Star Health Insurance

Star Health Insurance is a huge name in the Indian health insurance sector, with an amazing 70 million loyal customers. They offer customised health i...Read More

Happy Customers

Buy Policy in just 2 mins

Buy Policy in just 2 mins

2 lakh+ Happy Customers

Star Health Insurance
Network hospital

Network hospitals

14000+

Claim settlement ratio

Claim settlement ratio

65%

Sum Insured

Sum insured

Up to 1 Cr

No of Plans

No. of Plans

36

Solvency Ratio

Solvency Ratio

2.0

Pan India Presence

Pan India Presence

850+

Customized Health Insurance Plan for you.

Get upto 15% Online Discount*

Select Members You Want To Insure

Age of Eldest Member

PolicyX Exclusive Benefits

Buy Policy in just 2 mins

Buy Policy in just 2 mins

With expert guidance from advisors

Happy Customers

2 lakh + Happy Customers

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Star Health Insurance
Simran Kaur Vij
Written By:
Simran

Simran Kaur Vij

Health and Term Insurance

Simran is an insurance expert with more than 4 years of experience in the industry. An expert with previous experience in BFSI, Ed-tech, and insurance, she proactively helps her readers stay on par with all the latest Insurance industry developments.

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Reviewed By:
Raj Kumar

Raj Kumar

Health Insurance

Raj Kumar has more than a decade of experience in driving product knowledge and sales in the health insurance sector. His data-focused approach towards business planning, manpower management, and strategic decision-making has elevated insurance awareness within and beyond our organisation.

Star Health Insurance Plans

Star Health Insurance is a leading stand-alone health insurer that started as a joint venture with Allied Insurance in 2006. Since then, the insurer has become a household name leading the insurance market.  So, what makes Star Health Insurance trustworthy? In this article, we shall explore all the essentials of Star Health Insurance. Ranging from star health plans, their key features, awards, and premiums.
With a widespread network of hospitals of over 14000 all 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 special needs individuals. 

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). 



14000+

1

Network
Hospitals

5000+

2

Claims Settled
Everyday

97%

3

Claims Settled
in 3 hours

UP TO 2 Cr

4

Sum
Insured

24X7

5

Customer
Support

What are some of the
Features
that set them apart?

  • 1

    Special health plans for autism and diabetes

  • 2

    A comprehensive wellness system to promote a healthy lifestyle

  • 3

    Emergency air ambulance services

  • 4

    International travel for treatments

  • 5

    Unlimited teleconsultations

Star health insurance awards and accolades.

  1. 'Digital Innovation of the Year (Health Insurance)' Award
  2. 'Best Social Media Customer Care' in the Financial Services Category
  3. 'e4m Pride of India - The Best of Bharat Awards 2022'
  4. Most Innovative New Product of the Year - Young Star Health Insurance Policy
  5. 'Best BFSI Brands 2019' by Economic Times
Star Health Insurance awards

Why Do We Exist?

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Best Selling Star Health Insurance Plans

Let's take a look at the list of health insurance plans that offer comprehensive protection to you and your family

  1. Individual and Family Health Insurance

    Star Health Insurance Plans Eligibility Approximate Annual Premiums
    Star Super Star Health Plan Entry Age - Individual 18 years to No limit, Floater 91 days to 25 years
    Sum Insured - Up to Unlimited
    Rs. NA

    Star Health Assure Policy Entry Age - Child: 16 Days - 17 Years, Adult: 18 - 75 Years
    Sum Insured - Up to 2 Cr
    Rs. 9762

  2. Critical Illness Health Insurance

    Star Health Insurance Plans Eligibility Approximate Annual Premiums
    Star Health Cancer Care Gold Entry Age -
    Sum Insured - Up to 0
    Rs. 27900

    Star Health for Cancer Entry Age - Minimum: 5 months to Maximum: 65 Years
    Sum Insured - Up to 5 L to 25 L
    Rs.

  3. Top Up and Super Top Up

    Star Health Insurance Plans Eligibility Approximate Annual Premiums
    Star Health Top-up Plans Entry Age - Minimum: 91 Days to Maximum: 65 Years
    Sum Insured - Up to 1 Cr
    Rs.

    Star Health Super Surplus Policy Entry Age - 18 to 65 years
    Sum Insured - Up to 5 Lakhs - 1 Crore
    Rs. 1225

  4. Accident Health Insurance

    Star Health Insurance Plans Eligibility Approximate Annual Premiums
    Star Accident Care Plan Entry Age - 18 years to 70 Years
    Sum Insured - Up to 1 L
    Rs. 7847

  5. Senior Citizen Health Insurance

    Star Health Insurance Plans Eligibility Approximate Annual Premiums
    Star Health for Senior Citizens Entry Age - 60 Years to 75 Years
    Sum Insured - Up to 25 L
    Rs.

    Star Senior Citizen Red Carpet Entry Age - 60 to 75 years
    Sum Insured - Up to 25 L
    Rs. 29535

Key Features Of Star Health Insurance

Let us take a look at some unique features of top-selling Star Health Insurance policies:

For Individual and Family Health Insurance

Star Super Star Health Plan

Star Health Super Star Plan covers a wide range of medical and non-medical healthcare expenses, offering more than 20 add-on cover options, home care treatment services, etc.

Why Do We Recommend This?
  • Avail over 5 types of discounts on premium
  • Assisted reproduction treatment
  • An air ambulance facility is available

For Critical Illness Health Insurance

Star Health Cancer Care Gold

Comprehensive protection against cancer and to existing cancer patients, including Stage 1 and Stage 2.

Why Do We Recommend This?
  • Covers existing cancer patients
  • Cashless hospitalization
  • No pre-policy check-up required

For Top Up and Super Top Up

Star Health Top-up Plans

Star top-up plans will protect your health in the event of a medical emergency after you have exhausted the sum provided by your primary health insurance.

Why Do We Recommend This?
  • Avail wellness benefits
  • Consult doctors online
  • Recharge your sum insured

For Accident Health Insurance

Star Accident Care Plan

A health plan designed to protect you from accidental death and disabilities as a result of unforeseen accidents.

Why Do We Recommend This?
  • In case of your accidental death, the plan offers an educational grant for a maximum of 2 dependent children
  • Travel expenses are covered for one relative
  • Coverage for the purchase of blood

For Senior Citizen Health Insurance

Star Health for Senior Citizens

Star Senior Citizen Health plans are exclusively designed for seniors who want to meet high medical costs by paying a yearly premium.

Why Do We Recommend This?
  • Covers daycare procedures
  • No pre-acceptance medical testing
  • Covers diseases like glaucoma, cataracts, etc.

Explore other Star Health Insurance

To cater to the different medical needs of an individual & their family, Star Health Insurance offers several Health Plans ranging from senior citizen plans to specialized plans for autistic children, to health insurance for cardiac patients, and many more. Take a look below to Star Health Insurance plans explore more:

Individual and Family Health Insurance

Star Health Insurance Company has launched one of the most revolutionary insurance plans - the Super Star Health Plan. It has the flexibility to custo...

Unique Features

  • Premium discounts
  • Freeze age benefit
  • Dental cover

Individual and Family Health Insurance

Star Health Assure Insurance Policy is a versatile 360-degree health insurance plan providing wide coverage for self, spouse, dependent children, pare...

Unique Features

  • Maternity Benefit
  • Air Ambulance Cover
  • Star Wellness Program

Critical Illness Health Insurance

The burden of medical expenses for cancer treatment can be overwhelming leaving the individuals and their families under financial strain. Star Cancer...

Unique Features

  • Stage 1 & 2 Cancer Cover
  • Specifications
  • Cashless Hospitalization

Recommended Videos

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Star Health Insurance Plan Detailed Review

All about Star Health Insurance and Plans

All about Star Health Insurance and Plans

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Why Choose Star Health Insurance?

why-choose
  • Trusted brand with loyal customers
  • A wide network of hospitals
  • Cashless anywhere even in non-network hospitals
  • Super quick claim settlement
  • Dedicated customer support
  • 1500+ in-house diagnostic centers

What is Covered?

Life Insurance

Pre and Post Hospitalization Expenses

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.

Life Insurance

AYUSH Treatments

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.

Life Insurance

Hospitalization Expenses

Star health insurance plans cover your hospital expenses like room rent, ICU charges, surgery expenses, doctor consultations, and other such expenses.

Life Insurance

Day Care Treatments

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.

Life Insurance

Domiciliary Hospitalization

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.

What is not Covered?

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Self Inflicted Injuries

Star health policies will not cover injuries or hospitalization caused by self-harm.

Life Insurance

Cosmetic Procedures

Star Health Insurance plans do not cover any kinds of cosmetic surgeries or treatments.

Life Insurance

Adventure Sports

Star Health Insurance plans will not cover you for hospitalizations, or accidents caused due to adventure sports.

Life Insurance

Obesity or Weight Control Treatments

Star Health Insurance plans mostly do not cover treatments related to obesity and weight management such as bariatric surgeries.

Life Insurance

Involvement In Illegal Activities

Star health insurance company plans do not cover individuals or families for hospitalization or injuries caused due to unlawful activities.

What Are The Different Waiting Periods In Star Health Insurance Plans?

The various waiting periods associated with Star Health plans are:

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 in case 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.

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:

  • Coverage for non-medical items
  • Enhanced limits for modern treatments
  • Home care treatment cover

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:

  • Enhanced limits for AYUSH treatments
  • Choose a deductible
  • Home care treatment

Star Health Insurance Network Hospital List

Star Health Insurance Network Hospitals are present in 31 states nationwide. With a wide network of hospitals, Star Health Insurance ensures that you are medically secured, irrespective of the city you reside in.

Star Health Insurance Plans Buying Process

If you are looking forward to purchasing Star Health insurance online follow the simple steps below:

Buying Process Health Insurance
  • 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.

Renewal Process of Health Insurance

Star Health Insurance Renewal Process

Follow the 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

Star Health Insurance Plan Claim Process Steps

You can file for cashless as well as reimbursement claims for your Star Health Insurance Plans by following these easy steps:

Claim Process of Health Insurance
  • Step 1

    Visit the website of Star Health Insurance, and select the "Claim" option. Then click on the "Claim Intimation" to check out the form.

  • Step 2

    Now select "health claim" and require the information which is 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 the authorize and you will receive the 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.

Documents Required For Star Health Policy Claim Settlement

Submit the following documents when filing for Star health claims:

  • 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
Who Should Invest In A Health Policy?
Port Policy of Health Insurance

How To Port To Star Health Insurance?

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 date of your existing health plan renewal.

  • 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.

Health Insurance Premium Calculator

PolicyX.com premium calculator offers premium comparison for some of the best health plans in India. You can input your details and check out some of the most suitable health insurance policies for your specific requirements. This is the easiest, most efficient, spam and gimmick-free way to buy health insurance today.

Health Insurance Queries

More Queries?

If you have any more queries regarding Plans, Renewals, or Claim Procedures, contact our insurance experts at:
1800-4200-269 now!

Star Health Insurance: FAQs

1. How many types of health insurance plans are offered by Star Health?

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

2. How to know whether my health insurance covers COVID-19?

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.

3. Do the health insurance policies cover Autism?

Yes, Star Special Care’s health insurance policy covers Autism as well.

4. Is there any specific plan for critical illness?

Yes, Star Criticare Plus Insurance Policy covers 11 critical illnesses.

5. How to pay the premiums of Star Health Insurance Plans online?

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.

6. What are the diseases covered in Star Health Insurance cover?

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.

7. Is there any health insurance plan for women?

Yes, the Star Women Care Plan is specifically curated for women by Star Health Insurance Company.

8. Which documents are required for a cashless claim for 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.

9. Why should I choose Star Health Insurance Plans?

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.

10. Can I cover my family with Star Health Insurance Plans?

Yes, Star Health Insurance Family Floater plans offer you to cover you and your family under a single health insurance plan.

11. What are some new Star health policies introduced recently?

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.

12. What is the ICR for Star Health Insurance for FY 2023-24?

As per the IRDA annual report for FY 2023-24, the ICR for Star Health is 66.47%.

13. What benefits can I avail with my Star Health Policy?

Star health insurance plans offer various benefits like annual health check-ups, cashless hospitalization, OPD coverage, and more.

Other Health Insurance Companies

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Simran Kaur Vij

Written By: Simran Kaur Vij

Simran is an insurance expert with more than 4 years of experience in the industry. An expert with previous experience in BFSI, Ed-tech, and insurance, she proactively helps her readers stay on par with all the latest Insurance industry developments.