Star Health Insurance

  • High sum insured
  • Hassle free claim settlement
  • Wide net of network hospitals
Star Health Insurance
premium

Network hospitals

14000+

premium

Incurred claim ratio

65%

premium

Sum insured

Up to 2 CR

premium

No. of Plans

24

premium

Solvency Ratio

2.0

premium

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

premium

Network hospitals

14000+

premium

Incurred claim ratio

65%

premium

Sum insured

Up to 2 CR

premium

No. of Plans

24

premium

Solvency Ratio

2.0

premium

Pan India Presence

850+

Star Health Insurance

Star Health Insurance, India's top stand-alone Health insurance firms that offer a wide range of health insurance plans at affordable premiums. Star Health has been a part of a joint enterprise with Allied Insurance since 2006 and offers an exceptional product range that includes health insurance, personal accident, travel insurance, corporate insurance, and much more. Since its beginning, Star Health Insurance has collected a huge number of customers who trust them and rely on them for their health insurance coverage. They are providing people like us with financial security during hard times.

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What Does Star Health Insurance Do?

The number of insurance options provided by Star Health Insurance includes domiciliary hospitalization, day-care treatments, AYUSH treatments, organ donor coverage, and much more with the accessibility to more than 14000 network hospitals. Before moving on to further information about Star Health, here are some interesting facts about it.

Some interesting Facts about Star Health Insurance.

  • The claim settlement ratio of Star Health Insurance is 99.06% as per the guidelines published by IRDAI.
  • Insurer delivers a 360-degree wellness system to their insurance holders.
  • They also offer cashless claim settlement within 2 hours, and their ratio is 90%.
  • Over the decades, they have built a robust network with more than 14273 employees and 815+ branch offices across India.

Some Of The Awards And Achievements

In these phenomenal years, Star Health Insurance has achieved a huge number of awards. Let us have a look at some of them:

  • "E4m Pride of India- The Best of Bharat Awards 2022."
  • Young Star Insurance Policy has been awarded as the "Most Innovative New Product of the Year (2020)."
  • "Best BFSI Brands in 2019" by Economic Times.
  • Was awarded as the "Best Health Insurance Provider of the Year" consecutively two times by Money Today Financial Awards.
  • Best Health Insurance Company of 2017 by CMO Asia.
  • W.H.O. Award of Excellence 2017.

A Quick Outlook

Cashless Claim Settlement Within 2 hours
Minimum Entry Age 3 Months
Maximum Entry Age 65 years/ no limit
Sum Insured Up to Rs. 2 Crores
Network Hospital More than 14000 across India
Tax Benefits Up to Rs. 1 Lakh
Solvency Ratio (2021-22) 1.7%
Claim Settlement Ratio (2021-22) 99.06%
Ambulance Expenses Covered
Coverage for Accidents From Day 1

Star Health Insurance Plans

Star Health offers a huge number of medical insurance policies. These products are specifically designed to meet all the healthcare requirements of their customers. To make each policy visible to the customers, we at Policyx have curated a list for you to choose easily.

  • Star Assure health insurance plan
  • Star Health Comprehensive Plan
  • Family Health Optima Insurance Policy
  • Young Star Insurance Policy
  • Star Health Arogya Sanjeevani Policy
  • Medi Classic Insurance Policy (Individual)
  • Star Women Care Plan
  • Senior Citizens Red Carpet Health Insurance Policy
  • Star Super Surplus Insurance Policy
  • Star Criticare Plus Insurance Policy
  • Star Cardiac Care Insurance Policy
  • Star Cancer Care Gold (Pilot Product)
  • Star Special Care Policy

Know More about Plans by Star Health

Star Health Insurance Individual & Family Plans

Comprehensive

This policy is designed to provide complete protection against all health care eventualities to you and your family.

Unique Features

  • Avail free health check-ups
  • Hospital Cash Benefit
  • 100% Automatic Restoration

Star Comprehensive Plan (Pros)

  • 99.6% CSR
  • Up to 1 Cr SI
  • Maternity Cover
  • New Born Baby Cover
  • Road and Air Ambulance

Star Comprehensive Plan (Cons)

  • No Global Coverage
  • No IVF Treatment
  • No compassionate Travel
  • HIV/AIDS not covered

Star Comprehensive Plan (Other Benefits)

  • Individual and family floater
  • Mid-term inclusion available
  • Accidental Death
  • Permanent Total Disablement
  • Star Wellness Program

Star Comprehensive Plan (Eligibility Criteria)

  • Entry Age - 3 Months
  • Max Entry Age - 65 Years
  • SI - 5 L to 1 Cr
  • Waiting Period - 30 Days

Comprehensive

The plan is ideal for the families who want to get covered under single sum insured.

Unique Features

  • Automatic Restroration of SI
  • Instant Recharge UPTO 30% of SI
  • New born baby cover from 16th day

Family Health Optima Policy (Pros)

  • No Pre-Policy Check-up
  • Lifelong Renewability
  • High SI available
  • COVID-19 cover
  • OPD covered

Family Health Optima Policy (Cons)

  • PED cover not available
  • Obesity Treatment Unavailable
  • Hazardous Activities
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable

Family Health Optima Policy (Other Benefits)

  • Long term discounts
  • Premium Payment flexibility
  • Health Check-up Cover
  • Domiciliary Hospitalization
  • Modern Treatment Cover

Family Health Optima Policy (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 1 L to 25 L
  • Waiting Period - 30 Days

Youth-specific

Created for young individuals under 40 years of age. It also offers various benefits such as discounts on renewals, incentive-led wellness programs, lowest waiting periods.

Unique Features

  • No-claim bonus
  • Hospital daily cash
  • Automatic restoration of SI

Star Young Star Policy (Pros)

  • Mid-term inclusion
  • 10% discount on early purchase
  • Star Wellness Program
  • Flexible-Premium Payment
  • 2 Plan variants

Star Young Star Policy (Cons)

  • PED waiting period
  • Obesity Treatment Unavailable
  • Hazardous Activity not covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable

Star Young Star Policy (Other Benefits)

  • Hospital Cash Benefit
  • Lifelong Renewal
  • E-opinion
  • No-claim bonus
  • Automatic Restoration

Star Young Star Policy (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 40 Years
  • SI - 3 L to 1 Cr
  • Waiting Period - 30 Days

Standard

A standard health plan mandated by IRDAI that covers all essential healthcare benefits including Ayush treatment, day care procedures, etc. for individuals and families.

Unique Features

  • Room rent up to 5K/day
  • Modern treatments covered
  • 20% rural discount available

Arogya Sanjeevani Policy (Pros)

  • Affordable Plan
  • 50% No Claim Bonus
  • Flexible Policy
  • Day Care Procedures Covered
  • Up to 25% of SI for Cataracts

Arogya Sanjeevani Policy (Cons)

  • 5% Co-payment
  • Obesity Treatment Unavailable
  • Hazardous Activity not covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable

Arogya Sanjeevani Policy (Other Benefits)

  • Lifelong Renewal
  • Road Ambulance Cover
  • Day Care Procedures Covered
  • AYUSH treatment Cover
  • Rural Discount

Arogya Sanjeevani Policy (Eligibility Criteria)

  • Entry Age - 3 Months
  • Max Entry Age - 65 Years
  • SI - 1 L to 10 L
  • Waiting Period - 30 Days

Comprehensive

A uniquely designed insurance policy that covers organ donor expenses up to sum insured, AYUSH treatments, modern treatments, and many more.

Unique Features

  • All Daycare procedures
  • Automatic Restoration
  • Domiciliary hospitalization

Medi Classic Policy (Individual) (Pros)

  • Plan Variants Available
  • Customizable Plan
  • Hospital-Cash Benefit
  • 5% Family Discount
  • Organ Donor Cover

Medi Classic Policy (Individual) (Cons)

  • 10% Co-payment
  • Obesity Treatment Unavailable
  • Hazardous Activity not covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable

Medi Classic Policy (Individual) (Other Benefits)

  • New Born Baby Cover
  • 100% Super Restoration
  • Up to 100% No-claim Bonus
  • Psychiatric coverage
  • Patient Care Cover

Medi Classic Policy (Individual) (Eligibility Criteria)

  • Entry Age - 16 Days
  • Max Entry Age - 65 Years
  • SI - 1.5 L to 25 L
  • Waiting Period - 30 Days

Flexible

Provides flexibility in terms of choosing the Sum Insured amount, premium amount, family size. It can be a perfect tax saver for you.

Unique Features

  • All Daycare procedures
  • Coverage for Modern Treatment
  • Outpatient Expense

Star Health Gain Policy (Pros)

  • Day Care Procedures Covered
  • Road Ambulance Available
  • Modern Treatments Available
  • Outpatient Benefit

Star Health Gain Policy (Cons)

  • 20% Co-payment
  • Obesity Treatment Unavailable
  • Hazardous Activity not covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable

Star Health Gain Policy (Other Benefits)

  • Up to 60k Cataract cover
  • Room Rent Cover
  • ICU Cover
  • Wide SI options
  • Flexible Premiums

Star Health Gain Policy (Eligibility Criteria)

  • Entry Age - 91 Days
  • Max Entry Age - 65 Years
  • SI - 1 L to 5 L
  • Waiting Period - 30 Days

Individual Plan

A unique health plan for individuals above the age of 50 years with no upper age entry limit. The plan comes with a high SI.

Unique Features

  • Affordable Premiums
  • Long Term Discounts
  • Automatic Restoration

Star Health Premier Policy (Pros)

  • Cataract Treatment Cover
  • 10% Health Check- Up Discount
  • High SI
  • Home Care Treatment
  • Road Ambulance Cover

Star Health Premier Policy (Cons)

  • 20% Co-pay applicable
  • Obesity Treatment Unavailable
  • Hazardous Activity not covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable

Star Health Premier Policy (Other Benefits)

  • Hospice Care
  • Pain Management
  • AYUSH Treatment
  • Modern Treatment
  • 100% Cumulative Bonus

Star Health Premier Policy (Eligibility Criteria)

  • Entry Age - 91 Days
  • Max Entry Age - No Age Limit
  • SI - 10 L to 1 Cr
  • Waiting Period - 30 Days
Star Health Insurance Specialized Plans

Women Care

A special plan designed for women, wherein women can avail multifold benefits along with the coverage to the whole family.

Unique Features

  • Coverage for Modern Treatments
  • Coverage during Pregnancy
  • Preventive Health Check Up

Star Women Care Plan(Pros)

  • Designed for Women's Care
  • Cancer cover optional
  • Bariatric Surgery Cover
  • Mid-term inclusions
  • High SI

Star Women Care Plan (Cons)

  • Obesity Treatment Unavailable
  • Hazardous Activity not covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable
  • Congenital Disease Cover

Star Women Care Plan (Other Benefits)

  • 10% long-term discount
  • 10% Air Ambulance Cover
  • Pain Management Cover
  • Assisted Reproduction
  • Automatic Restoration

Star Women Care Plan (Eligibility Criteria)

  • Entry Age - 91 Days
  • Max Entry Age - 75 Years
  • SI - 5 L to 1 Cr
  • Waiting Period - 30 Days

Senior Citizen

The plan is specially designed for those individuals who are willing to secure their old-age medical needs after their retirement.

Unique Features

  • Guaranteed Lifelong renewals
  • No Pre-acceptance Medical test
  • Availability of Instalment Facility

Senior Citizens Red Carpet Policy (Pros)

  • Individual & family floater plan
  • Flexible SI
  • Road Ambulance Cover
  • ICU cover
  • Health Check-up cover

Senior Citizens Red Carpet Policy (Cons)

  • Obesity Treatment Unavailable
  • Hazardous Activity not covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable
  • Congenital Disease Cover

Senior Citizens Red Carpet Policy (Other Benefits)

  • Flexible-Premium Payment
  • Cataract Treatment available
  • Modern treatment cover
  • No pre-policy checkup
  • OP Consultation

Senior Citizens Red Carpet Policy (Eligibility Criteria)

  • Entry Age - 60 Years
  • Max Entry Age - 75 Years
  • SI - 1 L to 25 L
  • Waiting Period - 30 Days

Top-up

The plan offers additional coverage to the policyholder in case their existing coverage is exhausted.

Unique Features

  • All Daycare procedure
  • Pre and Post Hospitalization
  • Organ Donor Expense

Star Super Surplus Policy (Pros)

  • Flexible Policy
  • Avail Long Term Discount
  • Cover family up to 2A+3C
  • Lifelong renewal
  • 2 Plan variants

Star Super Surplus Policy (Cons)

  • Includes Deductibles
  • Hazardous Activity not covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable
  • Congenital Disease Cover

Star Super Surplus Policy (Other Benefits)

  • Avail e-opinions
  • Star Wellness Services
  • Recharge benefit
  • Air Ambulance
  • No pre-policy Medical check-up

Star Super Surplus Policy (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 5 L to 1 Cr
  • Waiting Period - 30 Days

Critical Illness

Provides reimbursement of hospitalization expenses and also provides a total amount of sum insured if the insured person is diagnosed with a major illness.

Unique Features

  • Modern Treatment Covered
  • Non-allopathic Treatment
  • Coverage Medicine and drugs cost

Care Policy

A unique plan designed for cardiac care with a wide range of sum-insured options and flexible payment options

Unique Features

  • High SI available
  • 100% No Claim Bonus
  • Avail Non-Cardiac Cover

Star Cardiac Care Policy-Platinum (Pros)

  • Avail Heart Transplantation
  • Long Term Policy
  • Up to 15 L SI
  • Cardiac device cover
  • Installment options available

Star Cardiac Care Policy-Platinum (Cons)

  • Obesity Treatment Unavailable
  • Hazardous Activity not covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable
  • Congenital Disease Cover

Star Cardiac Care Policy-Platinum (Other Benefits)

  • Wellness Services
  • Angiogram Test
  • Modern Treatments
  • Pain Management
  • Health Check-ups

Star Cardiac Care Policy-Platinum (Eligibility Criteria)

  • Entry Age - 7 Years
  • Max Entry Age - 70 Years
  • SI - 5 L to 15 L
  • Waiting Period - 30 Days

Affordable Plan

It is designed to care for your incidental expenses such as travel, food, etc. that are not covered under your Health Insurance Policy in the event of Hospitalization.

Unique Features

  • Two Plan Variants
  • Individual and Family Floater
  • Affordable

Star Hospital Cash Policy (Pros)

  • 3 Years Policy Term
  • Cover up to 3 Children
  • 180 days of hospital cash days
  • Comprehensive Plan
  • Various Hospital Cash Covers

Star Hospital Cash Policy (Cons)

  • Obesity Treatment Unavailable
  • Hazardous Activity not covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable
  • Injuries due to breach of law

Star Hospital Cash Policy (Other Benefits)

  • Sickness Hospital Cash
  • Accident Hospital Cash
  • ICU Hospital Cash
  • Child Birth Hospital Cash
  • Worldwide Hospital Cash

Star Hospital Cash Policy (Eligibility Criteria)

  • Entry Age - 91 Days
  • Max Entry Age - 65 Years
  • SI - 1k - 5k
  • Waiting Period - 30 Days
Star Health Insurance Pre-existing Diseases Plans

Cardiac

Star Cardiac Care is ideal for those individuals who want to cover the expenses of cardiac & non-cardiac ailments.

Unique Features

  • Accidents and non-cardiac ailments
  • Day care procedure
  • No pre-acceptance Medical test

Star Cardiac Care Policy (Pros)

  • Flexible Product
  • Personal Accident Cover
  • 2 Plan Variants
  • Road Ambulance
  • Day Care Procedures

Star Cardiac Care Policy (Cons)

  • 10% Co-Payment
  • PED
  • Cosmetic Surgery
  • Obesity Treatment
  • Change of Gender Treatments

Star Cardiac Care Policy (Other Benefits)

  • Personal Accident Cover
  • Heart Transplantation
  • OPD expenses Cover
  • Modern Treatment Cover
  • COVID-19 Cover
  • Cataract Cover

Star Cardiac Care Policy (Eligibility Criteria)

  • Entry Age - 10 Years
  • Max Entry Age - 65 Years
  • SI - 3 L to 4 L
  • Waiting Period - 30 Days

Cancer care

Covers the risk of spreading/recurrence of first cancer (metastasis) & second cancer (second malignancy)

Unique Features

  • Pre-hospitalization (30 days)
  • All daycare procedure
  • Nursing Expense

Autism Spectrum Disorder

Star Special Care provides coverage to children (3 years to 25 years) who are diagnosed with Autism Spectrum Disorder.

Unique Features

  • No Pre-medical test
  • Nursing Expense
  • Emergency Ambulance Charges

Star Special Care Policy (Pros)

  • Modern Treatment Available
  • Day Care Procedures Available
  • Ambulance cover
  • Room rent cover
  • Shared Accommodation cover

Star Special Care Policy (Cons)

  • Obesity Treatment Unavailable
  • Hazardous Activity not covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable
  • Pre-existing Diseases

Star Special Care Policy (Other Benefits)

  • Treatment of Seizures
  • Behavioral Therapy Cover
  • Speech Therapy Cover
  • Occupational Therapy Cover
  • Adeno Tonsillectomy

Star Special Care Policy (Eligibility Criteria)

  • Entry Age - 3 Years
  • Max Entry Age - 25 Years
  • SI - 3 L
  • Waiting Period - 30 Days

Individual Plan

An individual and floater basis rural plan with SI of 1 lakh and 2 lakh respectively. Comes with installment on premiums and lifelong renewal.

Unique Features

  • Day care procedures
  • Modern treatments
  • Cataract treatment

Micro Rural and Farmers Care (Pros)

  • Designed for Farmers
  • Flexible Policy
  • Day Care Procedures
  • Flexible Payment Options
  • PED cover available

Micro Rural and Farmers Care (Cons)

  • 20% co-pay
  • Obesity Treatment Unavailable
  • Hazardous Activity not covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable

Micro Rural and Farmers Care (Other Benefits)

  • No Pre-policy medical checkup
  • Modern Treatments Covered
  • Lifelong Renewal
  • Up to 15k Cataract Cover
  • ICU cover

Micro Rural and Farmers Care (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 1 L - 2 L
  • Waiting Period - 30 Days

Individual Plan

An OPD coverage policy with an individual and family floater option and 4 SI variants. Comes with 3 plan variants: Silver, Gold and Platinum.

Unique Features

  • Diagnostics and physiotherapy
  • Pharmacy
  • Ophthalmic cover

Star Out Patient Care (Pros)

  • Cover up to 6 family members
  • 3 Plan variants available
  • Dental Cover available
  • Physiotherapy cover
  • Pharmacy cover

Star Out Patient Care (Cons)

  • Obesity Treatment Unavailable
  • Hazardous Activity not covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable
  • Breach of law

Star Out Patient Care (Other Benefits)

  • Dental Treatments Available
  • AYUSH Treatments Available
  • Ophthalmic Treatment
  • Outpatient Consultation
  • Renewal Discounts

Star Out Patient Care (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 50 Years
  • SI - 25k - 1 L
  • Waiting Period - 30 Days

Individual Plan

An accidental coverage policy for individuals and families and comes with high sum insured. The policy gives cumulative bonus and multiple discounts.

Unique Features

  • Educational grant
  • Vehicle/Residence modification
  • Imported medicines

Individual Plan

Special Care Gold is a special product tailored specifically for individuals with disabilities and those who are HIV/AIDS positive.

Unique Features

  • No pre-policy check-up
  • Affordable Plan
  • Flexible premium payment

Special Care Gold Insurance Policy (Pros)

  • HIV/AIDS Cover
  • Waiver of Co-Payment
  • Cataract Treatment Cover
  • Day Care Treatments
  • Road Ambulance Cover

Special Care Gold Insurance Policy (Cons)

  • 20% Co-pay applicable
  • Obesity Treatment Unavailable
  • Hazardous Activity not covered
  • Cosmetic Surgery unavailable
  • Injuries due to breach of law

Special Care Gold Insurance Policy (Other Benefits)

  • Pre Hospitalization Cover
  • Post Hospitalization Cover
  • Disability Cover
  • High SI
  • Modern Treatment Cover

Special Care Gold Insurance Policy (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 4 L to 5 L
  • Waiting Period - 30 Days
Star Health Insurance COVID-19 Specific Plans

COVID-19

This plan is for individuals who want to protect themselves and their families against the deadliest virus of Covid-19.

Unique Features

  • No pre-medical Test
  • Only 16 days of Waiting Period
  • Low premium amount

COVID-19

Corona Kavach Policy

It covers the cost of hospitalization if the policyholder tested positive for COVID-19.

Unique Features

  • AYUSH Treatments
  • Home Care Treatment
  • No pre-medical screening test

COVID-19

Corona Rakshak Policy

This policy offers 100% sum insured to the policyholder if he/she tested positive for COVID-19.

Unique Features

  • No pre-medical screening test
  • Sum insured: INR 50K to 2.5Lakhs
  • Only 15 days Waiting Period

Accident Plan

A new-age plan with loaded benefits covering hospitalization expenses arising due to illness or accident.

Unique Features

  • Premium Payment Flexibility
  • Wellness Program
  • Short Waiting Period

Assure Insurance Policy (Pros)

  • Second Medical Opinion
  • Health Check-up Covered
  • 100% Cumulative Bonus
  • Compassionate Travel
  • AYUSH Treatment

Assure Insurance Policy (Cons)

  • 10% Co-pay applicable
  • Deductibles
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable
  • Injuries due to breach of law

Assure Insurance Policy (Other Benefits)

  • In Utero Fetal Surgery
  • Pain Management
  • Rehabilitation Cover
  • Organ Donor Cover
  • Modern Treatment Cover

Assure Insurance Policy (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 75 Years
  • SI - 5 L - 2 Cr
  • Waiting Period - 30 Days

Individual Plan

A specified plan for Type 1 or Type 2 Diabetes with flexible plan options. Offers automatic sum restoration with accident cover.

Unique Features

  • Cataract Cover
  • Affordable Premiums
  • Flexible Payment Options

Diabetes Safe Policy (Pros)

  • Road Ambulance Cover
  • Pre and Post Hospitalization
  • ICU Cover
  • Room Rent Cover
  • Day Care Treatment Cover

Diabetes Safe Policy (Cons)

  • Obesity Treatment Unavailable
  • Hazardous Activity not covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable
  • Injuries due to breach of law

Diabetes Safe Policy (Other Benefits)

  • Dialysis Cover
  • Kidney Transplant Cover
  • Artificial Limbs Cover
  • Personal Accident Cover
  • OPD Cover

Diabetes Safe Policy (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 3 L to 10 L
  • Waiting Period - 30 Days

Platinum Plan

A cancer oriented policy which offers all-round protection and covers the high medical bills of the disease.

Unique Features

  • High SI
  • Affordable Premiums
  • Flexible Payment Options

Cancer Care Platinum Policy (Pros)

  • Cataract Cover
  • No pre-medical check-up
  • Lump Sum Cover
  • 50% Cumulative Bonus
  • Hospice Care

Cancer Care Platinum Policy (Cons)

  • Obesity Treatment Unavailable
  • Hazardous Activity not covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable
  • Injuries due to breach of law

Cancer Care Platinum Policy (Other Benefits)

  • Second Medical Opinion
  • Rehabilitation Cover
  • Pain Management
  • Day Care Treatment
  • Modern Treatment Cover

Cancer Care Platinum Policy (Eligibility Criteria)

  • Entry Age - 5 Months
  • Max Entry Age - 65 Years
  • SI - 5 L to 10 L
  • Waiting Period - 30 Days

Critical Plan

A critical illness policy providing lump sum benefit on diagnosis of Critical illnesses related to Cancer, Heart, Brain & Nervous System, and Major Organs.

Unique Features

  • High SI
  • Affordable Premiums
  • Tax Benefits

Critical Illness Multipay Policy (Pros)

  • Flexible Payment
  • Long Term Policy
  • Bone Marrow Transplantation
  • Heart Disease Cover
  • 4 Group CI Covered

Critical Illness Multipay Policy (Cons)

  • Obesity Treatment Unavailable
  • Hazardous Activity not covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable
  • Injuries due to breach of law

Critical Illness Multipay Policy (Other Benefits)

  • Open Chest CABG
  • Heart Transplantation
  • Coma of Specified Severity
  • Wellness Programs
  • Major Head Trauma

Critical Illness Multipay Policy (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 5 L to 25 L
  • Waiting Period - 30 Days

Protection Plan

Star Extra Protect is an add-on Cover that enhances the limits of existing covers in addition to offering new features to the base policy

Unique Features

  • Additional SI
  • Enhanced Protection
  • Tax Benefits

Extra- Protect Policy (Pros)

  • Enhanced Room Rent
  • Non-Medical Items Covered
  • Affordable Premiums
  • Baby Food Cover
  • Ambulance Cover

Extra- Protect Policy (Cons)

  • Obesity Treatment Unavailable
  • Hazardous Activity not covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable
  • Injuries due to breach of law

Extra- Protect Policy (Other Benefits)

  • Modern Treatment Cover
  • Oral Chemotherapy
  • Robotic surgeries
  • AYUSH Treatment
  • Home Care Treatment

Why Choose Star Health Insurance?

Star Health Insurance is one of the famous companies which is known for its vast category of Health Insurance Plans for individuals, families, senior citizens, women, and much more. Read below to understand why Star Health is the best health insurance partner for you:

  • Valuable Service Providers

    Star Health is connected with highly valuable hospitals and thus they are able to provide valuable services for you in your time of need.
  • Network Hospitals

    The network hospitals connected with Star Health provide cashless facilities by making the process of approval very quick and comfortable. Also, with the network hospitals you can get cost-effective package rates for all the medical procedures.
  • Non-Network Hospitals

    If you plan to take medical services from non-network hospitals that do not have any agreement with Star Health, then you can avail of reimbursement claims.
  • Excluded Providers

    You can get claims if any life-threatening situation or accident happens.
  • In-house Claim Settlement

    Star Health is the first Standalone Health Insurance company that settles claims with its qualified in-house team. Moreover, 90% of their claims are being settled under cashless within 2 hours and 92% of claims are settled under reimbursement within 7 days.
  • Diagnostic Centers

    There are around 1635 in-house diagnostic centers that you can access and get the flexibility of home pickup of lab samples and health checkups.
Star Health Insurance Key Features

Star Health Insurance Buying Process

There are two options to buy a Star Health plan. You can purchase Star mediclaim policy either from the brand website directly or from PolicyX.com.

Buy from the Company

  • Visit the official website of the company and click on the 'Buy Now' tab
  • Fill in all the necessary details
  • Choose a plan and make the payment
  • The insurer will send the policy documents to your registered email address.

Buy from PolicyX

  • Fill in the details in the 'Calculate Premium' form
  • The next page will show all the available plans. Choose the best Star health plan and click on 'Buy Now'.
  • Pay the premium and your policy document will be shared on your registered email.

Know What is Covered - Inclusions

AYUSH Cover

AYUSH stands for, Ayurveda, Yoga, Naturopathy, Unani, Siddha, and Homeopathy. With Star Health Insurance, you will be covered if you plan to take the medical benefits of Ayurveda.

Hospital Expenses

Hospital expenses like room rent, ICU charges, surgery expenses, doctor consultations, and other hospitalization expenses are covered.

Pre and Post Hospitalisation

Star Health 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.

Day Care Treatment

The advancement in technology has reduced the time of surgeries and treatment procedures. Therefore, keeping this in mind, their products have covered daycare treatment as well.

Domiciliary Hospitalisation

Some of the medical insurance policies by Star Health cover Domiciliary Treatments that you can take home as per the advice given by the medical practitioner.

Organ Donor Expenses

Many of the medical insurance plans by Star Health cover Organ Donor Expenses as well. If there is a need for organ transplants by the policyholder, it will also be covered.

Road Traffic Accidents

The most unpredictable incidents in life are accidents. The insurance policies that are mediclaim plans cover in-patient hospitalisations which is required due to accidents. Now you do not need to worry about the financial burden occuring due to accidents.

General Health Check Up

Not only hospitalization, but Star Health also provides other benefits as well. The mediclaim policies also cover the expenses incurred due to general Health Check-ups.

What is not Covered?- Exclusions

Self-Inflicted Injuries

If the injury happens due to self-harm, then it will not be covered.

Obesity or Weight Control

Medical insurance policies do not cover the expenses due to the measures or treatments taken in controlling obesity.

Dental Treatment

Most medical insurance plans do not cover dental treatment costs unless it happens due to accidental reasons.

Cosmetic Measures or Plastic Surgery

If you are planning for tummy tucker therapy to look smarter, then it a disappointing to tell you that the policy does not cover any kind of cosmetic or plastic surgery.

Hazardous or Adventure Sports

The mediclaim policies will not cover the expenses that might happen because of any complication while indulging in hazardous or adventure sports activities.

Other Medical Aids

The insurance policies by Star Health will not cover the cost of several medical aids like spectacles, hearing aids, wheelchairs, Walkers, crutches, and other similar aids.

What is the Waiting Period in Star Health Insurance?

The waiting period for Star Health Insurance is a certain time period where you need to wait before claiming a health insurance policy. In simple terms, the company incurred some kind of time period, maybe it is 30 days or 1 year, in between you have to pay the premiums but you cannot go for the claim process. However, it depends totally on the policy you choose or any pre-existing disease is there. There are several types of waiting periods, such as:

  • First 30-day waiting period

    This is the initial waiting period or cooling period that applies to most health insurances.
  • Pre-existing diseases (PEDs) Waiting Period

    If you are suffering from any pre-existing diseases, then it becomes necessary to complete a specific waiting period which will be decided at the time of decision-making.
  • Disease-specific Waiting Period

    Some of the diseases like Cataract, ENT, Hernia, and much more have a specific waiting period to offer.
  • Waiting Period for Maternity Expenses

    Many insurance policies put a waiting period before you can claim for maternity expenses under the Health Insurance Plans.

Factors To Consider While Buying A Health Insurance Plan

Star Health and Allied Company is working every day to design the product which will make sure that your health-related expenses are covered. But there are a few things that you need to make sure while purchasing the health insurance plans for yourself.

  • Understand your Healthcare Needs

    You must evaluate your healthcare requirements like age, existing medical conditions, frequency of doctor's visits, and what medical treatments you need.
  • Understand Coverage Options

    Ask questions to familiarize yourself with the different plans like family plans, employer-sponsored plans, critical illness plans, senior citizens plans, and much more. Every plan offers different coverage limits and benefits.
  • Network Coverage

    Check the list of in and out coverage hospitals included in your insurance plan coverage. It is essential to choose a plan with a broad network.
  • Review Cost and Affordability

    You must evaluate the premiums, deductibles, and co-payments. Compare the cost of different plans, and choose the best for you.
  • Examine the Benefits and Services

    Check out the benefits and services offered by every plan before choosing for yourself. Access the coverage for hospitalization like whether it covers enough services for your needs in the future. Look for the additional benefits of modern and alternative treatments.
  • Read the documents

    Go through the documents before purchasing the one for you. Pay keen attention to every small detail on inclusions and exclusions and other things. Understand the process of claim settlement and the process of filing complaints.

Why Choose Online Procedure to Buy Mediclaim Policy?

Getting a medical insurance policy online from Policyx or directly from the company is full of benefits. Read below to know more.

  • Easy to Compare

    Online platforms give access to compare different Star Health plans at the same place. You can pick the right one for you while comparing the premiums.
  • Buying Insurance within 5 minutes

    At an online platform you can choose and buy your policy within 5 minutes, without any hustle and bustle.
  • 24*7 Customer Service

    The experts are always at your service. No matter what the time is, you can contact them any time to clear your doubts.
  • Instant Quote

    With online accessibility, you can get quotations with one click. You can collect several quotes and choose the right one for you.

Benefits of Purchasing at an Early Age

Although, there are no specific age criteria for buying health insurance plans. But buying insurance at an early age is highly beneficial. Read below to get to know why buying health insurance at an early age is beneficial.

Benefits of Purchasing at an Early Age

Your premiums will be less at an early age.

Benefits of Purchasing at an Early Age

At an early age, a continuous cover with renewals will help you to go out with the waiting period.

Benefits of Purchasing at an Early Age

No medical test is required if you purchase health insurance at an early age.

Benefits of Purchasing at an Early Age

You can avail a no-claim bonus for every claim-free year.

Benefits of Purchasing at an Early Age

You do not need to share your medical bills as the co-payment is not applicable in this case.

How to Renew Health Insurance Policy?

  • Step 1

    Check the website, and click on the renew tab.

  • Step 2

    Enter your policy number and date of birth.

  • Step 3

    Choose your plan and sum assured. Then you need to click Calculate and proceed.

  • Step 4

    Choose your payment method and proceed.

How to Claim?

These are the steps you need to know for filing your claim. Filing a star health insurance claim will become very easy if you choose the best and easiest way. That is why we have jotted down the steps you should follow to file a claim.

Star Health Insurance offers 2 methods of claim settlement- Cashless in house Claim settlement, and Reimbursement claim settlement. Let us discuss each one by one.

  • Cashless In-House Claim Settlement

    Star Health follows one of the best claim settlement processes. In this process, you can directly reach out to the company for your health insurance claim settlement. This is a cashless process, in which the payment is directly made to the network hospital.
  • Reimbursement Claim Settlement

    In this claim settlement process, you can pay the amount after taking the healthcare services, and the insurance company will pay you later when you file for the claim settlement.

Steps to Follow for Claim Settlement

  • 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.

Claim Process

Once you submit the claim intimation, the company will start their work of verification. They might assign a field doctor if required for this process. After completing the verification process, you will get the claim immediately.

Documents required while filing the claim

While filing the claim you need to keep these documents handy. Read below to know more:

  • Duly filled claim form.
  • Original bills, receipts, and discharge papers from the medical institutions.
  • Bills and prescriptions from the chemists.
  • Receipts and investigation test reports from the pathologists, medical practitioners, and surgeons as per the service taken.
  • Nature of operation performed and surgeon's bill and receipts.
  • Self-declaration/MLC/FIR in case of accident.
  • Payment details, and the mode of payment you have opted in case of reimbursement.

Calculate Star Health Insurance Premium

Here are some Star Health premium charts for you to understand the calculation of Star health mediclaim policies. You can explore all the aspects involved in premium calculation with the help of Star insurance premium calculator.

Family Health Optima

AGE 26

26 years 2 Adult 2 Adult+1 Child 2 Adult+2 Child Average Premium
5L 11,150 13,710 16,275 13,711
10L 13,935 17,140 20,345 17,140

Star Comprehensive Policy

AGE 26

26 years 1 Adult 2 Adult 2 Adult+1 Child 2 Adult+2 Child Average Premium
5L 7,015 10,420 13,170 14,800 11,351
10L 9,725 15,560 19,110 20,920 16,329

Senior Citizens Red Carpet

Policy Term 1 Year 1 Adult 2 Adult Average Premium
10L 18,000 38,250 28,125
15L 29,205 49,650 39,428

Star Health Top-Up Plans

One of the very specific features of Star Health Insurance company is known as Top-up plans. Currently, the company is offering two variants with two plan options for each:

  • Star Super Surplus Insurance Policy (Individual)- Gold Plan & Silver Plan
  • Star Super Surplus Insurance Policy((Floater)-Gold Plan & Silver Plan

These plans have their own benefits and features, which you can avail of by paying regular premiums. You can calculate your premiums at Star Health Premium Calculator or you can contact Policyx experts to know more.

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.

Choose Policyx for all your Star Health Insurance Related queries. We are:

  • IRDAI Approved:

    The Insurance Regulatory Development Authority of India (IRDAI) is a regulatory body created to protect the policyholder's interest. PolicyX.com follows all the guidelines and protocols approved by the IRDAI.
  • Free Comparison Service:

    With PolicyX.com, you can easily compare the best Health Plans in India without paying the extra amount.
  • Compare 15 Companies in 30 Seconds:

    With us, you can compare up to 15 companies in just a few seconds.
  • Buy Insurance withing 5 mins:

    With PolicyX.com, you can buy your policy online without any hassles. We offer an easy 4-step online buying process that allows you to buy your policy without any troubles.
  • 24*7 Customer Service:

    The experts of PolicyX.com are always available to resolve any of your insurance-related queries.
  • Free Future Claim Assistance:

    Our team will assist you at every step of your claim process. Be it claim intimation, documentation, or any other process, we are always there to help.
Why Should You Buy the Star Health Insurance Plan from Policyx.com?

End Note-Contact Details

Star Health is a dedicated insurance company that works 24*7 for customer case support. They make sure to resolve all the customer queries, no matter what time.

Star Health & Allied Insurance Co. Ltd, No.1, New Tank Street, Valluvarkottam High Road, Nungambakkam, Chennai - 600 034

support[at]starhealth[dot]in

1800-425-2255/1800-102-4477

For branch-wise contact details you can read more about Star Health Insurance customer care.

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.

Other Health Insurance Companies

Compare Star Health Insurance mediclaim policies with other top insurers in India.

Star Health Insurance Reviews

Read what our customers have to say about Star health insurance company and Star health mediclaim policy.

Customer Review Image

Neelam Sharma

Bengaluru

May 10, 2024

Star health has been my health insurer for more than 2 years and I am happy. Thanks to PolicyX for suggesting me Star Health

Customer Review Image

Adi Kukreja

Jalandhar

May 10, 2024

My wife fell ill and was diagnosed with jaundice, due to which she had to be hospitalised for a week. But Star’s Family Health Optima Insurance Plan helped me pay the bill and PolicyX mad...

Customer Review Image

Abhi Raj

Kanpur

May 10, 2024

As a woman, I want independence from future medical bills. And it comes from health insurance. So, I got Star Women Care Insurance Policy, and PolicyX helped me with the buying process.

Customer Review Image

Shakti Pokhriyal

Ahmedabad

May 10, 2024

I recently got married and is planning to buy a health insurance, so I asked PolicyX for the best plan, and they suggested me Star Comprehensive plan. Truly the best plan which covers me, my wi...

Customer Review Image

Rahul Pant

Coimbatore

May 10, 2024

My parents were getting old, so I thought to gift them a health insurance policy this year. PolicyX suggested Red Carpet Health Insurance Policy, and this is the best choice for my parents.

Customer Review Image

Simran

Jamshedpur

April 8, 2024

I am impressed by Star Health reward features and want to be associated with the insurer for a long time

Customer Review Image

Dinesh

Belgaum

April 8, 2024

I required emergency hospitalization on my family trip to a remote city and PolicyX helped me find the nearest network hospital of Star health insurance

Customer Review Image

Nitika

Jalandhar

April 8, 2024

My grandparents are over 60 years old and I wanted to look for the best senior citizen health plan for them when PolicyX introduced me to Star Red Carper Health policy

View All Star Health Insurance Reviews

Simran Saxena

Written By: Simran Saxena

An explorer and a curious person, Simran has worked in the field of insurance for more than 3 years. Traveling and writing is her only passion and hobby. Her main agenda is to transform insurance information into a piece that is easy to understand and solves the reader’s query seamlessly.