Network hospitals
14000+
Claim settlement ratio
99.06%
Sum insured
2 CR
No. of Plans
21
Solvency Ratio
1.7
Pan India Presence
815
Network hospitals
14000+
Claim settlement ratio
99.06%
Sum insured
2 CR
No. of Plans
21
Solvency Ratio
1.7
Pan India Presence
815
Star Health Insurance, India's top stand-alone Health insurance firms that offer a wide range of health insurance plans at affordable premiums. Star Health has been a part of a joint enterprise with Allied Insurance since 2006 and offers an exceptional product range that includes health insurance, personal accident, travel insurance, corporate insurance, and much more. Since its beginning, Star Health Insurance has collected a huge number of customers who trust them and rely on them for their health insurance coverage. They are providing people like us with financial security during hard times.
Star Health Insurance Plan Detailed Review
All about Star Health Insurance and Plans
The number of insurance options provided by Star Health Insurance includes domiciliary hospitalization, day-care treatments, AYUSH treatments, organ donor coverage, and much more with the accessibility to more than 14000 network hospitals. Before moving on to further information about Star Health, here are some interesting facts about it.
In these phenomenal years, Star Health Insurance has achieved a huge number of awards. Let us have a look at some of them:
Cashless Claim Settlement | Within 2 hours |
Minimum Entry Age | 3 Months |
Maximum Entry Age | 65 years/ no limit |
Sum Insured | Up to Rs. 2 Crores |
Network Hospital | More than 14000 across India |
Tax Benefits | Up to Rs. 1 Lakh |
Solvency Ratio (2021-22) | 1.7% |
Claim Settlement Ratio (2021-22) | 99.06% |
Ambulance Expenses | Covered |
Coverage for Accidents | From Day 1 |
Star Health offers a huge number of medical insurance policies. These products are specifically designed to meet all the healthcare requirements of their customers. To make each policy visible to the customers, we at Policyx have curated a list for you to choose easily.
Comprehensive
This policy is designed to provide complete protection against all health care eventualities to you and your family.
Unique Features
Comprehensive
The plan is ideal for the families who want to get covered under single sum insured.
Unique Features
Youth-specific
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
Standard
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
Comprehensive
A uniquely designed insurance policy that covers organ donor expenses up to sum insured, AYUSH treatments, modern treatments, and many more.
Unique Features
Flexible
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
Individual Plan
A unique health plan for individuals above the age of 50 years with no upper age entry limit. The plan comes with a high SI.
Unique Features
Women Care
A special plan designed for women, wherein women can avail multifold benefits along with the coverage to the whole family.
Unique Features
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
Top-up
The plan offers additional coverage to the policyholder in case their existing coverage is exhausted.
Unique Features
Critical Illness
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
Care Policy
A unique plan designed for cardiac care with a wide range of sum-insured options and flexible payment options
Unique Features
Affordable Plan
It is designed to care for your incidental expenses such as travel, food, etc. that are not covered under your Health Insurance Policy in the event of Hospitalization.
Unique Features
Cardiac
Star Cardiac Care is ideal for those individuals who want to cover the expenses of cardiac & non-cardiac ailments.
Unique Features
Cancer care
Covers the risk of spreading/recurrence of first cancer (metastasis) & second cancer (second malignancy)
Unique Features
Autism Spectrum Disorder
Star Special Care provides coverage to children (3 years to 25 years) who are diagnosed with Autism Spectrum Disorder.
Unique Features
Individual Plan
An individual and floater basis rural plan with SI of 1 lakh and 2 lakh respectively. Comes with installment on premiums and lifelong renewal.
Unique Features
Individual Plan
An OPD coverage policy with an individual and family floater option and 4 SI variants. Comes with 3 plan variants: Silver, Gold and Platinum.
Unique Features
Individual Plan
An accidental coverage policy for individuals and families and comes with high sum insured. The policy gives cumulative bonus and multiple discounts.
Unique Features
Individual Plan
Special Care Gold is a special product tailored specifically for individuals with disabilities and those who are HIV/AIDS positive.
Unique Features
COVID-19
This plan is for individuals who want to protect themselves and their families against the deadliest virus of Covid-19.
Unique Features
COVID-19
It covers the cost of hospitalization if the policyholder tested positive for COVID-19.
Unique Features
COVID-19
This policy offers 100% sum insured to the policyholder if he/she tested positive for COVID-19.
Unique Features
Accident Plan
A new-age plan with loaded benefits covering hospitalization expenses arising due to illness or accident.
Unique Features
Individual Plan
A specified plan for Type 1 or Type 2 Diabetes with flexible plan options. Offers automatic sum restoration with accident cover.
Unique Features
Platinum Plan
A cancer oriented policy which offers all-round protection and covers the high medical bills of the disease.
Unique Features
Critical Plan
A critical illness policy providing lump sum benefit on diagnosis of Critical illnesses related to Cancer, Heart, Brain & Nervous System, and Major Organs.
Unique Features
Protection Plan
Star Extra Protect is an add-on Cover that enhances the limits of existing covers in addition to offering new features to the base policy
Unique Features
Star Health Insurance is one of the famous companies which is known for its vast category of Health Insurance Plans for individuals, families, senior citizens, women, and much more. Read below to understand why Star Health is the best health insurance partner for you:
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.
AYUSH stands for, Ayurveda, Yoga, Naturopathy, Unani, Siddha, and Homeopathy. With Star Health Insurance, you will be covered if you plan to take the medical benefits of Ayurveda.
Hospital expenses like room rent, ICU charges, surgery expenses, doctor consultations, and other hospitalization expenses are covered.
Star Health understands the impact of rising medical expenses, thus they have made sure that their insurance products contain pre and post-hospitalization expenses related to in-patient hospitalization.
The advancement in technology has reduced the time of surgeries and treatment procedures. Therefore, keeping this in mind, their products have covered daycare treatment as well.
Some of the medical insurance policies by Star Health cover Domiciliary Treatments that you can take home as per the advice given by the medical practitioner.
Many of the medical insurance plans by Star Health cover Organ Donor Expenses as well. If there is a need for organ transplants by the policyholder, it will also be covered.
The most unpredictable incidents in life are accidents. The insurance policies that are mediclaim plans cover in-patient hospitalisations which is required due to accidents. Now you do not need to worry about the financial burden occuring due to accidents.
Not only hospitalization, but Star Health also provides other benefits as well. The mediclaim policies also cover the expenses incurred due to general Health Check-ups.
If the injury happens due to self-harm, then it will not be covered.
Medical insurance policies do not cover the expenses due to the measures or treatments taken in controlling obesity.
Most medical insurance plans do not cover dental treatment costs unless it happens due to accidental reasons.
If you are planning for tummy tucker therapy to look smarter, then it a disappointing to tell you that the policy does not cover any kind of cosmetic or plastic surgery.
The mediclaim policies will not cover the expenses that might happen because of any complication while indulging in hazardous or adventure sports activities.
The insurance policies by Star Health will not cover the cost of several medical aids like spectacles, hearing aids, wheelchairs, Walkers, crutches, and other similar aids.
The waiting period for Star Health Insurance is a certain time period where you need to wait before claiming a health insurance policy. In simple terms, the company incurred some kind of time period, maybe it is 30 days or 1 year, in between you have to pay the premiums but you cannot go for the claim process. However, it depends totally on the policy you choose or any pre-existing disease is there. There are several types of waiting periods, such as:
Star Health and Allied Company is working every day to design the product which will make sure that your health-related expenses are covered. But there are a few things that you need to make sure while purchasing the health insurance plans for yourself.
Getting a medical insurance policy online from Policyx or directly from the company is full of benefits. Read below to know more.
Although, there are no specific age criteria for buying health insurance plans. But buying insurance at an early age is highly beneficial. Read below to get to know why buying health insurance at an early age is beneficial.
Your premiums will be less at an early age.
At an early age, a continuous cover with renewals will help you to go out with the waiting period.
No medical test is required if you purchase health insurance at an early age.
You can avail a no-claim bonus for every claim-free year.
You do not need to share your medical bills as the co-payment is not applicable in this case.
These are the steps you need to know for filing your claim. Filing a star health insurance claim will become very easy if you choose the best and easiest way. That is why we have jotted down the steps you should follow to file a claim.
Star Health Insurance offers 2 methods of claim settlement- Cashless in house Claim settlement, and Reimbursement claim settlement. Let us discuss each one by one.
Visit the website of Star Health Insurance, and select the "Claim" option. Then click on the "Claim Intimation" to check out the form.
Now select "health claim" and require the information which is the policy number, date of birth, and other details they ask for.
Now select the "claim type", whether you want to opt for a cashless claim or reimbursement. Click on the authorize and you will receive the OTP on the verified number.
Get verified with the OTP and fill in the required hospital admission information, select the hospital, and fill in the hospital details in case of a non-network hospital.
Upload the documents asked and click on the "review" button.
After clicking on the review button you need to submit the intimation for the company to review. You will receive a claim intimation number which you need to note down for future purposes.
Once you submit the claim intimation, the company will start their work of verification. They might assign a field doctor if required for this process. After completing the verification process, you will get the claim immediately.
While filing the claim you need to keep these documents handy. Read below to know more:
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.
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 |
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 |
Policy Term 1 Year | 1 Adult | 2 Adult | Average Premium |
---|---|---|---|
10L | 18,000 | 38,250 | 28,125 |
15L | 29,205 | 49,650 | 39,428 |
One of the very specific features of Star Health Insurance company is known as Top-up plans. Currently, the company is offering two variants with two plan options for each:
These plans have their own benefits and features, which you can avail of by paying regular premiums. You can calculate your premiums at Star Health Premium Calculator or you can contact Policyx experts to know more.
Star Health Insurance Network Hospitals are present in 31 states nationwide. With a wide network of hospitals, Star Health Insurance ensures that you are medically secured, irrespective of the city you reside in.
Choose Star Health Insurance Coverage of Your Choice
Star Health is a dedicated insurance company that works 24*7 for customer case support. They make sure to resolve all the customer queries, no matter what time.
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
For branch-wise contact details you can read more about Star Health Insurance customer care.
There are 7 types of health insurance plans offered by Star Health Insurance Company. These types are:
If your policy is from Star Health insurance then COVID-19 will be covered, but to know more, you need to check with your insurance provider or you can read the policy documents.
Yes, Star Special Care's health insurance policy covers Autism as well.
Yes, Star Criticare Plus Insurance Policy covers 11 critical illnesses.
Firstly, you need to go to the website and choose the health insurance policy. Then fill in all the details including insurance holder details. Now with the help of Star Health Premium calculator, you can check the amount that needs to be paid. Click on the amount and pay premiums. You can use your credit card, debit card, net banking, and other online modes to pay the premiums.
Most of the insurance by Star Health covers diseases like diabetes, cancer, cataracts, autism, kidney diseases, heart diseases, and brain tumors. There are many other diseases that are covered in the insurance policies but that depends on policy to policy.
Yes, the Star Women Care Plan is specifically curated for women by Star Health Insurance Company.
You need documents like a duly filled and signed claim form, a discharge report from the hospital or doctor, check-up reports like blood reports, x-rays, or any other scan report, consultation papers of the doctor, chemist's invoice, police FIR report in case of accidental hospitalization, and other miscellaneous documents.
Star Health Insurance Plans offers robust and complete healthcare coverage. They understand the importance of a healthy lifestyle and encourage you to live healthier while adding benefits and wellness programs. Also, Star Health Insurance Plan covers individuals against critical illness. All the plans offer high-sum insured options, daycare coverage, AYUSH treatments, and Maternity and newborn cover amongst many other advantages.
Yes, Star Health Insurance Family Floater plans offer you to cover you and your family under a single health insurance plan.
Compare Star Health Insurance mediclaim policies with other top insurers in India.
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Read what our customers have to say about Star health insurance company and Star health mediclaim policy.
Kartik Mehta
Guwahati
October 6, 2023
I m a loyal customer of Star Health Insurance through Policyx.com. Their service is consistently excellent.
Karishma Sharma
Chandigarh
October 6, 2023
The peace of mind that comes with Star Health Insurance is priceless. Policyx.com helped me make the right choice.
Kajal Verma
Meerut
October 6, 2023
I ve had a few claims with Star Health Insurance, and the process was smooth thanks to Policyx.com s guidance.
Juhi Desai
Allahabad
October 6, 2023
Policyx.com s team patiently explained the terms and conditions of Star Health Insurance, ensuring I was well-informed.
Ishaan Chawla
Mumbai
October 6, 2023
I was pleasantly surprised by the affordable premiums for Star Health Insurance through Policyx.com. Great value for money!
Indira Rana
Mumbai
October 6, 2023
Star Health Insurance has been a lifesaver for my family, and Policyx.com made the enrollment process a breeze.
Hitesh Patel
Chennai
October 6, 2023
I had a great experience purchasing Star Health Insurance through Policyx.com. It was quick and hassle-free.
Geeta Nair
Bhopal
October 6, 2023
Policyx.com s comparison tool is a game-changer. I found the perfect Star Health Insurance policy that fits my needs.
An explorer and a curious person, Simran has worked in the field of insurance for more than 3 years. Traveling and writing is her only passion and hobby. Her main agenda is to transform insurance information into a piece that is easy to understand and solves the reader’s query seamlessly.
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