Star Health Insurance

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

Network hospitals

14000+

premium

Claim settlement ratio

99.06%

premium

Sum insured

2 CR

premium

No. of Plans

21

premium

Solvency Ratio

1.7

premium

Pan India Presence

815

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

Claim settlement ratio

99.06%

premium

Sum insured

2 CR

premium

No. of Plans

21

premium

Solvency Ratio

1.7

premium

Pan India Presence

815

About Star Health Insurance

Star Health Insurance is one of India's leading stand-alone health insurance firms. With an exceptional insurance product range that includes Health Insurance, Personal Accident, Travel Insurance, Corporate Insurance, and more. Since its beginning in 2006, the insurer has amassed a vast customer base and has helped insurance customers by providing them with comfort and financial security in times of trouble.

Star health insurance company's numerous insurance options include coverage features such as access to 14,000+ network hospitals for the best Medicare along with domiciliary hospitalization, day-care treatments, AYUSH Treatments, organ donor coverage, and more.

Star Health Insurance has a 99.06% claim settlement percentage in less than three months for fiscal year 2021-22. The insurer delivers a 360-degree wellness system to their insurance holders and offers a cashless claim settlement rate of 90% within 2 hours. Consultations, expert Covid-19 guidance, points for a healthy lifestyle that may be redeemed at the time of policy renewal, and OPD services at the click of a button are all part of their 360-degree wellness system offered to policyholders at the time of a health insurance plan purchase.

Over the decades' Star Health Insurance has built a robust network of presence across the nation with 14273+ employees and 815+ branch offices all over India. Star Health Insurance Plans and their performance has also brought in various accolades and recognition across the nation. Take a look at some of the awards and achievements in recent years.

  • Star Health Insurance was awarded "e4m Pride of India - The Best of Bharat Awards 2022"
  • "Young Star Insurance Policy" has been awarded the Most Innovative New Product of the Year (2020)
  • Star Health Insurance was awarded "Best BFSI Brands in 2019" by Economic Times
  • Star Health Insurance was awarded "Best Health Insurance Provider of the year" consecutively two times by Money Today Financial Awards
  • W.H.O Award Of Excellence 2017
  • Best Health Insurance Company of 2017 by CMO Asia

Star Health Insurance Company Eligibility Criteria

There are various health insurance categories offered by Star Health Insurance Company that have different eligibility criteria at the time of policy purchase.

Category Min Entry AgeMax Entry AgeMin SIMax SI
Family & Individual Health PlansChild : 91 Days
Adult : 18 Years
Child : 24/25 Years
Adult: 65 Years
1 L | 3 L | 5 L 50 L | 1 Cr
Women Care Plans18 Years75 Years5 L 1 Cr
Senior Citizen Plans 60 Years 75 Years 1 L 25 L
Top Up PlansChild : 91 Days
Adult : 18 Years
Child : 24 Years
Adult: 65 Years
3 L 10 L
Critical Illness Plans10 Years65 Years3 L 5 L
COVID-19 Plans18 Years65 Years20 K 50 K

Best Star Health Insurance Policy

Star Health medical insurance plans are designed to meet all the healthcare requirements of the masses. PolicyX.com has made it simpler for you to choose a Star health plan tailor-made for your and your family by classifying it into different sections as given below:

  • Star Health Comprehensive Plan
  • Family Health Optima Insurance Policy
  • Young Star Insurance Policy
  • Star Health Arogya Sanjeevani Policy
  • Medi Classic Insurance Policy (Individual)
  • Star Health Gain Insurance Policy
  • 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
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

Star Health Premier Policy

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
  • 7 family cover size options
  • Lifelong renewal
  • 3 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

Star Cardiac Care Policy-Platinum

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

Star Hospital Cash Policy

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

Star Cancer Care Gold (Pilot Product)

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 Insurance Policy

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

Star Health Assure Insurance Policy

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

Star Health Diabetes Safe Insurance Policy

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

Star Cancer Care Platinum Insurance Policy

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

Star Critical Illness Multipay Insurance Policy

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 Insurance Policy

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

Benefits of Star Health Insurance Plans

Star Health Insurance offers one of the best health insurance plans to its customers. Over the years Star Health has won many accolades and awards for its exceptional service and insurance products. Ever since it commenced operations the company made its presence felt and emerged as a reliable name in the insurance segment.

The insurer has a variety of health insurance plans that offer varied requirements for different sections of society like individual health insurance plans, family floater health insurance plans, senior citizen health insurance plans, critical illness health insurance plans, disease-specific health insurance plans, personal accident plans, and more.

Star Health offers multiple benefits to its policyholders on the purchase of insurance plans. Read more to understand the benefits.

  • Cashless facilities:

    Star Health processes more than 89.9% of hospitalization related to mediclaim health insurance claims within 2 hours under the cashless facility and 88% of claims get settled within 7 days on submission of complete documents under reimbursement.
  • Unwavering trust :

    Star Health Insurance, being amongst the experts in the domain of health insurance in India upholds customer values and helps them in stressful times. The customers have a high trust value in the brand when it comes to health insurance.
  • Free Health Check-up:

    With many health insurance plans provided by Star Health Insurance policyholders get a free health check-up helping them keep their all-around health in check.
  • Tax Benefit:

    Premium paid for the health plans of Star Health allows you to claim tax deductions under Section 80D of the Income Tax Act, 1961.
  • Claim Settlement:

    Star Health Insurance is amongst the companies with the highest claim settlement ratio in the insurance sector. It signifies the consistency with which they have aided families in their time of need.
  • Cumulative Bonus:

    Star Health Plans offer the feature of cumulative bonus to their policyholders up to a maximum of 100% after every claim free year.
  • High Sum Insured Options:

    Star Health Insurance Plan offers multiple Sum Insured Options across the plan categories ranging up to 2 Cr. Policyholders can select the amount of sum Insured as per their needs and requirements and safeguard themselves and their loved ones against unforeseen circumstances.
  • Star Wellness Points and Benefits:

    Star Health Insurance Plans offer additional wellness points which when accumulated by a policyholder provides impressive discounts in premiums. Benefits are earned by collecting various points through different health and fitness activities like participating in a Walkathon, Marathon, Cyclothon or any other similar activity. Policyholders can also earn points simply by hitting their daily step target via Star Health Insurance App.
  • Family & Loyalty Discounts:

    Star Health Plans are designed uniquely to benefit policyholders, wherein they can avail multiple discounts in various forms. Discounts are offered through various conditions such as purchase of any Star Health Plans online, when two or more family members are covered under a single policy or on the basis of long term purchase of health Insurance Plan.
  • Overseas Travel Insurance :

    Star Health Insurance Plans are designed uniquely to cover Indian National even when travelling overseas with family members. Star Health Insurance has curated careful insurance plans for corporates, students and families, who want to travel abroad for leisure or work purposes. With wide coverage facilities such as Emergency medical evacuation cover, Lost Checked-In Baggage, loss of passport and more such features Star Health Insurance makes sure policyholders are safe and face no difficulties away from home.

Reasons Star Health Insurance should be your Insurance Provider

Star Health Insurance is known for its vast category of Health Insurance Plans for individuals, families, senior citizens, women's care, rural and farmer's care, corporate/group insurance plans, and more. To cater to such a wide range of customers Star Health Insurance Plans have multiple features and benefits that individuals can avail of throughout their policy term:

  • Nationwide Access to Cashless Hospitalization:

    Star Health Insurance has a wide range of network hospitals spanning across the country. With over 14000+ cashless network hospitals, insurance holders are treated without any hiccups and are catered to at the earliest by Star Health Insurance, and are provided with the best medical care available.
  • Quick and Easy Claim Settlement :

    Star Health Insurance provides a quick and hassle-free claim settlement process. The rate of claim settlement within 2 hours is 90% for this insurance company indicating that a customer's need is its top priority.
  • Economical Star Health Insurance Plans:

    Star Health Insurance designs affordable tailor-made insurance solutions for every individual. Star Health Policies are loaded with features that enhance the health insurance experience for policyholders and also provide an air of confidence that makes policyholders and their family members feel protected against skyrocketing medical expenses.
  • Varied Health Insurance Plan Options:

    Star Health Insurance Plans are versatile and provide coverage against multiple medical expenses. Star Health Insurance offers plans that cover individuals, families, senior citizens and group policies. Be it protection from Covid, Critical Illness, Women specific illnesses, Accident Protection, or Travel Insurance Star Health Plans are tailored for every individual's personal requirement.
  • 60 Degree Star Wellness System :

    Star Health Insurance knows very well that an individual's journey towards health and recovery is not a sprint but a marathon which is why they have created a systematic 360 degree holistic environment to promote a healthy lifestyle amongst policyholders. Star Wellness Program offers multiple features such as access to free expert medical advice, COVID-19 Helpline, Online consultations, healthy reward points and more.
Star Health Insurance Key Features
Star Health Insurance Plan Detailed Review
Health Insurance Plans Banners

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.

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 years2 Adult2 Adult+1 Child2 Adult+2 ChildAverage Premium
5L11,15013,71016,27513,711
10L13,93517,14020,34517,140

Star Comprehensive Policy

AGE 26

26 years1 Adult2 Adult2 Adult+1 Child2 Adult+2 ChildAverage Premium
5L7,01510,42013,17014,80011,351
10L9,72515,56019,11020,92016,329

Senior Citizens Red Carpet

Policy Term 1 Year1 Adult2 AdultAverage Premium
10L18,00038,25028,125
15L29,20549,65039,428

Star Health Insurance Tax Benefits

A health insurance policy brings with itself a plethora of advantages. Though health insurance is inevitable yet many individuals fail to understand its importance. To add to the pre-existing benefits are the tax benefits that an insurance policy brings with itself. The tax benefits on a health insurance policy fall into Section 80D of the Income Tax Act, 1961. The said act is a provision that allows taxpayers to claim deductions for premiums paid to the insurer. Star insurance also lets its customers take advantage of these tax benefits.

Not only for yourself, but you can also avail of these deductions offered by Star insurance company when purchasing a health insurance plan for your spouse, children, and parents. The taxpayers' categories that can avail of these deductions are Indians, Non-resident Indians, and any member of HUFs (Hindu Undivided Family).

Apart from this, you can avail of deductions on preventative health check-ups as well according to section 80D of the Income Tax Act. The government included preventive health check-ups to promote a healthy way of living and minimize the risks of illnesses through regular check-ups.

Let's look at the table given below to understand the amount of deductions a taxpayer can avail through Star Health and allied Insurance.

ScenarioMaximum Deductions
Self, spouse and dependent children 25,000
Self, spouse and dependent children + parents (aged below 60 years) 50,000
Self, spouse and dependent children + Resident 75,000
parents (aged 60 years or above)
Self, spouse, dependent children (any person aged 60 or above and Resident) + Resident parents (aged 60 years or above) 1,00,000
Members of Hindu Undivided Family (HUF) 25,000
Members of Hindu Undivided Family (HUF) (aged 60 years or above and Resident) 50,000

Star Health Insurance Plans Inclusions

Star Health Plans are offering multiple coverage factors and plan inclusions that aid individuals in fighting the excessive medical care costs when required. You can avail of all these mentioned inclusions in Star Health Insurance Plans.

  • Wellness Programs:

    Star Health Insurance Plans offer multiple reward points to their policyholders when they take care of their health. Policyholders can avail of wellness benefits under the plans they opt for and earn reward points which can then in turn be used for renewal discounts and more.
  • Star Health Plan Second Medical Opinion :

    Multiple Star Health Insurance Plans offer insured individuals with second medical opinion benefits wherein they can avail a second medical opinion from a medical professional within the Star Health Insurance network of Doctors. Star Health Insurance has a dedicated email Id e_medicalopinion@starhealth.in that allows policyholders to send their medical history for further consultation.
  • Star Health Insurance Plan Value-Added Benefits:

    Star Health Insurance Plans offer multiple value added benefits along with the conventional coverage features. These value added services or benefits compose of e-medical opinion, Telemedicine Services, Online Consultations, Dedicated COVID-19 helpline, and more which showcases how Star Health Insurance is known as a dedicated Health Insurance Specialist.
  • Regular Health Check-ups :

    Star Health Insurance Plans offer regular annual health check-ups to their policyholders in order to promote a healthy lifestyle and catch any ailment in time for treatment.

Star Health Medical Insurance Exclusions List

Like many other health plans, Star medical insurance also does not cover a list of medical conditions and diseases. You can read about what is not covered under Star health plans below:

  • Injuries due to participation in adventurous sports
  • Use and abuse of intoxicant substances like drugs and alcohol
  • Venereal or sexually transmitted diseases like HIV
  • Medical issues caused due to war situations

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.

Why should you Buy the Star mediclaim policy from PolicyX.com?

With so many buying options available in the market, one must think that why he/she needs to choose PolicyX.com. Well, we are here to answer. Read out the below points to find out why to choose PolicyX.com.

  • 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.
WWhy Should You Buy the Star Health Insurance Plan from Policyx.com?

Star Health Insurance Renewal

Star Health Insurance company comes with a Lifetime Renewability feature, which means there are no restrictions or age bar on Star Health Insurance Renewal.

Star Health insurance renewal is available online. The company has a simple and quick star health online renewal process to renew a star health plan in a few easy steps as mentioned below:

  • Visit the official website of Star and click on 'Renewals'
  • Enter your policy number and date of birth.
  • Proceed by making the payment online.

Once Done, you will get the StarHealth Insurance renewal copy on your registered email-id.

With Star Health Online Renewal, one can make hassle-free renewal payments through multiple channels including e-wallet, company website, mobile app, Paytm, etc. Read all about Star policy premium payment.

For Renewal of Star Health Insurance Plans, the company also offers the grace period of 30 days, during which the policyholder can renew their policy even after the due date without it getting lapsed.

Star Health Insurance Claim Process

Explore Star Health claim settlement process for cashless and reimbursement claims in detail below:

Cashless Claim Process

  • Show your Health Card at the hospital's reception desk
  • Submit the hospital Pre-admission investigations and Doctor's consultation papers
  • Hospital will verify the identity and submit a duly filled pre-authorization form to Star Health.
  • Doctors will verify the submitted documents before processing the claim.
  • The hospital will send the claim documents to the company.
  • The amount will be settled directly to the hospital.

Reimbursement Claim Process

  • Intimate the company within 24 hours of hospitalization.
  • Avail treatment, settle all the bills, and file a reimbursement claim.
  • Submit the required documents to the company within 15 days of the discharge.
  • The company will verify all the information and process the claim.
  • Once approved, you will receive the reimbursement amount in your registered bank account.

Know more About Star Health Claim Process

Documents Required For Reimbursement Claims

To file your reimbursement claim for Star health insurance plans, you need to submit some essential documents, which may vary from plan to plan. Take a look below to explore the documents required:

  • Photocopy of Health card
  • Duly filled claim form
  • Pre-admission investigations and Doctor's consultation papers
  • Original Discharge summary
  • Investigation reports (e.g. X-ray, scans, blood report, etc.)
  • Pharmacy bills supported by respective prescriptions
  • Medical Bills
  • In cases of accidents (Copy of FIR, Medico-Legal Certificate)
  • Copy of the KYC documents
  • Canceled cheque

** Star Health Insurance may ask for other documents as per the requirements

You can also check your Star Health Insurance policy status by visiting the official website of Star Health Insurance. Under the 'Claims' tab, hit the Claim Status button, & enter the required Star Health Insurance Policy details such as ID number and claim intimation number.

How to Contact Star Health & Allied Insurance Company?

Star Health Insurance Contact Address

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

Star Health has a dedicated 24*7 customer care support for each branch to help customers resolve their queries anytime. 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 plans are offered by Star Health?

The type of health plans offered by Star Health 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. Is COVID-19 treatment covered in my health insurance policy?

Star Health Insurance Policies cover the treatment of COVID-19 when the treatment is taken as an inpatient.

3. Is there any policy that covers autism?

Yes, Autism is covered under Star Special Care health insurance policy.

4. Does Star Health insurance offer any specific plan for critical illnesses?

Star Criticare Plus Insurance Policy covers 11 critical illnesses.

5. How can I pay the premiums of the Star Health Insurance Plans Online?

Go to the website of Star Health Insurance and choose the health insurance policy. Fill in the details of all the individuals for whom the health insurance is to be bought. With the help of the Star Health premium calculator, one can see the quotes instantly. The Star Health Online payment can be paid via debit card, net banking, and credit card.

6. What are the diseases that Star Health Insurance Covers?

Below mentioned are the Star Health Insurance covered Diseases List:

  • HIV/AIDS
  • Genetic Disorders
  • Infertility
  • Hernia
  • Cataract
  • Piles
  • Diseases caused due to alcohol or drugs consumption

7. Is there any Star Health insurance plan for females?

Yes, Star Health insurance offers a female centric plan called Star Women Care plan.

8. Documents Required for Cashless claim for Star Health Insurance?

  • Star Health Card
  • Duly filled & signed claim form
  • The discharge report from the hospital/Doctor
  • Check-Up reports such as blood reports, x-ray, or any scans reports
  • Consultation papers of the doctor
  • Chemist's invoice (in original written form )
  • In case of an accidental hospitalization, police FIR report Medical Legal Certificates
  • Other miscellaneous documents (if required)

9. Why should I invest In Star Health Insurance Plans?

Star Health Insurance plans offer robust and complete healthcare coverage. The Health Insurance Provider understands the importance of a healthy lifestyle and encourages individuals to live healthier through their value added benefits and wellness programs. Additionally Star Health Insurance Plan covers individuals against critical illnesses, diabetes, cardio-vascular problems and more. All Star Health Insurance Plans offer high sum insured options, day care coverage, AYUSH treatment, 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 individuals to cover themselves and their families under a single health insurance plan. Star Health Insurance Plans that come with family floater options cover medical expenses that arise due to sudden illness, accidents, daycare procedures/treatments and more.

11. Am I covered for pre existing diseases under Star Health Insurance Plans?

For any PED (Pre existing diseases) to be covered under Star Health Insurance Plans individuals will have to go through a certain amount of waiting period which differs according to the plan opted.

12. What is the procedure to avail the cashless hospitalization facility in any Star Health Insurance Network Hospital?

Star Health Insurance has a nationwide network of over 14000+ hospitals where policyholders can avail cashless hospitalization. The process to avail the same is as follows

  • Ask network hospital officials to Intimate Star Health Insurance at 044 6900 6900 / 044 4674 5800 or via e-mail- support@starhealth.in.
  • Submit the necessary documents to the hospital authorities such as Star Health Insurance ID or policy number, doctor's consultation papers/prescriptions
  • The hospital staff will in turn verify and authorize the documents by filling a form on Star Health Insurance Website
  • Once Star Health Insurance authorizes the submitted documents, the claim will be settled directly with the hospital at the time of discharge.

Other Health Insurance Companies

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

Health Insurance Articles

What is OPD Cover?

What is OPD Cover?March, 2022

Star Health Insurance Reviews

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

Customer Review Image

Ranjan Kumar Verma

Patna

March 5, 2023

मैने 2016 में PolicyX.Com से Health Insurance Online Purchase किया था। अभी 2021 से मैं STAR HEALTH का Policy continue किया हूँ...

Customer Review Image

sandeep singh

Chandigarh

January 12, 2023

Dnt buy any policy from Star health They are big fraud my father is admitted in hospital crucial stage they reject our claims without reason i will filled case against company in consumer court...

Customer Review Image

Sanjay naraware

Pune

November 8, 2022

Sanjay nanaware here, first of all I appreciate Star Health for your punctuality, service, conversation and I really thanks to Mr.Sanchin pathavnkar who has suggest star health policy.

Customer Review Image

Ritesh

Delhi

June 2, 2022

Star health insurance company is one of the most trusted brands and my experience has been good with the insurer.

Customer Review Image

Himanshu Gada

Delhi

May 25, 2022

Star is a good company. I have bought 2 plans from this company. One for myself, and another for my parents. I am happy with both the plan. Thank you PolicyX.com for helping me to find this gre...

Customer Review Image

samarth wadhwa

Guwahati

March 14, 2022

Star is one of the topmost insurance companies and they prove it with their services and plans. They have plans for each family member of mine starting from my parents to my own family and even...

Customer Review Image

rachana singh

Ahmedabad

February 24, 2022

I am star health s customers from last 5 months where i have got best customer service. They have a huge list of network hospitals which keeps me relaxed that i can get cashless treatment

Customer Review Image

paridhi

Hyderabad

February 17, 2022

No doubt that why people recommended me this company. They are loyal towards their customers and help them in every possible way.

View All Star Health Insurance Reviews