Star Health Claim Settlement Ratio
  • 99.64% claims settled by Star Health
  • Check the claim status of Star
  • Learn how to reimburse you Star Health Claim
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Star Health Claim Settlement Ratio

Purchasing health insurance without researching the company's performance can lead to complications on the occurrence of a medical emergency. The Claim Settlement Ratio is one such factor that you should definitely check when purchasing health insurance.

After all, what good is a health insurance policy if your insurance company can't fulfill your claims on time? Still confused? Do not worry. In this article we have covered everything related to Star Claim Settlement Ratio, and its importance.

Health Insurance Claim Settlement Ratio

What is a Claim Settlement Ratio?

The claim settlement ratio or CSR is the percentage of claims that have been paid by an insurance company. In simpler words, it is the percentage of claims paid out by an insurer during a financial year. The ratio compares the number of claims filed to the number of claims settled.

Health Claim Settlement ratio=the number of claims settled/number of claims received * 100

If you have decided to buy a Health Plan from Star Health then checking Star Health Settlement Ratio might provide you insight into how it's doing in terms of settling claims. It will also give you details about the company's ability to settle claims on time. The higher the claim settling ratio, the more capable the company is settling claims.

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Star Health Insurance Claim Settlement Ratio

As per IRDAI, Star Health Claim Ratio is 99.73%. Take a look at the below given table that will let you get an insight into the ability of Star Health Claim Settlement.

Status of Star Health Claim Settlement ratio- 2020-21
Age Analysis of Number of Claims Paid (%)< 3 months3 months to 6 months6 months to <1 year1 year to <3 year3 years to <5 years5 years
Claims Settled 99.640.300.

What is the Claim Process of Star Health Insurance Plans?

The company grants two simple ways to file claims.

Cashless Claim Settlement Process

  • The cashless facility is only available at 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 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.

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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 certificate/card from the hospital.
  • Original bills from chemists 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 requested by the company.

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What Our Customers Have to Say

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sandeep singh


January 12, 2023

Dnt buy any policy from Star health They are big fraud my father is admitted in hospital crucial stage they reject our claims without reason i will filled case against company in consumer court...

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Poonam Sinha


December 9, 2022

Mujhe khaas kar inki service best lagi. Policyx se mai hamesha services lungi. Maininki services se khush hu

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Anita srivastava


December 9, 2022

Policyx helped me a lot in documentation process, I was skeptical at first but they made my work easy.

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December 9, 2022

Omg when i was buying the policies I was o skeptical. I contacted policyx and they solved my confusions and even helped in my documentations.. They are the best .

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Ayush Sharma


November 30, 2022

I bought policy for my family from policy, The advisor is very knowledgable,he suggest me better comparisons of plan and helps me to purchase suitable one. The process was very smooth.

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Sanjay naraware


November 8, 2022

Sanjay nanaware here, first of all I appreciate Star Health for your punctuality, service, conversation and I really thanks to Mr.Sanchin pathavnkar who has suggest star health policy.

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Vishal Singh


September 27, 2022

I want to thanks Atul Bhardwaj he suggested me good policy and provide me good comparison which help me to choose best plan...........

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Sagar Jain


September 14, 2022

Very Good Organization, Very Decent Staff. Sales team is very good, they are following clients in proper manner

Naval Goel

Reviewed By : Naval Goel

Naval Goel is the CEO & founder of Naval has an expertise in the insurance sector and has professional experience of more than a decade in the Industry and has worked in companies like AIG, New York doing valuation of insurance subsidiaries. He is also an Associate Member of the Indian Institute of Insurance, Pune. He has been authorized by IRDAI to act as a Principal Officer of Insurance Web Aggregator.