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    Star Health Insurance

    Car 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**

    Established in 2006, Star Health Insurance is a market leader in providing health insurance solutions. They offer a wide and extensive range of health insurance products.

     

    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
      "WORST"
      0.5 1.0/5 "Really Bad"
      My experience with the star is good. I have claim experience regarding the medical issues they rejected. Customer service i have contacted they said to go to one hospital i went and then also then did not approved. Medical coverage is not good and i have not got any claim. 100% cashless treatment but they rejected. Payment through on line that i will be doing for my insurance.
      Was this review helpful? 0
      , kolhapur
      Reviewed on May 24, 2018
    • Star Health Health Insurance
      "Easy Claim policy"
      0.5 4.0/5 "Great!"
      I took health insurance from Star health insurance . I have choose this insurance mainly because of convincing premium with too many benefits . This policy covers Cashless hospitalization. , pre diseases coverage . Overall am satisfied with customer care and service. It has income tax benefits . I had claim experience as their customer service response is good regarding claim .
      Was this review helpful? 0
      , thrissur
      Reviewed on May 23, 2018
    • Star Health Health Insurance
      "Better Policy"
      0.5 3.0/5 "Satisfactory"
      Star Health Insurance was not easy to contact the customer care service. As i said, i don't have any claim experience. Plan is okay. I have taken two policies. It is for family policy. I have paid around Rs. 17000.Star health insurance tie up with many hospitals which is very near to me. When comparison basis, Star health insurance is best.
      Was this review helpful? 0
      , chennai
      Reviewed on May 22, 2018
    • Star Health Health Insurance
      "Best Insurance Policy"
      0.5 5.0/5 "Blown Away!"
      They are providing very good health insurance. STAR health insurance is providing very good co-operation. Their all services is very good like cashless transaction, hospital list. I can claim upto Rs. 32 lakhs. My mom is taking diabetic treatment through this health insurance policy.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 22, 2018
    • Star Health Health Insurance
      "Best Policy so far in the market"
      0.5 3.0/5 "Satisfactory"
      I'm already a customer for star health insurance. I have been using this policy for 5 years. Star only dealing with health insurance not with other insurance. products. For my family I'm paying 10 K for insurance and Rs. 20000 for my parent's health insurance. Claim response is as per the follow up they will provide. Dispute resolution is very bad.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 22, 2018
    • Star Health Health Insurance
      "Overall Good"
      0.5 5.0/5 "Blown Away!"
      Good benefits are there in STAR health insurance. I have taken this policy in the month of December. Their customer care service is good. I can claim up to Rs. 5 Lakhs. I'm paying the premium of Rs. 6K every year. I took this STAR Health insurance policy for myself.
      Was this review helpful? 0
      , vijayawada
      Reviewed on May 22, 2018
    • Star Health Health Insurance
      "Good policy"
      0.5 4.0/5 "Great!"
      I got my health insurance from star health insurance . I have chosen this mainly because of its good benefits and policy coverage . And it has little bit high premium amount comparing to other ones . I paid the payment through online for one year . Overall am satisfied with customer service and response regarding to documentation and approval.
      Was this review helpful? 0
      , aligarh
      Reviewed on May 22, 2018
    • Star Health Health Insurance
      "Not satisfied "
      0.5 1.0/5 "Really Bad"
      I got my health insurance from Star health and allied insurance . I had bitter experience with star health Insurance . As one of my cousin faced problem regarding claim in emergency . So am not going to renew this in upcoming year and not going to recommend any one .
      Was this review helpful? 0
      , jaipur
      Reviewed on May 22, 2018
    • Star Health Health Insurance
      "Good policy"
      0.5 4.5/5 "Excellent!"
      I took health insurance from Star health insurance . I have choose this insurance mainly because of low premium amount with too many benefits . This policy covers Cashless hospitalisation. , pre dieases coverage . Overall am satisfied with customer care and service. I made the payment annually through online banking. I will also recommend this to my friend.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 22, 2018
    • Star Health Health Insurance
      "Good policy"
      0.5 4.0/5 "Great!"
      I took health insurance from Star health insurance . I have choose this insurance mainly because of convincing premium with too many benefits . This policy covers Cashless hospitalization and pre diseases coverage . Overall am satisfied with customer care and service. I have been using this policy for last 3 to 4 years .
      Was this review helpful? 0
      , new delhi
      Reviewed on May 22, 2018
    • Star Health Health Insurance
      "Good policy"
      0.5 5.0/5 "Blown Away!"
      I took health insurance from Star health insurance . I had choosen this insurance mainly because of convincing premium with too many benefits . This policy covers Cashless hospitalization. , pre diseases coverage . Overall am satisfied with customer care and service
      Was this review helpful? 0
      , bangalore
      Reviewed on May 22, 2018
    • Star Health Health Insurance
      "Good Service from Star Company "
      0.5 4.0/5 "Great!"
      Star health insurance is good when you compared to others. I have not yet claimed so, By the word of mouth i heard its good. Compared to other insurance guidelines it is the best. I can say more about it after i claimed the policy. I took this STAR HEALTH INSURANCE on month of December. I took this policy for my family.
      Was this review helpful? 0
      , salem
      Reviewed on May 19, 2018
    • Star Health Health Insurance
      "Good Health Insurance"
      0.5 3.0/5 "Satisfactory"
      I have taken this Star Health Insurance Policy in the month of December. I can claim upto 3 Lakhs. I don't have any claim experience so far. I paid around Rs. 11997 for my whole family insurance. They have cashless treatment facility is available.
      Was this review helpful? 0
      , pune
      Reviewed on May 18, 2018
    • Star Health Health Insurance
      "Best Policy"
      0.5 5.0/5 "Blown Away!"
      My friend recommenced me about this Star health insurance company to me. I don't have any claim experience so far. I can avail a cashless transaction upto 3 lakhs. I took this insurance policy for my family. I made the payment of Rs. 6500 for annually.
      Was this review helpful? 0
      , tirupur
      Reviewed on May 18, 2018
    • Star Health Health Insurance
      "Nothing Special in Star Health Insurance"
      0.5 5.0/5 "Blown Away!"
      I have been using this Star health insurance policy for 2 months. My friends recommended me to take this policy from Star health insurance. I have paid Rs. 14000 for annually for all the family members. All the disease will get covered after 3 years . They have tied with many hospitals. I can claim upto Rs. 4 lakhs.
      Was this review helpful? 0
      , coimbatore
      Reviewed on May 16, 2018
    • Star Health Health Insurance
      "GOOD"
      0.5 4.0/5 "Great!"
      I have been using this insurance since couple of months back. I am using this from the STAR HEALTH & ALLIED INSURANCE, i am satisfied with the customer service provided by them. I pay for my insurance through on line for yearly once. Documentation is easy and very simple to do.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 15, 2018
    • Star Health Health Insurance
      "Tax Benefit Policy"
      0.5 3.5/5 "Pretty good"
      I have paid around Rs. 15800 /per year for my total family. The policy will cover upto Rs. 5 lakhs. By next year it will cover upto Rs.7.50 lakhs. Their is no pre existing disease option available here. They have many hospital in Kerala and they have tie up with. I took this policy because of the tax benefits.
      Was this review helpful? 0
      , ernakulam
      Reviewed on May 15, 2018
    • Star Health Health Insurance
      "Good Policy for Health"
      0.5 5.0/5 "Blown Away!"
      I had retired recently. I have bought top up additional policy. Star Health is the 1st company approached me for health insurance. I used to pay Rs. 12 Lakhs covered policy. I am not aware of the hospital list in their insurance list. I have been using this policy for 6 months. It is precautionary policy i have taken. I have not experience the claim so far. It is covering most of the hospitals.
      Was this review helpful? 0
      , chennai
      Reviewed on May 15, 2018
    • Star Health Health Insurance
      "Customer Service has to Improve"
      0.5 1.0/5 "Really Bad"
      I have paid around Rs. 12000 /per year. They told me that there will be a free health check up for the insurance. I got the sum assured amount of Rs. 5 lakhs and Cashless treatment for Rs. 3 lakhs. I have been using this Star Health Insurance for 5 months. . They didn't tell me the proper for the details of the policy. I took this policy for my family.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 14, 2018
    • Star Health Health Insurance
      "Benefit for Sudden Disease"
      0.5 4.0/5 "Great!"
      I have not experience the claim. Customer care service is good. Star health insurance is the best. Cashless treatment is available for upto 5 lakhs. Tax benefits is available . No Pre-existence coverage not applicable till 5 years. Payment is Rs. 12000 annually. Total 7 lakhs applicable with the special top up plan. If i want, i can renew otherwise its upto my wish to continue the policy. It is family based insurance benefits.
      Was this review helpful? 0
      , thiruvannamalai
      Reviewed on May 14, 2018
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