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  • 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 17 Aug 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
      "Good policy"
      0.5 4.0/5 "Great!"
      My company provided me a health insurance with Star. I have not utilized the benefits of the policy. I can avail the benefits upto 5 lakhs. Almost all the hospitals are listed in star health insurance. They have provided me a policy for my family also. I never called the customer care since it is not required.
      Was this review helpful? 0
      , kanpur
      Reviewed on Aug 16, 2018
    • Star Health Health Insurance
      "Good health insurance policy"
      0.5 5.0/5 "Blown Away!"
      They have offered me a very good claim. I'm very much satisfied with the claim experience. I have not called the customer care service. Its very easy to claim the policy. They are giving as much as claim to the customer. My company has provided this health insurance policy to me.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Aug 11, 2018
    • Star Health Health Insurance
      "Worthpay policy"
      0.5 4.0/5 "Great!"
      I have purchased this policy during last December. I have paid a premium amount of Rs. 4000. I have taken this policy for my parents. They are providing a cashless treatment. I'm getting a the maximum claim amount of Rs. 1.5 lakhs. I have not gone through any kind of claim experience so far.
      Was this review helpful? 0
      , tenali
      Reviewed on Aug 10, 2018
    • Star Health Health Insurance
      "EXCELLENT"
      0.5 5.0/5 "Blown Away!"
      I had a claim and it is cashless done, it was for my mother. The amount that i claimed is that 36k of billing and i got only 50% cashless. This is for my family the health insurance that i am using it since last 6 years. The premium is lower side and Hospital and medical coverage is for the disease and illness covers last year and it covers 5 diseases.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Aug 09, 2018
    • Star Health Health Insurance
      "Average policy"
      0.5 3.0/5 "Satisfactory"
      The claim process was very slow in the star health insurance. I have paid the premium amount of Rs. 7800. I have taken this policy for my family members too. I have not claimed anything by using this policy. I can claim upto Rs. 3 lakhs. The hospital list was good. They are providing the cashless treatment also.
      Was this review helpful? 0
      , bangalore
      Reviewed on Aug 06, 2018
    • Star Health Health Insurance
      "VALUE FOR MONEY"
      0.5 4.0/5 "Great!"
      It is a better option when compared to the all of the insurances but not all the insurances gives beyond 65 years the policy. Documentation done through the on line with on time. I had no claim and it covers the dependent parent. The premium is lower side.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Aug 06, 2018
    • Star Health Health Insurance
      "BETTER"
      0.5 4.0/5 "Great!"
      Using since 10 years and the documentation done online. I had a claim for once and it is a cashless and i am not satisfied with the insurance. I claimed for 1lakh and on another side the premium is for the higher. I am getting the more benefits including the health checkup is applicable from next year.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Aug 03, 2018
    • Star Health Health Insurance
      "Many things has to improve"
      0.5 4.0/5 "Great!"
      Cashless treatment is available and the hospital was not having that facility. I have just re-reimbursement the policy after the cash payment. There is a dispute in the claim. I have done a payment, in that bill they have not considered. They said this is the best compensation they can given. I have taken this policy for my family also. I have paid the premium amount of Rs. 20K. I can use the claim amount of Rs. 5 lakhs.
      Was this review helpful? 0
      , bangalore
      Reviewed on Aug 02, 2018
    • Star Health Health Insurance
      "I recommended this policy to my friend"
      0.5 4.0/5 "Great!"
      I have taken this policy last December 2017. It was around 12000 as premium, i have paid for this policy. I have taken the policy for my family. I can claim upto Rs. 3 lakhs by using this policy. Cashless treatment is available. I had a claim experience, i just showed my id card in the hospital and they have admitted after verification of 1 hour.
      Was this review helpful? 0
      , new delhi
      Reviewed on Aug 02, 2018
    • Star Health Health Insurance
      "GOOD"
      0.5 4.0/5 "Great!"
      From the STAR HEALTH & ALLIED INSURANCE i am holding my health insurance from the last 1 year. I have no claim experience because i can able to avail it after the 4 years there is no free health checkup and also no disease coverage and a;so the illness covers.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Jul 31, 2018
    • Star Health Health Insurance
      "GOOD"
      0.5 4.0/5 "Great!"
      The reason for taking the insurance from the STAR HEALTH & ALLIED INSURANCE is that i am getting a good hospital facility and also added on that premium is good and also i am getting add on facilities. The coverage is for the disease and other illness too.
      Was this review helpful? 0
      , noida
      Reviewed on Jul 24, 2018
    • Star Health Health Insurance
      "BETTER"
      0.5 5.0/5 "Blown Away!"
      I am using my health insurance from the STAR HEALTH & ALLIED INSURANCE since last 3 years i had a claiming experience of 3 time with the health insurance. I have not got the full cashless treatment. The service is good. Coverage is for diseases and also for the illness.
      Was this review helpful? 1
      , pune
      Reviewed on Jul 13, 2018
    • Star Health Health Insurance
      "GOOD"
      0.5 4.0/5 "Great!"
      STAR HEALTH & ALLIED INSURANCE that i am using for my health insurance. I had a good experience i had a claiming also for twice and the reason is for the operation and i feel the claiming amount should be little bit higher. Apart from that i am using it since 5 years.
      Was this review helpful? 0
      ,
      Reviewed on Jul 09, 2018
    • Star Health Health Insurance
      "Satisfactory"
      0.5 4.0/5 "Great!"
      My health insurance is with Star health and the process is good. I received the policy documents and medical cards were provided. The medical coverage is also good. The premium is normal and there are good benefits in the policy. Satisfactory overall.
      Was this review helpful? 0
      , visakhapatnam
      Reviewed on Jun 29, 2018
    • Star Health Health Insurance
      "Claim process is good"
      0.5 4.0/5 "Great!"
      My health insurance is with Star health. It is a family floater and I am happy with the services. I had a claim experience and the process was easy. I faced no difficulties. There was a cashless hospitalization facility and the medical coverage is good too.
      Was this review helpful? 0
      , chennai
      Reviewed on Jun 25, 2018
    • Star Health Health Insurance
      "Satisfactory"
      0.5 4.5/5 "Excellent!"
      The customer services are good at Star health. The process was good to buy the health insurance policy. I go the policy document on time and I can do it online. It is a family floater. There was a no claim bonus feature and also there is a cashless facility. The premium is normal and the coverage is for three lakhs.
      Was this review helpful? 0
      , palwal
      Reviewed on Jun 23, 2018
    • Star Health Health Insurance
      "Good overall"
      0.5 4.0/5 "Great!"
      My health insurance is with Star health. The customer services are good. I had no hassles to buy the policy. It is a family floater. The medical coverage is also good. The premium is economical. There are features like the cashless hospitalization and there are a good net work of hospitals.
      Was this review helpful? 0
      , sangamner
      Reviewed on Jun 23, 2018
    • Star Health Health Insurance
      "Nice experience"
      0.5 4.0/5 "Great!"
      I have taken a health insurance policy from Star health. This policy is for my family and I. The premium is of 7K which is paid on a yearly basis. The medical coverage is of four lakhs. The customer services are good and though I have not faced any claim. The process is good overall.
      Was this review helpful? 0
      , chennai
      Reviewed on Jun 16, 2018
    • Star Health Health Insurance
      "Average"
      0.5 3.0/5 "Satisfactory"
      The process to take this health insurance from Star health is overall good. The services was on time and I have got the medical coverage for 1.50 Lakh. The premium is of 2,961 on a yearly basis. I have taken a Mediclassic - Individual plan. The only drawback is they have not yet sent me the insurance card physically which is very much mandatory for any hospital requirement. I have received the soft copy alone.
      Was this review helpful? 0
      , kanchipuram
      Reviewed on Jun 13, 2018
    • Star Health Health Insurance
      "GOOD"
      0.5 3.0/5 "Satisfactory"
      I have used for 4 years. Premium is high so discontinued with this insurance. Premium yearly once i do through the on line. Disease coverage is there. Medical coverage is for 2lakhs and for my entire family it covers. I can avail en-number of times. I had no claiming so far.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 12, 2018
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