Star health insurance is one of the most reputable insurance company in the country. This company was formed in 2006 and has a wide variety of insurance plans that meets everyone’s needs. Star health insurance’s headquater is located in Chennai and it has a pan-India presence with approximately more than 14,000 network hospitals and 850+ branch offices all around India.
In addition to providing a wide selection of customised services and health insurance, the insurer also provides free Telehealth consultations to the user with an experienced team of in-house available doctors and, if required, a free second opinion of the buyer. More than 8 lakh consultations related to primary care, specialist referrals, secondary opinions, and guidance for decisions have been successfully completed by Star Health Insurance.
Top Star Health Insurance Plans:
The top health insurance plans offered by Star Health Insurance are mentioned below:
1 .Star Insurance Smart Health Pro
Star Health and Allied Insurance has launched Smart Health Pro policy, a health insurance policy available exclusively online at the comfort of the home. This unique policy allows its customers to customize their coverage by selecting from a wide variety of optional add-on covers. This program is tailored to meet the evolving needs of India’s digitally savvy generation, the policy allows individual buyers to choose a sum insured approximately from Rs.5 lakh to Rs.1 crore, according to their personal requirements.
The benefits of Smart Health Pro are:
- Unlimited automatic sum insured replenishment: The chosen sum insured value by you will be automatically restored an unlimited number of times, up to a maximum of 100 percent every time. This renewed sum insured is applicable for the specific hospitalization. The restoration feature activates upon partial or full utilization of the coverage limit. The restored sum insured amount can be utilized for all claims, including specific hospitalizations.
- Cumulative bonus enhancement: Earn a 50% bonus in the sum insured for each claim-free year, with a maximum accumulation of up to 600% of the sum insured value.
- Room category flexibility: The insured individual has the freedon to upgrade or downgrade the room criteria from a private single AC room to any other room or shared room or an accommodation.
- Reduction of pre-existing diseases waiting period: The insured individual can customize the waiting period from 48 months to 36/24/12 months.
- Inclusion of non-medical items in coverage: Items categorized as non-medical, usually excluded from insurance coverage and fall under usable criteria, will become selectable for payment with this new optional cover. This happens when there is an admissible claim under the policy for inpatient or day-care treatment.
The features of Smart Health Pro are:
Entry age | It is available for individuals aged 18 to 50 years, with dependent children covered from a minimum of 18 years up to a maximum of 50 years. |
Sum insured | From Rs.5 lakh to Rs.1 crore. |
Coverage | This coverage includes annual health check-ups, pre & post-hospitalization expenses, road ambulance, daycare treatment, domiciliary hospitalization, in-patient hospitalization, and homecare treatment.Additional benefits comprise telehealth services and wellness services. |
Automatic Restoration | Automatic restoration of basic addition insured once by 100% upon exhaustion of the sum insured and no claim bonus during the policy time line. |
Discount on Renewal | Insured individuals can enjoy a 10% discount on the renewal premium for both the first purchase and subsequent renewals. |
2.Diabetes Safe Insurance Policy
The Diabetes Safe Insurance Policy covers in-patient hospital admit due to diseases, accidents, and complications from Type 1 or Type 2 diabetes. Individuals having a history of diabetes can think to buy this policy. The plan provides individual and family floater coverage for complications and risks related to diabetes as well as for any other illnesses requiring hospital admit for a full day.
Product Type | Individual/Floater |
Entry Age (for adult) | From 18 years to 65 years |
Policy Period | 1 year to 3 years |
Sum Insured | Rs.3 lakh to Rs.10 lakh |
Discount | 5% discount while purchasing policy online |
Waiting Period Non-Diabetic Complications | For pre-existing diseases: 48 months For specific diseases: 24 months and for the Waiting period: 30 days (except for accidents) |
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Star Cardiac Care Insurance Policy-Platinum:
The Star Cardiac Care Insurance Policy-Platinum is a special health insurance plan for people who have had heart surgery or have been diagnosed with a cardiac condition at any time of their age. Individuals from the ages of 7 years to 70 years are covered under this plan.
Product Type | Individual |
Entry Age | From 7 years to 70 years |
Policy Period | From 1 year to 3 years |
Sum Insured | Rs.5 lakh to Rs.15 lakh |
Cumulative Bonus | Up to 100% of the basic sum insured |
Pre-acceptance Medical Screening | Not needed |
Automatic Restoration | 100% of basic sum insured (non-cardiac complications) |
Discount | A discount of 10% on the renewal premium is present |
Waiting Period (Cardiac Ailments) | 30 days Heart transplantation:24 months |
Waiting period (Non-cardiac Ailments) | For Pre-existing diseases: 48 months, for Specific diseases: 24 months forWaiting period: 30 days (except for incidents) |
4.Star Comprehensive Insurance Policy:
With a lifetime renewal benefit on these insurance, the Star Comprehensive Insurance Policy can cover all from an individual to a family. This plan provides multiple sum insured options.
Product Type | Individual and Floater |
Eligibility (for adult) | From 18 years to 65 years |
Dependent Children | From 91 days to 25 years |
Policy period | 1 year to 3 years |
Instalment facility for premium payment | Quarterly/Half-yearly |
Sum Insured | Rs.5 lakh to Rs.100 lakh |
Discount | 2% to 10% on Renewal Premium under Wellness Rewards Program 5% discount on purchasing online |
Waiting Period | For the Pre-existing diseases: 48 months, for Specific diseases: 24 months, for Waiting period: 30 days |
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Senior Citizens Red Carpet Health Insurance Policy
The Senior Citizens Red Carpet Health Insurance Policy is best suitable for senior citizens between the ages of 60 to 75 years. A life long renewal option is included with the policy, which covers a variety of daycare procedures, treatments, modern treatments, and pre-existing conditions and other formalities.
Entry Age | From 60 years to 75 years |
Renewal | Lifetime |
Policy period | 1 year to 3 years |
Sum Insured | Individual:Rs.1 lakh to Rs.25 lakh |
Pre-insurance Medical Screening | Not needed |
Discount | 5% on purchasing and renewing policy from online website If the proposer gives the required documentation, 10% of the premium will be permitted.Stress Thallium Report Sugar (blood & urine)BP Report Blood pressure urea and creatinine |
Waiting Period | For Pre-existing diseases: 12 months For Specific diseases: 24 months For Waiting period: 30 days (except for accidents) |
Process to take Star Health Insurance Policy:
The steps to take a Star Health Insurance plan online are listed below:
Step 1: Visit the official website of the Star Health Insurance.
Step 2: Press on the ‘Buy Now’ button.
Step 3: Add all the requested information.
Step 4: Select an insurance plan as per your needs.
Step 5: Pay the premium.
Step 6: You will receive the policy documents at your entered email address.
Process to Renew Star Health Insurance Policy by yourself:
You can easily renew your Star Health Insurance plan online at your convenience of home. The steps to renew your Star Health Insurance plan online by yourself are as follows:
Step 1: Visit the official website of the Star Health Insurance.
Step 2: Press on the ‘Renew’ option.
Step 3: Add your date of birth and policy number.
Step 4: Press on the ‘Submit’ button.
Step 5: Pay the premium payment.
Step 6: A renewal copy of your Star Health Insurance plan will be sent to your entered email address.
What is star Health Insurance Cashless Claim Process:
Star Health Insurance provides a simple process to ensure immediate processing of all settlements. You can make a claim in two different ways – cashless claim and reimbursement claim.
The claim settlement procedure for a cashless claim is mentioned below:
Step 1: Go to the network hospital’s insurance table. You can call 1800 425 2255 | 1800 102 4477 or send an email to support@starhealth.in to initiate Star Health Insurance.
Step 2: At the hospital reception, provide your Star Health ID card for proof of identity.
Step 3: Submit the asked documents such as doctor decision and pre-admission investigations.
Step 4: Your identification will be sure by network hospitals, who will then give in a properly completed pre-checked form to Star Health Insurance.
Step 5: All of the provided documentation will be re checked by the doctors before the claim is processed.
Step 6: If necessary, a field doctor a lot to the case might see the patient at the hospital.
Step 7: Following discharge, the hospital will re submit the claim documentation to Star Health Insurance. The insurer will pay the hospital the verified sum.
Star Health Insurance Reimbursement Easy Claim Process:
Reimbursement claims can be made at both network and non-network hospitals. The steps to apply for a reimbursement claim are listed below:
Step 1: Notify Star Health Insurance within 24 hours of being taken to the hospital.
Step 2: Take the treatment and pay all the medical bills.
Step 3: Apply a reimbursement claim.
Step 4: Submit the claim documentation to Star Health Insurance within the 15 days of discharge time.
Step 5: Your claim will be processed after the verification of your provided documents.
Step 6: The amount will be reimbursed to your entered bank account upon approval.
Documents Required for Star Health Insurance Easy Cashless Claim:
Here is a list of documents needed to apply for a cashless claim with Star Health Insurance:
- Health card
- Summary of Discharge from hospital
- Pharmacy invoices accompanied by prescriptions of the hospital
- Doctor’s consultation papers
- Investigation reports (X-rays, blood reports, scans, etc)
- Insured’s KYC documents (for claim amount above Rs.1 lakh)
- Medico-Legal Certificate (MLC) and or FIR in the event of an accident
Note: You must submit all original documents except for the health card that you have.
Documents Required for Star Health Insurance Easy Reimbursement Claim:
The documents required in a reimbursement claim settlement procedure are as follows:
- Health card
- Completed claim form
- Discharge summary
- Pharmacy invoices accompanied by prescriptions
- Doctor’s consultation documents and pre-admission investigations
- Investigation reports (X-rays, blood reports, scans, etc)
- Receipts from the hospital and the chemist
- KYC documents
- NEFT information, contact information, and email address
- Medico-Legal Certificate (MLC) and or FIR in the event of an accident
Star Health Insurance Inclusions:
Here is a list of expenses covered under the Star Health Insurance plans:
- With medical expenses continuously rising, Star Health Insurance plans cover pre- and post-hospitalization expenses connected with in-patient hospitalization.
- Hospitalization costs related to illness or accidents including room rent, doctor consultation fees, ICU charges, surgery charges, etc., are covered in the same insurance.
- Surgery and treatment periods that once required a long time have been reduced due to advances in technology field. Thus, daycare processes and treatments are covered by health insurance policies.
- Domiciliary treatments carried out at home on the doctor’s prescription are covered by the Star Health Insurance plans.
- Road traffic accident-related to inpatient hospitalizations are typically covered by medical claim plans.
- The costs related with a health check-up are also covered by medical insurance policies along with hospitalization.
Star Health Insurance Exclusions:
Here are the exclusions of the Star Health Insurance:
- Self-created injuries are not covered under any health insurance policies.
- Health insurance policies do not cover charges that occur as a result of cosmetic or plastic surgery performed to improve buyer’s appearance.
- Expenses related to health issues brought on by involving in risky or adventure sports will not be covered.
- The majority of health insurance policies do not provide coverage for expenses related to the management of weight gain or weight loss.
- The charges included with the purchase of eyeglasses, wheelchairs, crutches, hearing aids, and other similar aids will not be included by the Star Health Insurance policies.
- Dental treatments or processes will not be covered unless they are required because of accidents that result in hospitalization.
Star Health Insurance Customer Care support:
Star Health Insurance’s customer services work 24 hours to provide regular support to its customers. In case of any problems or issues, you can get assistance from the insurer in any of the ways listed below:
- Buy Plan: 1800 425 2255
- Renew Plan: 1800 102 4477
- Claims Helpline: 044 6900 6900
- Corporate: 044 4366 4666
- Grievance: 044 4366 4600
- Senior Citizen Claims: 044 4002 0888
- Senior Citizen Grievance: 044 6900 7500
- WhatsApp number: +91 95976 52225
- Email address: support@starhealth.in, claims@starhealth.in
Benefits of buying Star Health Insurance:
The benefits connected with buying Star Health Insurance plans are mentioned below:
- The products are customer-centric and designed to cater to the needs of a diverse group of individuals with different requirements.
- The insurer provides medicines at lower prices online. It has store picks as well as home delivery in 2,780 cities all around the country.
- You can dial 7676 905 905 to get free phone, chat, or video call inquiry with the insurer’s expert recommended doctors.
- You can engage in wellness programs to earn rewards for staying fit. The rewards can be redeemed to receive renewal discounts on your insurance.
List of different Health Insurance Plans Offered by Star:
The various health insurance policies offered by the Star Health Insurance are below:
Type of Plan | Policy Term |
Star Women Care Insurance Policy | 1to 3 years |
Star Comprehensive Insurance Policy | 1 to 3 years |
Senior Citizens Red Carpet Health Insurance Policy | 1 to 3 years |
Family Health Optima Insurance Plan | 1 /2 years |
Star Health Premier Insurance Policy | 1to 3 years |
Super Surplus Insurance Policy | 1 /2 years |
Medi Classic Insurance Policy (Individual) | 1 / 2 years |
Star Health Gain Insurance Policy | yearly |
Star Micro Rural and Farmers Care | 1 yearly |
Star Hospital Cash Insurance Policy | 1to 3 years |
Star Out Patient Care Insurance Policy | 1 yearly |
Young Star Insurance Policy | 1to 3 years |
Arogya Sanjeevani Policy, Star Health and Allied Insurance Co Ltd. | 1 yearly |
Star Health Assure Insurance Policy | 1to 3 years |
Star Extra Protect – Add on Cover | According to the base policy available |
Star Health & Allied Insurance Network Hospitals:
Star Health and Allied Insurance has good relations with multiple hospitals around the country where policyholders with a Star Health Insurance policy can get cashless hospitalization as well as reimbursement facility.
To find a network hospital near your home, select your state and city from the drop-down box on the online Network Hospital Locator. You will find a list of network hospitals with contact details instantly. Star Health Network Hospital members can avail cashless transactions and get package rates for identified processes.
FAQs on Star Health Insurance
- What are the maximum numbers of claims that can be raised in a year?
There is no limit to the number of claims that can be raised in a year. However, the policy’s upper limit is the sum insured amount.
- Does Star Health Insurance coverage include diagnostic costs such as X-rays and ultrasounds and other check ups?
All body tests, such as X-rays, blood tests, and MRIs are covered by health insurance provided that they are related to the patient resting in the hospital for a minimum of 24 hours. Star Health Insurance will not cover health tests that do not result in treatment or that are advised as outpatient care.
- What is a health card that is issued?
A health card is same as an identity card and is given along with the health insurance policy. This card helps you to get cashless hospitalization at any of the network hospitals that comes under Star Health Insurance.
- What is the Family Floater Plan in insurance?
The Family Floater Health Plan helps you to cover all medical costs during unexpected illnesses, accidents, and surgeries.
- Will the Star Health Insurance cover treatments for the existing diseases?
Health insurance plans do not cover treatment for any pre-existing disease or conditions that you had in your past. After 48 months of continuing renewals with the Star Health Insurance, any such pre-existing disease or condition that you already had will be covered.
- Can foreign citizens get a health insurance plan for their children studying in India?
Yes, the amount of coverage will be less to treatment received in Indian native hospitals during the term of the policy.
- Can I buy a Star Health Insurance policy for my three-year-old children?
The health insurance policies provided by Star do not provide individual people coverage for children. But, any one of the parents may add a child in their coverage.
- How do I check the status of my Star Health Insurance policy?
You can check the status of your Star Health Insurance policy by visiting the official website of the star health insurance. Here, 1st you need to log in to your account with your username and password to view details about your plans.
- Does Star Health Insurance provide coverage for the maternity expenses?
Yes, a few Star Health Insurance plans like the comprehensive plan covers the maternity expenses.
- Will the COVID-19 test be covered in the policy?
Yes, Star Health Insurance covers the cost of the RT PCR Test set by the central or state government that includes the covid – 19 test.
- What is the grace time period offered by Star Health Insurance?
Renewals at Star Health Insurance have a 30-day grace time period. This allows you to make the renewal premium payment even after the due date has passed a long time ago. During the grace period of 30 days, you can enjoy full coverage benefits of your health insurance plans.
- Where can I try to find the Star Health Insurance TPA list to process my claims?
Star Health Insurance does not have any TPA lists. The insurer has a dedicated in-house claims settlement team that makes sure your claims are handled quickly and efficiently without any delay.
- Does Star Health Insurance provide you a restoration benefits as part of family health insurance plans?
Yes, very few of the health plans by Star Health Insurance include a 100% restoration benefit in the plans.
- Is it possible to transfer my Star Health Insurance policy to another policy?
Yes, you can easily transfer your Star Health Insurance policy. According to the Insurance Regulatory and Development Authority of India (IRDAI) guidelines, you can port your policies at least 45 days before the next policy renewal date, but no sooner than 60 days of given timeline.