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Star Health Insurance Benefits

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Cashless Approval TAT90% Cashless claim settlement within 2 hrs
Claim Settlement Ratio89.90%
Network Hospitals14,000+
Pre-existing Disease Waiting Period1 year
Special BenefitsNo Extra Premium for Disease Coverage
Starting Premium for Rs. 5 lakhs SIRs. 410/month

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Star Health Insurance Plan List

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Benefits of Star Health Insurance

Star Health Insurance offers a comprehensive array of benefits designed to safeguard your health and financial well-being. With a commitment to providing top-notch medical coverage, Star Health Insurance plans encompass a wide spectrum of advantages tailored to meet diverse healthcare needs. From hospitalisation expenses to pre and post-hospitalisation costs, ambulance charges, and day-care procedures, these plans ensure holistic coverage. Additionally, benefits extend to critical illnesses, maternity expenses, and preventive health check-ups. This introduction provides a glimpse into the manifold advantages of Star Health Insurance, ensuring that you and your loved ones receive quality healthcare without the burden of excessive costs.

Introducing Star Health Insurance

As a prominent health insurance provider in India, Star Health Insurance has been a stalwart since its inception in 2006, headquartered in Chennai, Tamil Nadu.

Star Health Insurance presents an array of health insurance plans meticulously tailored to meet the diverse requirements of individuals and families. With a network of over 14,000 hospitals across the nation, the company ensures widespread coverage.

Benefits of Star Health Insurance

Star Health and Allied Insurance Company is one of the best insurance companies in India. The company offers many advantages to its policyholders. Within a short span of time, the company has grown its presence across different parts of the country. The company has earned the trust of many customers because of its unique health insurance products and excellent service.

Here's a primer on some major benefits of purchasing a Star Health Insurance policy.

  • Free Health Check-up Benefit: Star Health provides free medical checkup facilities to policyholders. Therefore, insured members can keep track of their health and take necessary precautions if required.
  • Additional Protection on 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 as 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: Star Health Insurance policyholders can avail of cashless medical facilities. You can choose and visit any of the 14000+ network hospitals to get high-quality treatment without paying out of your own pocket.
  • Claim Settlement Ratio: The company is highly significant in terms of its claim settlement ratio. Therefore, a 90% claim settlement ratio at Star Health Insurance makes the company more trustworthy.
  • Coverage Against Medical Expenses: The health insurance plans cover almost all kinds of medical bills. Pre-hospitalisation, post-hospitalisation, inpatient hospitalisation, ambulance fees, day care treatments, etc are all covered. Moreover, many plans also provide coverage for maternity-related benefits, sum insured restoration, organ donor expenses, domiciliary treatments, etc., expanding the scope of coverage of Star Health's plans.
  • Tax Benefits: Premium paid for the health plans of Star Health allows you to claim tax deductions under Section 80D of the Income Tax Act, 1961 for up to Rs. 55,000.

Owing to the many benefits Star Health Insurance offers, do not forget to renew your Star health insurance plan on time.

Diverse Array of Star Health Insurance Plans

Star Health Insurance Company presents an extensive selection of health insurance plans catering to the distinctive requirements of its varied clientele. Choose a medical plan that aligns with your needs:

  1. Star Comprehensive Insurance Plan - Opt for this scheme to eliminate room rent and treatment cost restrictions. It encompasses bariatric surgeries, air ambulance expenses, and second opinion consultations.
  2. Star Family Health Optima Insurance Plan - Tailored for you and your family, this plan features a maximum coverage of 25 lakh rupees. It includes coverage for newborns, domiciliary hospitalisation, donor expenses, and assisted reproductive treatments.
  3. Star Senior Citizens Red Carpet Health Insurance Policy - Ideal for individuals aged 60 and above, with a maximum coverage of 10 lakh rupees. No pre-medical screening is required, and pre-existing conditions are covered after two years.
  4. Star Health Gain Insurance Plan - Suited for self, spouse, and children, with an age limit of 65 years for policy purchase.
  5. Star Super Surplus Insurance Plan - Elevate coverage by paying a nominal extra premium. No pre-medical tests are mandatory. Two variants are available: Silver Plan and Gold Plan.
  6. Star MediClassic Insurance Plan - Specifically designed for HIV-positive individuals with a CD4 count above 350 at policy inception.
  7. Star Cancer Care Gold Insurance Plan - Crafted to provide coverage for cancer patients, offering 50% of the sum insured as lump-sum compensation, including metastasis unrelated to initial cancer.
  8. Star Diabetes Safe Insurance Plan - Open to individuals aged 18 to 65 with Type 1 and Type 2 diabetes.
  9. Star Cardiac Care Insurance Plan - Covers hospitalisation costs up to specified limits, offered in Silver and Gold variants.
  10. Star Special Care Insurance Plan - A plan devised for children diagnosed with autism spectrum disorders.

In Conclusion

Star Health Insurance stands as a reliable partner in your healthcare journey, providing a wide range of benefits to address your medical needs. With their comprehensive coverage, you can access quality treatments and services, ensuring your health and financial security. Embrace the peace of mind that comes with knowing you're protected by Star Health Insurance's beneficial offerings.

  • 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 has an in-house claim settlement department that eliminates the hassles of getting the claim settled through TPAs.
  • Claim Settlement Ratio

    The company has a high claim settlement ratio. In FY 2018-2019, it was 78.52%, and in FY 2019-2020, it was 78.62%. Note that the claim settlement ratio changes 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.
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Key Features of Star Health Critical Illness Insurance Policy 

Star Health critical insurance comes with certain features. Key features of the plan are as follows:

  • Portability option
  • Lifelong renewability
  • Cashless treatment
  • Discounts on premiums
  • In-house claim process

The benefits of Star Health critical illness policy are manifold. With critical illness plans, you can not only avail good quality treatment but also get spared from shouldering the heavy financial burdens yourself during difficult times.

Save Tax upto ₹75000*
Under Section 80D

*Tax benefits are subject to changes in 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

    Star Health Insurance User Reviews

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    • The resources on InsuranceDekho's website provide valuable insights into health insurance, helping me make inf...

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      By Paresh Pahwa
      On: Oct 30, 2023
    • It is good to know what you are entering into. InsuranceDekho has immense resources. Their online tools, infor...

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      By Namita Batla
      On: Oct 26, 2023
    • InsuranceDekho's Star Health Insurance Policy has been a true lifesaver for my family. Its comprehensive cover...

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      By Bindu Batra
      On: Oct 18, 2023
    • One of the standout features of InsuranceDeko's Star Health Insurance Policy is its commitment to promoting we...

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      By Lopa Bhatt
      On: Oct 16, 2023
    • I consider InsuranceDeko a trustworthy partner in my healthcare journey. They have consistently delivered on t...

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      By Vansh Nagpal
      On: Oct 11, 2023
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    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.

    2658 Star Cashless Network Hospitals in India

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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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