Star Health Insurance

Star Health Insurance provides a plethora of health insurance plans that take care of all your health- related needs.

India's first standalone health insurance company

Established in 2006, Star Health and Allied Insurance Company Limited specializes in providing Health Insurance, Overseas Mediclaim Policy and Personal Accident. With more than 440 plus branches across the globe, this insurer has more than 8800 plus hospitals offering cashless payment facility.

Interesting Facts of Star Health Insurance

It has more than 340+ branches around the world.
Direct claim settlement without intervention of TPA.
It has been rated best claim settlement insurer by Hindustan MaRs Survey.
Huge network hospitals of more than 8200+ offering cashless facility.
The incurred claim settlement ratio of Star Health Insurance for F.Y. 2017 - 18 is 60.51%.

Plans Offered By Star Health Insurance

Star Health and Allied Insurance Co specialises in health insurance category and has a good variety of plans for its customers. The main focus of the company is to keep the plans affordable so it can be within the reach of the common man.

Star Family Health Optima Insurance Plan

As the name suggests, the plan is meant for the whole family. It is a single policy offering wider coverage at an affordable premium. Any person between the age of 18 and 65 can take this plan and it offers lifelong renewals beyond the age of 65. For every claim-free year it offers free health check-up benefit. It has auto recharge facility with no extra cost. A new born baby is covered from the 16th day under this policy. The policy offers cover for all day care procedures.

This is a single policy which comes with a wider coverage for your entire family at an affordable premium.

Features

You get 3X automatic restoration of Sum insured by 100% each time upon complete exhaustion.
Option of second medical opinion.
Air Ambulance Benefit: 10% of the Sum Insured for the entire policy tenure.
Covers pre-hospitalisation expenses for up to 60 days and post-hospitalisation for up to 90 days.
Provides newborn baby cover post 16th day after birth and subject to a limit of 10% of the Sum Insured or Rupees Fifty Thousand, whichever is less.
Offers Lump-sum for Treatment in Preferred Network Hospital.
Entitled to a claim free year bonus of 25% of the expiring basic sum insured in the second year and additional 10% for subsequent years (max.100%)

Eligibility

Age at entry is 18-65 years.
Beyond 65 years only renewals are allowed.

Star Senior Citizens Red Carpet Health Insurance Policy

This policy is specially meant for senior citizens between the ages of 60 to 75. It does not require any pre-insurance medical test. The policy covers pre-existing disease from the second year onwards. The plan has high sum insured of up to 10 lakhs and has guaranteed life time renewals. If the policy is bought online then a 5% discount can be availed on premium payable.

A health plan designed especially for senior citizens and comes with an option to select Sum Assured of Rs. 10,00,000/-, Rs.15,00,000/-, Rs.20,00,000/- or Rs.25,00,000/- on floater basis.

Features

The policy is available for 1 / 2 / 3 year.
Covers patient hospitalisation expenses for a minimum of 24 hrs.
Covers pre-hospitalisation expenses for up to 30 days and post-hospitalisation paid as lump-sum up to the limit specified.
Covers all day care procedures and pre-existing diseases from the second year.
There is no pre-insurance medical check required.

Eligibility

Age at entry is 60 to 75 years.

Star Super Surplus

It is a top policy offering high sum insured at affordable premium. The policy can be taken on individual or family floater basis and eligibility age is between the ages of 18 to 65 years. Pre-existing diseases are covered after a waiting period of 36 months. The policy has two plan options- silver and gold.

This is a top-up policy which provides a higher sum assured at affordable premiums. This plan comes in two variants - Silver and Gold.

Sum Insured on Individual Basis for Silver Plan

In-Patient Hospitalization Expenses: Room, Boarding and Nursing expenses subject to a maximum of Rs.4,000/- per day.
Surgeon’s fees, Consultant’s fees, Anesthetist and Specialist’s fees.
Anesthesia, Blood, Oxygen, and Operation Theatre charges, Cost of Pacemakers.
Pre and Post Hospitalization – 30 days and 60 days.
Pre-Existing Diseases / Illness: Covered after 36 months of continuous Insurance without break with any Non-Life Indian Insurance Company.
Deductible applied for each and every claim.

Sum Insured on Floater Basis for Silver Plan

In-Patient Hospitalization Expenses: Room, Boarding and Nursing expenses subject to a maximum of Rs.4,000/- per day.
Surgeon’s fees, Consultant’s fees, Anesthetist and Specialist’s fees.
Anesthesia, Blood, Oxygen, and Operation Theatre charges, Cost of Pacemakers.
Pre and Post Hospitalization – 30 days and 60 days
Pre-Existing Diseases / Illness: Covered after 36 months of continuous Insurance without break with any Non-Life Indian Insurance Company.
Waiting period for Specific diseases – 24 months
Deductible applied for each and every claim

Sum Insured on Individual Basis for Gold Plan

In-Patient Hospitalization Expenses: Room (Single Standard A/C Room), Boarding and Nursing expenses.
Surgeon’s fees, Consultant’s fees, Anesthetist and Specialist’s fees.
Anesthesia, Blood, Oxygen, and Operation Theatre charges, Cost of Pacemakers.
Pre and Post Hospitalization – 30 days and 60 days
Pre-Existing Diseases / Illness: Covered after 36 months of continuous Insurance without break with any Non-Life Indian Insurance Company
When the aggregate of the previous hospitalization during that policy period exceeds a specified limit, the liability of the Company begins. In other words, the deductible is not applied for each and every hospitalization
The insured has the option to migrate to any other indemnity based health insurance policy of the Company after the completion of 5 years of continuous renewal of this policy without break or after completion of 60 years of age whichever is later and in such an event the defined limit would become zero. If the insured chooses to continue in this policy, the defined limit would continue to apply.
Emergency ambulance charges for transporting the insured patient to the hospital up to Rs.1,500/- per policy period
Air Ambulance cover: Up to 10% of the sum insured per policy period for Sum Insured of Rs.7 lacs and above.
Facility of obtaining Medical Second opinion
Copay of 10% of each and every where the age at entry is above 60 years

Sum Insured on Floater Basis for Gold Plan

In-Patient Hospitalization Expenses : Room (Single Standard A/C Room), Boarding and Nursing expenses
Surgeon’s fees, Consultant’s fees, Anesthetist and Specialist’s fees.
Anesthesia, Blood, Oxygen, and Operation Theatre charges, Surgical Appliances, Medicines and Drugs, Diagnostic Materials, X-ray and Cost of Pacemakers.
Pre and Post Hospitalization – 60 days and 90 days.
Pre Existing Diseases as defined in the policy until 12 consecutive months of continuous coverage have elapsed; since inception of the first policy with any Indian Insurer.
Waiting period for Specific diseases – 12 months
The Proposer can opt at the beginning of 6th year before renewal of this policy or later during any successive renewal , for an Indemnity Health Insurance policy without defined limit offered by the Company with continuity of benefits for the average sum insured of immediately preceding 5 years period subject to the following :-
All the Insured Persons are insured with the Company under this policy before the age of 50 years and have been continuously renewed without any break
No claim has been made during the immediately preceding 5 years.
The proposer should exercise this option for all the insured persons.
This policy shall not be further renewed if the option is exercised
Delivery Expenses: Expenses for a Delivery including Delivery by Caesarean section (including prenatal, post-natal expenses and lawful medical termination of pregnancy) up-to Rs.50,000/- per policy period, subject to a maximum of 2 deliveries in the entire lifetime of the insured person are payable while the policy is in force.
Organ Donor Expenses for organ transplantation where the insured person is the recipient are payable provided the claim for transplantation is payable and subject to the availability of the sum insured. Donor screening expenses and post-donation complications of the donor are not payable.
Recharge Benefit : If the sum insured under the policy is exhausted/ exceeded during the policy period, additional indemnity up to the limits
Emergency ambulance charges for transporting the insured patient to the hospital up to Rs.3,000/- per hospitalization
Air Ambulance cover: Up to 10% of the sum insured per policy period for Sum Insured of Rs.10 lacs and above.
Facility of obtaining Medical Second opinion
Co-pay of 10% of each and everywhere the age at entry is above 60 years

Eligibility Details

Age at entry is 18 to 65 years.
Age at entry for children is 91 days to 25 years.

Star Health Insurance Comprehensive Plan

This policy is meant for both individual and family covering spouse and dependent children. Any person between the ages of 18 to 65 can enrol in this plan. Dependent children can be covered from 3 months and up to 25 years. There is no cap on room rent and treatment cost. The plan covers for over 400 day care procedures. The plan also has personal accident death and permanent disability equal to health insurance cover at no extra cost. The policy has an attractive 100% increase in sum assured on renewal for claim free year.

Features

Hospitalization cover provides for in patient hospitalization expenses for a minimum period of 24 hrs.
Air Ambulance Benefit: 10% of the Sum Insured, applicable for sum insured of Rs.7.5 lakhs and above only.
Covers pre-hospitalisation expenses for up to 30 days and post-hospitalisation for up to 60 days.
Provides expenses for Delivery - including Prenatal and Postnatal expenses after a waiting period of 36 months.
Automatic coverage for the Newborn.
Entitled to hospital cash benefit for each completed day of hospitalization.
Cover against Accidental Death and Permanent Total Disablement.
Entitled to a claim free bonus at 50% of the basic sum insured.
Option for Second Medical Opinion

Eligibility

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 Policy

Individual coverage :

Medi-classic is an insurance policy meant only for individuals. The policy can be taken by any person between the ages of 5 months and 65 years. The plan has automatic restoration of entire sum insured by 200%. 101-day care procedures are covered and no claim bonus of 5% which can go to maximum of 25% for every claim free year. Pre-existing diseases are covered after a waiting period of 48 months and policy can be taken by HIV positive person as per applicable conditions.

Features

Covers patient hospitalisation expenses for a minimum of 24 hrs.
Cover ambulance charges and 101 Day-care treatments.
Covers pre-hospitalisation expenses for up to 30 days and post-hospitalisation paid as lump-sum up to the limit specified.
Pre-existing diseases and illnesses are covered post 48 months.
Comes with Automatic Restoration of Sum Insured.
This policy can be taken by HIV positive persons provided the CD4 count at the time of entry is above 350 (proof to be produced).
Optional add-on covers include Patient Care and Hospital Cash.

Eligibility

Age at entry can be between 5 months and 64 years.
Children can only be covered with parents.

Other Plans

Star Gain Health Insurance Policy

It is a health insurance policy that covers both individual and family. The plan covers both inpatient and outpatient treatments. Any person between the ages of 5 months and 65 years can take this plan. No claim discount of up to 10% is available on renewal.

Features

Provides daily hospitalization cover of upto 1% of sum insured per day.
Covers pre-hospitalisation expenses for up to 30 days and post-hospitalisation for up to 60 days.
Option of co-payment post 60 years of age.
Comes with a waiting period of 48 months for treatment of Preexisting diseases.
Premium options: Rs.15000/-; Rs.20,000/-; Rs.25,000/-; and Rs.30,000/-( applicable GST extra)
The sum assured can be on an individual and floater basis.

Eligibility

Age at entry is 91 days to 65 years.

Star Unique Health

This health plan is a special two-year plan for individuals. Any persons between the ages of 18 to 65 years can take this policy. Pre and post hospitalization expenses are paid as per set limits. The premium for the policy can be paid in two installments.

Star Criticare Plus

This policy covers 9 specified critical illnesses. Lump sum payment is made on diagnoses of critical illness. It covers for non-allopathic treatment up to specified limit. The policy can be taken by an individual between the ages of 18 years and 65 years.

Features

Covers patient hospitalisation expenses for a minimum of 24 hrs.
Covers pre-hospitalisation expenses for up to 30 days and post-hospitalisation paid as lump-sum up to the limit specified.
The major diseases cover are first diagnosis of cancer, Chronic Kidney Disease, Brain tumor Undergoing for the first time- Major Organ transplant, Occurrence for the first time - Cerebrovascular Stroke causing Hemiplegia, Acute Myocardial Infarction, Established irreversible coma, Established irreversible Paraplegia, Established irreversible Quadriplegia.

Eligibility Details

Age at entry is 18 to 65 years.

Star Diabetes Safe Insurance Policy

This policy is specially designed for diabetic patients. It covers hospitalization expenses for hospitalization due to diabetes both type 1 and 2. The policy can be taken both individual as well as floater basis. Two plans A and B are available in the policy. There is no waiting period for plan A but plan B has a 15-month waiting period. It covers more than 400 day care procedures and automatic restoration of entire sum insured. It also includes cost of artificial limbs up to specified limits.

Features

The plan comes in two options - A and B. The former is where Pre-acceptance medical examination is required for all persons and the latter is where no pre-acceptance medical screening is required.
Provides compensation on Accidental Death.
Provides dialysis expenses @ Rs.1000/- per sitting up to 24 months.
Covers outpatient expenses and all day care procedures.
No waiting period for Diabetes related complications under Plan A, 12 months under Plan B.

Eligibility

Age of entry is 18 to 65 years.

Star Family Delite Insurance policy

It is a health insurance plan for the family covering self, spouse and dependent children. It can be taken by any persons between the age of 5 months and 65 years. The policy covers pre and post hospitalization expenses and also specified day care procedures.

Features

Covers expenses for pre-hospitalization, post-hospitalization and specified day care procedures.
Cover specified diseases as per specified limit.
Covers patient hospitalisation expenses for a minimum of 24 hrs.

Eligibility

Age at entry is 5 months and 65 years.

Star Health Gain

This is family floater plan with outpatient benefit coverage. Given below are the details of coverage offered:

This is a family floater plan, which covers health costs of the entire family in the range of INR Rs.1 lakh and Rs.5 lakh A maximum of 2 adults and 3 children in the family between age 5 months and 65 years can be covered under this policy.

The plan has outpatient benefits along with general benefits.

Features

Provides daily hospitalization cover of upto 1% of sum insured per day.
Covers pre-hospitalisation expenses for up to 30 days and post-hospitalisation for up to 60 days.
Option of co-payment post 60 years of age.
Comes with a waiting period of 48 months for treatment of Preexisting diseases.
Premium options: Rs.15000/-; Rs.20,000/-; Rs.25,000/-; and Rs.30,000/-( applicable GST extra)
The sum assured can be on an individual and floater basis.

Eligibility

Age at entry is 91 days to 65 years.

Star Wedding Gift

This plan covers expenses related to child delivery i.e. both Normal and Caesarean along with cover for new born baby. It covers regular hospitalization and also provides cover for non-allopathic treatment up to specified limit. The policy is available for 1 and 2 year term and no pre medical screening is required. The policy can be taken by any couple between the ages of 18 to 40 years.

Star Health Insurance Care Plan

This plan is available for individual or for his/her family. It has cover for pre and post hospitalization. It also offers hospital cash benefit if treatment is done from government hospital. The policy is available for any person between 18 years and 65 years of age living in Tier 1 and Tier 2 cities in India. Whole life renewal is available in this policy.

Star Cardiac Care Insurance Policy

This is a special insurance policy for heart patients between the age of 10 years and 65 years. The policy has two plan option of Gold and Silver plan. It covers 405 day care procedures. Pre-and post hospitalization expenses covered up to specified limits.

Features

No need of Pre-Acceptance Medical Screening.
Option of co-payment post 60 years of age.
Comes with a waiting period of 48 months for treatment of Preexisting diseases.
Covers Personal Accident, Cardiac Section and Out-Patient Expenses
Covers patient hospitalisation expenses for a minimum of 24 hrs.
Covers pre-hospitalisation expenses for up to 30 days and post-hospitalisation for up to 7% of the hospitalization expenses subject to a maximum of Rs.5,000/- per hospitalization.

Eligibility

Age of entry is 10 to 65 years.
Undergone PTCA (Stenting) or CABG (By-pass) procedure (within 7 years period prior to proposal) or
Atrial Septal Defect (ASD) or Ventricular Septal Defect (VSD) that has been corrected or
Patent Ductus Arteriosus (PDA) that has been treated or
Undergone RF Ablation to correct the underlying cardiac condition or
Had an Angiogram done, but no intervention was medically found necessary
Sum Assured comes in two option of Rs.3,00,000/- and Rs.4,00,000/-

Star Cancer Care Gold

This is the first insurance product for person diagnosed with cancer illness. There are two sum insured available INR 3 and 5 lakhs. Entry age is 5 months to 65 years. The tenure of the policy is 1 year. The policy can be taken by individual in which he can cover self/ Spouse/Dependent Children/ Dependent Parents.

Features

Provides a lump sum cover of 50% of Sum Insured - for recurrence, metastasis, and/or a second malignancy unrelated to first cancer.
Option of co-payment post 60 years.
Covers all day care procedures.
Covers pre-hospitalisation expenses for up to 30 days and post-hospitalisation for up to 60 days.

Table & Description	Sum Insured (Rs.3,00,000/-)	Sum Insured (Rs.5,00,000/-)
Section 1 (Lump-sum) - Recurrence, metastasis, second cancer not related to first cancer	1,50,000/-	2,50,000/-
Section 2 (Indemnity Cover) - Surgical and Interventional Therapy	1,00,000/-	1,50,000/-
Section 3 (Indemnity Cover) - Non Surgical and Non Interventional Therapy)	50,000/-	1,00,000/-

Eligibility

You can cover all of your family members.

Star Micro Health Insurance

It is a basic health care insurance for an affordable price. It covers ambulance charges for transportation of the insured person and covers for hospitalization expenses up to specified limit. The plan is available for any person between the age of 5 months and 65 years.

This plan caters specifically to people residing in Tier I and Tier II places.

Features

Provides cover against pre-hospitalization and post hospitalization expenses.
Option to avail hospital cash benefit, if treatment is undertaken in a government hospital.
Post Hospitalisation expenses up to 60 days after discharge from the hospital. Covers medical expenses incurred up to 7% of hospitalization expenses subject to a maximum of Rs.3,000/-.
Covers ICU charges up to Rs.2,000/- subject to maximum of Rs.10,000/- per hospitalization.

Treatment for specific diseases/illness as detailed below:

Ailment	Limit of Indemnity per policy period
Medical Management (Major diseases)	Rs.15,000
Medical Management (other diseases)	Rs. 7,500
Cataract	Rs. 8,500
Accidental grievous injuries (either surgery or medical management)	Rs.40,000
Major Surgeries	Rs.40,000
Other Surgeries	Rs.20,000

Eligibility

Age at entry is 18 - 65 years, from Tier 1 and Tier 2 places in India.

Star Health Insurance Netplus

This is a special policy for HIV+ infected persons. Governmental agencies, NGOs and registered societies serving persons diagnosed as HIV positive can offer their members/beneficiaries for this insurance.

Eligibility

Governmental agencies, NGOs and registered societies serving persons diagnosed as HIV positive can propose their members/beneficiaries for this insurance.

Star Special Care

A plan designed to provide medical insurance cover for children diagnosed with Autism disorder.

Features

Comes with a policy tenure of 1 year and the sum assured is Rs.3,00,000/-
Option of co-pay of 20% for each and every claim.
There is no requirement of pre-acceptance medical screening.
Post Hospitalization: A sum equivalent to 7% of hospitalisation expenses or actual incurred up to 60 days after discharge from the hospital.

Treatment for specific diseases/illness as detailed below:

Ailment / Treatment	Limit per policy period Rs.
Adeno Tonsillectomy	Rs.25,000/- per policy period
Hospitalization for Treatment of Seizures	Rs.30,000/- per policy period
Hospitalization for Treatment of fractures requiring surgery	Up to 20% of the sum insured per policy period
Botox injection (Payable when administered during inpatient hospitalization only)	Rs.5000/- per sitting subject to a maximum of Rs.20,000/- per policy period.
Behavioral Therapy, Physiotherapy, Occupational Therapy and Speech Therapy	Up to Rs.1,500/- per policy period

Eligibility

Child aged between 3 years and 25 years diagnosed with Autism Spectrum Disorder.

Star Health Mediclaim Policy

Value Added Benefits of Star Health Mediclaim Policy

Here are a few salient benefits of Star Health insurance Mediclaim plan-

Room, boarding, nursing expenses as provided by the Hospital / Nursing Home at 2% of the Sum Insured, subject to a maximum of Rs.5,000/- per day
Surgeon, Anesthetist, Medical Practitioner, Consultants, Specialist Fees.
Anaesthesia, Blood, Oxygen, Operation theatre charges, cost of Pacemaker etc.
Emergency ambulance charges for transporting the covered patient to the hospital up to a sum of Rs. 750/- per hospitalisation and overall limit of Rs. 1500/- per policy period.
In-patient hospitalization expenses for a minimum of 24 hours.
Non Allopathic Treatments: Covered up to 25% of the sum insured subject to a maximum of Rs. 25,000/- per policy period.

Inclusion of Star health Mediclaim policy

Pre-existing diseases are covered after 48 months of continuous insurance with any Indian Insurance Company. In terms of Pre and Post Hospitalisation-

Pre-hospitalization medical expenses up to 30 days prior to the date of admission.
Post-hospitalization up to 60 days from the date of discharge from the hospital. The amount payable shall not exceed the sum calculated at 7% of the hospitalization expenses (excluding room charges) subject to a maximum of Rs.5,000/-

Exclusion of Star health Mediclaim policy

Following are a few exclusions of Star Health Mediclaim policy

Any disease contracted by the insured person during the first 30 days from the commencement date of the policy. This exclusion shall not apply in case of the insured person having been covered under any health insurance policy (Individual or Group insurance policy) with any of the Indian Insurance companies for a continuous period of preceding 12 months without a break.

2. During the First two Years of continuous operation of insurance cover,

The expenses for treatment of cataract, glaucoma, retinal detachment/ macular degeneration, prolapse of intervertebral disc (other than caused by accident), varicose veins and varicose ulcers, benign prostatic hypertrophy, deviated nasal septum, sinusitis, tonsillitis, nasal polyps, Chronic Supparative Otitis Media and related disorders etc.
All treatments (conservative, interventional, laparoscopic and open) for Hepatobilary gall bladder and pancreatic calculi and genitourinary calculi.
All treatments (conservative, interventional, laparoscopic and open) for Uterine prolapse, Dysfunctional Uterine Bleeding, Fibroids Pelvic Inflammatory Diseases, all diseases of fallopian tubes and ovaries,
Conservative and operative treatment of joint diseases [other than caused by accident

Note: For the complete list of exclusions please read the policy brochure here.

Eligibility Criteria to apply for Star Health Mediclaim policy

Any person aged between 5 months and 65 years who resides in India, can take this insurance. Beyond the age of 65 years, only renewal is offered in this plan.

Documents Required to Claim Star Health Mediclaim policy

The following documents are required to raise a claim with Star Health Insurance-

Claim Intimation Form which is duly.
Original bills, receipts, and discharge certificate/card from the hospital.
Original bills from chemists supported by proper prescription.
Nature of operation performed and surgeon's bill and receipt.
Attending doctor's certificate.
Receipt and investigation test reports from a pathologist supported by the note from attending medical practitioner/surgeon prescribing the test.
Self-declaration/MLC/First Information Report for the cases of accident.

Combi Plans offered by Star Health and Allied Insurance Co Ltd in Collaboration with India First Life Insurance

Star First Delite
Star First Care
Star First Comprehensive
Star First Classic
Star First Optima
Health Insurance for Corporates

Plans offered by Star Health and Allied Insurance Co Ltd under Travel Category

Star Travel Protect Insurance Policy
Star Corporate Travel Protect Insurance Policy
Star Student Travel Protect Insurance Policy

Plans offered by Star Health and Allied Insurance Co Ltd under Personal Accident Insurance

Accident Care Individual Insurance Policy
Student Care

How to Apply for a 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

Why you should Buy Star Health Insurance Policy

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.

Being a stand-alone health insurance company with customers being at the core of their service. It offers a range of comprehensive health products for individuals, families, and special plans for diabetic and cardiac patients, and senior citizens.

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.
Faster claim settlement – 87% of cashless claims are settled in less than 2 hours. Offers immediate claim support.
Cashless hospitalization – Choose from 8200+ 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.

A Step-by-Step Guide to Renewing your Star Health Insurance Policy Online

Star Health Insurance offers lifelong renewal option. One needs to renew annually, if you forget the renewal date, do not worry, as Star Health sends timely renewal reminders to their customers.to ensure their customers do not forget the renewal date. In case, the policyholder forgets renewal, and policy expires, Star Health plans come with a grace period. The renewal must be done during this period, to ensure the policy does not lapse.

Star Health Insurance Online Renewal:

Visit the insurer's website to renew your policy. And click on the Renewal button.
Next, fill up the form with policy details - policy number, registered mobile number, email ID, and date of birth.
Next, click Proceed.
Check and confirm renewal details such as gross premium and service tax.
Next, click on Purchase Policy.
And proceed to pay the premium. You can pay the premium using net banking, debit card or credit card.

What is Not Covered Under Star Health Insurance?

Dental treatment or surgery unless necessitated due to accidental injuries and requiring hospitalization. (Dental implants are not payable)
Convalescence, general debility, run-down condition or rest cure, Nutritional deficiency states.
Psychiatric, mental and behavioral disorders.
Intentional self-injury
Use of intoxicating substances, substance abuse, drugs / alcohol, smoking and tobacco chewing
Venereal Disease and Sexually Transmitted Diseases,
Injury/disease directly or indirectly caused by or arising from or attributable to war, invasion, act of foreign enemy, warlike operations (whether war be declared or not)
Injury or disease directly or indirectly caused by or contributed to by nuclear weapons/materials

Star Health Insurance Premium Calculator

The official website of Star Health provides a free of cost tool to calculate your health insurance premium. Simply select the type of plan and fill in the requested details such as spouse and children details, assured sum amount, age of the eldest member of the family. Post submission, the tool will automatically calculate the premium amount on your behalf.

Star Health Insurance Claim Process

Cashless Claims

Go to the insurance desk of the hospital.
Show the ID card for identification purpose.
Network hospital would verify your identity and submit pre-authorization form to us.
Our doctor will assess the documents and process the claim as per terms and conditions of the policy.
A field doctor to make the hospitalisation simple for you.
All completion of all the formalities the claim will be settled as per the terms and conditions.

Reimbursement Claim Process

A field doctor to make the hospitalisation simple for you.
On discharge, pay all hospital bills and collect all original documents of treatment undergone and expenses incurred.
Fill the claim form and submit all the original documents to the nearest Star branch office.
Your claim will be settled as policy terms and conditions.

Documents Required To Claim Star Health Insurance Plan

Mentioned below are the documents required to claim Star Health Insurance Plan:

Duly filled in claim form available on the website of Star Health Insurance Plan
Valid Identity proof (mentioned above) with a recent passport-size photograph
Hospitalization letter given by medical authorities
Receipts of medications and consultations
Test reports
Original medical bills, receipts as well as discharge summary

Premium Payment Online: Star Health Insurance

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 renewal.

Documents Required To Buy Star Health Insurance Plan

Mentioned below are the documents required to buy a Star Health Insurance Plan:

Star Health Insurance Plan’s proposal form duly filled in and signed
Passport sized photograph
A copy of your PAN card
A copy of your Aadhar card
Age Proof

Mentioned below are few of the commonly accepted valid age proof documents:

Birth Certificate
Aadhar card
Voter’s ID card
Driving License
Passport
PAN card

Identity Proof

Mentioned below are few of the commonly accepted documents for identity proof:

Voter’s ID card
Aadhar card
Passport
Driving License
Address Proof

Mentioned below are few of the documents that are commonly accepted as address proof:

Utility bills like electricity bills, telephone bills, etc.
Ration card
Deed of agreement for rent
Driving License
Passport

Online Renewal Process Of Star Health Insurance

To renew your existing policy with Start Health, simply visit the official website of the same and login with your registered ID and password. Additionally, you will be required to submit your policy number and insured DOB. Then, you will be asked to make the premium payment via debit/credit/net banking. Post payment, you will get an instant notification that your policy has been renewed. This is the same process for new premium payment.

Star Health Insurance Network Hospital List

You can check the list of network hospitals which are associated with Star Health Insurance from the official website of the insurer at starhealth.in/network-hospitals & Star Health Insurance Network Hospitals . Simply enter your city and state of residence to find a network hospital closest to your home.

Review of Star Health Insurance

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 focussed in this category.

Contact Details of Star Health Insurance Company

Mail address:

The Manager - Customer Care,
Star Health & Allied Insurance Co. Ltd,
No.1, New Tank Street, Valluvarkottam High Road,
Nungambakkam, Chennai - 600 034

Email: support@starhealth.in

Call Us 24x7 At:

Toll Free: 1800-425-2255 / 1800-102-4477

For Other Users: (044)- 2853 2060 / 2853 2030

Conclusion

It certainly doesn’t make sense to risk your own health by not buying health insurance. Medical inflation too has reached sky high, thereby making health insurance a must-buy. Star Health Insurance plan will help your hard-earned savings remain intact in case of a medical emergency. With the striking features and benefits that this plan offers, it has become the most eminent and popular health insurance plans, amongst many.

FAQs on Star Health Insurance

What is the maximum number of claims allowed in a year?

Any number of claims are allowed in a year but up to the Sum insured which is the maximum limit under the policy.

What is Health Card?

A health card is a like an ID card that comes with the health insurance policy. This card will help you get cashless treatment at a network hospital of the insurance company.

I am not an Indian Citizen, can I take health insurance policy with Star?

Yes, you can be covered by a Star health insurance policy, however, the coverage would be restricted to India only.

Can I check my star health insurance claim status?

Once you have intimated the company, the process starts immediately for the approval. In case of cashless claims, chances are it will be approved and settled within 2 hours. However, if you wish to check the claim status, visit Star Health Insurance Company’s website home page, at the top under ‘Claims’ section, click Claims status. Next, enter your claim intimation and ID number then click ‘submit’. After which a list of network hospitals will be displayed, click on the network hospital where the treatment was done, and submit. Your claim status will be displayed.

What is the tax benefit of buying a health policy from Star Health Insurance policy?

All the premiums paid towards the health insurance policy are tax exempted under Section 80D of the Income Tax Act, 1961.

Condition	Self, spouse, and dependent children	Parents	Total deduction under Section 80D
Assessee and his or her family is below 60 years of age	Rs.25,000	Rs.25,000	Rs.50,000
Assessee and his or her family is less than 60 years of age and parents are above 60 years old	Rs.25,000	Rs.30,000	Rs.55,000
Assessee and his or her parents are 60 years and above	Rs.30,000	Rs.30,000	Rs.60,000

How to fill up a Star Health Insurance claim form?

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.

How to pay Star Health Insurance premium online?

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.

Does Star Health Insurance offer any top up plan?

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.

The benefit of having top up policy is that there is no medical check-ups required. However, pre-existing diseases are covered after the completion of 3 years of waiting period. You can add this to your base health insurance plan or even as an individual plan. But claims under such a top up plan is only approved after the policyholder has paid the deduction amount, which can be Rs.3 lakh or 5 lakh depending the type of plan opted.

What is cashless hospitalization? Does Star Health Insurance Company provide it?

Cashless hospitalization is when you are not required to pay any amount for medical treatment undertaken in a listed network hospital mentioned by your Insurance Policy. Yes, Star Health Insurance Company provides cashless hospitalization across a number of listed network hospitals across PAN India.

Does one get a tax benefit for buying a health insurance plan for Star Health Insurance?

Yes, you will be entitled to tax deductions for the premiums paid as per Sec 80D of the Income Tax Act, 1961.

What is the list of diseases that Star Health Insurance Cover?

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.

How to check Star Health Insurance Policy Status?

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.

Is it possible to check star health claim status of Star Health Insurance?

Yes, the official online portal lets you file a claim online as well as track the status of your claim.

Is there any top-up plan of Star Health Insurance?

Yes, the Star Super Surplus plan is a top-up plan which comes with an individual and family floater options.

What is the maximum number of claims that I can make in one year?

The no. of claims depends on the balance sum insured remaining after a particular claim is paid.

Are Star Health Insurance policies accepted across the country?

Yes, Star Health Insurance policies are accepted across the country.

Do I need a medical checkup before buying a Star health insurance policy?

Only for specific policies you are required to submit a pre-screening medical test.

Does Start Health Insurance take care of my existing diseases?

Yes, the insurance company takes care of your existing diseases, but only after a waiting period of 48 months.

What is IVF? Does Star Health Insurance Cover IVF?

IVF is In Vitro Fertilization, which is a unique procedure that helps a woman to get pregnant wherein an egg is fertilized outside the body by the sperms. No, Star Health Insurance doesn’t offer cover for fertility treatments such as IVF treatment.

Does Star Health Insurance Cover Lasik?

No, Star Health Insurance doesn’t offer coverage for any expenses incurred on Lasik or Refractive Error Correction.

Do Any Health Insurance Plans Cover Infertility Treatment?

Not all the health insurance companies offer coverage for infertility treatments. Magmi HDI General Insurance Company offers coverage for IVF treatment. Besides, Bhartiya Mahila Bank (BMB) and New India Assurance have collaborated to offer infertility treatment.