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 upAll 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 CoverageIf 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 BenefitCashless 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 RatioThe 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 ExpensesThe 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 RatioThe company’s Incurred Claim Ratio (ICR) in the financial year 2018-19 was 63%*. *The incurred claim ratio change from time to time.
Tax BenefitPremium 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 Plan||Sum Insured|
|Family Health OptimaMin: 16 Days; Max: 65 Years||3 Lakh||Get Quotes Now|
|Star ComprehensiveMin: 3 Months; Max: 65 Years||5 Lakh||Get Quotes Now|
|Red CarpetMini: 60 Years; Max 75 Years||1 Lakh||Get Quotes Now|
|Diabetes SafeMin: 18 Years; Max: 65 Years||3 Lakh||Get Quotes Now|
|Cardiac CareMin: 10 Years; Max 65 Years||3 Lakh||Get Quotes Now|
|Medi Classic Insurance PolicyMin: 5 Months; Max: 65 Years||2 Lakh||Get Quotes Now|
|Cancer Care Gold Min: 5 Months; Max: 65 Years||3 Lakh||Get Quotes Now|
|Star Health GainMin: 91 Days; Max: 65 Years||1 Lakh||Get Quotes Now|
|Special Care Min: 3 Years; Max: 25 Years||3 Lakh||Get Quotes Now|
|Net Plus Min: No Restriction; Max: No Restriction||5 Thousand||Get Quotes Now|
|Criticare PlusMin 18 Years; Max: 65 Years||2 Lakh||Get Quotes Now|
|Star Care Micro InsuranceMin: 2 Years; Max: 65 Years||1 Lakh||Get Quotes Now|
|Family DeliteMin: 5 Months; Max: 65 Years||2 Lakh||Get Quotes Now|
|Arogya Sanjeevani PolicyMin: 3 months; Max: 65 years||1 Lakh - 5 Lakh||Get Quotes Now|
|Corona Kavach PolicyMin: 1 Day, Max: 65 Years||50,000 - 5 lakh||Get Quotes Now|
|Corona Rakshak PolicyMin: 18 years; Max: 65 years||50,000 - 2.5 lakh||Get Quotes Now|
Star Health Insurance User Reviews
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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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