Star Health & Allied Insurance Co. Ltd. is a specialized health insurance company, dealing in quality-driven mediclaim policies. It has a wide array of comprehensive insurance plans for individuals, families, senior citizens, and corporations. Amidst the ongoing pandemic situation, Star health insurance company has started an exclusive program 'COVID-19 Talk to Star'. The program allows customers to interact with a panel of experts and gain factual information related to COVID-19.
The company ensures to cater to everybody's medical needs, be it individuals, families or senior citizens, and offers plans that give extended coverage to the policyholders.
Star Mediclaim offers 22 Health Insurance policies keeping in mind the different healthcare needs of every individual. Continue reading to explore more about the Star Health Insurance Plans:
Key Features of Star Health Insurance Company
To get an insight into the company's performance and to decide whether you should buy it or not, take a look at the features of Star Health:
Network Hospitals: With a cashless facility, your insurer will settle all your medical expenses with your healthcare provider. Star Health has a tie-up with 11,000+ hospitals in which you can get hospitalized (if required) and the insurer will directly settle the bill with the hospital. Explore the network hospitals of Star Health.
Solvency Ratio: To assess the company's ability to meet its long-term financial obligations, one must go through the solvency ratio of the company. As per IRDAI, maintaining the Solvency ratio of 1.5 is mandatory. At present the Solvency Ratio of Star Health is 1.69
Market Share: With the 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 2019-20, Star Health has a Market Share of 6,718.99 Cr.
Claim Settlement: Star Health's percentage of settling claims within 2 hours is 90%, which indicates that the company cares about its customer's needs at the time of medical emergencies.
No. of Branches: The company has a PAN India presence with 640 branches, which ensures that in case of any policy-related or claim-related queries, one can easily visit their nearest branch
All You Need To Know About Star Health Insurance? Find complete details in one go!
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 in different sections as given below:
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
Standard
Star Health Arogya Sanjeevani Policy
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 up to 50% of SI
20% rural discount available
Comprehensive
Medi Classic Insurance Policy (Individual)
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
Flexible
Star Health Gain Insurance Policy
Provides flexibility in terms of choosing the Sum Insured amount, premium amount, family size. It can be a perfect tax saver for you.
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
Critical Illness
Star Criticare Plus Insurance Policy
Provides reimbursement of hospitalization expenses and also provides a total amount of sum insured if the insured person is diagnosed with a major illness.
How To Calculate Star Health Insurance Plans Premium?
Star Mediclaim allows its customers to calculate their premiums online with the help of the Star Health Insurance Premium Calculator. This calculator helps the potential policyholder to get an idea of how much he needs to pay annually.
Star Health Insurance Premium Calculator calculates the annual premium on the below-mentioned factors:
Age of the Eldest Member
Chosen sum Insured
Type of plan (Individual/ Family Floater)
Policy Tenure
Know more about Star Health Insurance Plan Premium Calculator
Calculate Star Health 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 years
2 Adult
2 Adult+1 Child
2 Adult+2 Child
Average Premium
5L
11,150
13,710
16,275
13,711
10L
13,935
17,140
20,345
17,140
Star Comprehensive Policy
AGE 26
26 years
1 Adult
2 Adult
2 Adult+1 Child
2 Adult+2 Child
Average Premium
5L
7,015
10,420
13,170
14,800
11,351
10L
9,725
15,560
19,110
20,920
16,329
Senior Citizens Red Carpet
Policy Term 1 Year
1 Adult
2 Adult
Average Premium
10L
18,000
38,250
28,125
15L
29,205
49,650
39,428
Why Star Health Insurance Company?
It is very important to know about a health insurer before buying a health plan from it. We at PolicyX.com have compiled a list of USPs of Star Health to help you evaluate whether you should buy a Star Health policy or not.
No Third-Party Administration:For settling the claim of your Star Health Insurance Plans, you don't have to engage with TPA's, as the company offers hassle-free in-house claim settlement without the intervention of TPA.
11000+ network hospitals:With a wide network of empanelled hospitals, Star Mediclaim allows you to avail a cashless hospitalization facility.
PAN India presence:With more than 640 branches, Star Mediclaim ensures to resolve your concerns & queries anywhere across the country.
24*7 customer care support:For any query related to Star Health Insurance Plans, you can get in touch with the company 24*7 customer care support.
Wide Coverage:Star Health Insurance policy offers financial protection against several healthcare expenses in times of illness, sickness, medical emergencies, and accidents. The plan also offers coverage for Autism Spectrum Disorder, Diabetes, etc.
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.
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.
Star Health Insurance Renewal
Star Health Insurance company comes with a Lifetime Renewability feature, which means there are no restrictions or age bar on StarHealth 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.
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
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.
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.
9. Will the test for COVID-19 be covered under the policy?
The cost of the RT PCR Test fixed by the State/Central Govt will be covered.
10. 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.
11. Is there any policy that covers autism?
Yes, Autism is covered under Star Special Care health insurance policy.
12. Does Star Health insurance offer any specific plan for critical illnesses?
Star Criticare Plus Insurance Policy covers 11 critical illnesses.
13. What is the eligibility to purchase the autism plan of Star Health?
This policy is available to any child with autism who is between the ages of 3 to 25 years old.
14. Does Star Health offer restoration benefits under health insurance plans for a family?
Yes, Star Health offers a 100% of restoration benefit under some of their health plans.
15. What documents are required for claiming COVID-19 treatment?
The following are the required documents (original) :
Test reports (Govt. Approved Laboratories)
Bills of tests, hospital, and medicine
Discharge summary
Payment receipts
Claim forms
Star Health Insurance Reviews
Read what our customers have to say about Star health insurance company and Star health mediclaim policy.
Yash Sharma
Indore
January 18, 2022
Best comparison portal and best services given by policyx.com and this company is growing in insurance web aggregator sector
manish patel
Indore
December 29, 2021
This is best company compare to all web agrigaters com.
most imp to cistomer support
best for help
go with this
Subhash Chandra Pandey
Delhi
December 14, 2021
Amazing services with policyx.com . All the time 24*7 they are able to help you . Specially thanks to sanjiv sir for always better guidance.
Kanchan Gupta
Agra
August 9, 2021
Thanks to PolicyX for guiding me through my Star health insurance purchase. I had my doubts but they were effectively put to rest.
Shakti Kapoor
Ahmedabad
August 5, 2021
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 settle...
Pradeep Narayan Kushwaha
Other
July 31, 2021
We purchase a policy.Policy no.is P/161130/01/2022/053322.Our policy sell officer Miss Priya Pancholiya.she clear all policy doubt.She is a good advisor.
Rahul Yadav
Indore
July 31, 2021
Miss Priya Panchotiya (12807) is best employ of the Policyx.com. We are helpful to your organisation and specially sales team.
ajay shah
Mumbai
July 26, 2021
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 ...
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