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  • Star Health Insurance - Compare plans, reviews & renew online

    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 23 Feb 2019

    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
      "EXCELLENT"
      0.5 5.0/5 "Blown Away!"
      I have taken the health insurance policy with the STAR HEALTH & ALLIED INSURANCE where i been using the policy since from last few years. The premium i have paid is 11K for this policy, the medical coverage is for 2L 50K for this policy where the coverage is for self.
      Was this review helpful? 2
      , new delhi
      Reviewed on Jan 30, 2019
    • Star Health Health Insurance
      "BETTER"
      0.5 4.0/5 "Great!"
      The reason for taking the STAR HEALTH & ALLIED INSURANCE health insurance policy is because friends suggested. The medical coverage is for 5K where it gives the coverage for 2 persons. It also includes the critical illness, disease coverage.
      Was this review helpful? 1
      , guntur
      Reviewed on Jan 22, 2019
    • Star Health Health Insurance
      "GOOD"
      0.5 5.0/5 "Blown Away!"
      STAR HEALTH & ALLIED INSURANCE is the health insurance policy which I had taken in the recent past and the documentation process is very good and easy to get the policy. I have not experienced with claim added on that the premium and the medical coverage is satisfactory.
      Was this review helpful? 0
      , tinsukia
      Reviewed on Jan 19, 2019
    • Star Health Health Insurance
      "GOOD"
      0.5 4.0/5 "Great!"
      There is no particular reason for taking the for taking the health insurance with this policy where the premium i have paid is 20k with this policy also the policy coverage is nominal with this policy. The listed hospital is very good with this policy.
      Was this review helpful? 0
      , tinsukia
      Reviewed on Jan 17, 2019
    • Star Health Health Insurance
      "EXCELLENT"
      0.5 4.5/5 "Excellent!"
      There is no particular reason for taking the STAR HEALTH & ALLIED INSURANCE policy with this policy. I had no claim experience with this policy and the premium i have paid is 5-7K approximately. The medical coverage is 5L for complete family.
      Was this review helpful? 1
      , ahmedabad
      Reviewed on Jan 17, 2019
    • Star Health Health Insurance
      "GOOD"
      0.5 4.0/5 "Great!"
      STAR HEALTH & ALLIED INSURANCE is the health insurance policy where i have been holding it from last 7 years but i have not experienced with any claim with this policy. The premium is very good along with that the medical coverage is for 5-7L.
      Was this review helpful? 1
      , coimbatore
      Reviewed on Jan 17, 2019
    • Star Health Health Insurance
      "VERY GOOD"
      0.5 5.0/5 "Blown Away!"
      STAR HEALTH & ALLIED INSURANCE is the best insurance when compared to the others so i have the health insurance with this policy. I had no claim experience with this policy added on that the premium and also the medical coverage is satisfactory.
      Was this review helpful? 1
      , chennai
      Reviewed on Jan 17, 2019
    • Star Health Health Insurance
      "EXCELLENT"
      0.5 5.0/5 "Blown Away!"
      I am holding the health insurance policy with the STAR HEALTH & ALLIED INSURANCE since from last 3-4 years as i have faced with no issues so far with this policy. I have no experienced with any claim with this policy. The medical coverage is for 5L and the premium is 24k.
      Was this review helpful? 0
      , navi mumbai
      Reviewed on Jan 16, 2019
    • Star Health Health Insurance
      "GOOD"
      0.5 5.0/5 "Blown Away!"
      I have taken the health insurance policy with the STAR HEALTH & ALLIED INSURANCE and i am using it since from last 2 years but i have not experienced with any claim with this policy. It gives the self medical coverage also it is 5L and the premium is 9K.
      Was this review helpful? 1
      , mysore
      Reviewed on Jan 16, 2019
    • Star Health Health Insurance
      "BETTER"
      0.5 4.0/5 "Great!"
      I have taken the health insurance policy with the STAR HEALTH & ALLIED INSURANCE where i am using it from last few months but i had no claim experience with tis policy. The premium i paid for this policy is satisfactory and also it is nominal when compared to the others.
      Was this review helpful? 1
      , guntur
      Reviewed on Jan 16, 2019
    • Star Health Health Insurance
      "BETTER"
      0.5 4.0/5 "Great!"
      STAR HEALTH & ALLIED INSURANCE is with best features comparatively so i have taken this policy. Premium i paid is 5K-3K, approx where i have been using from last few months. Medical coverage is 5L apart from that it covers the critical illness, accidental coverage.
      Was this review helpful? 1
      , guntur
      Reviewed on Jan 16, 2019
    • Star Health Health Insurance
      "GOOD"
      0.5 2.5/5 "Just OK"
      The reason for taking the health insurance policy with the STAR HEALTH & ALLIED INSURANCE is because they are offering with the lower premium when compared to the others. They are providing the medical coverage of 1L50K only for self added on that the listed hospital is good.
      Was this review helpful? 1
      , bhopal
      Reviewed on Jan 16, 2019
    • Star Health Health Insurance
      "GOOD"
      0.5 4.5/5 "Excellent!"
      I had a claim experience with the health insurance policy where i am holding it with the STAR HEALTH & ALLIED INSURANCE for eye operation for my father in the non-network hospital, it is reimbursement process the customer service is good but can claim after 3 years. The premium is satisfactory. Medical coverage is for 6L with this policy.
      Was this review helpful? 2
      , peddapalli
      Reviewed on Jan 14, 2019
    • Star Health Health Insurance
      "GOOD"
      0.5 4.0/5 "Great!"
      I am using the health insurance policy with STAR HEALTH & ALLIED INSURANCE since from last 4 years. I had no claim with this policy but the premium is higher with this insurance policy added on that the medical coverage is for family. The premium i paid is 13k and the coverage is for satisfactory.
      Was this review helpful? 1
      , jabalpur
      Reviewed on Jan 14, 2019
    • Star Health Health Insurance
      "GOOD"
      0.5 4.0/5 "Great!"
      I have purchased the STAR HEALTH & ALLIED INSURANCE insurance as the health insurance with this policy. The premium an the IDV value is satisfied with this policy. The medical coverage is for father and it is satisfied with this policy.
      Was this review helpful? 0
      , udumalaipettai
      Reviewed on Jan 12, 2019
    • Star Health Health Insurance
      "GOOD"
      0.5 5.0/5 "Blown Away!"
      My medical insurance was taken with Star Health, the medical coverage is for 6-7L approximately. I am using this insurance for the past 3yrs, corporate one.i have been using the health insurance policy with the STAR HEALTH & ALLIED INSURANCE also I would state that it is a corporate policy.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Jan 06, 2019
    • Star Health Health Insurance
      "AVERAGE"
      0.5 2.0/5 "Expected more"
      I have been using from past 6 months the health insurance policy with the STAR HEALTH & ALLIED INSURANCE. The premium i have paid is 12k for this policy which gives the coverage is for self. It is the accidental insurance policy they give the medical coverage is for 50L. Hospital list is very good.
      Was this review helpful? 0
      , chennai
      Reviewed on Jan 06, 2019
    • Star Health Health Insurance
      "BEST"
      0.5 5.0/5 "Blown Away!"
      I have used the health insurance policy with the STAR HEALTH & ALLIED INSURANCE where i have used this for two years but i have not experienced with any claim with this policy. The medical coverage is for 10L for self. It covers the critical illness.
      Was this review helpful? 0
      , nagercoil
      Reviewed on Jan 06, 2019
    • Star Health Health Insurance
      "GOOD"
      0.5 4.0/5 "Great!"
      There is no particular reason for taking the STAR HEALTH & ALLIED INSURANCE as a health insurance policy. The premium is nominal and the medical coverage is for 5L and the medical coverage is for complete family. I had no claim experience with this policy.
      Was this review helpful? 0
      , chennai
      Reviewed on Jan 04, 2019
    • Star Health Health Insurance
      "AVERAGE"
      0.5 3.0/5 "Satisfactory"
      I am not satisfied with the health insurance policy where i have purchased it from the STAR HEALTH & ALLIED INSURANCE because they have no major surgeries covcergae. i had a claim and applied for it, premium i have paid is 8k and the medical coverage is for 3L for the family.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 04, 2019
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    *The customer reviews/feedback/opinions expressed on this website are solely of their authors and do not reflect, in any way, the view of BankBazaar Insurance.