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    Star Health Insurance

    Car Insurance
    • Premiums as low as Rs10/day for coverage of Rs.5 Lakhs
    • 10,000+ hospitals for cashless treatment
    • Get plans with no limit on room rent

    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
      "The best experience"
      0.5 4.0/5 "Great!"
      I had applied and got a Health insurance policy from private sector company STAR HEALTH & ALLIED INSURANCE. My annual premium amount is Rs. 8000/- which is very high by compared to other premiums. But most of all benefits are covered under policy. I did not have any claim experience so i cant able to comment on it. But i faced some issue that they wouldn't delivered my cashless card to my communication address on time.
      Was this review helpful? 0
      , puttaparthi
      Reviewed on Feb 23, 2018
    • Star Health Health Insurance
      "Average"
      0.5 3.0/5 "Satisfactory"
      I have taken a health insurance policy from Star health. My total premium is around Rs. 13,788 and sum assured to me is around Rs. 3,00,000. The policy is fine but the premium amount and the sum assured amount could have been better nevertheless I am satisfied with the policy.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 23, 2018
    • Star Health Health Insurance
      "better"
      0.5 3.0/5 "Satisfactory"
      I had applied and got a Health Insurance from STAR HEALTH & ALLIED INSURANCE. My health insurance type is Medi assist. I had a positive claim experience and i got nearly 85% of claim amount. They are providing cashless benefits option too. The customer service is not up to mark by comparing to other insurance companies.
      Was this review helpful? 0
      , chennai
      Reviewed on Feb 23, 2018
    • Star Health Health Insurance
      "better"
      0.5 4.0/5 "Great!"
      I had applied and got a Health insurance policy from a private sector company STAR HEALTH & ALLIED INSURANCE. My premium is Rs. 8000/- which i feel it is very affordable. They couriered my hard copy of my policy document in time. Even didn't have any claim experience so i cant able to comment on it. I can say it is a better health policy which covers all benefits.
      Was this review helpful? 0
      , indore
      Reviewed on Feb 22, 2018
    • Star Health Health Insurance
      "Good"
      0.5 4.5/5 "Excellent!"
      I have taken a health insurance policy from Star Health. The total premium is around Rs. 5,351 and sum assured to me is Rs. 3,00,000. I am satisfied with the medical coverage and with the policy. They have provided good customer service, and I would like to rate over all 4 out of 5 to this policy.
      Was this review helpful? 0
      , tiruchirapalli
      Reviewed on Feb 21, 2018
    • Star Health Health Insurance
      "an extraordinary experience"
      0.5 5.0/5 "Blown Away!"
      I had applied and got a Health insurance policy from STAR HEALTH & ALLIED INSURANCE through a on line partner. The premium is Rs. 10,767 which is very affordable while am comparing with other products. I did not have any claim experience so i cant able to comment on it.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Feb 20, 2018
    • Star Health Health Insurance
      "my commitment is not fulfilled"
      0.5 2.0/5 "Expected more"
      I had applied and got a Health insurance policy from a STAR HEALTH & ALLIED INSURANCE. But am totally dis satisfied by their customer services that they would not couriered my policy document. They didn't respond to my quires. I have a suggestion that they have to develop their customer support services.
      Was this review helpful? 0
      , pune
      Reviewed on Feb 20, 2018
    • Star Health Health Insurance
      "a nice experience"
      0.5 4.0/5 "Great!"
      I had applied and got the Health insurance from the Premium insurance company STAR HEALTH & ALLIED INSURANCE. The premium is affordable by comparing with other insurances. I didn't have any claim experience so i cant able to comment it. Over all the product is good and nice.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Feb 20, 2018
    • Star Health Health Insurance
      "Average"
      0.5 3.0/5 "Satisfactory"
      I have taken a health inusrance policy from Star Health. The policy is great, but I did not receive my hard copy till now. My total premium is around Rs. 4,448 and sum assured to me is Rs. 1,50,000. The policy is fine I am satisfied only hard copy is pending due to which I would it as 3 out 3.
      Was this review helpful? 0
      , guntur
      Reviewed on Feb 16, 2018
    • Star Health Health Insurance
      "Best policy"
      0.5 5.0/5 "Blown Away!"
      I have taken a Health Insurance policy from Star Health. My total premium is around Rs. 8,796 and sum assured to me is around Rs. 3,00,000. I have done a top up of around Rs. 2,600 for Rs. 7,00,000 as sum assured. So the total sum assured is Rs.10,00,000 and it's the best policy available.
      Was this review helpful? 0
      , jaipur
      Reviewed on Feb 15, 2018
    • Star Health Health Insurance
      "Very good"
      0.5 5.0/5 "Blown Away!"
      I have taken a health insurance policy from Star health. The processing was done on time I am happy with the policy as well rest I have to check at the time of claim how their services are. My total premium is around Rs. 14,800 after discount and sum assured to me is Rs. 3,00,000.
      Was this review helpful? 0
      , mumbai
      Reviewed on Feb 14, 2018
    • Star Health Health Insurance
      "Very good"
      0.5 5.0/5 "Blown Away!"
      I have a Health Insurance policy from Star Health. The policy good I did not face any kind of difficulty in paying the premium amount. The total premium is around Rs. 2,962 and sum assured to me is Rs. 1,50,000. I am happy with the service and the policy.
      Was this review helpful? 0
      , kolkata
      Reviewed on Feb 14, 2018
    • Star Health Health Insurance
      "Average"
      0.5 3.0/5 "Satisfactory"
      I have taken my Health insurance policy through the online portal, because the customer support team repeatedly made the follow up, which I appreciate but when I compare the same product with others they could have help me choose the cheaper and best product, I have no problem going for higher sum assured.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Feb 14, 2018
    • Star Health Health Insurance
      "Good"
      0.5 4.0/5 "Great!"
      I have purchased a Health insurance policy from Star Health 2 months back they did make a delay on processing for few days which I had to wait, however the policy is good based on the medical coverage. My total premium is around Rs. 2,962 and sum assured to me is around Rs. 1,50,000.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Feb 14, 2018
    • Star Health Health Insurance
      "good policy"
      0.5 5.0/5 "Blown Away!"
      I had applied and got the STAR HEALTH & ALLIED INSURANCE plan through a on line partner. I liked the plan benefits and their digital services. I can download the policy certificate on their website. They couturier Star Health insurance Health card to my registered communication address. I recommend their services to my friends and relatives.
      Was this review helpful? 0
      , nellore
      Reviewed on Feb 13, 2018
    • Star Health Health Insurance
      "Its Good"
      0.5 4.0/5 "Great!"
      I believe Star Health got tie up with good networks of hospital and they are providing cash less facility. I have taken Family Health Optima plan for three members for the sum assured for Rs. 5 lakhs. I have not received the medical card but I can get basic coverage. However the premium amount was higher.
      Was this review helpful? 0
      , udaipur
      Reviewed on Feb 05, 2018
    • Star Health Health Insurance
      "Good Plan"
      0.5 3.0/5 "Satisfactory"
      I was an earlier customer of Star Health , hence I have taken new policy from them. This time I took senior citizen- red carpet its has all the benefits like no claim bonus and cash less hospitalization. I made the premium around Rs. 5000 for the medical cover of Rs.1 lakh.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 05, 2018
    • Star Health Health Insurance
      "Good Protection"
      0.5 4.0/5 "Great!"
      My claim experience was good with Star Health, but they have taken long time to process cash less treatment in the last moment. Star Health covers everything OPD and IPD as well, its my corporate plan its covers my entire family. But it would be great if Star Health gets improve their network and customer service.
      Was this review helpful? 0
      , new delhi
      Reviewed on Feb 05, 2018
    • Star Health Health Insurance
      "Good"
      0.5 4.0/5 "Great!"
      I have a health insurance policy for my family from Star Health. I would like to say the policy is good based on the medical coverage they are providing. I did not face any difficulty with processing or with customer service. I would recommend others for this policy.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 02, 2018
    • Star Health Health Insurance
      "Good One"
      0.5 3.0/5 "Satisfactory"
      I compared few policies, I found Star Health is comparatively better in term of cash less hospitalization and wider network with best hospitals. The premium was lower around Rs. 3000 for the sum assured of Rs. 1.5 lakhs its a individual cover plan called Mediclassic. It has pre existing disease and no claim bonus features.
      Was this review helpful? 0
      , new delhi
      Reviewed on Feb 02, 2018
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