Star Health Premium Calculator
  • Need for Online Calculator
  • Instant Premium Estimation
  • Reliability of Online Premium Calculator
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Star Health Insurance Premium Calculator

Star Health Premium Calculator is an online tool designed to enable potential buyers to estimate the premiums that have to be paid against a particular plan. Star Health has introduced its own Premium Calculator to help you compare the premiums of different Health Plans that are offered. It is free for everybody and lets you plan according to your budget and needs.

Star Health Premium Calculator requests certain details related to policyholders in order to assess the premium amount payable towards a Health Policy. These include Sum Insured, Date of Birth, Email ID, Number of members, Age, Income among others. Based on these factors, it offers insights into the most suitable Health Plans that customers can purchase.

Please note that the list may vary according to plans.

Health Insurance Premium Calculator

Need for Online Premium Calculators

The benefits offered by the Star Health Insurance Premium Calculator are manifold. Not only does the calcoylaye help you to get an approximate premium payable for your policy, but will also help you to plan your budget in advance. Take a look at the below section to explore the need of Star Health Premium Calculator:

  • Premium Estimation

    It gives an estimation of the premium to be paid against a particular plan.

  • Rider Benefits

    It gives an idea on whether additional riders can be included in the plan or not.

  • Premium Comparison

    It allows you to compare the premiums of different plans, which helps narrow down on the most affordable option.

  • Customised Coverage

    It lets you customize coverage features as per your requirements.

  • Financial Planning

    Once you have identified the premium payable, you can ensure that you don't overshoot your financial budget with unexpected medical costs.

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Features of Star Health Premium Calculator

The below-mentioned features of Star Health Insurance calculator will give you an insight into its usefulness. Take a look:



The premium calculator offers flexibility in choosing your coverage option, adding/ deleting members, among other factors.


Online Accessibility

Star Health's Premium Calculator is accessible online, which makes it convenient to use from the comfort of your homes.


Instant Quotes

The calculator gives you instant results, inclusive of taxes, which is a good estimation of the net premiums payable.


Plan Comparison

With Star Health Insurance Premium Calculator, multiple plans are compared to offer you your best option.


Free of Cost

The tool is free of cost, which allows users to search for premium quotes many times.



It further shows the riders that can be added to your plans for enhanced coverage.

Is Star Health Premium Calculator Reliable?

When it comes to premium estimation, there are multiple reasons why Star Health Premium Calculator can be relied upon. We have enlisted below the various parameters which will help you to trust the reliability of Star Health Insurance Premium Calculator.

Accurate Information

The results are based on personalized information which in turn, ensures a higher degree of accuracy.

Eliminates Risk of Wrong/ High Premium Calculation

The calculator directly shows the premium amount, which reduces any risk of wrong/ higher premiums.

Reduces Miscommunication

It reduces the possibility of errors in premium quotes which may arise due to miscommunication with a distribution agent/broker.

Featured Tool in Official Website

The fact that the company's official website features this tool is a good guarantor of its reliability.

Policy-specific Quotes

Premiums can be calculated for each plan separately, therefore the results are highly specific.

Factors for Premium Estimation

The premium payable against a Health Policy is possibly one of the foremost criteria for selecting a plan.

To calculate premiums, Star Health takes into consideration the following factors:

Age of Policyholder

As you age, chances of being diagnosed with medical illnesses increase, which in turn incurs greater risk for the Insurance Provider. Therefore, the premiums payable also increase.

In case of Family Floater Plans, it is the age of the eldest member covered under the Health Plan that determines the premium. This is because the eldest member is likely to increase the chances of raising claims.

Sum Insured (SI)

The Sum Insured option that you opt for, directly influences the amount of premium. Generally, the higher the SI, the greater will be your premium. However, in certain cases, opting for a high Sum Insured (up to a specified amount) makes you eligible for discounted premiums.

Pre-Existing Diseases/Disorders

A Pre-Existing medical condition is likely to incur a higher premium amount given the higher risk associated with such individuals. The severity of your illness is also factored into the decision-making.

Number of Members

As the number of members covered under a policy increases, the premium amount increases. However, certain plans offer discounts on adding new members.

Smokers/ Non Smokers

Smoking status plays a role in deciding the premium amount. A Smoker has to pay more premium as compared to a Non-Smoker, considering the numerous health complications associated with a Smoker.

Check out 'Health Insurance-Price Index' for more clarity.

Policy Tenure

Choosing a multi-year Star Health Insurance Plan makes you eligible for premium discounts. If you choose a long term coverage period, you have to pay the aggregate premium at once and you can also avail a premium discount. Thus, depending on the coverage duration chosen, the premium is calculated.

Premium Illustration

The following charts highlight the annual premium amounts payable against different Sum Insured (inclusive of tax) and age bracket of the Life Insured.

Family Health Optima Insurance Plan (1 Adult + 1 Child, Zone I Regions)

Age (in Years) Sum Insured (in Rs.)
5 Lakhs 10 Lakhs 15 Lakhs 20 Lakhs 25 Lakhs
Up to 35 12,136 15,169 17,901 20,048 22,054
36-45 13,558 16,951 20,001 22,402 24,638
46-50 18,626 23,281 27,470 30,769 33,848

Star Comprehensive Insurance Plan (1 Adult + 1 Child, 1 Year Premium)

Age (in Years) Sum Insured (in Rs.)
5 Lakhs 10 Lakhs 15 Lakhs 20 Lakhs 25 Lakhs
Up to 35 10,832 15,635 19,151 22,101 24,933
36-45 11,942 17,311 21,712 24,662 28,202
46-50 16,803 24,438 30,338 33,288 36,828

III. Star Cardiac Care Insurance Policy (1 Year Premium)

Age (in Years) Sum Insured
Rs. 3,00,000 Rs. 4,00,000
Silver Gold Silver Gold
10-60 16,632 22,172 19,010 25,341
61-65 19,128 25,500 21,860 29,140

How to calculate Star Health's Premiums?

Star Health displays an Insurance premium chart on the brochures of every plan. However, in order to accurately estimate the premiums inclusive of taxes and applicable discounts, the online Star Health Insurance Policy Premium Calculator comes in handy.

You can follow the below mentioned steps to calculate Star Health Insurance Premium.


Visit the official website of Star Health Insurance.


Click on the tab 'I want to buy' or 'I want to renew'.


Enter your name and who you wish to insure.


Click on 'Buy Now'.


Insert your contact details and click on 'Next'.


Enter Details & Click on 'Next'

The resulting page displays the most suitable plan for you. You can now choose the Health Cover amount and check the premium charged for it.

Star Health Premium Calculator: FAQs

1. Do I have to pay any charges to use the Star Health Premium Calculator?

No, the premium calculation service offered at Start Health is free of cost. All the calculator needs is personal information about age, income, etc.

2. How can I get discounts on the premiums for Star Health Insurance policies?

You can avail of discounted premiums with Star Health Insurance plans by opting for a multi-year policy, following a healthy lifestyle, or adding members to your plan.

3. How can I lower premiums for Star health insurance plans?

  • Choose Family Floater plans
  • Choose Riders or add-on benefits after thorough research
  • Compare various Health Insurance Plans first
  • Opt for deductibles and co-payment
  • Opt for discounts

4. Would I get a premium refund if I cancel the plan?

Free-look period: If you cancel a Health Plan within 15 days of purchase, you are eligible to receive a complete refund of your premium. However, minimal charges associated with policy issuance and the risk cover till cancellation are deducted from the refund amount.

If you cancel the policy after the Free-Look period is over, the refund amount depends on the period after which you cancel.

5. How can I use the Star Health Insurance Premium Calculator?

Star Health Premium Calculator can be used by following the below-mentioned steps:

  • Visit the official website of Star Health
  • Next, click on the plan you are interested in buying
  • Once clicked, you will be directed to the plan page where a form will appear
  • Enter all the details such as sum insured, family members to be covered, date of birth, etc.
  • Click on 'Proceed to Buy'
  • The page will then show you the premium you need to pay for your Star Health Plan.

6. How is the Star Health Insurance Calculator beneficial for a person?

The Star Health Insurance Premium Calculator helps you in getting an estimate of your health insurance premium and also simplifies the complex premium calculations. The Star Premium calculator also helps you to compare various quotes, and assists in error free and quick calculations for premium.

7. What information do I need to provide in a Star Health Premium Calculator for the correct premium calculation?

To get the correct estimate in the Star Health Insurance premium calculator online, you need to furnish the details such as your age, family members covered, pre-existing diseases, add-on benefits etc.

8. I am a diabetic. Will it affect my Star Health Premium calculation?

Yes, a person with diabetes needs to pay more premium as compared to the one without diabetes. This happens because a person with diabetes is likely to be associated with high risk.

9. Do I need to pay any fees to use Star Health Insurance Premium Calculator?

No, the Star Health premium calculator is an online tool that can be easily free of cost.

10. Can I trust the premium estimation provided by the Star Health Insurance Premium Calculator?

Yes, the calculator is totally reliable, as it shows accurate Information which is fully based on the information provided by you.

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What Our Customers Have to Say

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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

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Mahesh Malvesh


September 14, 2022

Thanks Manoj for suggesting Best plan and even for your patience level with good knowledge and exp l..really happy to see policy x help and Good exp in industry.. Keep going Good always in fut...

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Mohan Bhargava


September 14, 2022

Best company I ve ever seen. Good service. Politely way of talk. An employee of policy x is Azhar (13272) a best advisor. Good knowledge about the product and companies.

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Paewn kumar


September 14, 2022

I got good services from rinku kumar in health insurance team he suggest good plan for my parents and family thank you so much

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Santokh Singh Sethi


September 14, 2022

I was great experience with policyx, the way the compare the plan is very good and web site is also easy to understand... I will suggest go with Policyx only

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Kakali Bagchi


September 14, 2022

The people who is seating in are vary supportive and they guide for the best policy and they help after sale also

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Subhro Jha


September 14, 2022

It was great experiance with about the claims as i got rejection my claim from HDFC Ergo but after getting support of i got my claim and the complete amount is given by...

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.