Explore everything about Star Health, Benefits & Types of Plans, Exclusions, Buying Process, Renewal Process, Claim Settlement Process and Documents
Star Health & Allied Insurance Co. Ltd. is a name synonymous with providing quality healthcare facilities. The company started its operations in 2006 as India's first Standalone Health Insurance provider. The main aim of the company is to provide health insurance at low-cost rates and make it available for every segment of the population.
The company ensures to cater to everybody's medical needs, be it individuals, families, or senior citizens, and offers excellent plans that give extended coverage to you and your family.
The company deals in Health, Personal Accident, and Travel Insurance. It has achieved service excellence and always comes out with innovative products for delivering the best to its customers.
With its hard work and commitment towards providing the best services to its customers, the company has achieved many awards and accolades, which shows its dedication and determination.
Few Awards and Recognitions of Star Health in the Last 5 Years
In today's time, when the healthcare sector has been immensely affected by inflation, it has now become a necessity to have a good health insurance plan that caters to you and your family's healthcare needs and at the same time does not burn a hole in your pockets.
The Indian insurance market is loaded with several health insurance companies that offer customer-friendly and affordable insurance products. Choosing the right health plan for your and your family is not child's play. Several factors such as network hospitals, market share, affordability, claim support, etc. needs to be kept in mind for ensuring complete financial coverage in the time of need.
Keeping all these factors in mind, we at PolicyX.com created a list of all the 29 companies operating in the health insurance industry and found out that Star Health was topping the list.
Take a look at the Key Features for a clearer picture to help you answer this question
Choosing an ideal health insurance company out of a pool of 29 is not an easy feat. With the increased competition among insurance companies, a prospective consumer may get confused thinking every company offers the same facilities and benefits, and end up choosing the wrong health plan.
The company offers a range of comprehensive health plans at affordable premium amounts. With its dedication and customer-centric approach, it is excelling in the world of Health Insurance Providers.
Let's discuss the key features:
Key Features:
Cashless Hospitals | 10,200+ |
Solvency Ratio (2019-2020) | 1.69 |
Market Share (2019-2020) | 6,718.99 Crores |
Claim settled within 3 months (2019-2020) | 99.9% |
No. of Branches | 640+ |
Let us understand the above-mentioned features in detail:
Suppose your child gets severely ill at midnight, and you have to roam here and there to find an empanelled hospital or even if you get your child admitted to a non-network hospital, you don't have that much cash with you at the time of emergency. At that time, even having health insurance will be worthless.
Doesn't the mere thought scare you?
But with Star Health, you don't have to worry about any such situations. With more than 10,200 network hospitals in list, it has the highest number of network hospitals available, where you can avail yourself a cashless facility and your company will settle all your medical expenses without you worrying about the expenses.
Network Hospitals of Top 5 Health Insurance Companies
** Data from IRDAI Annual Reports 2019-20
You can now check the list of network hospitals of Star Health with PolicyX.com. All you have to do is select your insurance company, your state, and your city. Once done, the page will show you all the empanelled hospitals in your vicinity.
To assess the company's ability to meet its long-term financial obligations, you need to go through the solvency ratio of the company. While choosing an ideal health insurance company, the solvency ratio is one of the quintessential factors.
As per IRDAI, it is mandatory for every health insurance provider to maintain a solvency ratio of 1.5, and Star Health very well matches the same from the last three years.
With the help of this graph, we can say that Star Health is a financially sound company, and has enough resources to pay off the claims to the customers.
Solvency Ratio
** Data from IRDAI Annual Reports 2019-20
What's the need for a health insurance plan if your health insurance company is unable to settle your claims on time. However, as per the report of 2019-20 issued by the Insurance Regulatory and Development Authority of India (IRDAI), Star Health's percentage of settling claims within 3 months is 99.9%, which indicates that the company cares about its customers' needs at the time of medical emergencies.
Over the past few years, Star Health has witnessed significant growth. With a wide range of health products available, the company ensures to cater to the needs of every individual from every walk of life. As per the IRDAI report of 2019-20, Star Health occupies 13% of the overall market share.
Market Share
** Data from IRDAI Annual Reports 2019-20
With 640+ branch offices, Star Health boasts of a Pan India presence that allows its customers to reach out to them without any hassles. One can directly visit their nearest branch office for any of their policy-related or claim-related queries.
What else could you ask from your health insurance company if they are saving you from the inconvenience caused by the process of engaging with TPA's at the time of claim settlement? Star Health offers hassle-free in-house claim settlements without intervention of TPA and ensures that all your claims are settled on time.
Star has carefully crafted 21 health plans that ensure to cover your medical needs. Not just for individuals, one can buy Star Health plans for their family, senior citizens, and can even get coverage against the deadly disease-Covid19.
Take a Quick Glance at a few of the top-selling plans offered by Star Health:
Top-selling Star Health Plans | Type of Plan | Who Should buy? |
Senior Citizens Red Carpet Health Insurance Policy | Senior Citizen Health Insurance | The plan is specially designed for those individuals who are willing to secure their old-age medical needs after their retirement. |
Star Comprehensive Insurance Policy | Family Floater Health Insurance | A family looking for comprehensive coverage on an individual and floater basis at an affordable premium should go for this plan. |
Family Health Optima Insurance Policy | Family Floater Health Insurance | The plan is ideal for the families who want to get covered under single sum insured. |
Star Cardiac Care Insurance Policy | Critical Illness Plans | Star Cardiac Care is ideal for those individuals who want to cover the expenses of cardiac & non-cardiac ailments. |
Star Cancer Care Gold Policy | This health insurance product is suitable for persons diagnosed with Cancer. | |
Star Criticare Plus Insurance Policy | This plan is specially designed to cover 9 specified critical illnesses, and if one has a family history of the same, then they should go for this plan. | |
Star Super Surplus Insurance Policy | Top-up Plan | The plan offers additional coverage to the policyholder in case their existing coverage is exhausted. |
Star Hospital Cash Insurance Policy | Individual Health Insurance (Daily Cash) | The plan is suitable for those who are looking to cover their miscellaneous expenses during hospitalization such as traveling, food, etc. |
Arogya Sanjeevani Policy | Standard Health Insurance Policy | Those individuals who are looking for affordable medical coverage can go with this plan. |
Star Novel Coronavirus (nCoV) (COVID-19) Insurance Policy | Corona Specific Policy | This plan is for individuals who want to protect themselves and their families against the deadliest virus of Covid-19. |
Corona Kavach Policy | ||
Corona Rakshak Policy |
Here is the complete list of all the available Star Health Insurance Plans:
Star Health Senior Citizens Red Carpet policy takes care of healthcare expenditure and provides a secure future for senior citizens.The plan helps senior citizens to look after their medical needs without worrying about expenses.
Key Features of this plan:
Eligibility Criteria:
Age of Entry | 60 years-75 years |
Sum Insured (in Rs.) | 1 Lakh/2 Lakhs/3 Lakhs/4 Lakhs/5 Lakhs/7.5 Lakhs/10 Lakhs/15 Lakhs/20 Lakhs/25 Lakhs |
**Last Updated on 01-04-2021
Star Comprehensive plan comes with wider coverage options at an affordable premium rate. The plan offers complete security against medical expenses arising out of health eventualities. The plan offers coverage against all healthcare emergencies for an entire family on an individual and floater basis.
Key Features of this Plan:
Eligibility Criteria:
Age of Entry | 3 months - 65 years |
Sum Insured (in Rs.) | 5 lakhs -1 Crore |
**Last Updated on 01-04-2021
Star Family Health Optima Plan covers the entire family's medical needs under a single sum insured. The plan offers the best coverage to all family members at an affordable premium. With several benefits, the plan ensures to cover your and your family's medical needs in case of any medical emergency.
Key Features of this Plan:
Eligibility Criteria:
Age of Entry | 18 years-65 years |
Sum Insured (in Rs.) | 1 Lakh-25 Lakhs |
**Last Updated on 01-04-2021
Star Health Medi Classic Insurance Policy offers coverage against hospitalization expenses that arise due to illness/disease/sickness or accidental injuries. The plan provides financial support during such times and keeps your savings untouched.
Key Features of this Plan:
Eligibility Criteria:
Age of Entry | 16 days-65 years |
Sum insured (in Rs.) | 1.5 Lakhs-15 Lakhs |
**Last Updated on 01-04-2021
Star Health Gain policy fulfills your healthcare demands and allows you to choose the sum insured, premium, and family size as per your needs and requirements.
Key Features of this Plan:
Eligibility Criteria:
Age of Entry | 91 days-65 years |
Sum Insured (In Rs.) | 1 Lakh-5 Lakhs |
**Last Updated on 01-04-2021
Star Diabetes Safe Insurance is a diabetes-centric health insurance plan that gives financial support to the person who is suffering from Type I or Type II Diabetes, which can cause dangerous effects on the body. The plan offers two variants, Plan A & Plan B, that offers different coverage and benefits, and allows the customers to choose the suitable one.
Below is the sample illustration of how the premium amount of both variants is affected with growing age.
Sample Illustration Of Premium Amount Of Two Variants Of Star Diabetes With Different Age Groups
Key Features of this Plan:
Eligibility Criteria:
Age of Entry | 18 years - 65 years |
Sum Insured (In Rs.) | 3 Lakhs - 10 Lakhs |
**Last Updated on 01-04-2021
Star Health Cardiac Care offers multiple benefits in a single policy, which is specially made for the people who have undergone heart surgeries like Percutaneous Transluminal Coronary Angioplasty (PTCA)/Coronary Artery Bypass Graft (CABG), Atrial Septal Defect (ASD), or Ventricular Septal Defect (VSD), among others.
Key Features of this Plan:
Eligibility Criteria:
Age of Entry | 10 years-65 years |
Sum Insured (In Rs.) | 3 Lakhs & 4 Lakhs |
**Last Updated on 01-04-2021
Star Cancer Care Gold plan is designed for those who are suffering from cancer and covers the risk of recurrence/spreading of cancer (metastasis)/second cancer (second malignancy), unrelated to first cancer.
Key Features of this Plan:
Eligibility Criteria:
Age of Entry | 5 months-65 years |
Sum Insured (in Rs.) | 3 Lakhs and 5 Lakhs |
**Last Updated on 01-04-2021
Star Care Micro Insurance is a health insurance plan that offers protection to individuals and their entire families under a single sum insured (on the payment of a single premium).
Key Features of this Plan:
Eligibility Criteria:
Age of Entry | 18 years-65 years |
Sum Insured (Floater Policy) | Rs. 1 Lakh |
**Last Updated on 01-04-2021
Star Criticare Plus Insurance provides reimbursement of hospitalization expenses that are incurred due to an illness/disease/sickness/accidental injury. Major illnesses that are covered under Star Criticare Plus Insurance are:
1. Cerebro-Vascular Stroke causing Hemiplegia
2. Acute Myocardial Infarction resulting in left Ventricular Ejection Fraction of < 25%
3. Established irreversible coma
4. Established irreversible Paraplegia
5. Established irreversible Quadriplegia
Key Features of this Plan:
Eligibility Criteria:
Age of Entry | 18 years-65 years |
Family Discount | 5% for up to 2 members & 10% for more than 2 members |
**Last Updated on 01-04-2021
Star Family Delite Insurance Policy is specially designed for families to look after their healthcare needs. The policy comes at an affordable cost with multiple benefits.
Key Features of this Plan:
Eligibility Criteria:
Age of Entry | 18 years - 65 years |
Renewability | Lifetime |
**Last Updated on 01-04-2021
Star Special Care is a health insurance plan designed to cover children who are diagnosed with Autism Spectrum Disorder.
Key Features of this Plan:
Eligibility Criteria:
Age of Entry | 3 years - 25 years |
Sum Insured (In Rs.) | Rs. 3 Lakhs |
**Last Updated on 01-04-2021
Star Micro Rural and Farmers Care policy look after the medical needs of individuals and their families living in rural areas if they are hospitalized due to an illness or an accident.
Key Features of this Plan:
Eligibility Criteria:
Age of Entry | 18 years-65 years |
Sum Insured (In Rs.) | Rs. 1 Lakh-2 Lakhs |
**Last Updated on 01-04-2021
Star Outpatient Care Insurance Policy is a standalone product that pays for outpatient consultation. The coverage includes doctor fees, diagnostic tests, pharmacy bills, physiotherapy, and other therapeutic procedures.
Key Features of this Plan:
Eligibility Criteria:
Age of Entry | 18 years-50 years |
Sum Insured (In Rs.) | 25 Thousand-1 Lakh |
Star Hospital Cash Insurance offers additional coverage in an event of hospitalization and takes care of your incidental expenses (food or traveling) that are not covered under your standard health insurance policy.
Key Features of this Plan:
1. Basic Plan- Rs. 1,000/2,000/3,000
2. Enhanced Plan- Rs. 3,000/4,000/5,000
Eligibility Criteria:
Age of Entry | 18 years- 65 years |
Policy Term | 1, 2 & 3 Years |
**Last Updated on 01-04-2021
Young Star Insurance Policy protects your finances against any medical emergencies and supports your health-related expenses. The plan is available in two variants: The Gold and Silver Plan, which allows the customer to choose the plan as per their needs and requirements.
Key Features of this Plan:
Eligibility Criteria:
Age of Entry | 18 years-65 years |
Sum Insured (in Rs.) | 5 Lakhs to 1 Crore |
**Last Updated on 01-04-2021
Arogya Sanjeevani, affordable health insurance by Star Health, is available to meet the healthcare requirements of you and your family without any roadblocks. With several benefits such as covering all daycare procedures, lifelong renewals, cumulative bonuses, etc., the plan ensures to look after you and your family's healthcare needs.
Key Features of this Plan:
Eligibility Criteria:
Age of Entry | 3 months-65 years |
Sum Insured (in Rs.) | 1 Lakh-10 Lakhs |
**Last Updated on 01-04-2021
Star Novel Coronavirus plan offers a lump sum to an insured person who is diagnosed and hospitalized for COVID-19. Only one person can be covered under one policy.
Key Features of this Plan:
Eligibility Criteria
Age of Entry | 18 years-65 years |
Sum Insured (In Rs.) | 21,000 & 42,000 |
**Last Updated on 01-04-2021
The Corona Rakshak Policy allows the policyholders to fight against COVID-19. The policy offers lump-sum benefits (equal to 100% sum insured) to coronavirus patients.
Key Features of this Plan:
Eligibility:
Age of Entry | 18 years-65 years |
Sum Insured (In Rs.) | 50 Thousand to 2.5 Lakhs |
Policy Period | 105 days, 195 days, and 285 days |
**Last Updated on 01-04-2021
Corona Kavach policy (offered by Star Health) provides a financial cushion against the expenses of COVID-19 treatment. One can file a claim if they are hospitalized for COVID-19 after testing positive at a government-authorized diagnostic center.
Key Features of this Plan:
Eligibility:
Age of Entry | 18 years-65 years |
Sum Insured (In Rs.) | 50 Thousand to 5 Lakhs |
Policy Period | 105 days, 195 days, and 285 days |
**Last Updated on 01-04-2021
Star Super Surplus Insurance helps the policyholder by covering their daily medical costs resulting from hospitalization. It also offers higher-sum insured options with varied plans at nominal prices. The plan is available in two variants-silver and gold.
Features
Eligibility Criteria
Age of Entry | 18 years - 65 years |
Policy Period | 1 year |
**Last Updated on 01-04-2021
Every plan has its own list of exclusions. However, we have mentioned a few of the general exclusions of Star Health plans. Have a look:
Ideally, there are two ways to buy- from the company itself and a trusted web aggregator (PolicyX.com). Let's learn more about them.
Star Health Insurance Buying Process
If you want a dedicated agent by your side during the claim settlement process, then you should consider choosing PolicyX.com for buying Star Health insurance. Below is its buying process.
In case you want to renew your policy, just follow the steps below-
The company grants two simple ways to file claims. Here they are-
Cashless Claim Settlement Process
Reimbursement Claim Settlement Process
As per our thorough research and unbiased analysis, we at PolicyX.com have come to the conclusion that Star Health Insurance offers the most comprehensive coverage and protects you and your family's needs in times of emergency.
To be more clear in our predictions, we contacted around 20 PolicyX.com customers who have bought Star Health Policy from us, out of which 95% were fully satisfied and happy with their policies and their insurer's commitment towards them.
Star Health Insurance Contact Address:
Star Health & Allied Insurance Co. Ltd,
No.1, New Tank Street, Valluvarkottam High Road,
Nungambakkam, Chennai - 600 034
Customer Care:
Toll-free Number: 1800-425-2255/1800-102-4477
E-mail: support[at]starhealth[dot]in
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1. Can one avail Star Health plans if one is not Indian by nationality but is living in India?
Yes, foreigners who are living in India can be covered under a Star Health insurance policy. But the coverage is only limited to India.
2. What is the waiting period for pre-existing illness in Star Health plan ?
Generally, every health plan excludes the treatment of any pre-existing disease and illnesses up to a predetermined period. At Star Health, the treatment of any such pre-existing disease is covered only after the completion of 48 months of continuous renewals.
3. Can I pay my premiums in EMI ?
Yes, Star Health has recently launched the facility to pay the health insurance premium in installments. Plans such as Senior Citizen Red Carpet, Family Health Optima, Medi-Classic Insurance, Star Micro Rural & Farmers Care, etc. offer the policyholder to pay their premiums in monthly, quarterly, and half-yearly installments.
4. How can I check Star Health Insurance Policy Status?
To check your policy status, go to the Star Health Insurance login page on their official website. Login with your registered user ID and Password, and you will be redirected to the page from where you can check all your star health insurance policy details.
(Showing latest 5 reviews only)
March 20, 2021
March 16, 2021
In my review dated 13-03-2021, Due to my mistake i wrote very bad experience, actually these refdunds(difference amount
March 16, 2021
In my review of dated 13-03-2021, i wrote very bad experience, but actually these refunds ( difference amount
March 4, 2021
Happy with the services provided by policy x as well as star health..looking for same service for future as well.
March 4, 2021
We have taken the policy for my parents in law. I have tried in other companies also but no one was able to make a good deal. So I choose star from policy.com. the agent rohit mehra he assited us and he was very patience and accurate. Now we got the policy. Star gave the coverage and rohit guided us. Very nice service of both the companies. Best wishes to Rohit if policyx.com from rohit
Last updated on 01-04-2021
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Good system of online Digital transactions to obtain my policy with proper guidance from staff at Policy X