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Star Health Insurance Plan
Star Health Insurance
Star Health Insurance
Star Health Insurance is a reputed name in the Indian health insurance industry. The company has served more than 70 ...Read More
14,000+
Cashless hospitals
99.06%
Claim settlement
1 Cr
Max sum insured
37
Active plans
🛡️ IRDAI Approved
⭐ 4.4/5 · 2,755 reviews
🏥 14,000+ hospitals
📊 2.21x solvency ratio
✅ 99.06% claim settlement
What you get with Star Health Insurance
The headline features and policy mechanics, at a glance.
Sum insured up to 1 Cr
Coverage scales from entry-level individual plans to high-end family-floater protection.
14,000+ cashless hospitals
Direct billing at network hospitals across 850 presence — no out-of-pocket payment at admission.
99.06% claim settlement
Industry-leading approval rate on eligible claims received in the most recent fiscal year.
2.21x solvency ratio
Well above IRDAI's 1.5× floor — strong indicator of long-term claim-paying ability.
37 active plans
Choose from individual, family floater and senior-citizen variants to match your household.
3+ optional riders
Extend a base policy with add-on covers — critical illness, OPD, maternity and more.
About Star Health Insurance
A quick overview of the insurer — parent group, brand history, and where they sit in the Indian health-insurance market.
Star Health Insurance Plans
Star Health and Allied Insurance is one of India’s well-known health insurance companies, established in 2006. It offers health plans for individuals, families, and senior citizens, ensuring coverage for people of all ages. The company is trusted by many customers and is known for handling claims smoothly. It also provides useful benefits like cashless treatment at many hospitals, affordable plans, and coverage for maternity and other medical needs. Overall, Star Health is a good option if you want simple health insurance with reliable claim support.
With a widespread network of over 14,000 hospitals across India, Star Health is a trustworthy name in the Indian insurance sector today. Star Health policies are designed for everyone, including specialized plans for women, corporations, and individuals with special needs.
Star Health Insurance plans have an impressive record of settling 97% cashless final approvals within 3 hours. As per the latest annual report released by IRDAI, Star Health has a remarkable solvency ratio and Incurred Claims Ratio (ICR).
Key Highlights of Star Health Insurance:
- 14000+ Network Hospitals
- 5000+ Claims Settled Everyday
- 99.06% Claims Settled in 3 hours
- Sum Insured up to ₹2 Cr
- 24X7 Customer Support
What sets Star Health Insurance apart?
- Special health plans for autism and diabetes
- A comprehensive wellness system to promote a healthy lifestyle
- Emergency air ambulance services
- International travel for treatments
- Unlimited teleconsultations
Star Health Insurance Awards and Accolades
- Digital Innovation of the Year (Health Insurance)' Award
- Best Social Media Customer Care' in the Financial Services Category
- e4m Pride of India - The Best of Bharat Awards 2022
- Most Innovative New Product of the Year - Young Star Health Insurance Policy
- Best BFSI Brands 2019' by Economic Times
Choose Star Health Insurance Coverage of Your Choice
Select a sum insured option below to compare health plans matching your coverage need.
Video reviews
Walkthroughs from the PolicyX team — pros, cons, real claim experiences, and a recommendation on who should buy.
Star Health & Allied Insurance Company
All about Star Health Insurance and Plans
Star Health Insurance Plan Detailed Review
All 37 Star Health Insurance plans
Every plan currently being sold by Star Health Insurance, shown side-by-side so you can shortlist quickly.
Star Group Health Insurance
Star Health provides Group Arogya Sanjeevani and Star Group Health insurance. With Star Group Health plans, insured individuals can choose …
- 14,000+ network hospitals nationwide
- Custom co-pay flexibility
- Family and parent coverage options
Star Super Star Health Plan
Star Health Insurance Company has launched one of its most revolutionary plans, the Star Super Star Health Plan. It offers flexible and cus…
- Daycare procedures
- Modern treatment
- Second medical opinion
- Maternity cover
Star Health Assure Policy
Star Health Assure Insurance Policy is a versatile, 360-degree health insurance plan providing wide coverage for yourself, your spouse, dep…
- Second Medical Opinion
- Health Check-up Covered
- 100% Cumulative Bonus
- Compassionate Travel
Star Health Cancer Care Gold
The burden of medical expenses for cancer treatment can be overwhelming, leaving individuals and their families under financial strain. Sta…
- Covers existing cancer patients
- Cashless hospitalization
- No pre-policy check-up
Star Health for Cancer
Cancer is a serious and challenging disease, causing patients and their families to struggle emotionally, physically, and psychologically. …
- 20% of Sum Insured for compassionate care
- Access to wellness services
- Second medical opinion coverage
Star Health Top-up Plans
Top-up health plans from Star Health Insurance can help protect your health in the event of a medical emergency after you have exhausted th…
- Avail wellness benefits
- Consult doctors online
- Recharge your sum insured
Star Special Care
Star Health Special Care is a unique individual indemnity plan designed for individuals diagnosed with Autism Spectrum Disorder. It offers …
- Modern Treatment Available
- Day Care Procedures Available
- Ambulance cover
- Room rent cover
Star Criticare Plus Policy
Star Criticare Plus Policy is a dual benefit plan, offering coverage for both health insurance and critical illnesses. It provides a lump s…
- Cover chronic kidney disease
- Major organ transplants covered
- Acute Myocardial Infarction covered
Star Outpatient Care
Most health insurance plans inadequately cover OPD (Out-Patient Department) expenses for an insurance holder. However, Star Outpatient Care…
- Cover up to 6 family members
- 3 Plan variants available
- Dental Cover available
- Physiotherapy cover
Star Accident Care Plan
The Star Health Accident Policy provides optimal care and coverage in case of unfortunate accidents. Accidents are an uninvited inconvenien…
- Educational grant for 2 children
- Accidental Death
- Permanent Total Disability
Star Insurance for Maternity
Motherhood is a rewarding and fulfilling journey, marking the start of an important and exciting chapter in your life. It also comes with i…
- Lifetime renewability
- High SI
- No room rent limit
Star Health Critical Illness
It is wise to be prepared with a health insurance policy to cover medical and other expenses in case of illness. However, if you already ha…
- Pre-hospitalisation covered
- No survival period applicable
- Sum insured enhancement option
Star Health Insurance for Parents
Turning sixty is a major milestone. It is a time to become more careful about one's health. Any illness can bring a lot of anxiety and ment…
- No pre-policy medical checkup
- Individual & family plan
- 3-year Policy term
Star Health Insurance for Family
Star Health Insurance plans for a family are a golden investment when it comes to securing the future of your loved ones. Star family plans…
- Annual health check-up
- Daycare procedures
- AYUSH cover
Star Health for Senior Citizens
Star Health Insurance for Senior Citizens is exclusively designed for senior citizens who want to meet high medical costs by paying a yearl…
- Daycare coverage
- No pre-policy checkup
- Multiple SI options
Star Health Gain Insurance Policy
Star Health Gain Insurance Policy, offered by Star Health, is a medical insurance policy designed specifically to provide the best possible…
- Day Care Procedures Covered
- Road Ambulance Available
- Modern Treatments Available
- Outpatient Benefit
Star Arogya Sanjeevani
Star Health Arogya Sanjeevani is a Health Insurance policy that safeguards you and your family from the financial burden and stress during …
- Affordable Plan
- 50% No Claim Bonus
- Flexible Policy
- Day Care Procedures Covered
Young Star Policy
The Young Star Insurance Policy is tailor-made for individuals up to 40 years of age. This plan is available on an individual and family fl…
- <ul> <li>Mid-term inclusion</li> <li>10% discount on early purchase</li> <li>Star Wellness Program</li> <li>Flexible Premium Payment</li> <li>Two plan variants (Silver and Gold)</li> </ul>
Star Novel Coronavirus (nCoV)
Star Health has introduced the Star Novel Coronavirus (nCoV) (COVID-19) Insurance policy. This policy covers expenses incurred during the t…
- Lumpsum payout on COVID-19 diagnosis
- Short waiting period
- No medical checkup required
Star Senior Citizen Red Carpet
A comprehensive plan to secure your old age from medical expenses. Star Senior Citizens Red Carpet Health Insurance Plan is designed to cat…
- Individual & family floater plan
- Flexible SI
- Road Ambulance Cover
- ICU cover
Star Family Health Optima
A supersaver policy covering every family member. Star Family Health Optima is a strategically priced family health insurance plan. It offe…
- No Pre-Policy Check-up
- Lifelong Renewability
- High SI available
- COVID-19 cover
Star Rural Micro Health Policy
Star Micro Rural and Farmers Care is an individual and family floater plan with a sum insured of INR 1 Lakh and INR 2 Lakh respectively for…
- <ul> <li>Designed for Farmers</li> <li>Flexible Policy</li> <li>Day Care Procedures</li> <li>Flexible Payment Options</li> <li>PED cover available</li> </ul>
Star Cardiac Care
Medical insurance designed specially for heart patients.Star Health Cardiac Care Health Insurance plan is the perfect medical policy for in…
- Flexible Product
- Personal Accident Cover
- 2 Plan Variants
- Road Ambulance
Star Health Super Surplus Policy
A top-up plan for added coverage at affordable costs. Star Super Surplus Insurance Policy is a top-up health insurance plan offering surplu…
- Flexible Policy
- Avail Long Term Discount
- Cover family up to 2 Adults + 3 Children
- Lifelong renewal
Young Star Extra Protect Policy
The Young Star Extra Protect add-on cover policy is designed to enhance the benefits of your existing Young Star insurance policy. It exten…
- Modern treatment coverage
- Room rent extension
- Base SI enhancement
- Home care treatment
Star Women Care Insurance Policy
The Star Women Care Insurance Policy is designed to support women's health needs, acknowledging their endless responsibilities. It offers c…
- Designed for Women's Care
- Optional Cancer Cover
- Bariatric Surgery Cover
- Mid-term Inclusions
Star Medi Classic Insurance Policy
The Medi Classic Insurance Policy covers hospitalisation expenses incurred due to illness, disease, sickness, or accidental injuries. It al…
- Plan Variants Available
- Customizable Plan
- Hospital-Cash Benefit
- 5% Family Discount
Star Comprehensive Plan
Get comprehensive coverage at affordable premiums. Star Comprehensive Insurance Policy is a complete health insurance plan that addresses a…
- 99.6% CSR
- Up to ₹1 Cr SI
- Maternity Cover
- Newborn Baby Cover
Star Smart Health Pro Plan
Star Smart Health Pro policy is a newly launched digital plan by Star Health Insurance for customers who want a truly customizable health i…
- Modify Room Category
- Up to 600% Cumulative Bonus
- Reduced Waiting Period
- Non-Medical Items Covered
Star Extra Protect Plan
Star Extra Protect insurance plan is an add-on cover under Star Health Insurance that enhances the limitations of your existing base policy…
- Modern treatment coverage
- Room rent limit extension
- Base SI enhancement
- Home care treatment
Star Health Special Care Gold Plan
A unique health insurance plan designed by Star Health Insurance to provide medical coverage to individuals with disabilities and HIV/AIDS.…
- Modern Treatment Available
- Day Care Procedures Available
- Ambulance cover
- Room rent cover
Star Cardiac Care Platinum
The Star Health Cardiac Care Platinum plan is a long-term policy, offering coverage for 1, 2, or 3 years. It is designed for individuals ag…
- Avail Heart Transplantation
- Long Term Policy
- Up to 15 L SI
- Cardiac device cover
Star Hospital Cash Policy
Star Hospital Cash Insurance Policy is designed to provide insured individuals with additional protection, covering incidental expenses suc…
- <ul> <li>3 Years Policy Term</li> <li>Cover up to 3 Children</li> <li>180 days of hospital cash</li> <li>Comprehensive Plan</li> <li>Various Hospital Cash Covers</li> </ul>
Star Critical Illness Multipay
Star Critical Illness Multipay Insurance Policy is designed to cater to individuals by providing them with lump sum coverage upon diagnosis…
- Flexible Payment
- Long Term Policy
- Bone Marrow Transplantation
- Heart Disease Cover
Star Cancer Care Platinum Insurance Policy
Star Cancer Care Platinum Insurance Policy is designed to cater to cancer patients. The plan helps the insured individual's family prepare …
- Cataract Cover
- No pre-medical check-up
- Lump Sum Cover
- 50% Cumulative Bonus
Star Health Premier Policy
Star Health Premier Insurance Policy is a unique health plan designed to cover individuals aged 50 years and above, with no maximum entry a…
- Cataract Treatment Cover
- 10% Health Check- Up Discount
- High SI
- Home Care Treatment
Star Diabetes Safe Insurance Policy
Star Health Diabetes Safe Health Insurance Plan is a unique plan designed to offer coverage to individuals with Type 1 and Type 2 diabetes.…
- Road Ambulance Cover
- Pre and Post Hospitalization
- ICU Cover
- Room Rent Cover
Quick comparison
Side-by-side across the 3 most-bought Star Health Insurance plans on PolicyX.
| Feature | Star Group Health Insurance | Star Super Star Health Plan | Star Health Assure Policy |
|---|---|---|---|
| Plan type | Group Health Insurance | Individual and Family Health Insurance | Individual and Family Health Insurance |
| Sum insured | 10 L to 1 Crore | 5 L, 7.5 L, 10 L, 15 L, 20 L, 2… | 5 L, 10 L, 15 L, 20 L, 25 L, 50… |
| Entry age | Any age can enter this policy | Individual 18 years to No limit, Floate… | Child: 16 Days - 17 Years, Adult: 18 - … |
| Top benefits | 14,000+ network hospitals nationwide · Custom co-pay flexibility | Daycare procedures · Modern treatment | Second Medical Opinion · Health Check-up Covered |
What's covered — and what's not
The standard inclusions and exclusions across Star Health Insurance plans. Specific plans may add benefits — always check the policy wording before purchase.
✓ Inclusions
- Star Health Insurance understands the impact of rising medical expenses, thus they have made sure that their insurance products contain pre and post-hospitalization expenses related to in-patient hospitalization.
- Most Star Health Insurance plans have in-built alternative treatment cover which you can utilize to your benefit. AYUSH treatments include Ayurveda, Unani, Siddha, and Homeopathy treatments.
- Star health insurance plans cover your hospital expenses like room rent, ICU charges, surgery expenses, doctor consultations, and other such expenses.
- Multiple procedures do not require a 24-hour hospitalization. With this in mind, a majority of the Star Health Insurance plans are designed to cover daycare procedures for policyholders.
- On a doctor’s recommendation, a policyholder can avail of medical care in the comfort of their home. Star Health Insurance plans cover domiciliary hospitalization up to specified sub-limits.
✗ Exclusions
- Star Health policies will not cover injuries or hospitalization caused by self-harm.
- Star Health Insurance plans do not cover any kinds of cosmetic surgeries or treatments.
- Star Health Insurance plans will not cover you for hospitalizations or accidents caused due to adventure sports.
- Star Health Insurance plans mostly do not cover treatments related to obesity and weight management such as bariatric surgeries.
- Star Health Insurance company plans do not cover individuals or families for hospitalization or injuries caused due to unlawful activities.
Riders Of Star Health Insurance
Add-on covers that extend your base Star Health Insurance policy.
Riders Of Star Health Insurance
Star Health Insurance plans offer comprehensive coverage. However, to enhance your health insurance experience, the insurer also offers add-on coverage.
Young Star Extra Protect
It can be paired with this additional cover to enhance the limit of your existing cover. It is available for individuals who have purchased the Young Star Health Policy with a minimum sum insured of INR 10 Lakhs. This additional rider ensures features such as:
Star Extra Protect
This additional rider is available for individuals who have purchased the following Star Health Plans: Family Health Optima Insurance/Star Comprehensive Insurance/Medi Classic Insurance (Individual), with a minimum sum insured of INR 10 Lakhs. This additional rider ensures features such as:
Documents required
For policy purchase and claim submission. Have these ready before you start.
- Duly completed and signed claim form, in original
- Valid photo-ID proof
- Medical practitioner's referral letter and prescription
- Original bills, receipts, and discharge cards from the hospital/medical practitioner
- Original bills from pharmacy/chemists
- Original pathological/diagnostic tests reports/radiology reports and payment receipts
- Indoor case papers
- First Information Report, final police report, if applicable
- Post-mortem report, if conducted
- Any other document as required by the company to assess the claim
Waiting periods
When specific benefits become claimable after policy start.
What Are The Different Waiting Periods In Star Health Insurance Plans?
Initial Waiting Period
Begins from the date of purchase and lasts for up to 30 days for most Star Health Insurance plans.
Pre-existing Disease Waiting Period
Star Health Insurance plans require you to serve specific waiting periods if you are diagnosed with PEDs such as hypertension, diabetes, or any other.
Survival Period
Like waiting periods, Star Health Insurance plans with critical illness coverage have a survival period. During this period, policyholders diagnosed with any listed critical illness must outlive the survival period to enjoy coverage benefits.
Buy, claim, renew, port — step-by-step
Step-by-step guides for the four moments that matter most in your policy lifecycle. Click a tab to switch.
If you are looking forward to purchasing Star Health Insurance online, follow these simple steps:
- Step 1
Visit the PolicyX health insurance page, and enter your details such as name, age, number of members to be covered, and city.
- Step 2
Click on 'Get free quotes' and compare Star Health Insurance Plans as per your needs.
- Step 3
Select and pay premiums online for the purchased Star Health Insurance plan of your choice.
- Step 4
Our team of insurance experts at PolicyX will provide you with all the assistance required regarding claims and other queries post-purchase of your Star Health Insurance plan.
You can file for cashless as well as reimbursement claims for your Star Health Insurance Plans by following these easy steps:
- Step 1
Visit the website of Star Health Insurance, and select the "Claim" option. Then click on "Claim Intimation" to check out the form.
- Step 2
Now select "health claim" and provide the required information, which includes the policy number, date of birth, and other details they ask for.
- Step 3
Now select the "claim type," whether you want to opt for a cashless claim or reimbursement. Click on "authorize" and you will receive an OTP on the verified number.
- Step 4
Get verified with the OTP and fill in the required hospital admission information, select the hospital, and fill in the hospital details in case of a non-network hospital.
- Step 5
Upload the documents asked and click on the "review" button.
- Step 6
After clicking on the review button, you need to submit the intimation for the company to review. You will receive a claim intimation number which you need to note down for future purposes.
Follow these steps for Star Health Insurance policy renewal:
- Step 1
Visit the official website of Star Health Insurance Company.
- Step 2
Click on the ‘Renew’ tab.
- Step 3
Mention your ‘Policy Number’ and ‘Date Of Birth’.
Connect with our insurance experts for Star Health Insurance policy renewal at 1800-4200-269.
To port your existing policy to Star Health Insurance, follow the steps mentioned below:
- Step 1
Fill out the portability form, and send the application to Star Health Insurance Company 45 days before the renewal date of your existing health plan.
- Step 2
As per the guidelines of IRDAI, the new insurance company will cross-check your medical and claims history from the previous insurer within 7 days of receiving the portability form.
- Step 3
Once the policyholder's details are verified, the new insurance company has to communicate its decision - either approval or rejection - within 15 days.
Compare and calculate the best health insurance policies with the PolicyX premium calculator using these simple steps:
- Step 1
Visit the official website of 'PolicyX'.
- Step 2
Fill in details such as name, number of family members to be covered, city, and other information.
- Step 3
Click on 'Get Quotes'.
Connect with PolicyX health insurance experts for Star Health Insurance policy premiums enquiry at 1800-4200-269.
Frequently asked questions
The 13 most-asked questions about Star Health Insurance, answered.
There are 7 types of health insurance plans offered by Star Health Insurance Company. These types are: Individual Health Insurance Family Floater Health Insurance Senior Citizens Health Insurance Critical Illness Insurance Health Insurance for pre-existing diseases Top-Up Health Insurance Corona Specific Health Insurance
If your policy is from Star Health insurance then COVID-19 will be covered, but to know more, you need to check with your insurance provider or you can read the policy documents.
Yes, Star Special Care’s health insurance policy covers Autism as well.
Yes, Star Criticare Plus Insurance Policy covers 11 critical illnesses.
Firstly, you need to go to the website and choose the health insurance policy. Then fill in all the details including insurance holder details. Now with the help of Star Health Premium calculator, you can check the amount that needs to be paid. Click on the amount and pay premiums. You can use your credit card, debit card, net banking, and other online modes to pay the premiums.
Most of the insurance by Star Health covers diseases like diabetes, cancer, cataracts, autism, kidney diseases, heart diseases, and brain tumors. There are many other diseases that are covered in the insurance policies but that depends on policy to policy.
Yes, the Star Women Care Plan is specifically curated for women by Star Health Insurance Company.
You need documents like a duly filled and signed claim form, a discharge report from the hospital or doctor, check-up reports like blood reports, x-rays, or any other scan report, consultation papers of the doctor, chemist’s invoice, police FIR report in case of accidental hospitalization, and other miscellaneous documents.
Star Health Insurance Plans offers robust and complete healthcare coverage. They understand the importance of a healthy lifestyle and encourage you to live healthier while adding benefits and wellness programs. Also, Star Health Insurance Plan covers individuals against critical illness. All the plans offer high-sum insured options, daycare coverage, AYUSH treatments, and Maternity and newborn cover amongst many other advantages.
Yes, Star Health Insurance Family Floater plans offer you to cover you and your family under a single health insurance plan.
Star Health Insurance recently launched a Super Star health plan. This flexible policy lets you customize your coverage options, including long-term benefits, future security shields, wellness rewards, and more.
As per the IRDA annual report for FY 2023-24, the ICR for Star Health is 66.47%.
Star health insurance plans offer various benefits like annual health check-ups, cashless hospitalization, OPD coverage, and more.
Compare Health Insurance Companies
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Customer satisfaction
Aggregate ratings from 2,755 verified PolicyX customers who bought a Star Health Insurance plan.
Health Insurance Premium Calculator
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PolicyX content is researched in-house and reviewed by an IRDAI-certified insurance specialist before publication.
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