ChatGPT
Claude
Perplexity
Star Health Assure Plan Review 2024 | Star Health Insurance Plans | Star Health Assure | Star Health
Star Health Insurance
Star Health Assure Policy
The Star Assure Plan offers wide coverage for individuals and families ...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 · 2,756 reviews
🏥 14,000+ hospitals
📊 2.21 solvency ratio
✅ 99.06% claim settlement
About Star Health Assure Policy
A quick read on what this Star Health Insurance plan covers and why it might be a fit for you.
Star Health Assure Insurance Policy is a versatile, 360-degree health insurance plan providing wide coverage for yourself, your spouse, dependent children, parents, and parents-in-law. The plan can be availed on an individual or family floater basis. Any individual aged between 91 days and 75 years can avail of this plan individually. The Star Health Assure Insurance policy does not require individuals to undergo any pre-medical check-ups.
The Star Assure Plan is an ideal healthcare plan for young couples who are planning to get married or start a family. With the mid-term inclusion benefit, you can cover a newly wedded spouse, newborn baby, and legally adopted child under the policy by paying an additional premium. Features such as assisted reproduction treatment, chronic severe refractory asthma cover, home care treatment, and automatic restoration make Star Health Assure an attractive and efficient health insurance plan for many.
Apart from this, you can get an automatic restoration of the sum insured multiple times if you raise a claim. The newborn baby covered along with the delivery coverage benefit (normal and caesarian deliveries both) has additional pre-natal and post-natal care. The policyholder can also receive home care treatment from the convenience of their home, in case they are not able to move to the hospital for treatment.
Additionally, In Utero Fetal Surgery/Intervention is also one of the highest selling points of the Star Assure Policy. The plan gives you up to a 100% increase with the cumulative bonus, with specifications of 25% on each claim-free year of the policy. To know more about Star Health Assure Insurance Policy details, read this page thoroughly.
Plan at a glance
Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.
Entry age
Child: 16 Days - 17 Years, Adult: 18 - 75 Years
Plan type
Individual and Family Health Insurance
Sum insured options
₹5 L, ₹10 L, ₹15 L, ₹20 L, ₹25 L, ₹50 L, ₹75 L, ₹1 L, ₹2 L
Waiting period
30 days
Renewability
NA
Policy term
1/2/3 Years
*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
- Second Medical Opinion
- Health Check-up Covered
- 100% Cumulative Bonus
- Compassionate Travel
- AYUSH Treatment
Cons
- 10% Co-pay applicable
- Deductibles
- HIV/AIDS not covered
- Cosmetic Surgery unavailable
- Injuries due to breach of law
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 Covered
- Pre-hospitalization Covered
- Post-hospitalization Covered
- Domiciliary hospitalization Covered
- Day-care treatment Covered
- OPD charges Covered
- Covid-19 treatment Covered
- Cataract Covered
Bonuses & restoration
- No-claim bonus Covered
- Automatic restoration of SI 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 Covered
Modern & preventive care
- Modern treatment Covered
- Road ambulance Covered
- Air ambulance Covered
- E-consultation Covered
- Health check-up Covered
- Second medical opinion Covered
- Vaccination Not covered
Conditions & global
- Co-payment Applicable
- Sub-limits Applicable
- Compassionate travel Covered
- Global coverage Not covered
Video reviews
Walkthroughs from the PolicyX team — pros, cons, real claim experiences and who should buy.
All about Star Health Insurance and Plans
Star Health Insurance Plan Detailed Review
Star Health Assure Insurance Policy Benefits
Star Health Assure Insurance Policy offers a plethora of benefits to customers. Mentioned below are the same:
-
High Sum Insured Options
Star Health Assure Insurance Policy offers a wide range of sum insured options to insured individuals, ranging between ₹5 Lakhs to ₹2 Crore. The Star Health Assure offers adequate sum insured options to individuals which they can opt for as per their needs and requirements.
-
Star Wellness Program
Star Health Assure Insurance Policy offers a wellness program to motivate and encourage insured individuals to maintain a healthy lifestyle by offering up to 20% discounts on renewal upon completion of certain health and fitness tasks and activities.
-
Optional Deductibles
Insured individuals can avail of discounted premium rates by selecting the available deductibles under the Star Health Assure Insurance Policy.
-
Rehabilitation and Pain Management
Under the Star Health Assure Insurance, insured individuals can avail of expenses incurred for rehabilitation and pain management up to the specified sub-limit or a maximum of up to 20% of the sum insured.
-
Tax Benefits
All premiums paid towards the Star Health Assure Insurance Policy are eligible for tax benefits under Section 80D as per the Income Tax Act, 1961.
How to claim the Star Health Insurance Assure plan?
In case of hospitalisation or a medical emergency, you must know how to claim your Star Assure Policy. Read the steps here:
Step 1: Inform your insurer 24 hours before hospitalisation (planned), and within 24 hours of hospitalisation (emergency).
Step 2: Upon filling out and submitting the claim form and required documents, you can receive treatment at a network hospital.
Step 3: The Star Health Insurance company will settle your medical expenses directly with the hospital.
Step 4: In case you were hospitalised in a non-network hospital, pay the medical bills upfront from your pocket. Later, the insurer will reimburse your hospital bills.
Step 5: If you need assistance with the claim procedure, call our toll-free number 1800 4200 269 or reach out to us at [email protected].
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.
Inclusions & exclusions
What the plan pays for, and what it doesn't.
Exclusions
- Read below to understand what’s not covered under the Star Assure Health Insurance Policy:
- Investigation & evaluation
- Rest cure, rehabilitation (except coverage under the schedule) and respite care
- Obesity/ weight control
- Change of gender treatments
- Hazardous/ adventurous activities/sports
- Unproven treatment, sterility, and infertility treatments
- Maternity (except specified in the schedule)
- Excluded providers
- Breach of law
- Alcoholism/drug abuse
- Pre-existing Diseases: 30/36 Months
- Listed Ailments: 24 Months
Who can buy this plan
Eligibility criteria pulled straight from the policy wording.
- Entry Age: - 18 Years
- Max Entry Age: - 75 Years
- SI: - 5 L - 2 Cr
- Waiting Period: - 30 Days
Other features & benefits
To Sum It Up
The Star Health Assure Policy offers coverage for almost all kinds of new-age treatments, OPD, pre-natal and post-natal care, and more. The Star Health Assure Plan premium is affordable and allows policyholders to get ultimate benefits at pocket-friendly options. With Star Assure Health Policy, you can be rest assured of your and your family’s health and well-being.
If you need any further assistance with the company’s customer care or Star Health Assure insurance policy details, click on "Get a Quote" on your screen and reach out to the insurance advisors at PolicyX.com.
Star Health Assure Insurance Policy: FAQs
The 9 most-asked questions about Star Health Assure Policy, answered.
Star Health Assure Insurance Policy is available to individuals fulfilling the following eligibility criteria: Minimum Entry Age - 91 Days Maximum Entry Age - 75 Years Under the floater basis, up to 3 dependent children can be covered from 16 days to 17 years.
The various sum insured options available under the Star Health Assure Insurance Policy range between 5 Lakhs to 2 Crore.
Yes, Star Health Assure Insurance Policy is eligible for tax benefits as per the Income Tax Act, of 1961. The premiums paid towards the plan are eligible for tax benefits.
Yes, Automatic restoration is available under the Star Health Assure Insurance Policy.
Yes, newborn baby expenses are covered under the plan.
The Star Health Assure Plan gives continuous medical coverage by refilling the sum insured unlimited times in a year. It also offers a 20 percent wellness discount and no room rent cap for cover above 10 lakh.
Anyone between 18 and 65 years can buy this policy, and dependent children aged 3 months to 25 years can also be included.
Star Health Assure is a 360-degree family health plan with wide coverage, no pre-medicals, maternity and newborn benefits, home care, restoration, and add-on inclusion for spouse or child.
Under the Star Health Assure Plan, adults can enter up to age 75, and children from 16 days to 17 years can be covered, with individual cover starting from 91 days.
Explore Star Health Insurance
Star Health Free Health Check-Up
Star Health Insurance Premium Calculator
Star Health Policy Download
Star Health Claim Settlement Ratio
Renewal of Star Health Insurance
Star Health Insurance Customer Care
Star Health Incurred Claim Ratio
Star Health Policy Cancellation
Star Health Insurance Claims
Health Insurance Articles
Is a Fractured Leg Covered by Health Insurance?
How Senior Citizens Can Get Health Insurance Tax Benefits u/s 80D
How Air Pollution Is Silently Causing 10 Health Diseases
Eye Conditions Actually Covered Under Health Insurance in India
Claim Settlement Ratio of Health Insurance Companies 2026
Health Insurance for Cancer
See More Health Insurance Articles
Health Insurance Premium Calculator
PolicyX.com premium calculator offers premium comparison for some of the best health plans in India. Input your details and find the most suitable health insurance policies for your requirements.
Written and reviewed by
PolicyX content is researched in-house and reviewed by an IRDAI-certified insurance specialist before publication.
Compare Health Insurance Plans
Select a company and plan for each side to see a detailed side-by-side comparison.
Other Health Insurance Companies
Share your Valuable Feedback
Rated by 2,707 customers
Was the Information Helpful?
Select Your Rating
We would like to hear from you
Let us know about your experience or any feedback that might help us serve you better in future.
Do you have any thoughts you'd like to share?