Star Health Insurance
Star Health Insurance is a huge name in the Indian health insurance sector, with an amazing 70 million loyal customers. They offer customised health insurance plans that cater to the healthcare needs of individuals, families, and senior citizens. With over 60 lakh claims settled so far, Star Health Insurance offers useful features like affordable premiums, tax benefits, maternity and newborn coverage, and others for maximum customer satisfaction.
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Network hospitals
14000+
Incurred claim ratio
65%
Sum insured
Up to 2 CR
No. of Plans
24
Solvency Ratio
2.0
Pan India Presence
850+
Confused? No Worries, We Are Here To Help!
Star Health Insurance Overview
Star Health Insurance is a leading stand-alone health insurer that started as a joint venture with Allied Insurance in 2006. Since then, the insurer has become a household name leading the insurance market. So, what makes Star Health Insurance trustworthy? In this article, we shall explore all the essentials of Star Health Insurance. Ranging from star health plans, their key features, awards, and premiums.
| Network Hospitals | 14000+ across India |
|---|---|
| Claims Settled Everyday | 5000+ |
| Claims Settled in 2 hours | 90% |
| Sum Insured | Up To 2 Crores |
| Customer Support | 24X7 |
Star health insurance plans are also designed to provide 360-degree coverage, besides being your financial safety net. What are some of the features that set them apart?
Best Selling Star Health Insurance Plans
Let's take a look at the list of health insurance plans that offer comprehensive protection to you and your family
Individual & Family Health Insurance
| Star Health Insurance Plans | Eligibility | Approximate Annual Premiums |
|---|---|---|
| Family Health Optima Insurance Plan | Entry Age - 18 to 65 Years Sum Insured - Up to 25 L |
Rs. 25,318 |
| Star Women Care Insurance Policy | Entry Age - 18 to 75 Years Sum Insured - Up to 1 Crore |
Rs. 12,154 |
Senior Citizen Health Insurance
| Star Health Insurance Plans | Eligibility | Approximate Annual Premiums |
|---|---|---|
| Star Senior Citizen Red Carpet Policy | Entry Age - 60 to 75 Years Sum Insured - Up to 25 L |
Rs. 29,535 |
| Star Health Premier Insurance Policy | Entry Age - 50 Years Sum Insured - Up to 25 L |
Rs. 54,026 |
Critical Illness Health Insurance
| Star Health Insurance Plans | Eligibility | Approximate Annual Premiums |
|---|---|---|
| Star Critical Illness Multipay Insurance Policy | Entry Age - 18 to 65 Years Sum Insured - Up to 25 L |
Rs. 2,097 |
| Star Cancer Care Platinum Insurance Policy | Entry Age - 18 to 65 Years Sum Insured - Up to 10 L |
Rs. 27,854 |
Accident Health Insurance
| Star Health Insurance Plans | Eligibility | Approximate Annual Premiums |
|---|---|---|
| Accident Care Individual Insurance Policy | Entry Age - 18 to 70 Years Sum Insured - Starting at 1 L |
Rs. 7,847 |
| Family Accident Care Insurance Policy | Entry Age - 18 to 70 Years Sum Insured - Up to 50 L |
Rs. 89 per lakh of SI *Calculated for 1 policy year |
Travel Health Insurance
| Star Health Insurance Plans | Eligibility | Approximate Annual Premiums |
|---|---|---|
| Star Travel Protect Insurance Policy | Entry Age - Upto 70 Years Sum Insured - Up to USD 500,000 |
Rs. 1,403 |
| Star Student Travel Protect Policy | Entry Age - Upto 70 Years Sum Insured - Up to USD 500,000 |
Rs. 1009 |
*Premiums calculated are for INR 10 lakhs sum insured including GST for each policy wherein:
- Family Health plans are calculated for 2 Adults + 1 Child
- Individual Health plans are calculated for 1 Female aged 30 years
- Senior citizen health plans are calculated for 1 individual at entry age for a policy term of 1 year
- Critical Illness health plans are calculated for 1 individual at the age of 30-year-old
- Accident Health plans calculated for a 30-year-old individual
- Star Travel Protect premium is calculated for individuals between 6 to 40 years
- Star Student Travel Protect is calculated for 1 to 30 days trip duration including tax
Key Features Of Star Health Insurance Plans
Let us take a look at some unique features of top-selling Star health policies:
For Individuals & Families
Star Family Health Optima Insurance Plan
Comprehensive health insurance covers road traffic accidents and assisted reproductive treatments. The plan offers a 5% discount on premiums for maintaining a healthy lifestyle.
Why Do We Recommend This?
Star Comprehensive Plan
An ideal health insurance plan for families and individuals with a minimum coverage of INR 5 lakhs and a maximum of up to INR 1 Crore.
Why Do We Recommend This?
Star Women Care Insurance Policy
Designed specifically to cater to the health needs of a woman. From maternity care to pre and post-natal care, Star Health has it all covered
Why Do We Recommend This?
Star Medi-classic Insurance Plan
A health insurance plan designed for individuals with sum insured options of up to INR 25 lakhs. The plan is available in 2 variants namely, Base and Gold.
Why Do We Recommend This?
Star Health Gain Insurance Policy
An individual and family floater health insurance policy designed to cover expenses related to out-patient and in-patient hospitalization.
Why Do We Recommend This?
Star Health Assure Insurance Policy
The policy offers wide coverage for individuals and families. You can cover yourself, your spouse, dependent children, parents, and parents-in-law.
Why Do We Recommend This?
Star Smart Health Pro
Sum insured available between 5 Lakhs to 1 Crore along with coverage features like domiciliary hospitalization, AYUSH treatments, modern treatments, and more.
Why Do We Recommend This?
Youngstar Insurance Policy
A health insurance plan designed especially for young individuals and families. Eligibility for the plan is between 18 to 40 years along with 2 plan options gold and silver.
Why Do We Recommend This?
Star Arogya Sanjeevani Policy
This policy has been created to cover the most essential clinical aspects required in the process of recovery for an individual. A 1-year health insurance policy, with a lifelong renewal it is a versatile health plan
Why Do We Recommend This?
Star Surplus Health Insurance
Top-up health insurance for individuals and families offers additional coverage to your base health insurance plan.
Why Do We Recommend This?
Star Hospital Cash Insurance Policy
The plan offers base and enhanced health plan options with a plethora of features like daycare procedures, accident hospital cash, and more
Why Do We Recommend This?
Star Rural Micro Health Plan
The plan is designed to cater to individuals and families from rural India and offers a sum insured of up to INR 1 and 2 Lakhs. It is available to individuals between the ages of 18 to 65 years.
Why Do We Recommend This?
Star Outpatient Care
The plan is available in 3 variants, namely silver, gold, and platinum. The sum insured available is up to INR 1 lakh. OPD coverage offers coverage against expenses like doctor visits, diagnostic tests, and more.
Why Do We Recommend This?
For Senior Citizens
Senior Citizens Red Carpet Health Insurance Policy
Designed to secure the health of senior citizens in their second innings of life, the health plan offers various features necessary for senior citizens.
Why Do We Recommend This?
Star Health Premier Policy
A unique senior citizen health insurance plan designed for individuals above 50 years without any maximum age limit. To purchase this plan, you do not need to undergo any pre-policy medical screening
Why Do We Recommend This?
For Critical Illnesses
Star Critical Illness Multipay Insurance Policy
It is designed to deal with a list of 37 critical ailments. Specifically designed to help you battle it out with diseases like cancer, the plan is loaded with multiple features.
Why Do We Recommend This?
Star Cancer Care Platinum Insurance Policy
A health plan dedicated to catering to your medical and financial needs during your cancer treatment along with multiple features.
Why Do We Recommend This?
Diabetes Safe Insurance Policy
It is designed to cover people who are diagnosed either with type 1 or type 2 diabetes. It also offers multiple features like automatic restoration, personal accident cover, and more.
Why Do We Recommend This?
Star Cardiac Care Insurance Policy
Dedicated to your heart, the Star cardiac care plan can be bought for people as young as 10 years old. The plan covers surgical and non-surgical treatments for heart ailments.
Why Do We Recommend This?
Star Cardiac Care Insurance Policy - Platinum
The plan is designed for individuals between the ages of 7 to 70 years. The plan covers hospitalization expenses for non-cardiac-related ailments as well.
Why Do We Recommend This?
Star Special Care
A one-of-a-kind health plan for individuals diagnosed with autism spectrum disorder. The plan offers multiple features and covers people from 3 to 25 years.
Why Do We Recommend This?
Star Special Care Gold
The plan is designed to provide coverage to individuals who are diagnosed with HIV/AIDS as well as disabilities. You can avail of a sum insured up to INR 5 lakhs.
Why Do We Recommend This?
For Personal Accident
Accident Care Individual Insurance Policy
A health plan designed to protect you from accidental death and disabilities as a result of unforeseen accidents.
Why Do We Recommend This?
Family Accident Care Insurance Policy
This family health insurance plan provides you with a lump sum amount in case of an accidental death along with a lifetime renewal option.
Why Do We Recommend This?
Star Saral Suraksha Bima
This plan is designed to protect you from any unforeseen accidental hospitalizations. The plan eligibility includes people between 18 to 70 years old and offers a multitude of features.
Why Do We Recommend This?
For Travel Insurance
Star Travel Protect Insurance Policy
Planning to go backpacking abroad? Consider investing in the right health insurance plan for a safe journey! Star Travel Protect is designed to offer a wide coverage for travel inconveniences.
Why Do We Recommend This?
Star Student Travel Protect Policy
This plan is exclusively designed for students who want to travel abroad for further studies. With three different sum insured options from USD 50,000 to USD 250,000, it offers a wide scope of coverage.
Why Do We Recommend This?
Star Domestic Travel Insurance
As the name suggests the plan is designed to cover you from unforeseen medical emergencies along with a wide range of coverage features.
Why Do We Recommend This?
Why Choose Star Health Insurance?
- Trusted brand with loyal customers
- A wide network of hospitals
- Cashless anywhere even in non-network hospitals
- Super quick claim settlement
- Dedicated customer support
- 1500+ in-house diagnostic centers
Choose Star Health Insurance Coverage of Your Choice
Star Health Insurance Inclusions: What Are You Covered For?
Star Health Insurance provides the following inclusions:
AYUSH Treatments
Most Star Health Insurance plans have in-built alternative treatment cover which you can utilize to your benefit. AYUSH treatments include Ayurveda, Unani, Siddha, and Homeopathy treatments.
Hospitalization Expenses
Star health insurance plans cover your hospital expenses like room rent, ICU charges, surgery expenses, doctor consultations, and other such expenses.
Pre and Post Hospitalization Expenses
Star Health Insurance understands the impact of rising medical expenses, thus they have made sure that their insurance products contain pre and post-hospitalization expenses related to in-patient hospitalization.
Day Care Treatments
Multiple procedures do not require a 24-hour hospitalization. With this in mind, a majority of the Star health insurance plans are designed to cover daycare procedures for policyholders.
Domiciliary Hospitalization
On a doctor’s recommendation, a policyholder can avail of medical care in the comfort of their home. Star health insurance plans cover domiciliary hospitalization up to specified sub-limits.
Star Health Insurance Exclusions
Star Health Insurance plans do not cover the following:
Self Inflicted Injuries
Star health policies will not cover injuries or hospitalization caused by self-harm.
Obesity or Weight Control Treatments
Star Health Insurance plans mostly do not cover treatments related to obesity and weight management such as bariatric surgeries.
Cosmetic Procedures
Star Health Insurance plans do not cover any kinds of cosmetic surgeries or treatments.
Adventure Sports
Star Health Insurance plans will not cover you for hospitalizations, or accidents caused due to adventure sports.
Involvement In Illegal Activities
Star health insurance company plans do not cover individuals or families for hospitalization or injuries caused due to unlawful activities.
What Are The Different Waiting Periods In Star Health Insurance Plans?
The various waiting periods associated with Star Health plans are:
Initial Waiting Period
Begins from the date of purchase and lasts for up to 30 days for most Star Health Insurance plans.Pre-existing Disease Waiting Period
Star Health Insurance plans require you to serve specific waiting periods in case you are diagnosed with PEDs such as hypertension, diabetes, or any other.Survival Period
Like waiting periods, Star health insurance plans with critical illness coverage have a survival period. During this period policyholders diagnosed with any listed critical illness must outlive the survival period to enjoy coverage benefits.
Riders Of Star Health Insurance
Star health insurance plans offer comprehensive coverage. However, to enhance your health insurance experience the health insurer provides add-on covers too.
Young Star Extra Protect
This additional cover enhances the limit of your existing cover. It is available for individuals who have purchased Star Health's 'Young Star Insurance Policy' with a minimum sum insured of INR 10 Lakhs. This additional rider ensures features such as:- Coverage for non-medical items
- Enhanced limits for modern treatments
- Home care treatment cover
Star Extra Protect
This additional rider is available for individuals who have purchased the Family Health Optima Insurance Plan/Star Comprehensive Insurance Policy/Medi Classic Insurance Policy (Individual), with a minimum sum insured of INR 10 Lakhs. This additional rider ensures features such as:- Enhanced limits for AYUSH treatments
- Option to choose a deductible to share health insurance costs with the insurer
- Home care treatment
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.
Star Health Insurance Plans Buying Process
If you are looking forward to purchasing Star Health insurance online follow the simple steps below:
Purchase Star Health Insurance Plans Through PolicyX
-
Step 1
Visit the PolicyX health insurance page, and enter your details such as name, age, number of members to be covered, and city.
-
Step 2
Click on 'Get free quotes' and compare Star Health Insurance Plans as per your needs.
-
Step 3
Select and pay premiums online for the purchased star health insurance plan of your choice.
-
Step 4
Our team of insurance experts at PolicyX will provide you with all the assistance required regarding claims and other queries post-purchase of your Star Health Insurance plan.
Star Health Insurance Renewal Process
Follow the steps for Star Health Insurance policy renewal
- Visit the official website of Star Health Insurance Company
- Click on the ‘Renew’ tab
- Mention your ‘Policy Number’ and ‘Date Of Birth’
Connect with our insurance experts for Star health insurance policy renewal at 1800 - 4200 - 269
Star Health Insurance Plan Claim Process Steps
You can file for cashless as well as reimbursement claims for your Star Health Insurance Plans by following these easy steps:
-
Step 1
Visit the website of Star Health Insurance, and select the "Claim" option. Then click on the "Claim Intimation" to check out the form.
-
Step 2
Now select "health claim" and require the information which is the policy number, date of birth, and other details they ask for.
-
Step 3
Now select the "claim type", whether you want to opt for a cashless claim or reimbursement. Click on the authorize and you will receive the OTP on the verified number.
-
Step 4
Get verified with the OTP and fill in the required hospital admission information, select the hospital, and fill in the hospital details in case of a non-network hospital.
-
Step 5
Upload the documents asked and click on the "review" button.
-
Step 6
After clicking on the review button you need to submit the intimation for the company to review. You will receive a claim intimation number which you need to note down for future purposes.
More Queries?
If you have any more queries regarding Star Health Insurance Plans, Renewals, or Claim Procedures, contact our insurance experts at 1800-4200-269 now!
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Written By: Simran Kaur Vij
Simran is an insurance expert with more than 3 years of experience in the industry. She may have all the answers to your insurance queries. With a background in Banking, she proactively helps her readers to stay on par with all the latest Insurance industry developments.
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