Star Health and Allied Insurance Co. Ltd. is a trailblazer in health insurance in India. Began in 2006 through a partnership with Allied Insurance, Star Health Insurance holds the distinction of being India’s first standalone insurance company. It brings you a range of health insurance plans that are affordable and provide extensive coverage. At the heart of Star Health Insurance’s offerings are policies designed to safeguard your well-being, covering hospitalization expenses, medical check-ups, critical illnesses, Ayurveda treatments, and even a specialized medi claim plan for autistic children. Setting itself apart, Star Health Insurance boasts an extensive network of 11,000+ hospitals where insured members can avail themselves of cashless treatment, emphasizing accessibility and convenience. With a global footprint comprising over 340 branches worldwide, the insurer ensures that its services are accessible far and wide.
Let’s dive into the details and discover how Star Health Insurance is making health insurance accessible and comprehensive for Indians.
List of Star Health Insurance Plans
| Plan Name | Eligibility | Age Range | Minimum Coverage | Maximum Coverage |
| Star Comprehensive Insurance | For Family | 3 months – 65 years | ₹ 5 Lakh | ₹ 1 Crore |
| Star Family Health Optima | For Family | 16 days – 65 years | ₹ 5 Lakh | ₹ 25 Lakh |
| Star Red Carpet Senior Citizens Insurance | For Senior Citizens | 60 – 75 years | ₹ 1 Lakh | ₹ 25 Lakh |
| Star Health Assure Insurance Plan | For Individual/ Family | 16 days – 75 years | ₹ 5 Lakh | ₹ 2 Crore |
| Star Mediclassic Insurance | For Individuals | 16 – 65 years | ₹ 1.5 Lakh | ₹ 25 Lakh |
| Star Super Surplus Insurance | For Top-Up | 91 days – 65 years | ₹ 5 Lakh | ₹ 1 Crore |
| Star Health Gain Insurance | For Individuals | 91 days – 65 years | ₹ 1 Lakh | ₹ 5 Lakh |
| Star Cardiac Care Insurance | For Heart Diseases | 7 – 70 years | ₹ 3 Lakh | ₹ 15 Lakh |
| Star Diabetes Safe Insurance | For Diabetes | 18 – 65 years | ₹ 3 Lakh | ₹ 10 Lakh |
| Star Criticare Plus Insurance | For Critical Illness | 18 – 65 years | ₹ 2 Lakh | ₹ 10 Lakh |
| Star Cancer Care | For Cancer | 5 months – 65 years | ₹ 3 Lakh | ₹ 10 Lakh |
| Young Star Insurance | For People Below 35 years | 91 days – 40 years | ₹ 3 Lakh | ₹ 1 Crore |
| Star Arogya Sanjeevani Policy | For Family | 91 days – 40 years | ₹ 3 Lakh | ₹ 1 Crore |
| Star Outpatient Care Insurance | For OPD | 31 days – 50 years | ₹ 25,000 | ₹ 1 Lakh |
| Star Special Care Insurance | For Autism | 3 – 25 years | ₹ 3 Lakh | ₹ 3 Lakh |
| Star Health Novel Coronavirus Insurance | For COVID-19 | 3 months – 65 years | ₹ 21,000 | ₹ 42,000 |
| Star Hospital Cash Insurance | For Hospital Daily Cash | 91 days – 65 years | ₹ 1000 per day | ₹ 5000 per day |
| Star Corona Rakshak Policy | For COVID-19 | 18 – 65 years | ₹ 50,000 | ₹ 2.5 Lakh |
| Star Corona Kavach Policy | For COVID-19 | 1 day – 65 years | ₹ 50,000 | ₹ 5 Lakh |
| Star Women Care Insurance Policy | For Women | 91 days – 75 years | ₹ 5 Lakh | ₹ 1 Crore |
Why Choose Star Health Insurance Plans?
Star Health Insurance stands out as a premier choice to safeguard your health and financial well-being. Here’s why you should consider opting for their comprehensive range of health insurance plans:
- Star Health Insurance is committed to providing you with the best healthcare and medical treatment, ensuring your health remains a top priority. By opting for their plans, you secure access to top-notch medical facilities and services.
- Their health insurance policies ensure that you and your family are financially secure in the face of medical uncertainties. With coverage for a diverse range of health-related expenses, you can focus on recovery without worrying about the financial burden.
- You can benefit from the extensive network of 5000+ hospitals across the country associated with Star Health Insurance. This wide reach ensures that you can receive quality medical care at a hospital of your choice, enhancing accessibility and convenience.
- Star Health Insurance is renowned for its affordable health plans. The policies are designed to offer extensive coverage at a reasonable cost, making them an obvious choice for individuals and families seeking maximum benefits without breaking the bank.
- With a remarkable claim settlement ratio of 90%, the insurer instills confidence in its policyholders. This high ratio reflects the insurer’s commitment to processing and settling claims efficiently, providing peace of mind during challenging times.
Recommended Read: All About Incurred Claim Ratio
Benefits of Star Health Insurance Plans
When you choose Star Health and Allied Insurance, you secure your health and gain access to a range of additional benefits that enhance the overall value of your insurance coverage. These include:
- No co-payment is required for policyholders up to the age of 60. For individuals aged 61 to 65, a 20% co-payment is applicable for the Star Health Insurance Claim settlement, unless explicitly stated otherwise.
- Star Health Insurance plans offer the invaluable feature of lifetime renewability.
- Star Health Insurance plans include room rent expenses at 2% of the sum assured, capped at a maximum of Rs. 4000 per day. This provision ensures that your accommodation costs are covered, offering financial relief during hospitalization.
- The insurance cadopts a direct in-home claim settlement approach, eliminating the involvement of third-party administrators. This streamlined process enhances efficiency and ensures a direct and prompt settlement of claims.
In conclusion, Star Health Insurance not only prioritizes the financial aspects of health coverage but also focuses on convenience and transparency. These benefits, ranging from co-payment flexibility to direct claim settlement, contribute to making Star Health Insurance a reliable choice for comprehensive and hassle-free health protection.
Also Read: What is 1 cr Health Insurance?
How to File a Claim with Star Health Insurance
Availing a cashless claim with Star Health Insurance involves a straightforward process. Follow the steps below to ensure a seamless experience:
- When undergoing treatment at a network-listed hospital, initiate the process by visiting the insurance desk at the hospital’s reception.
- Provide your policy ID for identification purposes. This step ensures that your policy details are correctly linked to the claim.
- A doctor will assess the necessary documents. Upon verification, the doctor will process the claim in accordance with the terms and conditions of the chosen plan.
- The Star Health Network Hospital will cross-check your identity and submit the pre-authorization form to initiate the claim process.
- A designated field doctor will be available to simplify the hospitalization process for you. Their presence ensures a smooth coordination between the medical staff and the insurance claim procedure.
- After completing the necessary formalities, the claim will be settled as per the terms and conditions of your chosen plan.
For any additional assistance regarding an insurance policy or claim, you can easily contact the insurer’s customer care. Whether you have inquiries or need updates, a call to the customer care team will provide the necessary support.
Also Read: How to Use Star Health Insurance Premium Calculator?
How to Purchase a Star Health Insurance Plan Online?
You can buy a Star Health Insurance plan online in a few steps, as defined below:
Step 1: Select your gender (Male/Female) and provide your full name.
Step 2: Enter your accurate phone number, specify your age, and click ‘View Star Health Insurance Plans’ to explore available options.
Step 3: Continue the process by selecting your city and entering the corresponding pin code.
Step 4: Choose the desired plan that aligns with your requirements.
Step 5: Explore and compare different Star Health Insurance plans online. Utilize online platforms – insurance aggregator portals or official insurer’s website to calculate the premium associated with each plan.
Step 6: Once you have identified the right plan, proceed to pay the policy premium securely online. Alternatively, you can opt to speak with a knowledgeable representative or agent for detailed information and assistance.
Step 7: Upon successful completion of the above steps and payment confirmation, your policy details will be emailed to your registered email-id. This ensures you have quick access to your policy documentation.
How to Renew Star Health Insurance Plan Online?
Renewing your Star Medical Insurance Plan online is a hassle-free process. The following step-by-step procedure can guide you through the renewal procedure:
- Access the dedicated Star health insurance renewal page on the insurer’s website or third-party portals to initiate the policy renewal process.
- Fill in essential policy details, including your policy number, email ID, date of birth, and registered mobile number in the renewal form.
- Upon entering the necessary insurance details, the platform will generate the cost of the insurance premium.
- Once you have reviewed and confirmed the details, move forward with the renewal process.
- Choose from various payment options such as net banking, credit card, or debit card to complete the payment of the Star Health Insurance premium securely. This step confirms your renewal and ensures that your policy remains active.
Within a few seconds of completing the process, you will receive the Star health insurance renewal copy on your registered email-id. This document serves as confirmation of your renewed policy.
Read More: All About Aditya Birla Health Insurance
Documents Required for Star Health Reimbursement Claim
To facilitate a smooth reimbursement claim process with Star Health, ensure you have the following documents in order:
- Original pharmacy bills along with the prescription to validate medication expenses incurred during the treatment
- Duly filled and signed Star Medical Insurance claim form
- Medical test reports and investigation reports that are relevant to the treatment
- Bills and receipts from the surgeon involved in the medical procedures
- Document outlining the nature of the surgery/operation
- Registration Certificate of the hospital (If Lesser Than 15 Beds)
- FIR/Self-Declaration/Medico Legal Certificate (In Case of Accidental Hospitalization):
By preparing and submitting these documents, you can ensure a prompt and accurate processing of your Star Health reimbursement claim. This comprehensive documentation helps in validating expenses and expedites the reimbursement process.
Porting to a Star Health Insurance Policy: A Step-by-Step Guide
If you want to switch from other insurance providers to a Star Health Insurance policy, follow these steps:
- Choose the Star Health Insurance policy that best suits your requirements. Explore the available options to ensure the selected policy aligns with your healthcare needs.
- Fill out the portability and proposal forms. Provide accurate information to facilitate a smooth transfer process. These forms are available online and online platforms that simplify the entire porting procedure.
- Pay the premium for the chosen Star Health Insurance policy online. Ensure prompt and secure payment to initiate the porting request.
- Submit the portability request along with the required documentation. The insurer will review your request promptly.
- The insurer will notify you of the acceptance or rejection of your portability request within 15 to 30 days.
**It is advisable to raise the portability request approximately 45 days before the expiration of your current insurance policy.
Steps to Calculate Star Health Insurance Premium
Star Health & Allied Insurance Company Limited offers a straightforward method for determining the annual premium for its health insurance plans. This can be done via the Star Health Insurance Premium Calculator, as defined below:
- Utilize the dedicated Star Health Insurance Premium Calculator available on the official website.
- Provide essential details required for accurate premium calculation, including policy tenure, sum insured, total number of members intended to be added to the plan, date of birth of the eldest member, etc.
After you enter the necessary information, the tool will then process the data to generate an estimate of the basic premium and the gross premium amount. Evaluate the calculated premiums to make an informed decision.
More About Star Health Insurance Network Hospitals
Star Health Allied Insurance has established a robust network comprising over 11,000+ hospitals nationwide, offering policyholders the convenience of both cashless hospitalization and reimbursement facilities. This extensive network stands as one of the largest in the country, underscoring Star Health’s commitment to providing accessible healthcare.
- For situations where cashless options may not apply, Star Health Insurance also facilitates a straightforward reimbursement process. Submit your claims, and the insurer ensures a swift settlement without the involvement of a Third-party Administrator (TPA).
- To locate a network hospital convenient for you, use the user-friendly online Network Hospital Locator. Simply select your city and state from the drop-down menu, and you will instantly access the Star Health Insurance network hospitals list along with their contact details.
Ways to Contact Star Health Insurance Company
To reach Star Health Insurance Co Ltd for any inquiries or assistance, you can utilize the following contact information:
Registered Office:
Address: New Tank Street, Valluvar Kottam High Road, Chennai 600034
Phone: 28288800
For inquiries specific to your location or any other branch details, you can visit the official website or contact the nearest Star Health Insurance office. Additionally, the company’s customer support team is available to assist you with any queries you may have regarding policies, claims, or general information.
FAQs:
How long is the grace period for renewing Star Health Insurance?
Star Health Insurance offers a grace period of 30 days for policy renewal. This allows policyholders to pay the renewal premium even after the due date has passed, ensuring continued coverage and benefits during this period.
What is the waiting period for the initial childbirth covered by the Star Health Comprehensive Plan?
The waiting period for the first child delivery in the Star Comprehensive health plan is 24 months. Maternity coverage for the first delivery becomes available after maintaining uninterrupted policy coverage for 24 months or 2 years.
How can one check the status of a Star Health Insurance policy?
To check the status of a Star Health Insurance policy,
- Visit the official Star Health Insurance website and navigate to the ‘Claims’ tab.
- Click on the ‘Claim Status’ button, and provide the necessary details such as the policy ID number and claim intimation number.
- Click the ‘submit’ button.
- The system will display a list of network hospitals; select the relevant one where the medical procedure occurred and click ‘submit.’ The status of the claim will then be visible on the screen, allowing the policyholder to track the progress of the insurance claim filed.
Does Star Health Insurance offer a top-up plan?
Yes, Star Health Insurance provides the ‘Star Health Surplus Insurance Policy’ as its top-up plan. This policy offers a substantial sum assured at an affordable premium. Notably, it does not necessitate a medical check-up, though coverage for pre-existing conditions commences only after a waiting period of 3 years.
Is there a restriction on the frequency of Star Health claims within a year for an insured individual?
There is no specific limit on the number of Star Health Insurance claims that an insured can make in a year. However, it’s important to note that there is a limitation on the Sum Insured, which represents the maximum allowable amount as per the policy terms.
Disclaimer:
The content provided on this platform regarding insurers, their products, services, or offerings is solely intended for informational purposes. It may undergo updates without prior notice and should not be interpreted as professional advice or a suggestion to obtain any particular insurance product or service. Any reliance on such information is entirely at your own discretion and risk.