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Reasons to Buy Health Policy From Star Health Insurance

Updated On Nov 01, 2020

Choosing a health insurance provider can be very challenging, especially when there are dozens of them to pick from. At present, there are 30 healthcare insurance providers in India. Today we will look at Star Health Insurance in detail.

Read more: Want to Buy a Star Health Insurance Policy? Quick Reasons Why It's Time To Buy Online

Reasons to Buy Health Policy From Star Health Insurance

Star Health Insurance is a stand-alone health insurance company which makes it a good choice for being a health insurance provider. Highlights of the company are:

1. Huge Network of Hospitals: Star has a huge network of around 9900+ hospitals across the country. This is a huge benefit as customers get greater choice of hospitals.
2. In-House Claim Settlement: As the settlement is in-house, customers don’t have to go via a third party which delays the processes and is often additional hassle for the policyholder.
3. High Claim Settlement Ratio: An important consideration in selecting a health insurance provider is the claim settlement ratio which provides an indication of the company’s commitment to settle claims. Higher the ratio, better the chances of a claim settlement. In 2018 -19, the company had a claim settlement ratio of 90%.
4. Faster Cashless Claim Settlement: According to the company’s website, 90% of their direct claims are settled within 2 hours. This is a great relief for the policy holders.
5. Wide Array of Customized Products: Star Health Insurance has some great offerings which are unique:

  • Coverage for children older than 16 days
  • Plans for Senior Citizen with entry age till 75 years
  • Pilot offering for people diagnosed with Stage 1 and Stage 2 cancer
  • Coverage for cardiac care
  • Plans for Diabetics
  • Coverage for people with HIV
  • Healthcare for children with Autism Spectrum disorderCritical care coverage plans that cover 9 critical diseases

6. Pan India Presence:  Star Health Insurance  has more than 400 branches across India.
7. Online Medical Record:  Convenient access to medical records online. The policy stores the medical records of the patient and these can be accessed by any doctor pan India.  
8. Doctor Consultation: Star provides free doctor consultation. The consultation charges in few policies have an upper limit and this amount comes from your sum insured. 

You may also like to read: How to Choose the Best Mediclaim Policy Online in India

Benefits Available With Star Health Insurance Plans

Star Health insurance company has been around for quite sometime and offers the following coverage benefits with its health insurance plans:

  • Single A/C room
  • Compassionate travel
  • Air Ambulance
  • Wellness check for claim free year
  • Auto restoration of sum insured
  • Hospitalization Cash
  • Day care treatment
  • Coverage for Domiciliary hospitalization
  • Ayush treatment coverage
  • Dental and Opthalmo out-patient in a block of 3 years

Read here: Know Factors to Compare Health Insurance


Star Health Insurance has been in business for the last 15 years in India in which it has won many popular industry awards. It boasts of over Rs. 12 thousand crores settlement since inception. With a wide coverage and great customer service, its unique product offerings are great value for its millions of satisfied policy holders.

Disclaimer: This article is issued in general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.

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