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 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

  1. 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 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 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 & 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


Call Us 24x7 At:

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

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


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.

ConditionSelf, spouse, and dependent childrenParentsTotal deduction under Section 80D
Assessee and his or her family is below 60 years of ageRs.25,000Rs.25,000Rs.50,000
Assessee and his or her family is less than 60 years of age and parents are above 60 years oldRs.25,000Rs.30,000Rs.55,000
Assessee and his or her parents are 60 years and aboveRs.30,000Rs.30,000Rs.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.

Can Star Health Insurance Cover Ayurvedic Treatment?

No, Star Health Insurance doesn’t offer coverage for Ayurvedic treatments.

How Can I Download Star Health Insurance Claim Form?

Download Claim Form Just Click Here:->Star Health Insurance Claim Form.

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