Star Health Health Insurance

Star Health Health Insurance
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Star Health Insurance

Star Health & Allied Insurance Co. Ltd. started its operations in 2006 as India's first Standalone Health Insurance provider. It specializes in providing health insurance at low-cost rates to its customers.

Star Health Insurance offers excellent plans that give extended coverage to you, your families, and corporate as well. It offers great services in Health, Personal Accident and Overseas Travel Insurance. The company has achieved service excellence and always comes out with innovative products for delivering the best to its customers. Recently, Star Health has introduced a new pilot product to provide coverage to COVID-19 patients.

Highlights of Star Health Insurance

Incurred Claim Ratio63%
RenewabilityLifetime
Network Hospitals9,900+
Waiting Period4 years

Table Data updated on 31-07-2020

Star health insurance

Other Highlights

  • The company has a pan India presence with 550+ branch offices.
  • Apart from basic health insurance plans, the company carries products for Diabetes/Heart/HIV patients.
  • Simple and hassle-free in-house claim settlement without any intervention of TPA.
  • 24 X 7 free medical advice and expert Doctor consultation.
  • It offers free ‘Second Medical Opinion' to its customers.
  • Hospitalized customers will get a personalized doctor visit.
  • Awards and honours- Best Health Insurance Provider of the year 2018– Business Today, Money Today financial awards 2018 – 2019 and India's leading Insurance Company of the year– Dun & Bradstreet BFSI Summit & Awards 2019.

Types of Star Health Insurance

1. Star Comprehensive Insurance Policy

Star Comprehensive plan is the topmost choice of customers due to its wider coverage with affordable premium rates. The plan offers complete security against medical expenses arising out of any disease.

Features & Benefits

  • Maximum coverage of Rs. 5,000 per day is provided as a daily allowance for room charges, boarding and nursing expenses.
  • Single private A/C room facility for sum insured of more than Rs. 5 lakhs.
  • Cost coming through availing services by a surgeon, anaesthetist, medical practitioner, consultants, medical facilities such as anaesthesia, blood, oxygen, operation theatre charges, pacemaker, medicine, and drugs etc. are all covered under the plan.
  • Ambulance service charges up to Rs. 750 per hospitalization in case the insured needs immediate transportation to a nearby hospital.
  • Air Ambulance facility available on the chosen sum insured and can be used up to 10% of the sum insured amount.
  • 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.

Eligibility Criteria

Minimum age of Entry5 years and 91 days for children
Maximum age of Entry65 years
Sum InsuredRs. 3 lakhs to Rs. 50 lakhs
Number of members can be includedIndividuals Basis: 1 member
Family Floater Basis: 6 members

Table Data updated on 31-07-2020

2. Senior Citizens Red Carpet Health Insurance Policy

Star Health Senior Citizens Red Carpet policy caters to fulfil healthcare expenditure and provide a secure future to the senior citizens above 60 years of age.

Features & Benefits

  • Covers in-patient hospitalization expenses for treatment of specific ailments which last for more than 24 hours.
  • A discount of 10% is allowed on the premium on submission of the following medical test reports of the policyholder like Stress Thallium Report, Sugar (blood and urine), creatinine, Blood, Urea and Blood Pressure Report.
  • 50% of the sum insured is granted for the payment of expenses such as cost of pacemaker, blood, oxygen, operation theatre charges, anaesthesia etc.
  • 25% of the sum insured is provided towards the payment of specialist's fees, anaesthetist, medical practitioner, consultants, and surgeon.
  • Out-patient consultation for any minor illness in any network hospital, where a sum of Rs. 200 is given for each consultation. The consultation limit per person per policy year will depend upon the coverage amount opted.

Eligibility Criteria

Minimum Age of Entry60 years
Maximum Age of Entry75 years
Sum InsuredRs 1/2/3/4/5/7.5/10/15/20/25 lakhs
Number of members can be includedUnder Individuals Policy: 1 member
Under Family Floater: Maximum of 4 members

Table Data updated on 31-07-2020

3. Star Super Surplus (Floater) Insurance Policy

Star Super Surplus insurance is a health Top Up Plan available on a floater basis that provides safety to the policyholder by covering all daily medical costs that can slowly drain your savings. It also offers higher sum insured options with varied plans at nominal prices.

Variants

  • Silver Plan: The plan provides limited cover for pre and post-hospitalization, boarding and nursing expenses, consultant's fee, surgeon's fee and room charges.
  • Gold Plan: Covers all medical costs mentioned under the silver plan plus single standard A/C room, maternity expenses, organ donor expenses, emergency ambulance charges, air ambulance, recharge benefit, medical second opinion, etc.

Features & Benefits

  • Room rent, boarding, nursing expenses subject to a maximum of Rs. 4,000 per day for in-patient hospitalization.
  • Expenses like the cost of pacemakers, blood, oxygen, operation theatre charges, anaesthesia, drugs and other related expenses are covered.
  • Pre-hospitalization up to 30 days and post-hospitalization are covered up to 60 days.
  • Treatment of cataract and diseases related to replacement of bones, cysts, thyroid diseases, diseases of ent, biliary diseases, hernia, diseases related to female sexual organs, eyes chambers, etc. are covered.
  • Emergency ambulance charges up to Rs. 3,000 per hospitalization.
  • Delivery expenses including Caesarean section Delivery (including prenatal, post-natal expenses and lawful medical termination of pregnancy) up to Rs. 50,000 is given per policy period. The maximum number of 2 deliveries are covered.
  • Organ donor expenses for organ transplantation of the policyholder are also covered under the policy.

Eligibility Criteria

Minimum age of entry18 years for adults
91 days for children
Maximum Age of entry65 years for adults
25 years for dependent children
Sum InsuredFor Silver Plan: Rs. 7/10 lakhs
For Gold Plan: Rs. 5/10/15/20/25 lakhs
Number members can be includedFor Silver Plan Family Floater: 4 members
For Gold Plan: 5 members

Table Data updated on 31-07-2020

4. Family Health Optima Insurance Plan

Star Family Health Optima Plan satisfies the healthcare needs of the individuals and family through compensation of the medical expenses arising out of hospitalisation, surgeries/treatments/diagnosis tests, health check-ups, etc.

Features & Benefits

  • The automatic refill of the sum insured if the insured has consumed the whole amount of sum insured through continuous claims. The refill can be raised up to 3 times by 100% (every time).
  • Additional Sum Insured for Road Traffic Accident (RTA) that caused wreckage to body parts and made the insured admitted to a hospital. A maximum of Rs. 5 lakhs is allowed from the sum insured.
  • In-patient hospitalization and air ambulance cover are also covered by the plan.
  • Newborn baby expenses like daily nutrition, vaccinations, medication, etc. are covered up to Rs. 50,000 or 10% of the sum insured, and the coverage will start from the 16th day after the birth.
  • Return of mortal remains where Rs. 5,000 is given towards compensating the cost of return concerning the insured and delivery of same to the home of the insured. The cost will include the cost of embalming, coffin charges, etc.
  • Shared accommodation for any kind of treatment during in-patient hospitalization.
  • Donor Expenses for Organ Transplantation as advice to the insured person by a medical expert.
  • Annual health check-up cost is covered up to a maximum of Rs. 3,500.

Eligibility Criteria

Minimum age of Entry18 years
Maximum age of Entry65 years
Sum InsuredRs. 3/4/5/10 lakhs
Number of members can be includedUnder individuals policy: One member Under Family Floater: 6 members

Table Data updated on 31-07-2020

5. Medi Classic Insurance Policy (Individuals)

Medi Classic Insurance Policy offers safety against health-related expenses of individuals and family members under affordable premium rates. The motive behind this plan is to keep your savings untouched by delivering on-time coverage during emergencies such as treatment of any illness or accidents.

Features & Benefits

  • All the expenses covered under the in-patient hospitalization are duly paid such as pharmacy bills, consultation fee, surgeon fee, doctor's fees, blood, rooms service charges, nursing, operation theatre cost, etc. up to 1% of the sum insured.
  • Emergency ambulance facility for each hospitalization up to Rs. 1500 per policy term.
  • Non-allopathic treatment where the insured is subject to receive 25% of the sum insured chosen.
  • A gradual restoration of the sum insured by 200%, 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 is credited to the benefit pool of this plan. The bonus is given only when no claim is exercised by the insured in a policy year.

Eligibility Criteria

Minimum Age of Entry18 years for adults
91 days for children
Maximum age of Entry65 years for adults
25 years for dependent children
Sum insuredRs. 1.5 /2/3/4/5/10/15 lakhs
Number of members can be includedUnder individuals Policy: 1 member
Under Family Floater: Maximum of 4 members

Table Data updated on 31-07-2020

6. Star Health Gain Insurance Policy

Star Health Gain policy is a kind of health insurance plan that fulfils the healthcare demands of both individuals and families of different ages with different medical necessities.

Features & Benefits

  • Ambulance charges up to Rs. 750 per hospitalization and Rs. 1500 air ambulance charges per policy year are provided under the plan.
  • Cover for pre-hospitalization expenses up to 30 days and post-hospitalization expenses up to 60 days are offered by the policy.
  • The plan covers 101 daycare procedures for certain diseases like eye problems, gynaecology operations, neurology related illness, oncology-related problems, etc. that do not require more than 24 hours of doctor's supervision.
  • Special coverage for treatment of Cataract where the maximum limit of coverage amount is according to the sum insured chosen, e.g. Rs. 60,000 is provided for Rs. 5 lakhs sum insured chosen.

Eligibility Criteria

Minimum Age of Entry18 years for adults
91 days for children
Maximum Age of Entry65 years for adults
25 years for dependent children
Sum InsuredRs. 1/2/3/4/5 lakhs
Number of members can be includedUnder individuals Policy: 1 member
Under Family Floater policy: Maximum of 4 members

Table Data updated on 31-07-2020

7. Star Diabetes Safe Insurance Policy

Star Diabetes Safe Insurance policy is a diabetes centric health insurance plan that gives financial support to the person who is suffering from Type I or Type II Diabetes Mellitus, which can cause dangerous effects on the body of a policyholder.

Variants:

  • Plan A: The insured will get coverage for diabetes from the first day of the policy without a long waiting period. Also, there is no need to appear for a medical examination to become eligible to purchase the plan.
  • Plan B: This plan involves a waiting period of 12 months provided the insured infected with diabetes has to take the treatment in a Star Health network hospital. This plan mandates the requirement for a pre-policy check-up before buying the policy.

Features & Benefits

  • In-patient hospitalization costs for diabetes, non-diabetic diseases, and accidents of the policyholder that cover:
    1. Room (single standard A/C room), boarding and nursing charge during the stay in hospital.
    2. Surgeon's fees, consultant's fees, or anaesthetist's fee.
    3. Oxygen, diagnostic expense, blood and all other treatment materials.
    4. Drugs, pharmacy bills and diagnostic tests.
  • An amount equal to 100% of the sum insured is restored on exhaustion of the basic sum assured.
  • The policy offers 101 day care procedures and there are no limitations on the number of day care treatments that can be availed during the policy term.
  • Emergency Ambulance charges equivalent to Rs. 2000 each policy period to help the insured person at the time of immediate hospitalization.
  • Donor expenses for kidney transplantation surgery where expenses associated in-patient treatment of organ donors are included.
  • Dialysis expenses of Rs. 1000 per sitting payable up to 24 months, commencing from the month in which the need for dialysis is recommended, provided the policy is in force.

Eligibility Criteria

Minimum Age of Entry18 years
Maximum Age of Entry65 years
Sum InsuredRs. 3/4/5/10 lakhs
Number of members can be includedFor Individuals Only

Table Data updated on 31-07-2020

8. Star Cardiac Care Insurance Policy

Star Health Cardiac Care offers multiple benefits in a single policy especially made for the patients suffering from heart ailments.

Variants:

  • Gold Plan: Covers cardiac ailments, accidental injuries, and non-cardiac ailments. The cover is available for surgical intervention only.
  • Silver Plan: In addition to all the above-mentioned benefits, this plan also covers medical management along with surgical intervention and offers a higher sum insured option than the silver plan.

Features & Benefits

  • A person who has undergone any of the below-illustrated surgeries/treatment are eligible to avail the policy:
    • Percutaneous Transluminal Coronary Angioplasty (PTCA)/Coronary Artery.
    • Bypass Graft (CABG) within 7 years period prior to the proposal.
    • Atrial Septal Defect (ASD) or Ventricular Septal Defect (VSD) which has been fixed by a treatment.
    • Treatment of Patent Ductus Arteriosus (PDA).
    • RF ablation practised for correction of prevailing cardiac condition.
    • Went for an angiogram where no intervention has been medically suggested after the whole process of treatment.
  • Room, boarding, and nursing expenses as a part of in-patient hospitalization are covered. The maximum coverage is Rs 5,000 per day.
  • A waiting period of 90 days is imposed to get the coverage and benefits of the policy.
  • Provision of expenses for pre-hospitalization up to 30 days and post-hospitalization up to 60 days.
  • Out-patient expenses availed at any hospital, daycare centre, clinic, a diagnostic centre that are in connection to Star Health Insurance. A maximum of Rs. 1500 is paid per event per policy period.
  • Expenses for treatment of Cataract are payable up to Rs. 20,000 per hospitalization.

Eligibility Criteria

Minimum Age of Entry10 years
Maximum Age of Entry65 years
Sum InsuredRs. 3/4/5/10 lakhs
Number of members can be includedFor Individuals Only

Table Data updated on 31-07-2020

9. Star Cancer Care Gold (Pilot Product)

Star has designed a Cancer Care Gold plan to provide adequate cover to cancer patients and its related complications.

Features & Benefits

  • Room rent (Single standard A/C), boarding, nursing expenses including consultants, anaesthetist, medical practitioner, surgeon's fee for taking consultation/advice due to cancer.
  • A lump sum amount equal to Rs. 1.5 lakhs for sum insured Rs. 3 lakhs and Rs. 2.5 lakhs for sum insured Rs. 5 lakhs is paid as indemnity for recurrence/metastasis at second stage cancer.
  • Covers surgical and interventional therapy where Rs. 1 lakh is provided under the plan.
  • Indemnity cover of Rs. 50,000 to Rs. 1 lakh will be given for non-surgical and non-interventional therapy of cancer.

Eligibility Criteria

Minimum Age of Entry5 months
Maximum Age of Entry65 years
Sum InsuredRs. 3/5 lakhs
Number of members can be includedFor Individuals only

Table Data updated on 31-07-2020

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

Star Novel Coronavirus plan is a newly launched health product in the insurance market to provide affordable cover for healthcare costs to fight against the recent COVID-19 (novel coronavirus).

Features & Benefits

  • A waiting period of 16 days is applicable to get the coverage of this plan.
  • No pre-policy medical check-ups are required prior to policy purchase.
  • The policyholder if diagnosed and reports positive with coronavirus and requires hospitalisation will receive a lump sum benefit of Rs. 21,000 and a maximum of Rs. 42,000.
  • The plan shall cease after the payment of lump sum benefit.
  • No in-patient hospitalisation expenses will be paid regardless of the fact that the patient is quarantined or not.

Eligibility Criteria

Minimum Age of Entry18 years for adults
3 months for children
Maximum Age of Entry65 years for adults
25 years for children
Number of members can be includedFor Individuals only

** Note: Children will be covered only if anyone parent is already covered under the policy.

Table Data updated on 31-07-2020

How To Renew Star Health Insurance Plans With PolicyX.com?

Step 1: Just click on this 'link' to renew your existing Star health insurance policy.

Step 2: Select the 'Health' category; enter the basic details like name, email, phone, city, etc. and submit'.

Step 3: Choose the plan for renewal from the list along with the company name and tap on 'Renew Now'.

Step 4: You will see the website of Star Health. Choose 'Renewals' given at the top of the page.

Step 5: Enter the policy number and date of birth then tap on the 'Renew Now' option.

Step 6: Make the payment. The renewal confirmation with the soft copy will be shared with you in your registered email id.

What Is the Claim Process of Star Health Insurance Plans?

Cashless Claim Settlement Process

  1. The cashless facility is only available at network hospitals of Star Health.
  2. Reach the insurance desk of the hospital and show your health identity card.
  3. They will assist you to download the pre-authorization form from Star health website. Fill the details and submit the form.
  4. The form will be processed further for verification.
  5. On successful verification and acceptance of the claim, the insured can easily enjoy a cashless treatment facility. All the bills will be looked after by the company.

Reimbursement Claim Settlement Process

  1. The reimbursement claim is applicable if the treatment is taken from a non-network hospital or for other medical expenses.
  2. Contact the company and download the claim form from its website.
  3. Submit the documents like hospital bills, pharmacy bills, etc. together with all the original documents of treatment and the claim form to the company.
  4. The company will verify all the information and process the claim.
  5. The confirmation of the same will be communicated to you over call or email.
  6. After this, the claim settlement process is done and you will receive the reimbursement amount in your registered bank account within 7 working days.

What Are the Documents Required for Claim Settlement of Star Health Insurance Plans?

  • Completely filled Claim Settlement Form.
  • Original receipts, bills and discharge certificate.
  • Receipt and investigation test reports from a pathologist/medical practitioner/surgeon prescribing the test.
  • KYC documents like Aadhaar Card, Voter Id, Pan Card, etc.
  • Details of your account for successful payment of claim settlement.

What Are the Exclusions of Star Health Insurance Plans?

  • Any injury illness arising due to involvement in wars, radioactivities, nuclear bombing are not covered under the plan.
  • Terrorist attacks, accidents or illness under the influence of harmful drugs, medicines, alcohol are also not covered.
  • Expenses related to spectacles and contact lenses, hearing aids, crutches, wheelchairs, and such other aids are not covered.
  • Circumcision/cosmetic/plastic surgery/aesthetic treatment are not covered.
  • Surgical processes for the treatment of obesity, weight control, and endocrine disorders.
  • Suicide cases and hernia are some of the permanent exclusions of Star health policies.

How To Contact Star Health & Allied Insurance Company?

Contact Address:

Star Health & Allied Insurance Co. Ltd, No.1, New Tank Street, Valluvarkottam High Road, Nungambakkam, Chennai - 600034

Customer Support:

Phone: 1800-103-5499
Toll-free Number: 1800-425-2255/1800-102-4477
E-mail: support@starhealth.in

Star Health Insurance: FAQs

1. What are the tax benefits if I purchase a Star Family Health Optima Insurance Plan?

All the premiums paid towards the policy are tax exempted under Section 80D of the Income Tax Act, 1961.

ConditionSelf, spouse, and dependent childrenParentsTotal Deduction Under Section 80D
Policyholder and his/her family is below 60 years of ageRs. 25,000Rs. 25,000Rs. 50,000
Policyholder and his/her family is less than 60 years of age and parents are above 60 years oldRs. 25,000Rs. 30,000Rs. 55,000
Policyholder and his/her parents are 60 years and aboveRs. 30,000Rs. 30,000Rs. 60,000

2. Which Star Health plan should I buy for my mother suffering from diabetes for the last 10 years and aged above 65 years?

Star Senior Citizens Red Carpet health insurance policy is the one you should buy for your mother and if she has not undertaken any in-patient treatment in the last 12 months, she will be covered for diabetes also at 50% co-payment.

3. Is it possible to purchase a star health plan if I am not a resident of India but dwelling in India?

Yes, Star Health Insurance policies cover the foreigners living in India however, the coverage is restricted in India only.

4. My father's age is 73 years, does the Star Health Senior Citizens Red Carpet policy will provide coverage for my father?

Yes, Star Health Senior Citizens Red Carpet policy will cover your father as the coverage provided by the policy is up to 75 years of age.

5. Is any medical check-up required for buying Star Health Gain Insurance policy?

Yes, medical check-ups are required to buy Star Health Gain Insurance policy for policyholders above 50 years of age.

6. My child is suffering from Autism Spectrum Disorder, is there any Star health insurance policy that provides coverage to this type of condition?

Yes, a unique plan named Star Special Care policy has been introduced by Star to cover special conditions like Autism.

7. May I know the waiting period for pre-existing diseases for the Star Health Senior Citizens Red Carpet plan?

The Star Health Senior Citizens Red Carpet plan covers pre-existing diseases from second year onwards, i.e., after 12 months.

8. When should I inform the company to port my Star health insurance policy?

You need to inform the company 45 days prior to the renewal date of your Star health insurance policy for portability of the same.

9. What are the medical tests required prior to buying the Star Health Senior Citizens Red Carpet policy?

There is no requirement for pre-insurance medical tests before buying the Senior citizens plan of Star health.

10. How much is the co-pay I need to pay for the Star Health Senior Citizens Red Carpet plan?

Co-pay for Star Health Senior Citizens Red Carpet plan are as follows:

  • 50% for all PED claims
  • 30% for all non-PED claims.

11. What is the policy tenure available for Star Health Senior Citizens Red Carpet plan?

The policy tenure for Star Health Senior Citizens Red Carpet plan is 1, 2 or 3 years.

Page updated on 31-07-2020