Star Health Insurance

Star Health Insurance
Star Health Insurance

Star Health Insurance began operations in 2006 as India’s first standalone health insurance company. Star Health and Allied Insurance Co Ltd offer premier services in Health, Personal Accident, and Overseas Travel Insurance, as well as a variety of other sterling insurance products.

Star Health Insurance Policy

Star Health provides fantastic goods for everyone and is one of the major market players catering to various clients, whether they are individuals, families, or corporations. Star Health Insurance is heavily involved in bancassurance and has long-standing partnerships with a number of Indian banks. Star Health Insurance has become a trusted brand in India, with over 12800 workers and 640 branch offices. One of the most promising categories in which the organization works is health insurance.

Star Health Insurance provides a variety of cheap health insurance plans for individuals, families, and businesses. The plans cover the insured’s medical check-ups, AYUSH medicinal systems, critical diseases, and hospitalization costs. In addition, coronavirus coverage is now available via Star Health Insurance’s health insurance policies. The organization also provides health insurance policies for autistic children, which distinguishes its products. One of the primary benefits of purchasing Star Health Insurance plans is that those under the age of 60 do not have to pay a copayment.

They quoted: It is frequently stated that your health is your wealth. With the same conviction, we make it our goal to guarantee that your health is never jeopardized. As a result, we provide a variety of adaptable options to protect your health.

Why Choose Star Health Insurance?

Policyholders of Star Health Insurance are entitled to the following benefits:

  • Broad Coverage: Star Health Insurance plans provide financial security for you and your family in the event of disease, sickness, medical emergencies, and accidents.
  • 24-hour assistance services: The helpful professionals at Star Health Insurance are available 24 hours a day, seven days a week.
  • Treatment without payment: Star Health Insurance offers affiliations with over 9,900 network hospitals, allowing you to receive hassle-free cashless care.
  • Extra Benefits: Health insurance plans feature a variety of add-on advantages such as hospital cash, patient care, and more to assist you to obtain comprehensive coverage for a little additional fee.
  • Health Insurance Plans in Various Varieties: Star Health Insurance provides a comprehensive range of health insurance products tailored to individuals, families, and businesses.

Benefits of Star Health Insurance Plans

You may select Star Health Insurance plans to receive the following advantages:

  • A Comprehensive Network of Cashless Hospitals: Star Health Insurance has approximately 9,900 network hospitals where you may receive cashless treatment under your health insurance coverage.
  • In-House Claim Resolution: Star Health Insurance features an in-house claim settlement procedure that makes it simple and quick to resolve your claim.
  • Claim Settlement in a timely manner: Star Health Insurance claims to have resolved 90% of received health insurance claims in under 2 hours.
  • A Variety of Sum Insured Options: Star Health Insurance offers a variety of sum insured choices for its health insurance policies. You may select the appropriate sum insured for yourself and your family based on parameters like age, health history, current health, number of individuals covered under the plan, and so on.
  • Renewability for Life: Renewals of Star Health’s health insurance plans are not subject to any age restrictions. As a result, you may renew your Star Health Insurance policy at any moment during your life.

Terms and Conditions of the Star Health Insurance Policy

Star Health Insurance plans are offered with the following terms:

Entry Age91 days-65 years/no limit
Policy RenewalLifetime renewability offered
Co-PaymentFor those over the age of 60, there is a 20% co-payment on all claims at the entry-level and subsequent renewals.
General Waiting PeriodA 30-day waiting period applies beginning on the date the health insurance coverage is issued. Benefits under the policy are only available when the waiting time has passed.

What is Included in Star Health Insurance Plans?

Under Star Health Insurance’s health insurance policies, you may enjoy the following benefits:

  • In-patient Hospitalisation Expenditures: Star Health Insurance’s health insurance policies reimburse you for in-patient hospitalization expenses incurred as a result of hospitalization owing to any illness, sickness, disease, or accident.
  • Ambulance Coverage: If you require medical treatment, Star Health Insurance products will cover the cost of an emergency ambulance.
  • AYUSH Treatments: Star Health insurance policies cover charges linked to AYUSH medicinal systems. Ayurveda, Unaani, Siddha, and Homeopathy are among them.
  • Daycare Procedures: You may get treatment for daycare procedures through Star Health Insurance’s health insurance programs. These are operations that need fewer than 24 hours of hospitalization. For example, chemotherapy, radiation, dialysis, and cataract surgery.
  • Organ Donor Expenditures: Under Star Health Insurance’s health insurance policies, you are covered for organ donor expenses.
  • Pre-hospitalization And post-hospitalization Fees: Star Health insurance plans cover pre-hospitalization and post-hospitalization expenses for up to 90 and 180 days, respectively.

Renewal of Star Health Insurance

Depending on the policy duration, Star Health Insurance coverage can be renewed every 1 year, 2 years, or 3 years. Star Health insurance allows you to pay your renewal premium and keep your health insurance coverage for at least 15 days (varies per plan). To renew your health insurance coverage with Star Health Insurance, follow the steps outlined below:

  • Open the ‘Renewal’ page on the official Star Health Insurance website.
  • Fill in the policy specifics (policy number and date of birth).
  • Select the ‘Renew Now’ tab.
  • Examine the policy information and the premium that must be paid for insurance renewal.
  • Make your money online using one of the offered payment methods.

Star Health Insurance’s Cashless Claim Process

To receive cashless treatment under Star Health Insurance policies, follow the steps outlined below:

  • Find a Network Hospital: Visit a network hospital’s insurance desk. Contact Star Health Insurance by phone at 1800 425 2255 / 1800 102 4477 or by email at
  • Display your Star Health ID Card: For identification, provide your Star Health ID card at the network hospital’s front desk.
  • Submit All Necessary Documents: Submit any documentation relating to pre-admission investigations and hospital consultations.
  • Document Validation: Before processing your claim in accordance with the terms and circumstances, the physicians will review all documentation presented. If required, an appointed representative may pay you a visit to the hospital.
  • Claim Resolution: Following your release, the network hospital will send claim documentation to Star Health Insurance. The insurance will then settle the claim with the hospital immediately.

Claim for Star Health Reimbursement

To obtain reimbursement under Star Health Insurance policies, follow the steps outlined below:

  • Obtain Hospitalization: You can be hospitalized in a hospital of your choice to receive the necessary medical care.
  • Get Help and Pay Your Bills: After getting the appropriate medical care, pay the hospital’s costs. After you’ve paid your bills, file a reimbursement claim with Star Health Insurance for any medical expenditures you’ve incurred, up to the sum insured. Make sure you get all of the hospital’s medical bills.
  • Documents Required for Reimbursement of a Star Health Claim
    • During the Star Health Insurance Reimbursement Claim Settlement procedure, the following papers are required:
      • A duplicate of the Star Health ID card
      • Completed claim form
      • Pre-admission investigations and doctor’s consultation papers
      • Original hospital discharge summary received
      • Pharmacy invoices and prescriptions
      • Medical documentation (X-ray, blood tests, scans, etc.)
      • Receipts from the pharmacy and the hospital
      • A duplicate of the KYC papers
      • NEFT information, email address, and phone number
      • In the event of an accident, FIR and/or Medico-Legal Certificate
  • Complete the Star Health Claim Form: After starting the reimbursement claim procedure, you must complete a Star Health reimbursement claim form. Submit the form, along with any relevant papers, to the Star Health Insurance office closest to you or through their online portal.
  • Claim Settlement: Following the completion of all processes, Star Health Insurance will settle your claim in accordance with the terms and conditions of your policy and the sum insured specified therein. Non-payable charges must be paid out of your own money.

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