Star Health And Allied Insurance Health Insurance

Star Health Insurance

Star Health Insurance Plans are best known for providing affordable health insurance plans with comprehensive protection for you, your loved ones, Senior Citizens, Corporates. Star Health Insurance Plans protects your savings from rapidly increasing medical costs by paying an affordable premium amount.

Star Health Insurance, a stand-alone Health Insurance Company, has a variety of health plans like Star Comprehensive, Senior Citizens Red Carpet, Corona Rakshak Policy, Corona Kavach, Super Surplus Top-up, Family Health Optima, Medi-Classic, Star Health Gain, Diabetes Safe, Star Cardiac, Star Cancer Care Gold, Star Criti Care Plus, Arogya Sanjeevani and more.
Star Health Insurance Plans offers comprehensive protection through coverage for hospitalization, daycare procedures, medical care at home (domiciliary hospitalization), ambulance charges, pre and post-hospitalization, and more.
Star Health Insurance has a massive network of 9,900+ Network Hospitals, 2.95 LAKH+ agents, building a healthier India for helping its customers in all possible ways. With a customer base of Over 16.9 Cr Customers to date and successfully paid claims worth over ₹ 12,739 Cr, and 90% cashless claims settled in less than 2 hours with the help of its HASSLE-FREE in-house claims settlement making it popular among the masses.

Interesting Facts of Star Health Insurance

Incurred Claim Ratio	63%
Network Hospitals	9800+
Branches	340+
Renewability	Lifelong
Customer Care Toll Free No	1800-425-2255

Best Star Health Insurance Plans 2020

Star Health Insurance Plans	Features	Eligibility
Star Family Health Optima Insurance 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 Senior Citizens Red Carpet Health 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 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

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 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.

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.

Value Added Benefits of Star Health Insurance

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 Insurance

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 Insurance

Following are a few exclusions of Star Health Insurance

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.
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

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.

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

Claim Process Of Star Health Insurance

Cashless Claims	Reimbursement Claim Process
Go to the insurance desk of the hospital	A field doctor to make the hospitalisation simple for you
Show the ID card for identification purpose	On discharge, pay all hospital bills and collect all original documents of treatment undergone and expenses incurred
Network hospital would verify your identity and submit pre-authorization form to us	Fill the claim form and submit all the original documents to the nearest Star branch office
Our doctor will assess the documents and process the claim as per terms and conditions of the policy	Your claim will be settled as policy terms and conditions
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

Documents Required To Claim Star Health Insurance

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

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.

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.

Reviews 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 focused in this category.

FAQ's On Star Health Insurance

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.

Does Star Health Insurance Cover Lasik?

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

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.

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.

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 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.

Customer Reviews

Average Customer Rating:

Star Health Insurance 4 / 5 ( 51 reviews )

Arpit sharma

Lethargic peoplw

They have taken more than 4 hours to process my claim amount, till the time they will process, hospital will wait to process further. Not recommended for cashless transaction.

23 Dec 2019

Health Insurance

Star Health And Allied Insurance Health Insurance