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Star Health & Allied Insurance Company has commenced its operation in 2006 with the aim of offering quality healthcare products at an affordable price. The company deals in Health Insurance, Overseas Mediclaim Policy and Personal Accident cover. The company is offering great products and its core focus is on service excellence, design products and use core competency of innovation to provide the best to its consumers. And as a company, single-mindedly dedicated to health insurance. The company has built a promising path for future with a capital base of Rs.1050 crores. It come out as an India’s first stand-alone Health Insurance Company, dealing in personal accident, medi-claim and overseas travel insurance.
Star Health believes in using the resources to focus on providing excellence in service, design products and use core competency of innovation to deliver the best to their customers. Being India’s first standalone company in the health insurance industry, it deals in various kinds of health insurance policies, medi-claim and overseas travel insurances plans keeping in mind the comfort and suitability of the nation-wide clients.
Established in 2006, the company has progressed by leaps and bounds in just under a decade and has shown exceptional progress as compared to other general insurance companies being in the industry from decades. Raising a benchmark in the health insurance sector, Star Health has become one of India’s most trusted specialist companies for health insurance. It has its presence through more than 290 branch offices across pan India working dedicatedly towards providing the best of policies to their valuable customers. With a vision to become the largest and most preferred Health Insurance company in India, it provides help and assistance to its customers through help lines, call centers and online medium.
The Star Health Insurance has built up an effective grievance redressal mechanism for the customers to deal with them in an open and transparent manner and help them with better services. They enable customers to know claim status within 3 days of receipt of documents; they aim to make the services more visible to a greater audience.
In order to make their services more accessible, Star Health Insurance share regular communications through mails and brochures giving information about the products and services they have to offer. Making life convenient for the customers, the policy holders receive renewal notice 15 days before expiry of policy and provide pre authorisation for cashless facility within 4 hours from receipt of the request.
The company has been awarded with numerous awards and accolades and is ranked among India’s top health insurers. Awarded as the Health Insurance Company of The Year 2015 under the Indian Insurance Awards 2015, it further aims to provide financial security for health care management to a larger user base in the country. Providing comprehensive financial protection against various medical emergencies, the plans and policies under the company are one of the most sought after and trusted in the country. The company further plans to expand the product line and services in the health sector on a continuing basis to serve the audience with the best of everything.
As the Star Health and Allied Insurance Co Ltd deals in the health sector only, therefore the insurance plans are specifically related to health only with a wide range of options on the platter. Defining the aim of a health insurance policy, it is a coverage against the heavy medical expenses an individual is about to bear in the future. Major costs of hospitals, medications and other health related issues are covered under the policy selected by the policy seeker accordingly.
Star Health issue policies on individual health, personal accident and overseas mediclaim policies to their customers and also educate a wider public about the multiple options available under the products and services offered by the Star Health Insurance Company. Having a clear awareness of the needs of the people, they have curated their plans to suit general and major situations related to health.
Many policies offered by the Star Health insurance also provide personalized doctor visit for the policy holders getting hospitalised in order to get a clear picture of the current conditions and the disease. The policies range from Family Floater Schemes to Senior Citizen Health Coverage and much more.
Star Health Insurance claims of hassle-free and customer-friendly direct claim settlement without intervention of TPA. Building and maintaining an enduring relationship with customers, the policies are designed with a special care for providing prompt, courteous and quality service to the customers. Below is the list of all health insurance plans by Star Health Insurance Company:-
Family Health Optima Insurance Plan is a single policy that offers wide coverage to the insured and his family at an affordable price. It offers extra sum assured which is popular as auto recharge without any additional cost. It will also provide free health checkup for the whole year.
Key Features
| Sum Insured | 3 Lakhs to 25 Lakhs |
| Renewability | Lifelong |
| Co Payment | Co-payment of 20% applicable only in respect of persons with entry age above 60 |
| PolicyTerm | 1 year |
| Eligibility | 18 to 65 years |
An effective health insurance policy that is especially designed for the old people who lies in the age group of 60 to 75 years. Needful consumers can easily avail this plan as it is ready to purchase without any pre medical test.
Key features
| Sum Insured | 1 to 10 lacs |
| Renewability | Lifelong |
| PolicyTerm | 1 year |
| Co Payment | 30% for normal claim and 50% for people with preexisting disease |
| Daycare treatment | Upto a specified limit |
Star Comprehensive Insurance Policy- One more effective health insurance plan that offers outpatient expenses and in-patient expenses. The policy is providing exhaustive benefits for the whole family that will surely reduce your health related worries. This will plan will assist you a lot I reducing the financial burden.
Key features
| Entry age | 18 to 65 years alongand defendant children of 3 months to 25 years |
| PolicyTerm | 1 year |
| Sum Insured | Rs. 5 to 25 lakh |
| Co Payment | 10 percent* |
| Renwability | Life long |
Medi Classic Insurance from star Health is a policy that provides for reimbursement of hospitalisationexpenses incurred as a result of illness/disease/sickness and/or accidental injuries, so that you can keep your dreams alive.
Key features
| Sum Insured age | Rs.1.5 lakh to 15 lakhs |
| Entry age | An infant of 5 months to 65 years |
| Policy Term | 1 year |
| renewability | lifetime |
This effective health insurance plan allows you the flexibility to insured about choosing the sum assured amount that you need, premium that you can pay from your budget and a perfect tax saver. You can buy the same on individual and floater basis as well.
Key features
| Sum Insured | 91 days to 65 years |
| Renewability | Life time |
| Policy Term | 1 year |
| Sun Insured range | Rs. 1 Lakh to 5 lakh |
| Cooling off period | 30 Days |
An effective health insurance plan at an affordable premium. You can easily enroll yourself or your loved one under the same without any ore acceptance report. Amount paid by any mode other than by cash for this insurance is eligible for relief under Section 80D of the Income Tax Act.
Key features
| Sum Insured | R.3 lakh to 10 lakh |
| Renewability | Life Long |
| Entry age | 18 years to 25 years along with dependent children of age 3 month to 25 years |
| Policy term | 1 Year |
| Co-Pay | For people of age 60 and above is applicable for a 10% co pay |
*10 percent of claimable expenses for individuals with entry age 60 years
A form of health insurance plan that insurance against diabetes for both 1 or 2 type of diabetes. There will get be no pre- acceptance medical screening. Moreover the donor expense against kidney transplant will be liable for get cover.
Key features
| Sum Insured | Upto 10 lakh |
| Waiting perod | Vary from plan to plan |
| Restoration | Automatic restoration of entire sum insured |
| Daycare procedures | Upto 400 |
| Policy Term | 1 Year |
Star Cardiac Care Insurance Plan is an effective form of Health Insurance policy that provides cover against all types of expenses related to the treatment of insured. This policy is for people who have undergone for the first time the named surgery / intervention / correction for the existing Cardiac diseases.
Key features
| Entry age | 10 years to 65 years |
| Renewability | Lifetime |
| Sum Insured | Sum Insured Rs.3 lakh and Rs. 4 lakh |
| Policy term | 1 year |
| Co pay | 10* |
*10 percent of claimable expenses for individuals with entry age 60 years
It is an insurance plan (on pilot basis) for Cancer affected lives covering risk of recurrence/ Spreading of Cancer (metastasis) / Second cancer (Second Malignancy) unrelated to first cancer.You are advised to select an appropriate Sum Insured as once opted you may not be allowed to change.
Key features
| Entry age | 5 months to 65 yeas |
| Waiting period | 30 months |
| Sum Insured | Up to 500000 |
| Grace period | 30 days |
| Co pay | 10 %* |
*10 percent of claimable expenses for individuals with entry age 60 years
Star Net Plus offers lump sum amount to the insured if he/she declared as AIDS patient under section 1 and in section 2 you will get in patient hospitalization cover. It is the first of its kind health insurance plan who are already infected with human immono virus.
Key features
| Sum Insured | Up-to 50000 |
| Medical screening | Required |
| Waiting period | Within 90 days of commencement |
| Annual premium | Up to 4000 |
| Entry age | No age limit |
Star Care is a health insurance plan that provides protection for individuals as well as the entire family, on the payment of a single premium under a single sum insured. The Single Annual sum insured of Rs.1,00,000/- covers all your family members, if it is a floater policy.
Key features
| Entry age | Up to 25 years |
| Renewability | Life-long |
| Sum insured | Upto 2 lakhs |
| Policy types+ | Individual and floater |
| Network hospitals | 8400+ |
Star CriticarePlus Insurance is a policy that aims to offer reimbursement of hospitalizationexpenses incurred as a result of illness/disease/ sickness and/or accidental injuries and also provides a lump sum amount in case the insured person is diagnosed with a major illness as listed in the policy for the first time during the policy period.
Key features
| Sum Assured | Up to 10 lakhs |
| Renewability | Lifetime Policy |
| Co- payment | 30 %* |
| Entry age | Up to 65 years |
| Premium | From INR 3750 to 35350 |
*Terms and conditions apply
Star Family Delite Insurance Policy” – a policy which offers protection at affordable cost for the entire family under a single amount.Hospitalisation Cover protects the insured for in patient hospitalisation expenses for a minimum of 24 hrs.These expenses include room rent,nursing and boarding charges, Surgeon, Anaesthetist, Medical Practitioner, Consultants, Specialist Fees,Cost of Medicines and Drug.
Key features
| Entry age | Up to 65 years |
| Sum insured | Up to 3 lakh |
| Medical screening | Required for people with age above 50 years |
| Renewability | lifetime |
| Premium | From Rs.2800 to Rs.33100 |
This policy specially designed to provide medical insurance cover for children diagnosed with Autism disorder. The expenses incurred on treatment of certain procedure and/or treatments are payable up-to the limits
Key features
| Sum Insured type | Individual |
| Sum insured | Upto 300000 |
| Policy term | 1 Year |
| Pre acceptance medical Screening | NA |
| Co pay | 20 % of every claim |
*Terms and conditions apply
With a capital base of Rs.985 crores, Star Health has reached new heights having started in 2006 to present. Being new in the market of insurance compared to other general insurance companies and specifically catering to health industry, Star health Insurance has shown a landmark success in a short time span.
The company has been awarded with numerous awards and accolades and is ranked among India’s top health insurers. Awarded as the Health Insurance Company of The Year 2015 under the Indian Insurance Awards 2015, it further aims to provide financial security for health care management to a larger user base in the country. Providing comprehensive financial protection against various medical emergencies, the plans and policies under the company are one of the most sought after and trusted in the country. The company further plans to expand the product line and services in the health sector on a continuing basis to serve the audience with the best of everything.
Beating 28 general insurance companies at the Indian Insurance Award, Star Health was awarded as the ‘Claims Service Company Of The Year, 2014’ along with being rated the Best Claim Settlement Insurer by Hindustan Mars Survey. Each policy covers more than 7800 networked hospitals across India with benefits like cashless hospitalization and remboursement facility too. They boosts of a SRMS portal dedicated to monitoring the grievances registered on the Integrated Grievance Management System (IGMS)as a redressal forum to inform customers about the availability of insurance ombudsman and more. They have shown good results in the past few years and strive to perform the best in the future too.
| Features | Specifications |
| Network Hospitals | 8200+ |
| Waiting Period for Pre-existing Disease | 4 Year |
| Incurred Claims Ratio | 60.51% |
| Number of Policies Issued | 2579591 |
| Grievances Solved | 98.72% |
| Renewability | Lifetime |
Star Health Insurance plans covering a wide range of things and they vary from plan to plan. Still there are some basic cover that you will get in almost every health insurance plan by star health insurance company.
To log into the Star Health Insurance website, you have to register yourself under the same and for it you have to provide your name, phone, email, and password. You can login with your registered email ID and password. With the online present you will be able to do.
There are two modes of getting claim amount- cashless &Reimbusrement
Cashless Claim: Under the same, you have to visit the hospital that should be present in the list of networkhospitals provided by your insurer to you. Inform the insurance company within 24 hours of unplanned hospitalization. And 48 hours of a planned one. You can do the same by calling on the toll free number.
It’s time to show your Star Health ID at the network hospital help desk. The hospital will first check your identity details and then submit a duly-filled and signed pre-authorisation request form to the insurance company.
Star Health will appoint a doctor to verify the pre-authorisation request and send an approval letter to the hospital.
Aftergetting the required details the hospital will proceed with the cashless treatment for the insured member.
In situation where the cashless facility get denied, the insured member can get treated and file for a reimbursement claim after discharge.
Reimbursement Claim: Star Health will provide a panel of doctors to make hospitalisation easier for the insured. All claim intimations have to be made within 24 hours of hospitalisation. Reimbursement facility can be availed at network as well as non-network hospitals.
Under the same, you have to first settle all the hospital bills at the time of discharge on your own and collect all the original documents such as discharge summary, prescription, medical bills, hospital bills, pharmacy bills, etc.
After that file a reimbursement claim form along with the original medical documents at the nearest Star Health branch office within 30 days of discharge.
On successful verification you will get approval, the claim amount will be sent to the insured.
It is vital for all customers to go through the policy document to get to know about all inclusions and exclusions of their plan while buying the same. It will help you a lot in avoiding the chances of rejection at the time of claim settlement. Star Health and Allied Insurance application form, policy document, brochures, pre-authorization form, and KYC form are available on the website.
The online premium calculator available on our portal allows you to get an estimate about the insurance premium calculation of your chosen health insurance policy. Visit the web page click on the chosen plan. For example, if you decided to invest in a Family Insurance Plan, you have to provide the basic details such as how many adults and children you want to insure under the scheme, enter the sum insured amount, the date of birth of the eldest member of your family, pincode, etc. Once you are done with providing all essential information, you will get the estimation about the insurance premium for the chosen policy.
Star Health and Allied Insurance has anenthusiastic claims helpdesk who are ready to resolve the claim-related queries of its customers. You can easily get the helpdesk number and contact details on the on the insurance company's website. The grievances will be acknowledged within hours of registration of complaint.
Address: The Manager - Customer Care, Star Health & Allied Insurance Co. Ltd, No.1, New Tank Street, Valluvarkottam High Road, Nungambakkam, Chennai - 600 034
You can take help of email ID and toll-free numbers as well.
You can submit your queries online through the insurance company’s website. As one of the largest health insurance companies in India, Star Health and Allied Insurance takes care in redressing the grievances of its clienteles.
1. What is a health Card?
A health card is a card that comes along with the Health Policy. It is similar to an Identity card. This card would entitle you to avail cashless hospitalization facility at any of our network hospitals. A health card mentions the contact details and the contact numbers of the TPA.
2. How do I renew my policy after 1 year?
The company would send you a renewal notice informing you of the expiry of your health policy via courier. However the Company is under no obligation to send renewal notice and its absence thereof shall not tantamount to deficiency in services. Hence Customer has the prime responsibility to renew his policy.
3. What is a cashless hospitalisation?
In the event of hospitalization under normal circumstances, the patient or their family will have a bill to pay the hospital. Under Cashless Hospitalization the patient does not settle the hospitalization expenses at the time of discharge from hospital. The settlement is done directly by Star Health Insurance.
4. How many claims can I make in a year?
Any number of claims is allowed during the policy period. However the sum insured is the maximum limit under the policy.
5. What about tax exemption?
-Premium paid under the Health insurance Policy is exempted from Income Tax under section 80D of the Income Tax Act up to Rs.15,000 for individual covering his family and dependant Children.
-In case the proposer intends to cover his parents under medical insurance, he is eligible for a deduction of another Rs.25,000 under section 80D.
-In case the age of parent to be covered is above 65 years, the deduction available is Rs.30,000 under section 80D.
6. What about tax exemption?
Under this, one single policy takes care of the hospitalisation expenses of your entire family. Family Floater Health Plan takes care of all the medical expenses during sudden illness, surgeries and accidents.
7. Is a medical checkup mandatory before buying a health policy?
A medical checkup is necessary for a new health insurance policy for customers above the age of 50 years. Medical checkup is not required only for Senior citizen policy offered to people between 60 years to 69 years. Please check the plan terms and conditions before selecting.
Linking Of Aadhaar With Insurance Policy Is Mandatory, Says IRDA
November 13, 2017
On Wednesday, 8th Nov 2017, the Insurance Regulatory And Development Authority Of India (IRDA) said that the linking of Aadhar number with insurance plans is compulsory and asked insurance companies to implement the statutory norms.
“The Authority clarifies that, linkage of Aadhaar number to insurance policies is mandatory under the Prevention of Money Laundering (Maintenance of Records) Second Amendment Rules, 2017,” the IRDA said.
In the last June, the government of India had informed about the Prevention of Money Laundering (Maintenance of Records) Second Amendment Rules, 2017, making Aaadhar and PAN/Form 60 compulsory for getting financial services that include insurance also and asked policyholders and companies for linking the existing policies with the same.
In a discussion with all life and general insurance companies, IRDA said the rules have “statutory force” and they have to implement the rule without waiting for the further instructions.
Right now, there are 24 life insurers and 33 general insurance companies operating in the country.
Although, there are no deadlines that have been given by IRDA for the completion of the process, as per the circular, it has to be done as soon as possible. Some insurance companies also said that this can also result in the delay of payout in a few cases. Aadhaar is now also compulsory for financial transactions of Rs 50,000 and above. Likewise, one has to link one’s Aadhaar number with the mobile number latest by February 6, 2018.
Star Health Insurance Company: Reports Rs 2,000 Cr Premium In 2015-16
April 12, 2016
On Friday, Star Health and Allied Insurance registered a growth in premium by 36 percent that is around Rs 2,000 crore during 2015-16. The country’s first individual health insurance company had clocked Rs 1,470 crore worth of premium in 2014-2015.
“Star Health Insurance has crossed Gross Written Premium target of Rs 2,000 crore for 2015-16, registering a growth rate of more than 36 percent for the year,” the company said in a statement. As per the insurance company, new business premium stood at Rs 500 crore in the last financial year.
The Chennai-based company covers a total of 69 lakh customers. It has a capital base of Rs 549 crore, 300 branch offices and more than 7,600 network hospitals to serve its customers across the country.
November 30, -0001
No problem while buying it was easy.Hope claims process also will be fast and easy.
I got the Family Health Optima Insurance Plan from the Star Health Insurance for a while. I pay a premium of 5500.
I am renewing it for past 3 years online & its best.I never had any issues with their services.
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My mediclaim policy expired on 28.10.2018 with Star health. I am of 62 years (20.03.1056) and like to buy a medicalim policy for 25 lacs. Can you suggest the best company which offers the policy covering all conceivable diseases and accidents with assured amount of Rs.25 lacs.
Hi my wife is now 8month pregnancy now I apply for health insurance means it's fine to get maternity insurance it is possible or not pls help and inform me
Want to buy new heath insurance for my family my daughter aged 4 yrs had pre existing nephrotic syndrome is she eligible for taking the policy. Of yes send me the quotation.
What is the usual cost of health insurance policy for parents. My parents are 60 and 58 years old.
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