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Star Health Insurance

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

  • Best BFSI Brands 2019 by Economic Times
  • Best Health Insurance Provider of the year by Money Today Financial Awards 2018-2019
  • Health Insurance Provider of the Year Silver Award by Outlook Money Awards 2018
  • Best Health Insurance Provider of The Year by Money Today Financial Awards 2017-18
  • Health Insurance Company of the Year 2017 - Fintelekt Insurance Awards 2017
  • W.H.O Award Of Excellence 2017
  • Best Health Insurance Company of 2017 by CMO Asia
  • Best Health Insurer by Outlook Money Awards 2016
  • Top 25 Most Innovative Company-CII Industrial Innovation Awards - 2016

Why Should I Buy Star Health Insurance?

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 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

What Are The Key Features Of Star Health Insurance?

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:

  1. Network Hospitals

    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

    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 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.

  2. Solvency Ratio

    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

    Solvency Ratio of Star Health Insurance Company

    ** Data from IRDAI Annual Reports 2019-20

  3. Claim Support

    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.

  4. Market Share

    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

    Market Share of Star Health

    ** Data from IRDAI Annual Reports 2019-20

  5. Pan India Presence

    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.

  6. In-House Claim Settlement

    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.

Types of Health Plans Offered By Star Health

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:

  1. Senior Citizens Red Carpet Health Insurance Policy

    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:

    • A discount of 10% is allowed on the premium on submission of the medical test reports like Stress Thallium, Sugar (blood and urine), Blood, Urea, and Blood Pressure of the policyholder.
    • 50% of the sum insured/hospitalization is granted for the payment of expenses such as the cost of pacemaker, blood, oxygen, operation theatre charges, anesthesia, etc.
    • 25% of the sum insured/hospitalization is provided towards the payment of specialist's fees, anesthetist, medical practitioner, consultants, and surgeon.

    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

  2. Star Comprehensive Insurance Policy

    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:

    • The cost of availing services of a surgeon, anesthetist, medical practitioner, consultants, medical facilities such as anesthesia, blood, oxygen, operation theatre charges, pacemaker, medicine, and drugs, etc. are all covered under the plan.
    • The plan also covers road ambulance charges (as per specified limits) for emergency transportation to the hospital or from one hospital to another for better treatment.
    • Choice of 'Second Medical Opinion' for those policyholders who are uncertain about the diagnosis results of a particular disease and desire to get another professional advice before starting treatment for the same.
    • The plan offers a Star Wellness Program, which intends to promote a healthy lifestyle and reward the policyholder for following the same. The wellness points earned by the Insured Person(s) under the wellness program can be utilized to get a discount in premium.

    Eligibility Criteria:

    Age of Entry 3 months - 65 years
    Sum Insured (in Rs.) 5 lakhs -1 Crore

    **Last Updated on 01-04-2021

  3. Family Health Optima Insurance Policy

    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:

    • Grab automatic restoration of the sum insured if the insured has consumed the whole amount of the sum insured through continuous claims. The refill can be raised to 3 times at 100% (every time).
    • In-patient hospitalization and air ambulance expenses are also covered by the plan.
    • The plan offers compensation (Rs. 5,000/policy period) for the return of the mortal remains of the insured. The cost will include the cost of embalming, coffin charges, etc.

    Eligibility Criteria:

    Age of Entry 18 years-65 years
    Sum Insured (in Rs.) 1 Lakh-25 Lakhs

    **Last Updated on 01-04-2021

  4. Medi Classic Insurance Policy (Individual)

    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:

    • Emergency ambulance facility for each hospitalization (up to Rs. 1,500 per policy term).
    • A gradual restoration of the sum insured by 200% (once during a policy period) if all the benefits plus the sum insured have been utilized towards the claim settlement.
    • A cumulative bonus equal to 25% of the sum insured (maximum) is credited for every claim-free year.

    Eligibility Criteria:

    Age of Entry 16 days-65 years
    Sum insured (in Rs.) 1.5 Lakhs-15 Lakhs

    **Last Updated on 01-04-2021

  5. Star Health Gain Insurance Policy

    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:

    • The plan covers ambulance charges up to Rs. 750 per hospitalization and an overall limit of Rs. 1,500 per policy period.
    • Expenses incurred on treatment of Cataract are covered up to Rs. 60,000, subject to the limits chosen by the policyholder.
    • The plan also offers coverage for modern treatments such as Uterine artery Embolization and HIFU, Balloon Sinuplasty, Deep Brain Stimulation, Robotic surgeries, IntraVitreal injections, Stereotactic radio surgeries, etc.

    Eligibility Criteria:

    Age of Entry 91 days-65 years
    Sum Insured (In Rs.)1 Lakh-5 Lakhs

    **Last Updated on 01-04-2021

  6. Star Diabetes Safe Insurance Policy

    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:

    • An amount equal to 100% of the sum insured is restored on the exhaustion of the basic sum insured.
    • Emergency Ambulance charges (Rs. 2,000 each policy period) are covered to help the insured person at the time of immediate hospitalization.
    • Donor expenses for Kidney Transplantation Surgery and Dialysis expenses @ Rs. 1,000/- per sitting payable up to 24 months are covered.

    Eligibility Criteria:

    Age of Entry 18 years - 65 years
    Sum Insured (In Rs.) 3 Lakhs - 10 Lakhs

    **Last Updated on 01-04-2021

  7. Star Cardiac Care Insurance Policy

    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:

    • The plan is available in two options- gold and silver. The individual is free to choose the variant as per their need.
    • The plan offers hospitalization coverage for cardiac ailments, accidents, and non-cardiac ailments.
    • Expenses for the treatment of Cataracts are payable up to Rs. 20,000 per hospitalization and Rs.30,000 for the entire policy period.

    Eligibility Criteria:

    Age of Entry 10 years-65 years
    Sum Insured (In Rs.) 3 Lakhs & 4 Lakhs

    **Last Updated on 01-04-2021

  8. Star Cancer Care Gold (Pilot Product)

    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:

    • Room rent (single standard A/C), boarding, nursing expenses including consultants, anesthetist, medical practitioner, surgeon's fee for taking consultation/advice due to cancer are covered.
    • Under this plan, there is no requirement for a pre-acceptance medical check-up.
    • An indemnity cover of Rs. 50,000-Rs. 1 lakh is given for non-surgical and non-interventional therapy of cancer.

    Eligibility Criteria:

    Age of Entry 5 months-65 years
    Sum Insured (in Rs.) 3 Lakhs and 5 Lakhs

    **Last Updated on 01-04-2021

  9. Star Care Micro Insurance Policy

    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:

    • The plan offers coverage for the room, boarding, and nursing charges at 0.75% of the sum insured (either in a private room or shared accommodation).
    • A Hospital cash benefit of Rs. 1,000 per day of hospitalization (maximum of 14 days) will be paid, provided the treatment is taken in a government hospital.
    • The plan does not require any pre-acceptance medical screening.

    Eligibility Criteria:

    Age of Entry 18 years-65 years
    Sum Insured (Floater Policy) Rs. 1 Lakh

    **Last Updated on 01-04-2021

  10. Star Criticare Plus Insurance Policy

    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:

    • The first diagnosis of cancer
    • Chronic Kidney Disease
    • Brain tumor
    • Major Organ transplant for the 1st time
    • The occurrence of the following events for the first time-

      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:

    • The plan offers a lump sum amount in case the insured person is diagnosed with any of the listed major illnesses (for the first time) during the policy period.
    • The plan covers emergency ambulance charges up to Rs. 750 per hospitalization and an overall limit of Rs. 1,500 per policy period.
    • Ayush treatments up to 25% of the sum insured (maximum of Rs. 25,000 per policy period) are covered.

    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

  11. Star Family Delite Insurance Policy

    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:

    • The plan covers ICU expenses up to 1.5% of the opted sum insured.
    • Emergency ambulance charges of Rs. 750/hospitalization (maximum of Rs. 1,500 per policy period) are covered under the policy.
    • Pre-acceptance medical screening is mandatory for people above 50 years of age.

    Eligibility Criteria:

    Age of Entry 18 years - 65 years
    Renewability Lifetime

    **Last Updated on 01-04-2021

  12. Star Special Care Policy

    Star Special Care is a health insurance plan designed to cover children who are diagnosed with Autism Spectrum Disorder.

    Key Features of this Plan:

    • Room, boarding, and nursing expenses are covered (up to Rs. 5,000 per day) by the plan.
    • Fees of surgeons, anesthetists, medical practitioners, consultants, and specialists are also covered.
    • There is no requirement for a pre-acceptance medical check-up.

    Eligibility Criteria:

    Age of Entry 3 years - 25 years
    Sum Insured (In Rs.) Rs. 3 Lakhs

    **Last Updated on 01-04-2021

  13. Star Micro Rural and Farmers Care Policy

    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:

    • All daycare procedures are covered under this policy.
    • The plan covers the expenses (up to Rs.10,000 per eye and up to Rs. 15,000 per policy period) that are incurred on the treatment of Cataract.
    • Up to 4 family members can be covered under this policy, including self, spouse, and 2 dependent children.

    Eligibility Criteria:

    Age of Entry 18 years-65 years
    Sum Insured (In Rs.) Rs. 1 Lakh-2 Lakhs

    **Last Updated on 01-04-2021

  14. Star Outpatient Care Insurance Policy

    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:

    • The plan offers three different variants to choose from: Gold, Silver, and Platinum.
    • The plan offers coverage for outpatient medical consultation and treatment expenses that occur against Ayurveda, Yoga and Naturopathy, Unani, Siddha, and Homeopathy systems.
    • Dental treatment expenses to a natural tooth or teeth arising out of accidents are covered under the plan.

    Eligibility Criteria:

    Age of Entry 18 years-50 years
    Sum Insured (In Rs.) 25 Thousand-1 Lakh
  15. Star Hospital Cash Insurance Policy

    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:

    • The policy offers 2 different variants to select from: Basic and Enhanced Plan.
    • The plan is liable to cover pre-existing diseases after 24 & 36 months (enhanced & basic options) of continuous coverage.
    • The plan offers hospital cash benefits under two options:

      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

  16. Young Star Insurance Policy

    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:

    • The plan doesn't require pre-acceptance medical screening to be eligible for purchase.
    • The plan offers the Automatic Restoration of 100% of Basic Sum Insured if the coverage provided is fully utilized.
    • If you meet with a road accident (resulting in hospitalization), the plan will increase your basic sum insured by 25% (maximum Rs.10 Lakhs).

    Eligibility Criteria:

    Age of Entry 18 years-65 years
    Sum Insured (in Rs.) 5 Lakhs to 1 Crore

    **Last Updated on 01-04-2021

  17. Arogya Sanjeevani Policy, Star Health

    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:

    • Under this plan, you will get coverage for AYUSH treatment expenses up to the sum insured limit.
    • People who are above 50 years of age have to undergo a pre-acceptance medical check-up.

    Eligibility Criteria:

    Age of Entry 3 months-65 years
    Sum Insured (in Rs.) 1 Lakh-10 Lakhs

    **Last Updated on 01-04-2021

  18. Star Novel Coronavirus (nCoV) (COVID-19) Insurance Policy (Pilot Product)

    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:

    • A waiting period of 16 days is applicable to get coverage.
    • No pre-policy medical check-ups are required before policy purchase.
    • If the insured person is not happy with the TnCs of the policy, they will have 15 days from the date of receipt to cancel it.

    Eligibility Criteria

    Age of Entry 18 years-65 years
    Sum Insured (In Rs.) 21,000 & 42,000

    **Last Updated on 01-04-2021

  19. Corona Rakshak Policy, Star Health, and Allied Insurance Co. Ltd.

    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:

    • The plan pays out 100% Lump-sum on a positive diagnosis of COVID by the Govt authorized center.
    • No Pre-acceptance medical screening is required.


    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

  20. Corona Kavach Policy, Star Health and Allied Insurance Co Ltd.

    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:

    • Cover for pre-hospitalization expenses up to 15 days and post-hospitalization expenses up to 30 days.
    • The plan looks after the medical expenses during home care (up to 14 days).
    • AYUSH treatments can also get covered under this plan.


    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

  21. Star Super Surplus Insurance Policy

    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.


    • Room rent, boarding, and nursing expenses (maximum of Rs. 4,000 per day) are covered under the silver variant.
    • Expenses like the cost of pacemakers, blood, oxygen, operation theatre charges, anesthesia, drugs, and other related expenses are also covered.
    • Emergency ambulance charges up to Rs. 3,000 per hospitalization are handed out by the insurer under the gold variant.

    Eligibility Criteria

    Age of Entry 18 years - 65 years
    Policy Period 1 year

    **Last Updated on 01-04-2021

What Are Star Health Plan Exclusions?

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:

  • Injuries due to participating in adventurous sports.
  • Use and abuse of intoxicant substances such as drugs and alcohol.
  • No coverage for venereal or sexually transmitted diseases such as HIV or AIDS or its related illnesses.
  • This policy does not cover any claim caused due to war or likable conditions.

How to buy Star Health Insurance Plans?

Ideally, there are two ways to buy- from the company itself and a trusted web aggregator ( Let's learn more about them.

Star Health Insurance Buying Process

  • Visit the official website of the company and click on the 'Buy Now' tab.
  • Fill in all the necessary details.
  • Once you have selected the plan of your choice, make the premium payment.
  • Your policy document will be mailed to you at your registered email address.

If you want a dedicated agent by your side during the claim settlement process, then you should consider choosing for buying Star Health insurance. Below is its buying process.

  • 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 with you on your registered email.

What Is the Star Health Renewal Process?

In case you want to renew your policy, just follow the steps below-

  • Visit the official website of Star and click on 'Renewals'
  • The next step is to enter your details such as policy number and date of birth.
  • Once done, you will be redirected to the payment page. Make the payment and the renewed policy details will be shared at your mail address.

What is the claim process of Star Health Insurance Plans?

The company grants two simple ways to file claims. Here they are-

Cashless Claim Settlement Process

  • The cashless facility is only available at the network hospitals of Star Health.
  • Reach the insurance desk of the hospital, inform the company and show your health identity card.
  • You can download the pre-authorization form from the company's website. Fill in the details and submit the form.
  • The form will be submitted to the company and will be processed further for verification.
  • The company's assigned field doctor may visit you (if required).
  • On successful verification and acceptance of the claim, the insured can enjoy a cashless treatment facility. All the bills will be looked after by the company.

Reimbursement Claim Settlement Process

  • The reimbursement claim is applicable if the treatment is taken at a non-network hospital or if the cashless claim has been rejected.
  • Contact the company within 24 hours of hospitalization.
  • Avail treatment, settle all the bills, and file a claim for reimbursement.
  • Submit the required documents like hospital bills, pharmacy bills, together with all the original documents of treatment and the claim form to the company within 15 days of the discharge.
  • The company will verify all the information and process the claim. The confirmation of the same will be communicated to you over call or email.
  • If approved, you will receive the reimbursement amount in your registered bank account.

Documents Required:

  • Completed claim form with necessary details like present address, contact number, and e-mail ID.
  • Original bills, receipts, and discharge certificates/cards from the hospital.
  • Original bills from chemists are supported by proper original prescriptions.
  • Receipt and investigation test reports from a pathologist supported by the note from the attending medical practitioner/surgeon prescribing the test.
  • Nature of operation performed and surgeon's bill and receipt.
  • Self-declaration/MLC/FIR in case of accident cases.
  • Treating doctor's certificate.
  • NEFT and KYC details.
  • Others as requested by the company.

Star Health Insurance Review

As per our thorough research and unbiased analysis, we at 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 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 Plan Detailed Review

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

Customer Care:

Toll-free Number: 1800-425-2255/1800-102-4477

E-mail: support[at]starhealth[dot]in

Star Health Insurance: FAQs

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.

5. Can I port my Star Health Insurance Policy?

Yes, you can. The company allows the policyholder to port their policy to other insurers. As per the IRDAI guidelines, one can port their policies at least 45 days before, but not earlier than 60 days from the policy renewal date.

6. Does the company offer coverage for maternity expenses?

Yes, a few plans of Star Health such as the Comprehensive Plan offers coverage against Maternity expenses.

7. How many times am I allowed to make a claim during a policy period?

One can make any number of claims during the policy period until and unless your sum insured cover is exhausted.

8. From where can I find the TPA's list of Star Health for processing my claims?

The best thing about Star Health is that there are no Third Party Administrators (TPA's). The company has their direct in-house claims settlement team that ensures your claims are settled on time without any hassles.

Find Out What Customers Are Saying

(Showing latest 5 reviews only)

- 4.4/5 (120 Total Rating)

August 9, 2021

Kanchan Gupta


Thanks to PolicyX for guiding me through my Star health insurance purchase. I had my doubts but they were effectively put to rest.

August 5, 2021

Shakti Kapoor


Maine ye health insurance plan Liya star health se, aur Mujhe bahut acha respone mila company ki taraf se aur mujhe apna claim settle karane mai bhi jyada mehnat nahi karni padi, Is company ka claim settlement process bht asan hai aur PolicyX ne meri bht madat kari har jagah aur har information ke liye.

July 31, 2021

Pradeep Narayan Kushwaha


We purchase a policy.Policy P/161130/01/2022/053322.Our policy sell officer Miss Priya Pancholiya.she clear all policy doubt.She is a good advisor.

July 31, 2021

Rahul Yadav


Miss Priya Panchotiya (12807) is best employ of the We are helpful to your organisation and specially sales team.

July 26, 2021

ajay shah


It has been a great experience with sale as well aftermath personnels, of your organisation. They have define and help to core to add me as future loyal customer. Highly appreciate the efforts of Mr Dev k Singh and Rahul to close the deal very comfortably. Once again accept my best wishes to your company and especially the team as frontliner for tie up for our great future relationship and they do stand highest rank in professionalism.

Last updated on 01-04-2021

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