Star Health Insurance provides both cashless and reimbursement claim options to make hospitalisation expenses easier to manage. Cashless claims are settled directly with network hospitals after pre-authorisation, while reimbursement claims require policyholders to pay first and then submit documents for repayment. Claim status can be tracked online, and timely submission of accurate documents helps speed up approval and settlement.
Once you have purchased a health insurance policy from Star Health Insurance, you need to understand how its claim process works. Star Health insurance claims that it solves 96% of its cashless claims within 3 hours. They provide a seamless and fast claims process. If you need any assistance with your Star Health Claim, you can always rely on Coverfox.
Different Types of Claims in Star Health Insurance
Star Health and Allied Insurance offers two types of health insurance claim options:
1. Cashless Claims
A cashless claim allows Star Health and Allied Insurance to directly settle eligible hospitalisation expenses with the hospital. This facility is available at authorised network hospitals associated with the company.
Star Health and Allied Insurance offers cashless treatment facilities across more than 14,000 network hospitals in India.
2. Reimbursement Claims
A reimbursement claim is applicable when treatment is taken at a non-network hospital or when cashless treatment is unavailable. In this process, the policyholder pays all hospital expenses directly and later submits the claim documents to Star Health and Allied Insurance for reimbursement.
After document verification and claim assessment, eligible expenses are reimbursed according to the policy terms and conditions.
Customers who buy their health insurance through Coverfox can also receive guidance regarding claim procedures and document submission requirements.
How to File a Cashless Claim With Star Health and Allied Insurance?
Step 1: Select a Network Hospital
Before hospital admission, check whether the hospital is included in the Star Health and Allied Insurance network hospital list. Cashless treatment is available only at approved network hospitals.
Step 2: Inform Star Health and Allied Insurance
For planned hospitalisation, Star Health and Allied Insurance should ideally be informed at least 48 hours before admission. For emergency hospitalisation, claim intimation should generally be done within 24 hours of admission.
Claim intimation can usually be done through:
Hospital insurance desk
Customer support helpline
Mobile application
Online customer portal
Step 3: Submit the Pre-Authorisation Form
At the hospital, the insured person needs to complete a pre-authorisation request form containing:
Policy details
Patient information
Diagnosis and treatment details
Hospital and doctor information
The hospital then forwards the form to Star Health and Allied Insurance for approval.
Step 4: Claim Review and Approval
Star Health and Allied Insurance reviews the submitted details and checks:
Policy coverage
Waiting periods
Exclusions
Sum insured availability
Treatment eligibility
Step 5: Final Settlement at Discharge
After treatment completion, Star Health and Allied Insurance directly settles eligible expenses with the hospital.
The policyholder may still need to pay:
Non-medical expenses
Consumable charges
Co-payment amounts
Deductibles
Expenses not covered under the policy
How to File a Reimbursement Claim With Star Health Insurance?
Step 1: Pay Hospital Expenses
The policyholder must settle all hospital and treatment-related expenses directly with the hospital at the time of discharge.
Step 2: Collect All Original Documents
After discharge, collect and safely keep all original treatment-related documents and payment receipts required for claim submission.
Step 3: Submit the Claim Request Through Coverfox Claim Support
Customers who purchased their Star Health and Allied Insurance policy through Coverfox can raise a reimbursement claim request directly through the Coverfox claim support page.
While submitting the request, policyholders need to provide:
Type of claim request
Details about the hospitalisation or treatment
Mobile number for claim assistance and follow-up communication
After the request is submitted, the Coverfox claims support team helps initiate the process and assists with further claim-related guidance.
For immediate assistance related to Health Insurance claims, policyholders can also contact the Coverfox Customer Support Unit on 022 4897 1018.
Step 4: Claim Verification and Reimbursement
Coverfox then forwards your claim request to Star Health and Allied Insurance. Then, Star Health will check:
Policy coverage
Treatment eligibility
Submitted medical documents
Waiting periods and exclusions
If the claim is approved, the eligible reimbursement amount is transferred to the registered bank account of the policyholder.
Documents Required to File a Star Health Insurance Claim
Submitting complete and accurate documents is important for faster claim processing and verification.
Common Documents Required
Duly filled claim form
Original hospital bills and receipts
Discharge summary
Doctor’s consultation papers
Medical prescriptions
Diagnostic test reports
Pharmacy bills
Health insurance policy copy
Valid identity proof
Cancelled cheque or bank account details
CKYC or KYC documents, if requested
Additional Documents for Accident-Related Claims
For accident-related hospitalisation claims, Star Health and Allied Insurance may also request:
FIR copy
Medico-legal certificate (MLC)
Accident report
Driving licence, if applicable
Employer certificate in specific cases
Additional documentation requirements may vary depending on the nature of the claim.
How to Track Your Star Health Insurance Claim Status?
Tracking claim status regularly helps policyholders stay informed about approvals, pending documents, and reimbursement progress.
Online Customer Portal
The Star Health and Allied Insurance customer portal allows users to:
Track claim status
Upload claim documents
View claim history
Monitor settlement updates
Mobile App Access
The mobile application can also be used to:
Check claim progress
Receive notifications
Access policy information
Upload supporting documents
SMS and Email Updates
Claim-related updates may also be shared through:
SMS alerts
Email communication
Customer support notifications
Customer Support Assistance
For claim-related assistance, policyholders can contact:
Star Health and Allied Insurance toll-free numbers: 1800 425 2255 / 1800 102 4477
Corporate customer support: 044 43664666
Email support: info@starhealth.in
Coverfox Health Insurance claim support: 022 4897 1018
Related Articles:
How to Claim Health Insurance Benefits From Multiple Insurers?
How Do I Convince My Customers to Buy Health Insurance?
Diseases covered by Star Health Insurance
Frequently Asked Questions
How long does Star Health Insurance take to settle a claim?
The claim settlement timeline depends on the type of claim, document verification process, and policy terms. According to Star Health and Allied Insurance, more than 96% of cashless final approvals are completed within 3 hours. Reimbursement claims may take longer depending on document verification and claim assessment.
Can I file a Star Health and Allied Insurance claim online?
Yes, policyholders can initiate claim requests online through the Star Health and Allied Insurance customer portal, mobile app, or through Coverfox Claim Support if the policy was purchased through Coverfox.
What should I do if my cashless claim gets rejected?
If a cashless claim is rejected, the policyholder may need to pay the hospital expenses directly and later file a reimbursement claim by submitting all original medical documents and bills. It is also important to check the exact reason for rejection, such as exclusions, waiting periods, incomplete documents, or non-covered treatments.
How can I check my Star Health Insurance claim status?
Claim status can usually be checked through: Star Health and Allied Insurance customer portal, Mobile application, SMS or email updates and Customer support helpline
What is the claim intimation time limit for Star Health Insurance?
For planned hospitalisation, claim intimation should ideally be done at least 48 hours before admission. In emergency hospitalisation cases, intimation should generally be provided within 24 hours of hospital admission.
What are the common reasons for Star Health Insurance claim rejection?
Some common reasons for claim rejection may include: Incomplete documentation, Non-disclosure of medical history, Treatment during the waiting period, Non-covered medical expenses, Policy exclusions, Expired policy and Delayed claim intimation
Can we claim OPD in Star Health Insurance?
OPD expenses are covered only if the selected Star Health and Allied Insurance policy specifically includes OPD benefits. Policyholders should check their policy wording and coverage details before making an OPD-related claim.
How do I submit a Star Health Insurance claim form?
Policyholders can submit claim-related requests through: Star Health and Allied Insurance branch offices, Customer portal or mobile application, Courier or postal service and Coverfox Claim Support for policies purchased through Coverfox
How to upload claim documents in Star Health Insurance online?
Claim documents can usually be uploaded through the Star Health and Allied Insurance customer portal or mobile app. Policyholders can also seek assistance from Coverfox for claim-related guidance and document submission support.
Are pre-existing diseases covered under Star Health Insurance claims?
Pre-existing diseases may be covered after completion of the waiting period mentioned in the policy document. Coverage depends on the selected plan, disclosed medical history, and policy terms and conditions.
Disclaimer: Claim settlement is subject to the terms, conditions, exclusions, waiting periods, and coverage mentioned in the policy document issued by Star Health and Allied Insurance. Final claim approval and settlement are solely based on policy terms and document verification.
