Star Group Health Insurance Plans, Benefits & Cost | PolicyX
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Star Health Insurance Star Health Insurance ★ 4.4

Star Group Health Insurance

Star Group insurance policy offers coverage for a range of medical ser ...Read More

Up to 1 Cr
Sum insured
1
No. of plans
850+
Pan India presence
99.06%
Claim settlement ratio
🛡️ IRDAI Approved
⭐ 4.4/5 · 2,753 reviews
🏥 14,000+ hospitals
📊 2.21 solvency ratio
✅ 99.06% claim settlement

About Star Group Health Insurance

A quick read on what this Star Health Insurance plan covers and why it might be a fit for you.

Star Health provides Group Arogya Sanjeevani and Star Group Health insurance. With Star Group Health plans, insured individuals can choose to include their family members, like spouse, dependent children, parents, and parents-in-law. Additionally, Star Group Health plans can be issued with or without co-pay for elderly parents and in-laws. Employees also have the option to choose an additional top-up cover to meet their requirements. Star Health's claim settlement ratio is 82.31% for FY 2023-24.

Star Group Health plans are designed for personalised business needs. Read the article below to explore the inclusions, exclusions, features, and benefits of the Star Group plans.

Plan at a glance

Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.

Entry age
Any age can enter this policy
Plan type
Group Health Insurance
Sum insured options
₹10 L
Waiting period
Coverage from day 1
Renewability
NA
Policy term
1 Year

*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.

Pros & cons

A quick honest summary — the strengths and the trade-offs.

Pros

  • 14,000+ network hospitals nationwide
  • Custom co-pay flexibility
  • Family and parent coverage options

Cons

  • 82.31% claim settlement ratio
  • 4-year PED waiting period
  • Limited infertility coverage

What's covered

Every CMS-driven coverage flag from the plan wording — only items with a published value render below.

Hospitalization

  • Room rent Covered
  • ICU charges Not covered
  • Pre-hospitalization Covered
  • Post-hospitalization Covered
  • Domiciliary hospitalization Not covered
  • Day-care treatment Covered
  • OPD charges Not covered
  • Covid-19 treatment Covered
  • Cataract Covered

Bonuses & restoration

  • No-claim bonus Not covered
  • Automatic restoration of SI Not covered
  • Daily hospital cash Not covered

Family & special care

  • Maternity cover Covered
  • New-born baby cover Covered
  • IVF treatment Not covered
  • AYUSH treatment Covered
  • Organ donor expenses Not covered

Modern & preventive care

  • Modern treatment Not covered
  • Road ambulance Covered
  • Air ambulance Not covered
  • E-consultation Not covered
  • Health check-up Not covered
  • Second medical opinion Not covered
  • Vaccination Not covered

Conditions & global

  • Co-payment Not covered
  • Sub-limits Covered
  • Compassionate travel Not covered
  • Global coverage Not covered

Star Group Health Plan Benefits

  • Listed below are the benefits of Star Group Health plans.
For EmployeesFor Employers
Medical bills are covered for the employee and family members by the organisation.Helps in retaining talented and valuable employees in the organisation.
Tax benefits are available under Section 80D of the Income Tax Act, 1961, if you pay group health premiums.Tax benefits are available under Section 80D of the Income Tax Act, 1961.
Hassle-free cashless claim settlement.Simple and easy claim settlement procedures.
Additional riders/benefits available for personalised coverage.Rider options for personalised coverage can be offered to employees at minimal premiums.
Optional co-pay and other benefits are available to reduce overall premium costs.Premium cost sharing can be done between the employee and the employer.

Star Health Insurance Network Hospital List

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.

Delhi Mumbai Bengaluru Chennai Kolkata Hyderabad Pune Ahmedabad Jaipur Lucknow

Know More About Network Hospitals →

Inclusions & exclusions

What the plan pays for, and what it doesn't.

Exclusions

  • Permanent diseases or health conditions that are not included under Star Group Health Exclusions are:
  • Hospitalisation due to war, riot, strike, or nuclear weapons
  • Intentional self-injury
  • AIDS
  • Miscarriage and abortion
  • Congenital disease
  • Infertility and in vitro fertilisation
  • Certain diseases and treatments are covered under Star Health Group plans after a waiting period:
  • Specific diseases after 2 or 3 years
  • Pre-existing diseases after 4 years

Who can buy this plan

Eligibility criteria pulled straight from the policy wording.

  • Adults: 18 to 65 years
  • Children: 91 days and above
  • Up to 6 members per policy
  • Lifelong renewal

Other features & benefits

Conclusion

Star Health Group insurance stands out as a reliable choice for comprehensive health coverage, offering tailored plans that cater to diverse needs. With its extensive 14,000+ network hospitals and focus on customer-centric services, it provides peace of mind for individuals and families alike. By prioritising affordability and accessibility, Star Health ensures that quality healthcare is within reach. Choosing Star Health Group insurance means investing in a secure and healthy future, backed by a trusted name in the insurance industry.

For more insights on other Star Health Insurance plans, connect with our expert advisors today!

Star Group Health Insurance: FAQs

The 7 most-asked questions about Star Group Health Insurance, answered.

Star Health Insurance offers the Star group health plan and Arogya Sanjeevani health plan.
The latest claim settlement ratio for Star Insurance for FY 2023-2024 is 82.31%.
You can connect with Star Health Insurance by simply calling 044-6900-6900 or downloading their Star Health app.
Star Insurance offers cashless treatments across India at its 14,000+ network hospitals.
Star group health plans cover maternity and newborn expenses as an optional benefit.
Star group health plans offer tax benefits under section 80D of the Income Tax Act, 1961.
Yes, optional coverage benefits like maternity and newborn baby coverage are available.

Explore Star Health Insurance

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Written and reviewed by

PolicyX content is researched in-house and reviewed by an IRDAI-certified insurance specialist before publication.

Written by Simran Kaur Vij — Health and Term Insurance Reviewed by Bijendra Singh — Term Insurance
Last updated: 9 Jul 2025 · Originally published: 9 Jul 2025

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