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Star Health Insurance is offered by Star Health and Allied Insurance Company Limited, India's first standalone health insurance company, regulated by the IRDAI (Registration No. 129). Established in 2006, the insurer focuses exclusively on health, personal accident, and travel insurance, with a portfolio that includes plans for individuals, families, senior citizens, and people with specific medical conditions. Its health insurance business is supported by an in-house claims team and a network of 14,000+ hospitals across India.
Sum insured up to ₹1 crore under eligible health insurance plans.
14,000+ network hospitals for cashless treatment across India.
In-house claims management without a third-party administrator (TPA).
96% cashless final approvals within 3 hours, as reported by the insurer.
Lifetime renewability across eligible Health Insurance plans.
Health plans for diabetes, cardiac conditions, cancer, senior citizens, maternity, women, and children with special needs, alongside standard individual and family policies.
Home Health Care and Telemedicine services available under eligible plans and wellness programmes.
Annual health check-ups and wellness benefits under selected policies.
Coverage for AYUSH treatment, modern treatments, organ donor expenses, domiciliary treatment, and daycare procedures, subject to the chosen policy.
Cashless Everywhere facility available under eligible policies, allowing cashless treatment beyond the regular network hospital list, subject to insurer terms.
Star Health Insurance app for policy servicing, premium payment, renewals, claim tracking, and digital health services.
Tax benefits under Section 80D on eligible health insurance premiums.
| Plan | Suitable For | Key Highlights |
|---|---|---|
| Super Star | Individuals and families | Comprehensive health insurance with customisable optional covers, unlimited restoration under eligible conditions, cumulative bonus, and flexible sum insured options. |
| Star Comprehensive Insurance Policy | Individuals and families | Coverage up to ₹1 crore, maternity benefits, outpatient consultations under eligible conditions, wellness rewards, automatic restoration, and annual health check-ups. |
| Star Health Assure Insurance Policy | Individuals and families | Family health insurance with restoration benefit, cumulative bonus, modern treatment cover, and multiple sum insured options. |
| Family Health Optima | Families | Floater health insurance covering spouse, dependent children, and parents with automatic restoration, newborn cover, assisted reproduction treatment, organ donor expenses, and emergency medical evacuation. |
| Senior Citizens Red Carpet | Senior citizens aged 60 years and above | Entry without pre-policy medical screening (subject to underwriting norms), lifelong renewability, and sum insured up to ₹25 lakh. |
| Diabetes Safe Insurance Policy | Individuals diagnosed with diabetes | Designed specifically for people with diabetes, with benefits tailored to diabetes-related healthcare needs. |
| Cardiac Care Insurance Policy | Individuals with cardiac conditions | Health insurance plan developed for people with diagnosed cardiac ailments, subject to eligibility criteria. |
| Super Surplus Insurance Policy | Customers with an existing base health policy | Super top-up plan that enhances overall health insurance coverage after the selected deductible is exhausted. |
Hospital consumables such as gloves, masks, PPE kits, syringes, and similar non-medical items become payable under eligible plans.
Pregnancy-related hospitalisation and newborn benefits are available under selected family health insurance policies after the applicable waiting period.
Consultation charges, diagnostic tests, pharmacy expenses, and dental treatment can be included under eligible plans.
A fixed daily allowance is payable for each day of hospitalisation, subject to the policy limits.
Emergency air transportation expenses are covered up to the specified limit under applicable plans.
Treatment received at home for eligible medical conditions forms part of the policy benefits under selected plans.
Travel expenses of an immediate family member visiting the insured during hospitalisation are reimbursed where this benefit is available.
Eligible plans increase the available sum insured if hospitalisation results from a covered road traffic accident.
Every health insurance company issues a policy document that outlines the coverage, benefits, exclusions, and terms of the selected plan, helping policyholders understand their insurance before making a claim.
Includes the policy number, insured members, sum insured, policy period, premium paid, nominee details, and selected add-on covers.
Lists the medical expenses, benefits, limits, and optional covers available under your chosen plan.
Explains the terms and conditions, claim process, definitions, waiting periods, and policy provisions.
Specifies treatments, illnesses, conditions, and situations that are not covered under the policy.
Policy schedules, certificates, and related documents can be downloaded through the Star Health customer portal or the Star Health Insurance app.
Policyholders can view policy information, renewal dates, claim status, premium receipts, and servicing requests through the insurer's website or mobile app.
Product brochures, benefit illustrations, and policy wordings are available on the official Star Health website for reference before purchase or renewal.
Standalone health insurer with products dedicated to health, personal accident, and travel insurance.
Condition-specific plans for diabetes, cardiac ailments, cancer, senior citizens, women, and children with special healthcare needs.
In-house claims team manages claims directly instead of routing them through an external TPA.
Wellness ecosystem that includes telemedicine, home healthcare, preventive health programmes, and digital health services through the Star Health app.
Cashless Everywhere facility under eligible policies expands treatment options beyond the regular network hospital list, subject to insurer guidelines.
Multiple specialised health insurance plans allow customers to select coverage based on age, medical history, family structure, or specific healthcare requirements instead of choosing a one-size-fits-all policy.
Buying Star Health Insurance online through Coverfox allows you to compare policies, premiums, and benefits before making a decision.
Yes. Depending on your age, medical history, sum insured, and the plan selected, Star Health may issue a policy without a pre-policy medical examination. Medical tests are required only in cases specified by the insurer's underwriting guidelines.
For families, Family Health Optima and Comprehensive Insurance Policy are among the popular options. The right plan depends on the number of insured members, their ages, medical history, preferred sum insured, and budget.
Renewing your policy before its expiry date helps maintain continuity benefits such as waiting period credits, accumulated bonuses, and uninterrupted health insurance coverage. Follow the steps below to renew Star Health Insurance.
Yes. Star Health may allow policy renewal after the expiry date during the applicable grace period. Claims are not admissible for hospitalisation occurring during the break in coverage, and policy continuity benefits may be affected if the policy is not renewed within the permitted timeline.
If the policy is not renewed within the applicable grace period, continuity benefits such as waiting period credits, cumulative bonuses, and uninterrupted coverage may be lost. Renewing your policy before the due date helps avoid a break in coverage.
Need assistance? Our expert team will guide you through the buying or renewing process for the Health Policy.
Evaluate Star Health Insurance alongside plans from other insurers on a single platform before making your decision.
Analyse policy documents to understand inclusions, exclusions, waiting periods, and policy conditions with greater clarity.
Compare premiums, coverage, and benefits without hidden charges or confusing plan information.
Receive unbiased guidance to shortlist a policy based on your healthcare needs, family size, and budget.
Complete the entire buying journey online, from comparing quotes to policy issuance.
Get timely renewal reminders and support for policy renewals and servicing.
Assistance from the Coverfox team throughout claim intimation, documentation, and the claims process.
Star Health Insurance has a network of 14,000+ cashless hospitals across India. Eligible hospitalisation expenses are settled directly with the hospital after claim approval, subject to the policy terms and conditions. To find a network hospital, follow these steps:
| Details | Information |
|---|---|
| Customer Care Number | 1800 425 2255 / 1800 102 4477 |
| support@starhealth.in | |
| Website | www.starhealth.in |
| Star Health Insurance App | Available for policy servicing, premium payments, renewals, claim tracking, and digital health services. |
Disclaimer: The information on this page is intended for general informational purposes only. Policy features, premiums, network hospitals, claim settlement figures, waiting periods, and exclusions are subject to change. Please refer to the official Star Health Insurance policy wording, prospectus, and the latest IRDAI disclosures before purchasing, renewing, or making a claim.
Yes. They offer dedicated plans such as Senior Citizens Red Carpet Health Insurance, which are designed for people aged 60 years and above. These plans include benefits tailored to senior healthcare needs, subject to the policy terms.
Family Health Optima and Comprehensive Insurance Policy are among the popular family floater plans. The right choice depends on factors such as your family's age, medical history, coverage requirements, and budget.
According to the IRDAI Annual Report 2023–24, Star Health and Allied Insurance Company reported a Claim Settlement Ratio (CSR) of 82.31% for health insurance claims.
Yes. Pre-existing diseases are covered after the applicable waiting period specified under the selected policy.
The waiting period depends on the policy. Most plans include a 30-day initial waiting period, while separate waiting periods apply to pre-existing diseases, specified illnesses, and maternity benefits wherever applicable.
Yes. You can port your existing health insurance policy to Star Health Insurance as per IRDAI portability guidelines, subject to underwriting and policy eligibility.
Yes. Depending on the applicant's age, medical history, sum insured, and the plan selected, they will issue a policy without a pre-policy medical examination. Medical tests may be required in specific cases.
You can download the latest Insurance plans PDF, brochures, and policy documents from the insurer's official website or compare plan details on Coverfox.
Cashless treatment is available at 14,000+ Star Health Insurance network hospitals across India, subject to policy terms, claim approval, and the hospital being part of the insurer's active network.
Yes. You can request an increase in the sum insured while renewing your insurance policy, subject to underwriting, product availability, and the insurer's approval.
You can reach the Star Health Insurance customer care team by calling 1800 425 2255 or 1800 102 4477. Assistance is also available through the mobile app, official website, email, and branch offices.
The premium depends on factors such as the age of the insured, sum insured, policy type, number of insured members, city of residence, medical history, and any optional add-on covers selected. You can use the Star Health Insurance Premium Calculator on Coverfox to get an instant premium estimate based on your requirements.
