Star Health Insurance is a prominent insurance provider specializing in health insurance solutions in India. Established in 2006, the company has garnered a reputation for its customer-centric approach and a comprehensive range of health insurance products. Headquartered in Chennai, Star Health Insurance has expanded its footprint across the country, offering policies that cater to diverse healthcare needs.
Star Health Insurance, founded in 2006, is a leading health insurance provider in India. Established by a consortium of individuals including ICICI Ventures, Sequoia Capital, and Oman Insurance Company, it aimed to address the growing healthcare needs of the Indian population. Since its inception, Star Health Insurance has become a key player in the insurance industry, renowned for its customer-centric approach and innovative products.
| List of Best Star Health Insurance Plans | Features | Eligibility |
|---|---|---|
| Star Family Health Optima Plan | Pre and Post Hospitalization – 60 days and 90 days | Age at entry is 18-65 years.
Beyond 65 years only renewals are allowed. |
| Star Health – Senior Citizen Red Carpet Policy | Pre-hospitalisation expenses for up to 30 days
Post-hospitalisation paid as lump-sum up to the limit specified |
Age at entry is 60 to 75 years |
| Star Health Super Surplus Insurance Policy | Pre and Post Hospitalization – 30 days and 60 days | Age at entry is 18 to 65 years
Age at entry for children is 91 days to 25 years |
| Star Comprehensive Insurance Policy | Pre and Post Hospitalization – 60 days and 90 days | Age at entry: 18-65 years, for children 3 months to 25 years
Comes in both individual and family floater basis |
| Star Medi-Classic Insurance Plan | Pre and Post Hospitalization – 30 days and 60 days | Age at entry can be between 5 months and 64 years |
| Star Health Gain Insurance Policy | Pre and Post Hospitalization – 30 days and 60 days | Age at entry is 91 days to 65 years |
| Star Criticare Plus | Pre-hospitalisation expenses for up to 30 days
Post-hospitalisation paid as lump-sum up to the limit specified |
Age at entry is 18 to 65 years |
| Star Diabetes Safe Insurance Policy | Covers Hospitalization expenses due to complications of diabetes
Provides Personal Accident Cover which compensates on Accidental Death |
Age of entry is 18 to 65 years |
| Star Family Delite Insurance Policy | Pre-hospitalisation expenses for up to 30 days
Post-hospitalisation paid as lump-sum up to the limit specified |
Age at entry is 5 months and 65 years. |
| Star Cardiac Care Policy | Pre-hospitalisation expenses for up to 30 days
Post-hospitalisation expenses incurred up to 7% of the hospitalization expenses |
Age of entry is 10 to 65 years. |
| Star Cancer Care Gold | Pre and Post Hospitalization – 30 days and 60 days | Age of entry is 5 months to 65 years |
| Star Care Micro Health Insurance | Pre and Post Hospitalization – 30 days and 60 days | Age at entry is 18 - 65 years, from Tier 1 and Tier 2 places in India |
| Star Special Care Policy | Comes with a policy tenure of 1 year and the sum assured is Rs.3,00,000/-
Post Hospitalization: A sum equivalent to 7% of hospitalisation expenses |
Child aged between 3 years and 25 years diagnosed with Autism Spectrum Disorder |
The Best Star Health Insurance Plans offer a range of features, including comprehensive coverage for hospitalization, pre and post-hospitalization expenses, and specific disease-related plans. They provide innovative products like family floater and senior citizen plans, along with a robust network of healthcare providers, ensuring access to quality medical services.
Cashless Facility: 14000+ Network Hospitals
In-house Claim Settlement: On all 365 days by Qualified Doctors
Digital Platform: Highly sophisticated website
Free medical consultation: Experts available over 24 x 7 Toll Free Helpline.
Store your Medical Records: Free storage of medical records in electronic form for future needs.
Star Health Insurance provides health insurance coverage to individuals or families on a floater basis with a sum insured of up to 2 crores. The company offers innovative and customer-centric policies. Claim settlements are hassle-free, with 65% (2022 - 2023) processed in less than 2 hours. They have a vast network of 14,000+ hospitals for cashless facilities. In-house claim settlement is conducted by qualified doctors on all 365 days. The digital platform includes a highly sophisticated website. Additionally, pre-insurance medical screening is not mandatory in most of their policies.
✅Hassle-free Settlements
✅No mandatory pre-insurance screening
✅Vast Network of Cashless Hospital facilities
✅Up to 2 Cr. Sum Insured
Pre-existing diseases will be covered only after 48 months of continuous insurance with any Indian Insurance Company. For pre-hospitalization expenses, medical expenses up to 30 days before the date of admission will be covered. Regarding post-hospitalization, expenses up to 60 days from the date of discharge from the hospital will be covered. However, the payable amount should not exceed 7% of the hospitalization expenses (excluding room charges) subject to a maximum of Rs. 5,000/-.
Expenses related to the treatment of any illness within 30 days from the first policy commencement date shall be excluded except claims arising due to an accident, provided the same are covered. You can learn more about the exclusions by reading the policy documents provided here on Coverfox.
Awarded as the Best Health Insurance Company 2017 by National Awards for Marketing Excellence, Star Health has come far as an 11 year old stand-alone health insurance company.
Looking for comprehensive health coverage in India? Consider Star Health Insurance Companies. With a strong network of healthcare providers and a customer-centric approach, they offer innovative products and quick claim settlements. Their commitment to promoting well-being makes them a trusted choice for quality health coverage tailored to your specific needs.
Star Health Insurance is considered amongst the most trusted health insurers.
Here are few reasons to choose Star Health Insurance Co. Ltd. as your health insurance provider:
No intervention of Third Party Administrator – In-house claims settlement team.
Cashless hospitalization – Choose from 9800+ hospitals across India
Free medical consultation – Experts available over 24 x 7 Toll Free Helpline.
Store your Medical Records – Free storage of medical records in electronic form for future needs.
Star India Health Insurance offers simple and convenient ways to make your premium payment online. Simply visit the official e-Portal of Star India Health Insurance at retail.starhealth.in/renewal and you will be required to policy number and registered date of birth. Post submission, you will be directed to your policy details where an option will be given to pay the premium online via debit/credit/net banking. This process is applicable for both - purchasing a new policy or Star Health Insurance Renewal.
On Coverfox, you can simply apply online to opt for any of the health insurance policies and buy online.
Start by choosing an appropriate health policy. Fill up the details of all the insured persons for whom you are planning to buy, and with the premium calculator, you will be able to see quotes instantly.
Check all the plan details, and see all the inclusions and exclusions of the plan. Once you decide to buy a particular plan, you can directly pay the premium online on the website to receive your policy directly in your inbox.
A few things to note before availing a health policy from Star Health Insurance Company:
The Star Comprehensive Insurance Policy can be purchased by individuals between the age of 18 years and 65 years, beyond the age of 65 you have a lifelong renewability option.
Value-added benefits are a major advantage of health insurance plans. These benefits provide additional services to policyholders and enhance their existing health insurance plans. Some of the services provided include:
There are many other value-added services provided to policyholders under Star health insurance plans. You can find a list of these benefits in the policy terms and conditions. It's important to read the fine print of your plan to take advantage of these services.
Also Read: List of Diseases that are Covered by Star Health Insurance
You can simply apply online to opt for any of the health insurance policy and buy online.
Visit Star Health Insurance's website, choose an appropriate health policy. Fill up the details of all the insured person for whom you are planning to buy, and with the premium calculator, you will be able to see quotes instantly. Check all the plan details, see all the inclusions and exclusion of the plan. Once you decide to buy a particular plan, you can directly pay the premium online on the website or visit the nearest office of Star Health Insurance along with the filled up form.
Critical factors before buying a health policy from Star Health Insurance Company:
Check for Waiting Period
Check for Room Rent
Check for Pre-existing diseases coverage
Check whether or not co-pay is applicable
Check for exclusions of a plan
Calculating the Star Health Insurance premium involves considering several factors such as age, sum insured, policy type, and any add-on covers. To estimate the premium:
Online Premium Calculator: Utilize the Coverfox online premium calculator. Enter details like age, sum insured, and any additional coverage required.
Provide Personal Information: Furnish accurate personal details including age, medical history, and any pre-existing conditions.
Select Policy Type: Choose the type of health insurance policy that aligns with your needs, whether individual, family, floater or specific disease-related coverage.
Add Riders/Optional Covers: Include any optional riders or additional covers to enhance your policy, if needed.
Review and Confirm: Review the calculated premium, coverage details, and any terms and conditions. Confirm the selected plan.
Tips to lower your health insurance premiums:
Maintain a Healthy Lifestyle: Insurers often reward healthy habits with lower premiums. Being a non-smoker, maintaining a healthy weight, and regular exercise can contribute to reduced insurance costs.
Buy Early: Purchasing health insurance at a younger age can lead to lower premiums as insurers consider younger individuals less prone to health risks.
Review Coverage Needs: Periodically assess your coverage needs, adjusting your policy accordingly. Eliminate unnecessary coverage to ensure you're not paying for services you don't need.
No-claim Bonus: Accumulating a no-claim bonus for each claim-free year can result in reduced premiums during policy renewals, providing a financial incentive for maintaining good health.
Compare Plans: Regularly compare health insurance plans from different providers right here on Coverfox to ensure you're getting the best value for your money.
Avail of Discounts: Take advantage of any available discounts, such as family discounts or discounts for purchasing a long-term insurance policy.
Customers can make payments for Star Health and Allied Insurance Company either online or offline. To make payments online, customers can visit the company's website and use their online payment options such as net banking, credit cards, or debit cards.
Customers can also make payments offline by visiting the nearest branch of the company and paying the premium amount through cheque or cash.
Star Health & Allied Insurance offers a service called Health Insurance Portability, which allows customers of other insurance companies to switch to a Star health insurance policy. This service allows policyholders to move to a Star health policy for better benefits while retaining any accumulated benefits. People can opt for a Star health insurance policy around 45 days before their current policy renewal date.
Network Hospitals are a group of healthcare providers that have an agreement with an insurance company to offer cashless treatments to policyholders. If a policyholder receives medical treatment at a Network Hospital, the insurance company will pay the bills directly to the hospital.
Mentioned below are the documents required to claim the Star Health Insurance Plan:
To renew your existing policy with Star Health, please follow these steps:
Login using your registered ID and password.
Enter your policy number and insured date of birth (DOB).
This process is also applicable to new premium payments.
In conclusion, Star Health Insurance stands as a beacon of trust and innovation in the realm of healthcare coverage. With a customer-centric approach, a diverse range of policies tailored to individual needs, and a robust network of healthcare providers, Star Health Insurance ensures comprehensive and hassle-free protection. The company's commitment to quick and efficient claim settlements, coupled with innovative products and a sophisticated digital platform, makes it a reliable choice for individuals and families seeking quality health coverage in India.
*Star Health and Allied Insurance Co Ltd has plethora of health plans to choose. It has health plans for every individual needs. Specific health plans for diabetic, heart, cancer and HIV+ patients are a good addition to their product portfolio. If you are looking for a health care plan Star Health plans are a good choice to consider as they are just focused in this category.*
The Heart Attack Health Insurance, which is usually a part of critical illness insurance, provides coverage for Myocardial Infarction. Also, you can apply for health insurance after angioplasty, i.e., after the process of restoring the blood flow through the artery.
To claim medical bills in Star Health Insurance, follow these steps: Inform the insurer about hospitalization promptly, submit the duly filled claim form with necessary documents, and cooperate with any additional information requests. For cashless claims, avail treatment at a network hospital; for reimbursement claims, submit bills and documents post-treatment for settlement.
Yes, Star Health Insurance provides Personal Accident Cover as part of its insurance offerings. Read the policy documents carefully to ensure that the cover is a part of your policy.
Star Health Insurance typically offers a grace period of 30 days for policy renewal. During this period, policyholders can renew their policies without a break in coverage.
Star Health Insurance provides coverage for a wide range of diseases and medical conditions. The specific diseases covered may vary based on the type of policy and its terms. Generally, policies include coverage for hospitalization, surgeries, and treatments related to illnesses such as cancer, heart ailments, respiratory disorders, and more. It is essential to review the policy documents and terms or consult with Star Health Insurance Online to get detailed information on the diseases covered under a specific plan.
To claim health checkups in Health Insurance Plans by Star Health, typically, specific policies include coverage for preventive health checkups. Submit the bills and necessary documents as per the policy terms for reimbursement after the checkup.
Get in touch with the support department of the insurance company to submit the request for policy cancellation. You will need to send a written request either offline or online with the details of your policy and the reason for the policy cancellation
Simply login to the official website of Star Health with your registered user ID and Password and you will be able to check all your policy related details.
No, Star Health Insurance doesn’t offer coverage for any expenses incurred on Lasik or Refractive Error Correction.
Yes, Star Health does offer a top up plan. Star Health’s ‘Super Surplus Insurance Policy’ is a top up policy that offers a high sum insured at a very reasonable premium.
Download the claim form available on the insurer’s website. All the guidelines are given in the form. There are two parts in the form. Part A to be filled by the policyholder and Part B by the hospital. In Part A of the claim form, one needs to fill up the personal details, insurance history, details of hospitalisation, details of claim, and bank account details.
Star Health Insurance covers a list of multiple diseases post a standard waiting period. This is also dependent upon the type of health insurance that you have selected as every policy has its own inclusions/exclusions.
Visit Star Health Insurance’s website, choose the health policy you want. Fill up the details of all the insured for whom you are planning to buy. With the premium calculator, you will be able to see quotes instantly. Check all the plan details - see all the inclusions and exclusion of the plan. Once you fix up the plan, you can directly pay the premium online on the website. You can pay the premium using net banking, debit card or credit card.
