Star Health Insurance
  • Specialized Health Insurer in India
  • Coverage for COVID-19 treatment
  • In-house claim settlement
Star Health Insurance
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Star Health Insurance

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
Highlight of Star Health Insurance
Star Health Insurance Plan Detailed Review
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Star Health Insurance Plans

Star Health medical insurance plans are designed to meet all the healthcare requirements of the masses. 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:

Star Health Individual & Family Plans


This policy is designed to provide complete protection against all health care eventualities to you and your family.

Unique Features

  • Health Checkup for Claim-Free Years.
  • Hospital Cash Benefit
  • 100% Automatic Restoration


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


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 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


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


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.

Unique Features

  • All Daycare procedures
  • Coverage for Modern Treatment
  • Outpatient Expense

Star Health Specialized Plans

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


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.

Unique Features

  • Modern Treatment Covered
  • Non-allopathic Treatment
  • Coverage for Medicine and drugs cost

Star Health Pre-existing Diseases Plans


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

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 Policy

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 Diabetes Safe Insurance Policy

Designed specifically for diabetic persons. Hospitalization related to diabetes and non-diabetic problems is covered under this plan.

Unique Features

  • 30 days waiting period
  • Automatic restoration of Sum Insured
  • Outpatient Expenses

Star Health COVID-19 Specific Plans


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


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


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

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 years2 Adult2 Adult+1 Child2 Adult+2 ChildAverage Premium

Star Comprehensive Policy

AGE 26

26 years1 Adult2 Adult2 Adult+1 Child2 Adult+2 ChildAverage Premium

Senior Citizens Red Carpet

Policy Term 1 Year1 Adult2 AdultAverage Premium

Why Star Health Insurance Company?

It is very important to know about a health insurer before buying a health plan from it. We at 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

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

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

  • IRDAI Approved: The Insurance Regulatory Development Authority of India (IRDAI) is a regulatory body created to protect the policyholder's interest. follows all the guidelines and protocols approved by the IRDAI.
  • Free Comparison Service: With, 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, 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 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.
Why Choose 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 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.

Know more About Star Health Claim Process

Documents Required for Reimbursement Claim

  • 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

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



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. 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.

Customer Review Image

Yash Sharma


January 18, 2022

Best comparison portal and best services given by and this company is growing in insurance web aggregator sector

Customer Review Image

manish patel


December 29, 2021

This is best company compare to all web agrigaters com. most imp to cistomer support best for help go with this

Customer Review Image

Subhash Chandra Pandey


December 14, 2021

Amazing services with . All the time 24*7 they are able to help you . Specially thanks to sanjiv sir for always better guidance.

Customer Review Image

Kanchan Gupta


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.

Customer Review Image

Shakti Kapoor


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...

Customer Review Image

Pradeep Narayan Kushwaha


July 31, 2021

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.

Customer Review Image

Rahul Yadav


July 31, 2021

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

Customer Review Image

ajay shah


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 ...