Star Health and Allied Insurance Co Ltd was established in 2006 as a joint venture between ICICI Ventures Fund Management, TATA Capital Growth Fund, Oman Insurance Company, UAE and Alpha TC Holdings Pte. Ltd., Singapore. The company deals in 3 major sections: Health Insurance, Overseas Mediclaim Policy and Personal Accident plans and has progressed by leaps and bounds in just under a decade.
Raising a benchmark in the health insurance sector, Star Health has become one of India's most trusted specialist company for health insurance. It has its presence with more than 290 branch offices across pan India working dedicatedly towards providing the best of policies to their valuable customers. With a vision to become the largest and most preferred health insurance company in India, it provides help and assistance to its customers through help lines, call centres and through internet.
Star Health believes in using the resources to focus on providing excellence in service, design products and use core competency of innovation to deliver the best to their customers. Being India's first standalone company in the health insurance industry, it deals in various kinds of health insurance policies, medi-claim and overseas travel insurances plans keeping in mind the comfort and suitability of its nation-wide clients and customers.
As the name suggests, Senior citizen plan is a plan for senior citizens aged between 60 to 75 years. The plan covers pre-existing diseases from the second year onwards and doesn't require any pre-insurance medical test. It gives a high sum insurance coverage upto Rs.10 Lakhs and guaranteed lifetime renewals.
As one enters the golden age and retires, medical expenses become the most difficult part to manage. It gets difficult to keep up with the bills and especially in any emergency situation. Therefore, a health care insurance for people in their late 60s is a must. With a full coverage and offers like lifetime renewals, it's a great way to keep one's safety in own hands.
The coverage is inclusive of the following:
Cashless Claim Process:
Reimbursement process for pre and post hospitalisation expenses:
Star Health should be contacted within 24 hours from the time of admission with following details:
The claim will be registered by customer care and a claim number will be provided to the Policyholder. This claim form must be filled fully and sent to Star Health office along with the necessary documents.
Yes, a request for authorization for cashless access may be rejected by Star's doctors based on various reasons. Some common reasons are:
In the event of hospitalization, the patient or their family will have a bill to pay the hospital. Under Cashless Hospitalization the patient is not required to settle the hospitalization expenses at the time of discharge from hospital. The settlement is done directly by Star Health Insurance.
A Hospital, which has an agreement with the company for providing Cashless treatment, is referred to as a 'Network Hospital'. Cashless facility is provided ONLY at the network hospitals. Non-network hospitals are those with whom the company does not have any agreement and any policyholder seeking treatment in these hospitals will have to pay for the treatment and later claim as per reimbursement procedure.
The request for Pre-authorization form for planned treatment has to be signed by the customer and sent by Hospital.