Star Health Insurance Benefits

Star Health Insurance

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Network Hospitals9,900+
Policies Sold37,34,365
Lifelong RenewabilityLifelong
Claim Settlement Ratio78.52%
In-House Claim Settlement100%
COVID-19 CoverYes

Benefits of Star Health Insurance

Star Health and Allied Insurance Company were formed in the year 2006, as the first standalone health insurance provider in India. The company offered health insurance, overseas mediclaim plans, and personal accident plans. Ever since its inception, the company has made its presence felt and has emerged as a reputed name in the general insurance segment.

The company has won a variety of awards proving it to be one of India’s premier health insurance companies. In 2017 the company won the WHO Award of Excellence while in the year 2018-19, it won the Best Insurance Provider of the Year at the Money Today Financial Awards 2018-19. The company’s branches are spread across the country at more than 450 locations, enabling individuals to access it easily.

In terms of health insurance products, Star Health offers a range of health insurance plans which are both innovative and unique in their benefit structure. While the coverage under the plans is comprehensive, premiums are affordable to suit every individual’s pockets.

  • Additional Benefit of Free Health Check up

    All health insurance plans offered by Star Health provide the benefit of free health check-ups to the insured members. This benefit helps individuals track their health and improve it if required.
  • Additional Protection over Employer Coverage

    If you are covered under a group health insurance plan provided by your employer, you can enhance the coverage benefits of your existing plan as well the sum insured by opting for individual health insurance plans from Star Health. Health plans offered by the company help supplement an existing employer sponsored group health plan.
  • Cashless Benefit

    Cashless claims are when you don’t have to pay for the medical bills yourself as the insurance company settles them directly with the networked hospital. This reduces your financial burden and so Star Health has tied-up with more than 9,800 hospitals in India to offer you cashless coverage. Moreover, the company’s claim settlement department is also in-house thereby eliminating the hassles of getting the claim settled through TPAs.
  • Claim Settement Ratio

    The company has a high claim settlement ratio. It settled around 695,784 claims in the financial year 2017-18. The company's claim settlement ratio was 79.34%*, and the company's claim settlement ratio in FY 2018-2019 is 90%*. *The claim settlement ratio change from time to time.
  • Coverage against Medical Expenses

    The health insurance plans offered by Star Health cover almost every type of medical expenses. You can get coverage for pre hospitalisation, post hospitalisation, inpatient hospitalisation, ambulance costs, day care treatments, etc. Moreover, many plans also provide coverage for maternity related benefits, sum insured restoration, organ donor expenses, domiciliary treatments, etc. making the scope of coverage of Star Health’s plans comprehensive.
  • Incurred Claim Ratio

    The company’s Incurred Claim Ratio (ICR) in the financial year 2018-19 was 63%*. *The incurred claim ratio change from time to time.
  • Tax Benefit

    Premium paid for the health plans of Star Health allow you to claim deductions under Section 80D up to Rs. 55,000 (Rs. 25,000 for individual and Rs. 30,000 for senior citizen).

Star Health Insurance Plan List

Name of PlanSum Insured
Family Health OptimaMin: 16 Days; Max: 65 Years3 Lakh Get Quotes Now
Star ComprehensiveMin: 3 Months; Max: 65 Years5 Lakh Get Quotes Now
Red CarpetMini: 60 Years; Max 75 Years1 Lakh Get Quotes Now
Diabetes SafeMin: 18 Years; Max: 65 Years3 Lakh Get Quotes Now
Cardiac CareMin: 10 Years; Max 65 Years3 Lakh Get Quotes Now
Medi Classic Insurance PolicyMin: 5 Months; Max: 65 Years2 Lakh Get Quotes Now
Cancer Care Gold Min: 5 Months; Max: 65 Years3 Lakh Get Quotes Now
Star Health GainMin: 91 Days; Max: 65 Years1 Lakh Get Quotes Now
Special Care Min: 3 Years; Max: 25 Years3 Lakh Get Quotes Now
Net Plus Min: No Restriction; Max: No Restriction5 Thousand Get Quotes Now
Criticare PlusMin 18 Years; Max: 65 Years2 Lakh Get Quotes Now
Star Care Micro InsuranceMin: 2 Years; Max: 65 Years1 Lakh Get Quotes Now
Family DeliteMin: 5 Months; Max: 65 Years2 Lakh Get Quotes Now
Arogya Sanjeevani PolicyMin: 3 months; Max: 65 years1 Lakh - 5 Lakh Get Quotes Now
Corona Kavach PolicyMin: 1 Day, Max: 65 Years50,000 - 5 lakh Get Quotes Now
Corona Rakshak PolicyMin: 18 years; Max: 65 years50,000 - 2.5 lakh Get Quotes Now

Star Health Insurance Top Up List

Name of PlanSum Insured
Super SurplusMin: 91 Days; Max: 65 Years5 Lakh Get Quotes Now

Star Health Insurance User Reviews

What users are saying
  • Quality has no boundaries

    Family Health Optima is an excellent plan . 

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    Family Health Optima
    On: Jun 27, 2020
  • Complete coverage

    Star Health Arogya Sanjeevani Policy offers complete coverage to me and my family against hospitalisation expe...

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    Arogya Sanjeevani Policy
    By Bhanu Pratap Singh
    On: Jun 18, 2020
  • Helpful team at InsuranceDekho

    I purchased Star Health Arogya Sanjeevani Policy from InsuranceDekho on a colleague’s advice. Not only t...

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    Arogya Sanjeevani Policy
    By Niyati Jain
    On: Jun 17, 2020
  • Very useful policy

    To purchase Star Health Arogya Sanjeevani Policy from InsuranceDekho was the best decision I made. The policy ...

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    Arogya Sanjeevani Policy
    By Deepak Spal
    On: Jun 15, 2020
  • Nice services by InsuranceDekh...

    I have purchased this policy from a friend who works in insurancedekho. He explained me everything about this ...

    Read More
    Arogya Sanjeevani Policy
    By Jimmy Khattar
    On: Apr 17, 2020
  • Nice plan that covers coronavi...

    When I contacted the customer care executives at InsuranceDekho, I shared my requirements with them and was ha...

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    Arogya Sanjeevani Policy
    By Sakshi Goel
    On: Apr 16, 2020
  • Plan provides lump sum payment

    The plan provides a lump sum amount at the time of diagnosis of critical illness. I get cover for 9 major illn...

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    Criticare Plus
    By Gitesh Puri
    On: Feb 20, 2020
  • I got lump sum

    Criticare plus health insurance plan provides me cover for 9 major critical illnesses. And there is no surviva...

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    Criticare Plus
    By Pankaj Kumar
    On: Feb 20, 2020
  • Best plan online

    Star health has been the most reliable health insurance provider for me and I also refer this company to peopl...

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    Star Care Micro Insurance
    By Manvendra Singh Negi
    On: Feb 20, 2020
  • Best plan.!

    Star care micro insurance offers me the best benefits. I have low income so i wanted to have a plan with low s...

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    Star Care Micro Insurance
    By Deepak Khatri
    On: Feb 20, 2020

Star Health Insurance Contact Details

Reach us for help anytime

Star Health Insurance FAQs

  • How to buy Star Health Insurance Plan?

    InsuranceDekho provides you easy ways to a buy Star Health Insurance Policy. The most feasible way is to buy it directly online from our website or calling  our toll-free number 1800-1205-698. 


    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 our toll-free number 1800-1205-698 to talk to support staff 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 shouldn’t 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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