Star Health Insurance Incurred Claim Ratio

Star Health Diabetes Safe Health Insurance Plan is a unique plan designed to offer coverage to individuals with diabetes both Type 1 and type 2. The p...

Unique Features

• Diabetes Cover
• High Sum Insured
• OPD Cover

• Road Ambulance Cover
• Pre and Post Hospitalization
• ICU Cover
• Room Rent Cover
• Day Care Treatment Cover

• Obesity Treatment Unavailable
• Hazardous Activity not covered
• HIV/AIDS not covered
• Cosmetic Surgery unavailable
• Injuries due to breach of law

• Dialysis Cover
• Kidney Transplant Cover
• Artificial Limbs Cover
• Personal Accident Cover
• OPD Cover

• Entry Age - 18 Years
• Max Entry Age - 65 Years
• SI - 3 L to 10 L
• Waiting Period - 30 Days

Star Health Premier Insurance Policy is a unique health plan designed to cover individuals who are 50 years and above with no maximum entry age limit....

Unique Features

• Avail Health Rewards
• SI Upto 1 Crore
• Pain Management

• Cataract Treatment Cover
• 10% Health Check- Up Discount
• High SI
• Home Care Treatment
• Road Ambulance Cover

• 20% Co-pay applicable
• Obesity Treatment Unavailable
• Hazardous Activity not covered
• HIV/AIDS not covered
• Cosmetic Surgery unavailable

• Hospice Care
• Pain Management
• AYUSH Treatment
• Modern Treatment
• 100% Cumulative Bonus

• Entry Age - 91 Days
• Max Entry Age - No Age Limit
• SI - 10 L to 1 Cr
• Waiting Period - 30 Days

Star Cancer Care Platinum Insurance Policy is designed to cater to cancer patients. The plan helps the insured individual's family to be financially p...

Unique Features

• SI Upto 10 L
• Hospice Care
• Pain Management

• Cataract Cover
• No pre-medical check-up
• Lump Sum Cover
• 50% Cumulative Bonus
• Hospice Care

• Obesity Treatment Unavailable
• Hazardous Activity not covered
• HIV/AIDS not covered
• Cosmetic Surgery unavailable
• Injuries due to breach of law

• Second Medical Opinion
• Rehabilitation Cover
• Pain Management
• Day Care Treatment
• Modern Treatment Cover

• Entry Age - 5 Months
• Max Entry Age - 65 Years
• SI - 5 L to 10 L
• Waiting Period - 30 Days

Star Critical Illness Multipay Insurance Policy is designed to cater to individuals by providing them with a lump sum coverage on the diagnosis of any...

Unique Features

• Wellness Benefit
• Cancer Cover
• Heart Cover

• Flexible Payment
• Long Term Policy
• Bone Marrow Transplantation
• Heart Disease Cover
• 4 Group CI Covered

• Obesity Treatment Unavailable
• Hazardous Activity not covered
• HIV/AIDS not covered
• Cosmetic Surgery unavailable
• Injuries due to breach of law

• Open Chest CABG
• Heart Transplantation
• Coma of Specified Severity
• Wellness Programs
• Major Head Trauma

• Entry Age - 18 Years
• Max Entry Age - 65 Years
• SI - 5 L to 25 L
• Waiting Period - 30 Days

Star Hospital Cash Insurance Policy is designed to provide insured individuals with additional protection and takes care of incidental expenses such a...

Unique Features

• Accident Hospital Cash
• ICU Hospital Cash
• Daycare Treatment

• 3 Years Policy Term
• Cover up to 3 Children
• 180 days of hospital cash days
• Comprehensive Plan
• Various Hospital Cash Covers

• Obesity Treatment Unavailable
• Hazardous Activity not covered
• HIV/AIDS not covered
• Cosmetic Surgery unavailable
• Injuries due to breach of law

• Sickness Hospital Cash
• Accident Hospital Cash
• ICU Hospital Cash
• Child Birth Hospital Cash
• Worldwide Hospital Cash

• Entry Age - 91 Days
• Max Entry Age - 65 Years
• SI - 1k - 5k
• Waiting Period - 30 Days

Ms. Aneesha, a 53-year-old working woman residing in Indore requires heart transplant surgery due to multiple cardiac ailments. However, since Ms. Ane...

Unique Features

• Explore Star Cardiac Care
• Benefits & Features
• Eligibility Criteria

• Avail Heart Transplantation
• Long Term Policy
• Up to 15 L SI
• Cardiac device cover
• Installment options available

• Obesity Treatment Unavailable
• Hazardous Activity not covered
• HIV/AIDS not covered
• Cosmetic Surgery unavailable
• Congenital Disease Cover

• Wellness Services
• Angiogram Test
• Modern Treatments
• Pain Management
• Health Check-ups

• Entry Age - 7 Years
• Max Entry Age - 70 Years
• SI - 5 L to 15 L
• Waiting Period - 30 Days

A unique health insurance plan designed by Star Health Insurance to provide medical coverage to individuals with disabilities and HIV/AIDS. Star Speci...

Unique Features

• Disability Cover
• HIV/AIDS Cover
• Waiver Of Co-Pay Available

• Modern Treatment Available
• Day Care Procedures Available
• Ambulance cover
• Room rent cover
• Shared Accommodation cover

• Obesity Treatment Unavailable
• Hazardous Activity not covered
• HIV/AIDS not covered
• Cosmetic Surgery unavailable
• Pre-existing Diseases

• Treatment of Seizures
• Behavioral Therapy Cover
• Speech Therapy Cover
• Occupational Therapy Cover
• Adeno Tonsillectomy

• Entry Age - 3 Years
• Max Entry Age - 25 Years
• SI - 3 L
• Waiting Period - 30 Days

Star Extra Protect insurance plan is an add-on cover under Star Health Insurance that enhances the limitations imposed on your existing base policy. Y...

Unique Features

• Base policy coverage enhancer
• Extended family coverage
• Claim guard for the base policy

• Modern treatment coverage
• Room rent limit extension
• Base policy’s sum insured enhancement
• Features similar to the base policy
• Home care treatment

• No maternity cover
• Limited to SI of base policy
• Organ donor expenses not covered
• Vaccination not covered
• COVID-19 care not covered

• Individual & family floater plan
• Trusted insurance provider
• Unlimited benefits up to SI
• Cashless claim settlement
• AYUSH Treatment cover

• Minor entry age - 91 days - 25 years
• Adult entry age - 18 - 40 year
• SI - Base policy above INR 10 Lakhs
• Waiting Period - As per the base policy

Star Smart Health Pro policy is a newly launched digital plan by Star Health Insurance for customers who want a truly customizable health insurance pl...

Unique Features

• Automatic Restoration Benefit
• Air Ambulance Cover
• Star Wellness Program

• Modify Room Category
• Up to 600% Cumulative Bonus
• Reduced Waiting Period
• Non-Medical Items Covered
• Unlimited Automatic Restoration

• Adventure Sports Injuries
• AIDS not covered
• Injuries due to Illegal activities
• No IVF Treatment
• Obesity Not Covered

• Multiple Discounts Available
• Family Health Cover
• Daycare Treatments
• Air Ambulance
• Domiciliary Hospitalization

• Entry Age: 18 Years
• Maximum Entry Age: 50 Years
• SI - 5 L to 1 Crore
• Waiting Period - 30 Days

Get comprehensive coverage at affordable premiums. Star Comprehensive insurance policy is a complete health insurance plan that looks after all the he...

Unique Features

• No-Pre acceptance required
• Get coverage up to 1 Crore
• Midterm inclusion at additional premiums

• 99.6% CSR
• Up to 1 Cr SI
• Maternity Cover
• New Born Baby Cover
• Road and Air Ambulance

• No Global Coverage
• No IVF Treatment
• No compassionate Travel
• HIV/AIDS not covered

• Individual and family floater
• Mid-term inclusion available
• Accidental Death
• Permanent Total Disablement
• Star Wellness Program

• Entry Age - 3 Months
• Max Entry Age - 65 Years
• SI - 5 L to 1 Cr
• Waiting Period - 30 Days

Medi classic insurance policy provides cover for hospitalization expenses incurred as a result of illness/disease/sickness and/or accidental injuries ...

Unique Features

• Secured hospitalization
• Road accident protection
• Comes in 2 variants

• Plan Variants Available
• Customizable Plan
• Hospital-Cash Benefit
• 5% Family Discount
• Organ Donor Cover

• 10% Co-payment
• Obesity Treatment Unavailable
• Hazardous Activity not covered
• HIV/AIDS not covered
• Cosmetic Surgery unavailable

• New Born Baby Cover
• 100% Super Restoration
• Up to 100% No-claim Bonus
• Psychiatric coverage
• Patient Care Cover

• Entry Age - 16 Days
• Max Entry Age - 65 Years
• SI - 1.5 L to 25 L
• Waiting Period - 30 Days

Gift yourself the Star Women Care Insurance Policy, because we all know your responsibilities are endless and you need the best health to face them wi...

Unique Features

• Maternity Benefits
• Preventive Health Check Up
• Coverage for Modern Treatments

• Designed for Women& 039;s Care
• Cancer cover optional
• Bariatric Surgery Cover
• Mid-term inclusions
• High SI

• Obesity Treatment Unavailable
• Hazardous Activity not covered
• HIV/AIDS not covered
• Cosmetic Surgery unavailable
• Congenital Disease Cover

• 10% long-term discount
• 10% Air Ambulance Cover
• Pain Management Cover
• Assisted Reproduction
• Automatic Restoration

• Entry Age - 91 Days
• Max Entry Age - 75 Years
• SI - 5 L to 1 Cr
• Waiting Period - 30 Days

Young Star Extra Protect add-on cover policy is applicable for the Young Star insurance policy and acts as an enhancer for the benefits of the base in...

Unique Features

• Base policy cover enhancer
• Claim guard facility
• AYUSH Coverage

• Modern treatment coverage
• Room rent limit extension
• Base policy’s sum insured enhancement
• Features similar to the base policy
• Home care treatment

• No maternity cover
• Limited to SI of base policy
• Organ donor expenses not covered
• Vaccination not covered
• COVID-19 care not covered

• Individual & family floater plan
• Trusted insurance provider
• Unlimited benefits up to SI
• Cashless claim settlement
• AYUSH Treatment cover

• Minor entry age - 91 days - 25 years
• Adult entry age - 18 - 40 year
• SI - Base policy above INR 10 Lakhs
• Waiting Period - As per the base policy

A top-up plan for added coverage at affordable costs Star Super Surplus Insurance Policy is a top-up health insurance plan offering surplus coverage a...

Unique Features

• No pre-acceptance screening required
• Coverage for maternity expenses
• Up to 1 crore cover at affordable rates

• Flexible Policy
• Avail Long Term Discount
• Cover family up to 2A+3C
• Lifelong renewal
• 2 Plan variants

• Includes Deductibles
• Hazardous Activity not covered
• HIV/AIDS not covered
• Cosmetic Surgery unavailable
• Congenital Disease Cover

• Avail e-opinions
• Star Wellness Services
• Recharge benefit
• Air Ambulance
• No pre-policy Medical check-up

• Entry Age - 18 Years
• Max Entry Age - 65 Years
• SI - 5 L to 1 Cr
• Waiting Period - 30 Days

Medical insurance designed specially for heart patients. Star Health Cardiac Care Health Insurance plan is the perfect medical policy for individuals ...

Unique Features

• Tailored Plan for Cardiac Patients
• Coverage for Cardiac and Non-cardiac ailments
• No Pre-acceptance checkup required

• Flexible Product
• Personal Accident Cover
• 2 Plan Variants
• Road Ambulance
• Day Care Procedures

• 10% Co-Payment
• PED
• Cosmetic Surgery
• Obesity Treatment
• Change of Gender Treatments

• Personal Accident Cover
• Heart Transplantation
• OPD expenses Cover
• Modern Treatment Cover
• COVID-19 Cover
• Cataract Cover

• Entry Age - 10 Years
• Max Entry Age - 65 Years
• SI - 3 L to 4 L
• Waiting Period - 30 Days

Star micro rural and farmers care is an individual and family floater plan with a sum insured of 1L and 2L respectively for individual and family floa...

Unique Features

• Understanding the Need of Micro Rural
• Sample Rates of Premium
• Check the Eligibility Criteria of the Plan

• Designed for Farmers
• Flexible Policy
• Day Care Procedures
• Flexible Payment Options
• PED cover available

• 20% co-pay
• Obesity Treatment Unavailable
• Hazardous Activity not covered
• HIV/AIDS not covered
• Cosmetic Surgery unavailable

• No Pre-policy medical checkup
• Modern Treatments Covered
• Lifelong Renewal
• Up to 15k Cataract Cover
• ICU cover

• Entry Age - 18 Years
• Max Entry Age - 65 Years
• SI - 1 L - 2 L
• Waiting Period - 30 Days

A supersaver policy covering every family member. Star Family Health Optima is a strategically priced family health insurance plan. It offers comprehe...

Unique Features

• Get coverage for the whole family
• Additional SI for Road Traffic Accident
• Coverage for Compassionate Travel

• No Pre-Policy Check-up
• Lifelong Renewability
• High SI available
• COVID-19 cover
• OPD covered

• PED cover not available
• Obesity Treatment Unavailable
• Hazardous Activities
• HIV/AIDS not covered
• Cosmetic Surgery unavailable

• Long term discounts
• Premium Payment flexibility
• Health Check-up Cover
• Domiciliary Hospitalization
• Modern Treatment Cover

• Entry Age - 18 Years
• Max Entry Age - 65 Years
• SI - 1 L to 25 L
• Waiting Period - 30 Days

Perfect plan to secure your old age from medical expenses. Star Senior Citizens Red Carpet Health Insurance Plan is designed to cater to the healthcar...

Unique Features

• Guaranteed lifetime renewal
• No pre-medical check-up required
• Coverage up to 25L for individuals & families

• Individual & family floater plan
• Flexible SI
• Road Ambulance Cover
• ICU cover
• Health Check-up cover

• Obesity Treatment Unavailable
• Hazardous Activity not covered
• HIV/AIDS not covered
• Cosmetic Surgery unavailable
• Congenital Disease Cover

• Flexible-Premium Payment
• Cataract Treatment available
• Modern treatment cover
• No pre-policy checkup
• OP Consultation

• Entry Age - 60 Years
• Max Entry Age - 75 Years
• SI - 1 L to 25 L
• Waiting Period - 30 Days

Star Health has introduced Star Novel Coronavirus (nCoV) (COVID-19) Insurance policy. The policy provides coverage for the expenses incurred during th...

Unique Features

• Explore the Key Features of the Plan
• Check the Eligibility Criteria
• How to Buy the Policy Online?

• Lumpsum payout on COVID-19 diagnosis
• Short waiting period
• No medical checkup required

• Global coverage NA
• No other diseases covered except COVID-19
• Self-inflicted injuries not covered

• High SI options available
• Tax benefit
• Free-look period available

• Min. Entry Age: 18
• Max. Entry Age: 65
• SI: 21000 and 42000
• Policy Term: 1 Year

Young Star Insurance Policy is tailor-made for youngsters up to 40 years. This plan is available on an individual and family floater basis with two va...

Unique Features

• No capping on room rent
• No pre-acceptance checkup required
• Pay premium in installments

• Mid-term inclusion
• 10% discount on early purchase
• Star Wellness Program
• Flexible-Premium Payment
• 2 Plan variants

• PED waiting period
• Obesity Treatment Unavailable
• Hazardous Activity not covered
• HIV/AIDS not covered
• Cosmetic Surgery unavailable

• Hospital Cash Benefit
• Lifelong Renewal
• E-opinion
• No-claim bonus
• Automatic Restoration

• Entry Age - 18 Years
• Max Entry Age - 40 Years
• SI - 3 L to 1 Cr
• Waiting Period - 30 Days

Star Health Arogya Sanjeevani is a Health Insurance that safeguards you and your family from the financial burden and stress during hospitalization. A...

Unique Features

• Comprehensive plan
• Affordable premiums
• Include loved ones

• Affordable Plan
• 50% No Claim Bonus
• Flexible Policy
• Day Care Procedures Covered
• Up to 25% of SI for Cataracts

• 5% Co-payment
• Obesity Treatment Unavailable
• Hazardous Activity not covered
• HIV/AIDS not covered
• Cosmetic Surgery unavailable

• Lifelong Renewal
• Road Ambulance Cover
• Day Care Procedures Covered
• AYUSH treatment Cover
• Rural Discount

• Entry Age - 3 Months
• Max Entry Age - 65 Years
• SI - 1 L to 10 L
• Waiting Period - 30 Days

Star Health Gain Insurance Policy offered by Star Health is a medical insurance policy which is designed specifically to provide the best possible med...

Unique Features

• Family coverage
• Multiple sum insured
• Save tax

• Day Care Procedures Covered
• Road Ambulance Available
• Modern Treatments Available
• Outpatient Benefit

• 20% Co-payment
• Obesity Treatment Unavailable
• Hazardous Activity not covered
• HIV/AIDS not covered
• Cosmetic Surgery unavailable

• Up to 60k Cataract cover
• Room Rent Cover
• ICU Cover
• Wide SI options
• Flexible Premiums

• Entry Age - 91 Days
• Max Entry Age - 65 Years
• SI - 1 L to 5 L
• Waiting Period - 30 Days

Star Health Insurance for Senior Citizens is exclusively designed for senior citizens who want to meet high medical costs by paying a yearly premium....

Unique Features

• No medical examinations
• High sum insured
• Daycare procedures

Star Health Insurance plans for a family are a golden investment when it comes to securing the future of your loved ones. Star family plans are design...

Unique Features

• Avail maternity cover
• Care Beyond Coverage
• Avail Mid-term Inclusions

Turning sixty is a major milestone for a person. It is time to become more careful about one's health. Any kind of illness can bring in a lot of anxie...

Unique Features

• No medical examinations
• High sum insured
• Daycare procedures

It is good to be prepared by having a health insurance policy that will take care of the medical and other expenses in case of illness. But, then the ...

Unique Features

• Lumpsum payout
• Accidental hospitalization cover
• Non-allopathic treatments cover

Motherhood is a rewarding and fulfilling journey, it marks the start of a very important and exciting chapter in your life, but it also comes with its...

Unique Features

• Lifetime Renewal
• Newborn’s Immunizations
• Pediatrician Consultation

Star Health Accident Policy provides optimal care and cover in case of any unfortunate accidents. Accidents are an uninvited inconvenience in any indi...

Unique Features

• Education Grant Available
• Avail Home Care
• Multiple discount benefits

Most often health insurance plans inadequately cover OPD (out-patient department) expenses for an insurance holder, however, Star Outpatient Care is a...

Unique Features

• Plan Variants Available
• Dental & Ophthalmic treatment
• Lifelong Renewal Benefit

• Cover up to 6 family members
• 3 Plan variants available
• Dental Cover available
• Physiotherapy cover
• Pharmacy cover

• Obesity Treatment Unavailable
• Hazardous Activity not covered
• HIV/AIDS not covered
• Cosmetic Surgery unavailable
• Breach of law

• Dental Treatments Available
• AYUSH Treatments Available
• Ophthalmic Treatment
• Outpatient Consultation
• Renewal Discounts

• Entry Age - 18 Years
• Max Entry Age - 50 Years
• SI - 25k - 1 L
• Waiting Period - 30 Days

Star Criticare Plus Policy falls under a dual benefit plan, as policyholders can get the coverage of health insurance and as well as critical illnesse...

Unique Features

• Cover 1 family member
• 30% Co-payment
• Non-allopathic treatments

Star health special care is a unique plan providing indemnity cover to individuals diagnosed with Autism and it is an individual plan. Star health spe...

Unique Features

• Indemnity cover
• Autism cover
• Modern treatment

• Modern Treatment Available
• Day Care Procedures Available
• Ambulance cover
• Room rent cover
• Shared Accommodation cover

• Obesity Treatment Unavailable
• Hazardous Activity not covered
• HIV/AIDS not covered
• Cosmetic Surgery unavailable
• Pre-existing Disease

• Treatment of Seizures
• Behavioral Therapy Cover
• Speech Therapy Cover
• Occupational Therapy Cover
• Adeno Tonsillectomy

• Entry Age - 3 Years
• Max Entry Age - 25 Years
• SI - 3 L
• Waiting Period - 30 Days

Top-up health plans from Star Health Insurance can help you protect your health in the event of a medical emergency after you have exhausted the sum i...

Unique Features

• High Sum Insured
• Recharge Benefit
• Wellness Benefit

Cancer is a deadly and difficult disease to deal with, causing patients and their families to struggle emotionally, physically, and psychologically. C...

Unique Features

• High Sum Insured
• 37 Critical Illnesses
• Cancer Cover

The burden of medical expenses for cancer treatment can be overwhelming leaving the individuals and their families under financial strain. Star Cancer...

Unique Features

• Stage 1 & 2 Cancer Cover
• Specifications
• Cashless Hospitalization

Star Health Assure Insurance Policy is a versatile 360-degree health insurance plan providing wide coverage for self, spouse, dependent children, pare...

Unique Features

• Maternity Benefit
• Air Ambulance Cover
• Star Wellness Program

• Second Medical Opinion
• Health Check-up Covered
• 100% Cumulative Bonus
• Compassionate Travel
• AYUSH Treatment

• 10% Co-pay applicable
• Deductibles
• HIV/AIDS not covered
• Cosmetic Surgery unavailable
• Injuries due to breach of law

• In Utero Fetal Surgery
• Pain Management
• Rehabilitation Cover
• Organ Donor Cover
• Modern Treatment Cover

• Entry Age - 18 Years
• Max Entry Age - 75 Years
• SI - 5 L - 2 Cr
• Waiting Period - 30 Days

Star Health Insurance Company has launched one of the most revolutionary insurance plans - the Super Star Health Plan. It has the flexibility to custo...

Unique Features

• Premium discounts
• Freeze age benefit
• Dental cover

• Daycare procedures
• Modern treatment
• Second medical opinion
• Maternity cover

• Compassionate travel
• Global coverage
• Adventure sports
• Breach of law
• STDs not covered

• Newborn baby cover
• Assisted reproduction cover
• Home care
• Domiciliary treatment cover

• Adult 18 years to No max limit
• Dependent children 91 days to 25 years