"Spending a whole day looking for insurance is fun," said nobody, EVER!
Loading your search...
Close

We need a little info to line up the best health insurance quotes for you!

  • Star Health Insurance

    Health Insurance
    • Premiums as low as Rs12/day for coverage of Rs.4 Lakhs*
    • 10,000+ hospitals for cashless treatment
    • Claim up to Rs. 55,000 deduction under section 80D**

    Star Health Insurance is one of the leading health insurance providers in the country. Formed in the year 2006, the insurance company caters to the varied needs of individuals, offering a range of products in health insurance. In addition to health insurance, it also offers policies for personal accident protection and Overseas Mediclaim.

    The insurer has a pan-India presence, with 430 plus branches located across the country. It has a network hospital base which includes over 8,000 hospitals, ensuring that policyholders can avail the facility of cashless hospitalisation at ease. The company has also been presented with numerous awards since its inception.

    Star Health Insurance HighlightsUpdated on 21 Oct 2018

    Factor Details
    Health insurance plans 14 unique health insurance plans
    E-services offered
    • Renew policy online
    • Intimate claim
    • Check claim status
    Branch offices More than 430 branches
    Incurred claims ratio (2016-17) 60.15%
    Cashless claims 87% of claims settled within 2 hours
    Network hospitals More than 8,400 hospitals
    Swasth Wellness Initiative
    • Health magazine
    • Articles and videos about health
    • Health tools
    Doctor visit All insured individuals who are hospitalised are visited by doctors partnered with the insurer

     

    Features & Benefits of Star Health Insurance

    • Direct claim settlement:

      Customers do not have to go through the hassle of contacting or dealing with any third-party administrator as all claims made will be settled directly through an in-house mechanism.

    • 24/7 customer support:

      The toll-free helpline is active round the clock and a well-equipped customer service team will help customers resolve queries, settle claims, make renewals or purchases. Any other insurance related query will be attended to in a speedy and efficient manner by the customer support team.

    • Free health magazine:

      One of the other perks include a complimentary health magazine that helps policyholders understand the basics of health. Tips and notes on how to maintain good health will also be provided.

    • Cashless network hospitals:

      Star Health Insurance has a wide network of more than 7,800 cashless network hospitals across the country where customers can get good quality health care services without any hassles.

    Plans provided by Star Health Insurance

    Plan Name Plan Basis(individual, family, etc.) Sum Insured (Min and Max)
    Family Health Optima Individual and family Min: Rs.1 lakh
    Senior Citizens Red Carpet Individual Up to Rs.7.5 lakh and Rs.10 lakh
    Star Comprehensive Policy Individual and family Rs.5 lakh to Rs.25 lakh
    Medi-Classic Insurance Individual and Family As per the policy document

    *Premiums may vary depending upon factors like age, location, term of the plan and prevailing taxes/GST.

    Family Health Optima

    The Family Health Optima plan offers an auto recharge benefit that allows the policyholder to increase the value of the sum insured. This is a family policy that offers good coverage.

    Unique Features Of Family Health Optima

    • This policy provides coverage for reproductive treatments, newborn baby
    • The policy also takes care of costs related to daycare treatments and domiciliary hospitalization treatment
    • Organ donor costs will be covered under the policy
    • Free health checks can be availed by customers after every claim free year
    • Ambulance charges including air ambulance

    Plan Details

    Entry Age 18 to 65 years
    Plan Basis Individual and Family
    Sum Insured Range Min: Rs.1 lakh
    Co-Payment 20%
    Waiting Period 30 days

    Senior Citizens Red Carpet

    This policy is specially formulated for the older generation and comes with a host of benefits customized to their needs.

    Unique Features of Senior Citizens Red Carpet

    • This health insurance policy provides coverage to pre-existing conditions after a waiting period
    • Hospitalization related expenses such as room charges, nursing, surgeon fee, medicine costs, etc, will be covered
    • Ambulance charges, pre and post hospitalization cover will be provided
    • Day care treatment will be provided under the policy

    Plan Details

    Entry Age Between 60 to 75 years
    Sum Insured Range Up to Rs.7.5 lakh and Rs.10 lakh
    Medical Screening Not required
    Discounts 5% discount on premium for online purchase

    Star Comprehensive Policy

    The Star Comprehensive Policy offers extensive coverage options. Some of the perks of this health plan include unlimited room rent and treatment cost coverage.

    Unique Features of Star Comprehensive Policy

    • Bariatric surgery and related complications covered under this plan
    • No upper limit on treatments costs and room rent
    • Maternity costs covered
    • Policyholders can avail free health check-up after the completion of 3 claim-free years
    • Other covers include transportation services, second opinion, dental, daily allowances, day care, and personal accident cover

    Plan Details

    Entry Age 3 months to 65 years
    Plan Basis Individual and Family
    Sum Insured Range Rs.5 lakh to Rs.25 lakh

    Medi-classic Insurance Policy

    This health insurance policy allows individual policyholders to avail a set of benefits.

    Unique Features of Medi-classic Insurance Policy

    • Tax benefit applicable
    • Free health check-up
    • Day care treatment, hospital allowances, patient care, hospitalization expenses such as medicines, room, boarding, nursing, doctor and surgeon fee
    • Pre and post hospitalization cover, ambulance fee
    • Non-allopathic treatment, pre-existing disease cover,

    Plan Details

    Policy Term 1 and 2 years
    Entry Age 5 months to 65 years
    Plan Basis Individual and Family
    No Claim Bonus From 5% to 25%
    Discounts 5% bonus

    Checklist before Buying Star Health Insurance

    • Compare various plan option
    • Choose a sum insured range that suits family and personal needs
    • Customize plan according to health needs

    Documents Required for Purchasing Star Health Insurance

    • ID proof
    • Address proof
    • Medical certificates, if any

    Reasons to choose Star Health Insurance

    Customizable plans
    Online purchase
    Hassle-free claim settlement

    Incurred Claim Ratio of Star Health Insurance

    Incurred claim ratio basically refers to percentage of claims that are successfully solved by the insurance company in a given financial year.

    Year Incurred Claim Ratio
    2016-17 60.51%

    Extra Benefits from Star Health Insurance

    Wellness portal and health zone The portal on wellness provides customers interesting insights on health
    Grievance redressal A designated forum allows users to lodge complaints if any

    Star Health Insurance Renewal

    Star Health insurance policies are easy to renew online and can be done in a matter of minutes. Let's explore how:

    • Log on to the Star Health Insurance website
    • Choose the ‘renew online’ option and fill in policy details
    • Make the payment
    • A confirmation will be sent to your registered mobile number and email ID.

    Star Health Insurance Network Hospitals for Cashless Treatment

    With a pan India network of cashless claim hospitals, customers can avail direct treatment without the involvement of any third-party representatives. This allows policyholders to make direct claims and enjoy the benefit of good quality health care services.

    Claim Procedure in Star Health Insurance

    When making claims, it is very important to understand the steps involved and keep all the documents in place in order to help the insurance company process the claims without any roadblocks. Some of the documents required include:

    • Health card
    • Claim form
    • Medical reports
    • FIR in case of an accident
    • Discharge summary

    Terms and Conditions of the Insurer

    • If the insured party has provided any untrue information about him or herself, the insurance company can cancel the policy in question at any point of time without the need to give any due explanation or compensation. Also, suitable action may be taken and this is at the discretion of the insurance company
    • If any of the necessary details are not filled in the claim form, the application will be considered null and void
    • If claims are not made within 30 days of hospitalization, they will not be processed

    Star Health Insurance Reviews

    • Star Health Health Insurance
      "Recommendable policy "
      0.5 5.0/5 "Blown Away!"
      The customer care service of Star is really good. I don't have to pay any money from my pocket since its having a cashless treatment facility. Since the feedback is good about star hence i have chosen this company. I took this policy only for me and i made a premium amount of Rs. 6500 for that i have got coverage amount of Rs. 5 lakhs. I bought this policy in January Month.
      Was this review helpful? 0
      , thane
      Reviewed on Oct 17, 2018
    • Star Health Health Insurance
      "Best medical cover"
      0.5 5.0/5 "Blown Away!"
      Star Health has 24 hours service, the customer service is reachable all the time. Cash less hospitalization is also good in reputed hospitals at Goa, The Process is good, the documentation also well and I got my medical card on time for the coverage of Rs. 10 lakhs.
      Was this review helpful? 0
      , vasco
      Reviewed on Oct 15, 2018
    • Star Health Health Insurance
      "Good Policy"
      0.5 3.0/5 "Satisfactory"
      They are not offering a customer care service for 24*7. They are providing a customer care upto 6pm this is the biggest advantage. They have to provide a toll free number for 24 hours to the customer. I took this policy less than a year back. I made the premium amount of Rs. 10 K for that they offering a coverage upto Rs. 2 lakhs. I took this policy only for myself.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Oct 15, 2018
    • Star Health Health Insurance
      "Familar in the market"
      0.5 3.5/5 "Pretty good"
      I am a doctor, I thought to have one medical policy. Hence I taken Star Health policy, its much familiar in the market and also they give cash less hospital. On 2013 I used my health policy for my kid, Star Health gave 80% of coverage after bill settlement. I have taken optima plan, initially the medical cover was Rs. 5 lakhs, now it upgraded to 10 lakhs.
      Was this review helpful? 0
      , chennai
      Reviewed on Oct 11, 2018
    • Star Health Health Insurance
      "Good Policy"
      0.5 5.0/5 "Blown Away!"
      I have taken the the health insurance policy from Star. I had no claim experience. I have got a coverage amount of Rs. 5 lakhs. I have downloaded the star company app it used to remind me for the payment. I have purchased this health insurance policy 9 years before.
      Was this review helpful? 0
      , navi mumbai
      Reviewed on Oct 10, 2018
    • Star Health Health Insurance
      "Need to improve on service"
      0.5 4.0/5 "Great!"
      In Pondicherry Star Health insurance company got tie up with many reputed hospital like AG padmavathy, East coast hospital etc to provide cash less hospitalization. I have medical coverage of Rs. 3 lakhs for my entire family of 3 member, On yearly basis they provide Rs. 30,000 for no claim bonus. I am happy about the policy but it would be great if they improve post process of service.
      Was this review helpful? 0
      , pondicherry
      Reviewed on Oct 09, 2018
    • Star Health Health Insurance
      "Its Good"
      0.5 4.0/5 "Great!"
      I took star health for my wife, they gave me medical cover like Rs. 4 lakhs for the tenure of one year. Within a month, we are planning to use the medical cover because of the health issue. Any way they are providing cash less hospital in reputed hospital, hence we would like to proceed.
      Was this review helpful? 0
      , bangalore
      Reviewed on Oct 08, 2018
    • Star Health Health Insurance
      "Its Average"
      0.5 4.0/5 "Great!"
      I met with minor accident on my leg, I have claimed the medical cover by they didn't give the cash less hospitalization because the hospital was not got tie up with Star Health. I got treatment in Red cross hospital at Bhopal. They didn't paid for actual bill they reduced 20% of amount.
      Was this review helpful? 0
      , bhopal
      Reviewed on Oct 04, 2018
    • Star Health Health Insurance
      "Good policy "
      0.5 4.0/5 "Great!"
      Till now i don't have any claim experience with Star however they are providing the cashless treatment facility. The premium amount is bit lower compared to other providers hence i have chosen the star company. Since 4 years, i have been renewing the policy with the same company. I have got a coverage amount upto Rs. 50 lakhs. I took this policy for me as well as for family also.
      Was this review helpful? 0
      , bangalore
      Reviewed on Oct 03, 2018
    • Star Health Health Insurance
      "Very Good policy"
      0.5 4.0/5 "Great!"
      My health was insurance with Star insurance company. Just 1 year before, i have purchased this health insurance policy. I had no claim experience with Star. I have taken this policy for my family members. They are providing the cashless hospitalization facility.
      Was this review helpful? 0
      , bangalore
      Reviewed on Oct 02, 2018
    • Star Health Health Insurance
      "Need to improve the customer care"
      0.5 3.0/5 "Satisfactory"
      The premium is very high in Star health insurance. I have spoke with the customer care to reduce the premium amount and the response was good and they have not given a call back what they have promised. Its too much of time to connect with their customer care people. I took this policy for my family and me. Its because of the easy claim process i have chosen star company.
      Was this review helpful? 0
      , new delhi
      Reviewed on Oct 01, 2018
    • Star Health Health Insurance
      "BETTER"
      0.5 5.0/5 "Blown Away!"
      There is no particular reason for purchasing the health insurance policy with STAR HEALTH & ALLIED INSURANCE premium i paid 12200k and they have offered with the 5lakhs of medical coverage for my family. I have not experienced any claim with this policy.
      Was this review helpful? 0
      , gangtok
      Reviewed on Sep 28, 2018
    • Star Health Health Insurance
      "Average policy"
      0.5 3.0/5 "Satisfactory"
      Till my problem was not sorted out. I have made a payment twice with star health insurance but still its not refunded to my account hence my query was not resolved. I have taken this policy for my wife. I have applied for the claim for my mother and they have provided only 50% of the claim. I made a cashless facility. Since its a holiday, i made a payment from my hand. They have rejected 50% of claim by saying many things are not covered.
      Was this review helpful? 0
      , chennai
      Reviewed on Sep 28, 2018
    • Star Health Health Insurance
      "Very Good company"
      0.5 3.0/5 "Satisfactory"
      So far i have not made any claim and i just purchased this health insurance policy. I haven't' interacted with the customer care since i don't face any problem. I just renewing the policy for past 2 years. When i taken the policy they have said 100% cashless facility actually they have provided only 70% and i have to 30% from my end.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Sep 28, 2018
    • Star Health Health Insurance
      "Good policy so far"
      0.5 3.0/5 "Satisfactory"
      8 months ago, i have purchased this policy. The star is best for the senior citizen hence i took my policy from Star. I have made a premium amount of Rs. 4800 and i have taken this policy for my father. Few days ago i have submitted the documents for the re-imbursement and the process is quite hectic. When my father was admitted in the hospital that particular hospital is not avail the cashless treatment facility.
      Was this review helpful? 0
      , vadodara
      Reviewed on Sep 28, 2018
    • Star Health Health Insurance
      "Best policy"
      0.5 5.0/5 "Blown Away!"
      I have my health insured with Star health from last 7 months before, i am happy with the coverage value of this insurance policy. I pay the premium amount of Rs. 5000. This policy was taken only for me. The documentation process done through online. They are offering a cashless treatment facility and they have very good network of hospitals.
      Was this review helpful? 0
      , chennai
      Reviewed on Sep 28, 2018
    • Star Health Health Insurance
      "Surprise claim ratio"
      0.5 5.0/5 "Blown Away!"
      I went to the portal and identify the policy which suits me as per my requirements. This policy has a 200% claim ration hence i have selected Star for my health insurance policy. I took three policies from Star for my family members. Totally i have paid around 30+ K. This is the policy which provides the cashless facility. I can use the coverage amount upto Rs. 3 lakhs. I did not utilize any service so far.
      Was this review helpful? 0
      , ranchi
      Reviewed on Sep 28, 2018
    • Star Health Health Insurance
      "BEST POLICY"
      0.5 5.0/5 "Blown Away!"
      There is no particular reason for purchasing the health insurance policy with STAR HEALTH & ALLIED INSURANCE and i have no claim experience with this policy. Premium i paid approximately 5k where they have provided the medical coverage is for 3lakhs approximately for my family.
      Was this review helpful? 0
      , vijayawada
      Reviewed on Sep 28, 2018
    • Star Health Health Insurance
      "EXCELLENT"
      0.5 5.0/5 "Blown Away!"
      The reason for purchasing the health insurance policy with STAR HEALTH & ALLIED INSURANCE is because of conviction and lower premium when compared to the others. Premium i paid 18k and above but i am not aware of the medical coverage and it is satisfactory.
      Was this review helpful? 0
      , pune
      Reviewed on Sep 28, 2018
    • Star Health Health Insurance
      "Excellent policy"
      0.5 5.0/5 "Blown Away!"
      Right now i didn't go any treatment. I have taken the policy before 7 months like in the month of February. Because they have lots of network hospital hence i chosen this company. I made a premium amount of Rs. 11000 approximately. For my family i have chosen this policy. They have not mentioned my pre-existing details in the policy
      Was this review helpful? 0
      , chennai
      Reviewed on Sep 28, 2018
    Common Loader Icon