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Star Health Insurance

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Star Health Insurance
Claim Settlement Ratio90%
COVID-19 CoverYes
In-House Claim SettlementAvailable
Network Hospitals14,000+
Policies Sold37,34,365

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Star Health Insurance Plan List

    Name of PlanSum Insured
    Star Novel Coronavirus (nCov) (COVID-19) InsuranceMin: 3 months; Max: 65 years Check Premium
    Young Star Insurance PolicyMin: 91 days; Max: 40 years3 Lakh-1 Crore Check Premium
    Star Care Micro InsuranceMin: 2 Years; Max: 65 Years1 Lakh Check Premium
    Family DeliteMin: 5 Months; Max: 65 Years2 Lakh Check Premium
    Arogya Sanjeevani PolicyMin: 3 months; Max: 65 years1 Lakh - 5 Lakh Check Premium
    Corona Kavach PolicyMin: 1 Day, Max: 65 Years50,000 - 5 Lakh Check Premium
    Corona Rakshak PolicyMin: 18 years; Max: 65 years50,000 - 2.5 lakh Check Premium
    Outpatient Care Insurance PolicyMin: 31 day; Max: 50 years25 Thousand - 1 Lakh Check Premium
    Star Micro Rural And Farmers Care PolicyMin: 12 months; Max: 65 years Check Premium
    Criticare PlusMin 18 Years; Max: 65 Years2 Lakh Check Premium
    Star ComprehensiveMin: 3 Months; Max: 65 Years5 Lakh Check Premium
    Red CarpetMini: 60 Years; Max 75 Years1 Lakh Check Premium
    Diabetes SafeMin: 18 Years; Max: 65 Years3 Lakh Check Premium
    Cardiac CareMin: 10 Years; Max 65 Years3 Lakh Check Premium
    Medi Classic Insurance PolicyMin: 5 Months; Max: 65 Years2 Lakh Check Premium
    Cancer Care Gold Min: 5 Months; Max: 65 Years3 Lakh Check Premium
    Star Health GainMin: 91 Days; Max: 65 Years1 Lakh Check Premium
    Special Care Min: 3 Years; Max: 25 Years3 Lakh Check Premium
    Family Health OptimaMin: 16 Days; Max: 65 Years3 Lakh Check Premium

    About Star Health Insurance

    Star Health and Allied Insurance began its operations in 2006. It is India’s first standalone health insurance provider and offers a wide range of affordable health insurance products for individuals, families, and corporations. Since its establishment, Star Health has immensely grown its operations, with 830 branches across the country.

    Star Health Insurance plans cover policyholders' medical check-ups, AYUSH systems of medicines, critical illnesses, and hospitalization expenses. Furthermore, the policyholders of Star Health are also eligible for coronavirus coverage.

    Star Health Insurance Premium Calculation 

    A premium is an amount paid by policyholders to the insurer in exchange for health insurance coverage. The Star Health Insurance premium amount is determined on the basis of several factors.

    • Health History: Your health history is one of the elements that affect the premium amount of your Star Health Insurance plan. If you have any pre-existing medical conditions, you will have to pay a higher premium. This is because in such cases, the insurance company faces higher chances of obligating a claim in comparison to policyholders who are fit and fine.
    • Number of Members Covered: The premium amount for the Star Health policy would be less if you bought an individual health insurance plan. However, if you choose to add your other family members as floaters, you will have to pay a higher premium as you require more coverage.
    • Age: As you age, you become more prone to diseases and hence have greater chances of making claims under the health insurance plans offered by Star Health. Therefore, you will have to pay higher premiums if you buy plans in your old age as compared to your young age.
    • Sum Insured: You receive a larger coverage when you choose the higher sum assured Star Health Policy. As a result, you may have to pay a higher premium against your plan.
    • Lifestyle: Unhealthy lifestyle habits like smoking, drinking, and others put an individual at great risk of getting diseases, resulting in higher chances of making claims. Therefore, you may have to pay a higher premium against your Star Health Insurance.

    Star Health Insurance Policy Details

    The Star Health Policy covers you against numerous diseases and illnesses. Here’s a list of the top 5 plans offered by Star Health.

    • Star Family Health Optima Policy: It is a family floater health insurance plan that provides coverage for the entire family under a single sum insured. The policy covers expenses related to air ambulances, pre-hospitalization, post-hospitalization, and other costs. The policyholders can choose the sum assured, which ranges from Rs. 1 lakh to Rs. 25 lakhs depending on their needs.
    • Star Comprehensive Health Insurance Policy: It provides coverage for individuals aged between 3 months and 65 years. The plan is available without any sub-limit or capping. Furthermore, it covers expenses incurred due to medical consultation, domiciliary hospitalization expenses, daycare treatment, and more.
    • Star Medi Classic Insurance Policy: Medi Classic Insurance Policy is an individual health insurance policy that protects you from hospitalization costs incurred due to any illness, sickness, disease, or accident. You can be covered under this policy if you are aged between 5 months and 65 years. The plan offers several coverage features, including daycare treatments, health check-ups, non-allopathic treatments, in-patient hospitalization coverage, and ambulance charges.
    • Star Senior Citizens Red Carpet Health Insurance Policy: Star Health has designed this policy to cater to the unique needs of senior citizens. The policy offers a lifelong renewability feature and can be purchased either on an individual or floater basis. The age of the policyholder should range between 60 and 75 years. Some expenses covered under this Star Health policy include pre-hospitalization, post-hospitalization, health check-ups, and others.
    • Young Star Insurance Policy: Policyholders can purchase this plan either on an individual or family floater basis. The minimum sum assured for this plan is Rs. 3 lakh, and the maximum is Rs. 1 crore. The Young Star Insurance Policy provides coverage for expenses incurred due to in-patient hospitalization, road ambulance, pre-hospitalization, and others.

    What Is A Health Insurance Top-up Plan and Why Should I Buy It?

    A health insurance top-up plan provides additional coverage to policyholders on their existing plan. These plans pay for medical expenditures incurred as a result of a single illness that exceeds the sum insured in your existing policy. Thus, a top-up health insurance plan helps you increase coverage at a reasonable premium.

    Star Health Insurance offers the Star Super Surplus Insurance Policy as a top-up plan that you can purchase on an individual or floater basis for extended coverage of your base health insurance policy. All daycare procedures, organ donation expenses, pre-hospitalization and post-hospitalization expenses, and air ambulance expenses are covered under this plan.

    Here’s a rundown on why you should purchase a Star Health Policy with a top-up feature.

    • Extended Coverage: Top-up health insurance plans provide wide coverage to policyholders. During treatment, if the treatment cost exceeds the sum assured limit, you can top-up your Star Health Insurance plan.
    • Affordable Premiums: Another reason to buy a Star Health Top-up Policy is that you have to pay affordable premiums. However, if you purchase a health insurance policy, you may have to pay a higher premium for coverage.
    • Financial Stability: During medical emergencies, you won’t have to worry about paying treatment expenses from your own pocket, even if your medical costs exceed the sum assured limit. All you need to do is buy the Star Health Top-up Insurance Plan.
    • Tax Benefits: Star Health Insurance policyholders are eligible for a tax exemption on a premium paid under Section 80D of the Income Tax Act.

    Star Health Insurance Top Up List

      Name of PlanSum Insured
      Super SurplusMin: 91 Days; Max: 65 Years5 Lakh Check Premium
      Star Hospital Cash Insurance PolicyMin: 91 days; Max: 65 years Check Premium

      Why Choose Star Health Insurance?

      Star Health is one of the best insurance companies in India. Here are some benefits of investing in Star Health Insurance plans.

      • Network Hospitals: Star Health is associated with over 14000 hospitals, clinics, and health organizations to provide cashless treatment facilities to policyholders. During a medical emergency, you can locate and visit the nearest network hospital to avoid paying hefty medical bills.
      • Anytime Assistance: Another advantage of purchasing a Star Health policy is that you get anytime assistance from the customer support team. Whether you want to locate a network hospital or initiate a claim settlement process, you can reach out to the company’s support team anytime.
      • Add-on Benefits: Star Health provides additional benefits like riders to provide enhanced coverage to policyholders. You can choose from different riders, such as critical illness riders, premium waiver benefit riders, and others.
      • Multiple Plans: The policyholders can choose between different health insurance plans to cater to their unique needs. Some types of health plans offered by Star Health Insurance include family floater health plans, individual health plans, and group health insurance.

      Health Insurance Coverage Calculator

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      Disclaimer : Actual Coverage might vary basis your location, age and number of members

      Network Hospitals of Star Health Insurance

      A network hospital works in association with an insurance company to offer cashless treatment to policyholders. Star Health Insurance has tie-ups with over 14,000 network hospitals across the country. The policyholder can locate and visit these Star Health network hospitals for cashless treatment. All you need to do is inform your insurer about your hospitalization, and the hospital will directly settle the hospital treatment bills with them.

      2658 Star Cashless Network Hospitals in India

      Star Health Insurance Tax Benefits 

      Apart from the many additional benefits given by Star Health Insurance, a health insurance plan also provides income tax benefits under Section 80D of the Income Tax Act of 1961.You can claim the following income tax deductions on the health insurance premium paid in a financial year:


      Premium Paid

      Deduction under Section 80D of the Income Tax Act

      Self, Family, Children


      When Policyholder and Parents are below 60 years

      Rs. 25,000

      Rs. 25,000

      Rs. 50,000

      When Policyholder and family members are below 60 years with parents above 60 years

      Rs. 25,000

      Rs. 50,000

      Rs. 75,000

      When Policyholder, family members and parents are above 60 years

      Rs. 50,000

      Rs. 50,000

      Rs. 1,00,000

      Members of HUF

      Rs. 25,000

      Rs. 25,000

      Rs. 25,000

      Non-resident Individuals

      Rs. 25,000

      Rs. 25,000

      Rs. 25,000

      Save Tax upto ₹75000*
      Under Section 80D

      *Tax benefits are subject to changes in Income Tax Act.

      Star Health Insurance Claim Settlement Ratio 

      Star Health Insurance offers a quick and easy claim settlement process for its customers. The company has a claim settlement ratio of 90%, making it one of the best insurance companies in India. The policyholders of Star Health Insurance can claim their health insurance plan in two ways: cashless claim settlement or reimbursement claim settlement. Read on to find out the process you need to follow in each claim settlement process.

      Star Health Insurance's Cashless Claim Settlement Process

      • Reach Network Hospital: Visit the insurance desk at a network hospital. Intimately contact Star Health Insurance by calling them at 1800 425 2255/ 1800 102 4477 or dropping them an email at
      • Show Your Star Health ID Card: At the reception of the network hospital, show your health ID card for your Star Health Insurance Policy.
      • Submit Necessary Documents: Provide all the necessary documents that are required for pre-admission investigations and consultations at the hospital.
      • Document Verification: Star Health will verify all the documents submitted by you before processing your claim request. In some cases, an agent may also be sent to the hospital for verification of the documents.
      • Settlement of Claim: Once you get discharged, the network hospital will send claim documents to Star Health Insurance. Therefore, a network hospital will directly settle a claim with an insurance company.

      Star Health Insurance’s Reimbursement Claim Settlement Process

      In this claim settlement process, the policyholder can visit the hospital of their choice. Get treatment and pay medical bills from your own pocket. After that, fill out the Star Health reimbursement claim form and submit it with all the necessary documents attached to it.

      Star Health Insurance will process your claim request after verification of the documents.

      Here’s a list of documents that you need in the reimbursement claim settlement process for Star Health Insurance.

      • Copy of Star Health ID Card
      • Duly filled claim form
      • Original discharge summary received from the hospital
      • Papers related to pre-admission investigations and doctor’s consultation
      • Medical reports (X-ray, blood tests, scans, etc.)
      • Invoices and prescriptions from the pharmacy
      • Receipts from the chemist as well as hospital
      • FIR and/or Medico Legal Certificate in case of an accident
      • A copy of the KYC documents
      • NEFT details, email ID, and contact details

      Claim Process at Star Health Insurance

      • Network Hospital
      • Non-Network Hospital
      • 1

        Claim Assistance

        For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
      • 2

        Claim Intimation

        Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 48 hours prior to admission.
      • 3

        Claim Processing

        Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
      • 4

        Claim Settlement

        Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.
      • 1

        Claim Assistance

        For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
      • 2

        Claim Intimation

        Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 48 hours prior to admission.
      • 3

        Claim Processing

        Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
      • 4

        Claim Settlement

        Once your request for reimbursement of expenses is approved, the claim will be settled.

      Benefits of Star Health Insurance Plans 

      You can choose Star Health Insurance plans to avail the following benefits:

      • Wide Network of Cashless Hospitals: Star Health Insurance has a wide network of over 9,900 network hospitals where you can avail cashless treatment under your health insurance policy.
      • In-House Claim Settlement: Star Health Insurance has an in-house claim settlement process that makes resolving your claim simple and fast.
      • Timely Settlement Of Claims: Star Health Insurance claims to have settled 90% received health insurance claims in less than 2 hours.
      • Wide Range Of Sum Insured Options: Health insurance plans offered by Star Health Insurance come with a wide range of sum insured options. You can choose the right sum insured for yourself and for your family on the basis of factors such as age, health history, current health, number of members covered under the plan, etc.
      • Lifetime Renewability: There is no restriction such as maximum age for renewals under health insurance plans offered by Star Health. Thus, you can get your Star Health Insurance plan renewed anytime during your lifetime.

      Star Health Insurance User Reviews

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      What users are saying
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      • Premium
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      • Critical Illness
      • InsuranceDekho has total transparency when it comes to health insurance policies, and the Star Health Insuranc...

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        By Pranav Mittal
        On: May 30, 2023
      • I've been with Star Health Insurance Policy which I purchased from the InsuarcneDekho portal for a year and am...

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        By Sunita Mohanty
        On: May 29, 2023
      • At InsuarnceDekho, I read about the Star Health Insurance Policy. What I really liked about the policy was tha...

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        By Shonit Banerjee
        On: May 26, 2023
      • The InsuranceDekho website is very well managed. While buying the Star Health Insurance Policy from their webs...

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        By Bhavna Bahuja
        On: May 25, 2023
      • My purchase of the Star Health Insurance Policy was smoother and more convenient. I would like to thank the am...

        Read More
        By Adrian D’souza
        On: May 24, 2023

      Latest News on Star Health Insurance

      Inclusions and Exclusions of the Star Health Insurance Plan

      Here is a list of some things that are covered and not covered under the Star Health Policy.

      What is Covered?

      • In-patient Hospitalisation Expenses: Health insurance plans offered by Star Health Insurance cover you against in-patient hospitalisation expenses incurred due to hospitalisation because of any illness, sickness, disease, or accident.
      • Pre-hospitalisation And Post-hospitalisation Expenses: Pre-hospitalization and post-hospitalization expenses are covered for up to 90 and 180 days, respectively, under Star Health insurance plans.
      • AYUSH Treatments: Star Health insurance plans offer cover for expenses related to AYUSH systems of medicines. These include Ayurveda, Unaani, Siddha, and Homeopathy.
      • Ambulance Cover: In the case that you require medical attention, Star Health Insurance policies cover you against emergency ambulance expenses.
      • Daycare Procedures: Under health insurance plans offered by Star Health Insurance, you can seek treatment for daycare procedures. These are procedures that require hospitalization for less than 24 hours. For instance, chemotherapy, radiation, dialysis, and cataracts
      • Orgon Donor Expenses: Star Health provides coverage for expenses incurred due to organ donors.

      What is Not Covered?

      • Cosmetic Surgery: Treatments related to cosmetic surgery are not covered under health insurance plans offered by Star Health Insurance.
      • Self-Inflicted Injuries: Self-inflicted injuries, such as those suffered during a suicide attempt, are not covered by Star Health Insurance plans.
      • Injuries Due To Participation In Adventure Sports: Expenses arising due to participation in adventure sports activities such as mountain climbing, paragliding, etc. are not covered under Star Health Insurance plans.
      • Illness Due to Use of Intoxicating Substances: Star Health Insurance does not cover any treatment that may be required as a result of the use of intoxicating substances. These may include drugs, alcoholism, smoking, and tobacco chewing.
      • Weight Control Treatments: Star Health Insurance Plans do not cover expenses incurred on weight control and surgical procedures, including bariatric surgery or obesity treatment.

      Star Health Insurance Policy Terms 

      Star Health Insurance policies are available with the terms tabulated below:

      Minimum Entry Age

      3 months

      Maximum Entry Age

      65 years/no limit

      Policy Renewal

      Lifetime renewability guaranteed


      Co-payment of 20% is applicable on each and every claim for people aged over 60 years at entry level and subsequent renewals.

      General Waiting Period

      A waiting period of 30 days needs to be completed to seek benefits, except in case of injury, under the plans.

      However, these terms of Star Health Insurance plans are subject to vary from plan to plan.

      How to Buy Star Health Insurance Policy at InsuranceDekho?

      Policyholders can purchase the Star Health Policy either online or offline from InsuranceDekho. The steps that you need to take in both cases are highlighted below.

      Process to Buy Star Health Insurance Online

      • Visit the official website of
      • Click on the “Health” tab.
      • Provide your personal details, like your name, phone number, and gender.
      • Enter the OTP received on your registered mobile number.
      • After verification, click on the “View Quotes” tab.
      • Choose the family members you want to cover under your policy.
      • Click the “Continue” tab.
      • Enter the age of the family members covered under the plan.
      • Provide your email address and click “View Quotes.”
      • A list of health insurance plans will be displayed on your screen. You can compare them and choose the best one according to your needs.

      Process to Buy Star Health Insurance Offline

      Policyholders can also buy Star Health Insurance offline at InsuranceDekho. You can call the customer support team at their toll-free number, 7551-196-989. The customer service team is available 7 days a week, from morning 10:00 a.m. to evening 6:30 p.m.

      Must BuyMust Buy

      Why to Buy Health Insurance Policy Online from InsuranceDekho

      • Tax benefit upto 75,000*
      • Claim support everyday 10AM-7PM
      • 50 Lacs+ happy customers

      Star Health Insurance Renewal Process

      The policyholders must renew their Star Health policy to keep receiving coverage for their insurance plan. The Star Health Renewal process can be easily done online after a specific tenure. Here are the steps that you need to take:

      • Visit the official website of Star Health Insurance.
      • Under the “customer service section,” click on the renewal page.
      • Enter your policy details, such as your policy number and date of birth.
      • Click on the “renew now” tab.
      • Select the Star Health plan for which you want to pay a premium.
      • Complete the payment process to complete the Star Health renewal process.

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      Star Health Insurance Contact Details

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      FAQ About Star Health Insurance

      • How to buy Star Health Insurance Plan?

        InsuranceDekho provides you easy ways to buy Star Health Insurance Policy. These are: 

        • Online: On the online mode, the policy is generated instantly along with the card and kit. However, this feature is mostly applicable for the cases, where there is no requirement of medical checkup or underwriting. 
        • Telephone - You can also contact the customer care executives at InsuranceDekho on the toll-free number 7551196989 and get all the details of the plan. 
      • Why should I buy a Star Health insurance plan?

        The health insurance policy by Star Health safeguards you and your family for any financial crisis that may arise due to a medical emergency. Purchasing a proper health plan can assist you in saving your hard-earned money and other assets.

      • How many claims can I make in a year?

        You can make any number of claims over the year. But, the number of claims should not exceed the limit of the sum insured.

      • How many network hospitals are covered under Star Health?

        There are more than 9,800 top-quality network hospitals covered under Star Health.

      • Is medical check-up required to buy a Star Health Insurance Policy?

        Yes, the medical check-up is required to buy a Star Health Insurance Policy. But it is applicable only for the people of above 50 years. 

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