Star Health Insurance FAQs

The policy term for autism plan is 1 year.

Co-payment of 20% for each and every claim made for new as well as renewal policies is available under the plan.

Any child who is aged between 3 years and 25 years and has autism is eligible for this policy.

A pre-acceptance medical check-up is not necessary for the purchase of autism plan; however, past medical records need to be submitted.

The policy is available for a sum insured of Rs. 3 Lakh only.

No, pre-medical screening is not necessary to buy the cancer plan.

The sum insured options available under the plan are of Rs. 3 Lakh and Rs. 5 Lakh. Once opted, you cannot change the sum insured option.

Yes, all daycare treatments are covered under the cancer policy.

The policy is available for 1 year.

The sum insured options under the cardiac plan are Rs. 3,00,000 and Rs. 4,00,000.

Yes, the insured is eligible for tax benefits under Section 80D of the Income Tax Act in respect of the premium paid by any mode other than cash.

Yes, the cardiac plan of Star Health comes with Personal Accident Death Cover under both, Gold and Silver plans.

• You are assigned a field doctor who makes the hospitalisation process easy for you.
• Pay all the hospital bills at the time of discharge.
• Collect all the documents of the treatment and expenses incurred.
• Submit the duly filled claim form and the original documents at the Star Office.
• The claim will be settled according to the terms and conditions of the policy.

Following documents are essential to make a claim:

• Completed claim form.
• Original receipts, bills and discharge certificate or card from the hospital.
• Original bills from the Pharmacy.
• Certificate of the treating doctor.
• Hospital registration certificate in case of less that 15 beds.
• FIR/self declaration/MLC in case of accident cases.
• Nature of operation and bill and receipt of the Surgeon.

Kindly inform Star Health by contacting them on the toll free number-1800 425 2255 or drop an e-mail to them.

CSR or Claim Settlement Ratio is an important factor to determine the credibility of a health insurance company. The Claim Settlement Ratio of Star Health Insurance is calculated by dividing the total number of claims received by the company during a financial year by the total number of claims settled by it during that period.

To process cashless claims under Star Health Insurance plans, you must follow the steps given below:

• Visit a network hospital of your choice and intimate Star Health Insurance about the hospitalisation
• Show your health insurance ID card at the hospital and submit the required documents
• Your documents will be verified by the insurance company
• If the request is approved, then you can avail the treatment and the insurance company will pay for the same directly at the hospital.

To process reimbursement claims under Star Health Insurance plans, you must follow the steps given below:

• Get hospitalised at a non-network hospital of your choice and inform the insurance company within the stipulated time
• Avail the required treatment and pay for the same at the hospital
• Fill the Star Health claim form
• After the formalities have been completed, then the insurance company will pay you for the treatment availed.

In case of emergency hospitalisation, Star Health Insurance should be informed within 24 hours of the hospitalisation whereas, in case of planned hospitalisation, the insurer should be informed within 48 hours of admission.

As per the IBAI’s General Insurance Claim Insights Handbook For Policyholders - 5th Edition, the Claim Settlement Ratio of Star Health insurance for the financial year 2019-2020 is 78.62%.

Anyone who is residing in India and is aged between 18 years and 65 years can purchase Star Criticare Plus Insurance Policy.

Star Health provides cover for the following critical illnesses under its Star Criticare Plus Insurance Policy: Brain Tumor, Cancer, or Chronic Kidney Disease, First time Major Organ Transplant and many others.

Star Health provides you the following benefits for purchasing Star Criticare Plus Insurance Policy from them: cover for in-patient hospitalisation expenses, emergency ambulance expenses, non-allopathic treatment expenses, pre-hospitalisation and post-hospitalisation expenses, pre-existing diseases after the waiting period, free look period, etc.

To buy critical illness health insurance policy of Star Health Insurance, you can visit InsuranceDekho and fill out a quote. You can also contact the customer care executives at InsuranceDekho on the toll-free number 7551196989 and share your requirements.

Anyone who is residing in India and is aged above 18 years can purchase critical illness policy offered by Star Health Insurance.

Yes. You can avail tax benefits on the premium paid for critical illness plans offered by Star Health Insurance under Section 80D of the Income Tax Act, 1961.

To be able to purchase Star Health Insurance Insurance plans, you must be a resident of India and aged at least 18 years.

You require the following documents at the time of claim under the critical illness plan by Star Health Insurance:

• Duly filled claim request form with doctor’s signature
• Medical bills
• Prescriptions
• Test reports (x-ray, CT scan, etc.)
• Final receipts of advanced tests.

Anyone who is aged between 18 years and 65 years and is diagnosed with diabetes mellitus can buy this insurance policy.

This plan is available for the sum insured ranges Rs. 3 Lakh, Rs. 4 Lakh, Rs. 5 Lakh, and Rs. 10 Lakh.

Yes, the policy covers outpatient expenses for medical consultations, diagnostic tests, medicines, and drugs.

Yes, the plan provides tax benefits under section 80D of the Income Tax Act 1961.

You can buy Diabetes Safe insurance plan for individuals who are both Type 1 and Type 2 diabetic. This plan covers diabetes and similar ailments and bears the hospitalisation cost for any problem emerging due to diabetes.

Yes, some plans for the family by Star Health do provide coverage for dental and ophthalmic treatment.

Yes, Star Health does provide 100% restoration benefit to its policyholders under some health insurance plans.

Yes, Star Health offers lifetime renewal for such policies.

Some health insurance plans offered by Star Health for a family are- Star Family Delite Insurance Policy, Star Care Micro Insurance Policy, Family Health Optima Insurance Plan, Star Comprehensive Insurance Policy, and Star Health Gain Insurance Policy.

Every family that wants to get themselves insured at an affordable premium rate should buy Star Health family health insurance plan by the name Comprehensive Insurance Policy. The policy provides cover for self, spouse as well as dependent children up to the age of 25 years.

If you want to make any sum insured change in your Star Health family health insurance policy, the right time would be policy renewal and not policy tenure as the health insurance company does not allow any changes during the policy period.

Buying a Star Health family health insurance policy will grant you with multiple benefits like comprehensive coverage, sum insured options up to Rs. 25 Lakh, cashless facility at more than 9,900 network hospitals, no sub-limits or capping, lifelong renewal of the policy, automatic restoration of the sum insured, free health checkup for every 3 claim-free years, 15 days free look period, no medical screening required below 50 years, etc.

The coverage offered under Star Health family health insurance includes pre & post hospitalization, hospital cash benefit, 405 daycare procedures, dental/ophthalmic cover on OPD basis, air ambulance cover, pre-existing diseases, maternity & newborn baby cover, expenses incurred on the bariatric surgical procedure and many more.

Yes! As per Section 80D of the Income Tax Act, 1961, a Star Health family health insurance policyholder is eligible for tax benefits for the policy premium paid.

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.

A complete body health checkup, especially for people who are 50 years and above in age, is required prior to issuance of any medical policy at Star Health Insurance.

The two basic eligibility criteria for getting the insurance policy are entry age and medical check-up.

The toll-free customer care number of Star Health Insurance is 1800-425-2255 / 1800-102-4477. Other than the toll-free number, our experts can be contacted at (044) - 2853 2060 / 2853 2030.

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.

A health card is a card that policyholders receive on buying a health plan. It is like an identity card which allows you to seek cashless hospitalisation at the time of a medical emergency at a network hospital. A health card has the contact details and the contact numbers of the TPA. The insured members need to show this card at the time of admission to avail the benefits of the cashless health plan.

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

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

Star Health Insurance has a Claim Settlement Ratio (CSR) of 90% and Incurred Claims Ratio (ICR) of 63% for the Financial Year 2018-19.

You can check the status of your Star Health insurance policy by visiting the official website of Star Health Insurance. Alternatively, you can call on Star Health Toll-Free number 1800-425-2255 / 1800-102-4477 or visit your nearest branch of Star Health Insurance.

It provides various types of policies like Corona Rakshak Policy, Corona Kavach Policy, Arogya Sanjeevani Policy, Family Delite, Star Care Micro Insurance, Criticare Plus, Family Health Optima, Cancer Care Gold, Medi Classic Insurance Policy, Star Health Gain, Special Care, Cardiac Care, Diabetes Safe and Senior Citizens Red Carpet.

You can contact Star Health Insurance at their toll-free number 1800 425 2255 / 1800-102-4477 for a 24x7 assistance.

To download the payment receipt, visit Star Health Insurance's official website, and enter the required details to simply download it.

The definition of the best plan varies as per the policyholder's requirements. However, customers foremost prefer Star Comprehensive Plan as it offers wide coverage at nominal premium rates. Additionally, under this policy, financial assistance is extended to the policy holder at the time of a medical emergency. Besides, the plan also offers coverage to the whole family under an individual sum insured.

The waiting period for pre-existing diseases is 4 years or 48 months under the Star Health insurance plan.

With the assistance of InsuranceDekho, you can compare different isurance polices and choose a plan that offers best coverage and is within your budget.

To buy a Star Health insurance plan you are required to fill the policy form alongside the following original documents that needs to be submitted- Identity Proof, Age Proof, Income proof, Address proof and Medical reports.

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.

You can buy Diabetes Safe insurance plan for individuals who are both Type 1 and Type 2 diabetic. This plan covers diabetes and similar ailments and bears the hospitalisation cost for any problem emerging due to diabetes.

With the assistance of InsuranceDekho, you can compare different isurance polices and choose a plan that offers best coverage and is within your budget.

To buy a Star Health insurance plan you are required to fill the policy form alongside the following original documents that needs to be submitted- Identity Proof, Age Proof, Income proof, Address proof and Medical reports.

Some of the health insurance plans offered by Star Health for individuals are-Star Health Gain Insurance Policy and Medi-Classic insurance Policy.

Star Health provides individual health insurance for sum insured options ranging from Rs. 1 Lakh to Rs. 15 Lakh.

Yes, automatic restoration benefit is provided by Star Health under almost all such policies by up to 200%.

The premium for individual health insurance plans starts from Rs. 2,510 for the lowest sum insured option of Rs. 1 Lakh for an individual aged between 5 months to 35 years. The premium varies on the basis of various factors such as zone, age, location, policy renewal, etc. and can be as high as Rs. 1,97,677.

Star Health’s Medi-Classic Insurance policy is the perfect individual health insurance policy option for people looking forward to insuring themselves against multiple hospitalization expenses due to an injury, accident, disease or illness. If your family has already been covered under an insurance policy and you want a plan to cover just you, Medi-Classic Insurance Policy would be a must buy.

No, unfortunately you cannot make any changes during the policy tenure of your Star Health individual health insurance because the insurer does not permit the same. The ideal time to introduce sum insured changes would be policy renewal time.

Star Health individual health insurance policy Medi-Classic Insurance Policy comes with numerous benefits. The key advantages are sum insured range up to Rs. 15 Lakh, lifelong renewal, cashless facility at 9,900+ network hospitals, 5% NCB for every claim-free year, automatic restoration of sum insured, 5% discount on premium if paid in advance, policy available for HIV persons as well, reasonable premium rate, tax benefits and many more.

Star Health individual health insurance plan Medi-Classic Insurance Policy provides cover for an inpatient hospitalization, 30 days pre & 60 days post hospitalization, 101-day care procedures, non-allopathic treatment, pre-existing diseases after 48 months waiting period, emergency ambulance expenses, hospital cash and patient care cover (optional) and other expenses.

Yes! Under Star Health individual health insurance policy, a policyholder can avail tax benefits as per Section 80D of the Income Tax Act, 1961 for the policy premium paid.

Yes, Star Health provides you all a cover under a single health insurance policy as your plan is in force across the India.

Yes, Star Health offers a unique health insurance policy by the name of Star Special Care that is specially designed for children diagnosed with Autism Spectrum Disorder.

Yes, you can purchase a health insurance plan for your daughter who is studying in India.

Star Health kids health insurance policy Micro Insurance Policy is specifically designed for kids and their parents. So, if you are a parent who wants to cover their kids insured under a single sum insured, you should buy Star Health kids health insurance.

No, if you want to change the sum insured during the policy tenure of your Star Health kids health insurance policy, you will not be allowed to do so by the insurer. The ideal time to change sum insured would be the policy renewal time.

One of the key advantages of the Star Health kids health insurance policy is that it covers the kids if they are at least 2 years of age. In other words, parents can get their kids insured in the same policy if they are more than 2 years old. Other than the same, the prime benefits of the plan include no need for pre-acceptance medical screening, portability feature, free look period of 15 days, facility of maintaining health records in electronic form, and more.

Star Health kids health insurance policy, Micro Insurance Policy provides cover for 30 days pre & 60 days post hospitalization, hospital cash benefit in case of a Government hospital, room & boarding costs, nursing expenses, ICU charges, pre-existing diseases after 48 months waiting period, emergency ambulance charges, 405 day care treatments, etc.

Yes! Star Health kids health insurance policy offers tax benefits under Section 80D of the Income Tax Act for the policy premium paid.

Yes, to avail maternity and new born benefits, you have to complete waiting period that varies from plan to plan.

Yes, you can buy such health insurance plans online.

Married couples, as well as women who look forward to embracing parenthood in the coming years, should buy the Star Health maternity health insurance policy Comprehensive Insurance to get themselves as well as their baby covered against medical expenses.

If you want to change the sum insured amount of your Star Health maternity health insurance policy, it is advisable to wait until the policy renewal time. Take note that health insurance companies, including Star Health, do not allow any changes of a similar kind during the policy period.

The biggest benefit of the Comprehensive Insurance Policy, Star Health Insurance’s maternity health insurance plan is that it provides coverage for maternity expenses (normal as well as caesarean delivery along with newborn baby expenses. Other major benefits include sum insured options up to Rs. 25 Lakh, cashless facility at more than 9,900 network hospitals, lifelong renewal of the policy, no sub-limits or capping, automatic restoration of the sum insured, 15 days free look period, free health checkup for every 3 claim-free years, no medical screening required below 50 years, and many others.

Star Health maternity health insurance policy Comprehensive Insurance provides cover for maternity & newborn baby cover, pre & post hospitalization, 405 daycare procedures, dental/ophthalmic cover on OPD basis, hospital cash benefit, air ambulance cover, pre-existing diseases, expenses incurred on the bariatric surgical procedure, air ambulance cover up to 10% of the sum insured, domiciliary hospitalization and others.

Yes! Star Health maternity health insurance policy provides tax benefits under Section 80D of the Income Tax Act, 1961 for the policy premium paid.

Yes, your parents can be covered under the Senior Citizens Red Carpet Health Insurance Policy if they are aged between 60 years to 75 years.

The parents-centric health insurance plan by Star Health is issued on both- individual and family floater basis.

Some of the benefits are:

• In-patient hospitalisation cover
• Free claim assistance
• Cover for pre-existing diseases
• Higher sum insured covered of up to Rs. 25 Lakh.
• Dedicated customer support team to solve your queries

Star Health parents health insurance policy is a must purchase for people up to 65 years of age to get optimum coverage for medical expenses incurred in case of an unexpected medical emergency situation.

Unfortunately, no! You cannot change the sum insured during the policy tenure of your Star Health parents health insurance, however, you can do so at the time of renewal as the health insurance company allows changes during that period.

Wide coverage, no need for pre acceptance medical screening, cashless facility at more than 9,900 network hospitals, lifetime policy renewal, hassle-free claim settlement process, free look period of 15 days, tax benefits are some of the major advantages of the Star Health parents health insurance plan.

Star Health parents health insurance policy offers cover for 30 days pre & 60 days post hospitalization, drugs and medicine expenses, 405 day care treatments, hospital cash benefit in case of a Government hospital, emergency ambulance charges, room & boarding costs, nursing expenses, ICU charges, pre-existing diseases after 48 months waiting period, and many more expenses.

Yes! Star Health parents health insurance policy offers tax deductions under Section 80D of the Income Tax Act, 1961 for the policy premium paid by the policyholder.

The coverage varies with the plan. However, almost all Star Health insurance plans provide for, in-patient hospitalisation, pre-hospitalisation, post-hospitalisation expenses alongside ambulance charges.

Here are the documents needed for portability in Star Health:

• Plan’s proposal form
• Portability form
• Copy of expiring health insurance policy
• Copy of renewal notice

Star Health Insurance Policies can be ported towards renewal. You must inform the insurer at east 45 days in advance from the date of renewal.

To find details about portability in Star Health Insurance Policies, you can drop an e-mail on portability@starhealth.in or get in touch with the customer acre executives at InsuranceDekho on 7551196989.

You should inform Star Health insurance at least 45 days prior, however no sooner than 60 days from the premium renewal date of the current policy if you wish to port your policy to some other insurance company.

Yes, Star Health offers a discount on the premium on some of the health insurance plans available with it.

Yes, you can pay health insurance premiums online in Star Health.

Yes, Star Health will acknowledge the payment made by you as health insurance premium.

The premiums in Star Criticare Plus Insurance Policy starts at Rs. 3,750 without tax and go up till Rs. 35,350 without tax.

To use the Star Health insurance premium calculator

• Visit insurancedekho.com and select the Health tab.
• Fill in your personal details.
• Most optimum health insurance plan along with budget will appear on your screen.

Details required for using the premium calculator are your name, mobile number, time frame to buy a policy, number of members, age of members, and your city.

Factors that can affect Star Health insurance premium amount include policyholder's age, number of individuals covered, covered member's age, and sum assured.

You can compare the premium for Star Health insurance plans using our premium calculator. The premium calculator lets you compare different plans on the basis of coverage, restoration benefits, co-payment clause, PED waiting period etc.

Star Health Insurance premium calculator assists you in simplifying the complex calculations, gives customized inputs, helps in comparison of various quotes, and assists in error free and quick calculations for premium.

You can visit www.insurancedekho.com and enter details like your Name and Mobile Number to get the premium quotes of available plans. You can further customise the premium quotes with the help of filters like coverage, the number of members covered, city of residence, etc.

To calculate premiums of health insurance plans for parents offered by Star Health Insurance, you can use the health insurance premium calculator available at InsuranceDekho. It is an online tool that is free of cost as well as is easy to use.

Following are the benefits of using health insurance premium calculator for Star Health Insurance plans:

• It informs you about the exact amount of health insurance premium you are required to pay for an insurance policy.
• It helps you ascertain that you have chosen wider coverage at an affordable premium
• Helps you make changes to your input details and calculated the best premium rates
• Allows you to alter preferences and see the premium amount change so that you can make the best decision.

The health insurance premium for Star Health Insurance plans are determined on the basis of several factors such as age, sum insured, type of policy, policy term, number of members covered, pre-existing diseases, and so on.

Yes. You are required to pay a GST at the rate of 18% on the premiums paid for Star Health Insurance plans.

Here are some tips that will help you to save the premium for Star Health Insurance plans:

• Opt for family floater plans
• Choose riders or add-on benefits wisely
• Compare various health insurance plans before buying one
• Opt for deductibles and co-payment options.

The sum insured options for health insurance plans provided by Star Health for senior citizens are-Rs. 1 Lakh, Rs. 2 Lakh, Rs. 3 Lakh, Rs. 4 Lakh, Rs. 5 Lakh, Rs. 7.5 Lakh, Rs. 10 Lakh, Rs. 15 Lakh, Rs. 20 Lakh, and Rs. 25 Lakh.

The health insurance plans for senior citizens are available for terms of 1 year, 2 years and 3 years.

Yes, the health insurance plans for senior citizens provided by Star Health cover pre-existing diseases from the second year onwards.

Yes, senior citizen plans by Star Health provides coverage for medical consultations as an outpatient in a network hospital.

Star Health Senior Citizen Red Carpet Health Insurance Plan is the optimum plan for people aged over 65 years. This policy is available with a tenure of 1,2 or 3 years and can be renewed further.

Senior citizens aged between 60 years up to 75 years should buy Star Health senior citizen health insurance plan Red Carpet. A complete health insurance package for senior citizens, Red Carpet provides financial security against medical expenses incurred due to illness, sickness, ailment, disease, accident or injury.

No, you cannot make any change to your Star Health senior citizen health insurance policy during the policy period or policy tenure because the insurer will not allow you to do so until it is policy renewal time. So, it would be best to make sum insured changes during policy renewal time.

Star Health senior citizen health insurance plan Red Carpet offers various benefits like lifelong renewal, cashless treatment facility at 9,900+ network hospitals, no need for pre-acceptance screening, 15 days free look period, cover for pre-existing diseases from the second policy year, low premium cost and many others.

Star Health senior citizen health insurance policy Red Carpet provides cover for inpatient hospitalization expenses, pre & post hospitalization expenses, daycare procedures, emergency ambulance expenses, health check-up expenses covered up to a certain limit, OPD consultation charges covered up to a certain limit, pre-existing diseases covered from second policy year, and others.

Yes! Star Health senior citizen health insurance policy provides tax deductions under Section 80D of the Income Tax Act, 1961 for the premium paid towards the policy.

A health insurance rider is an additional benefit that you can purchase with your health insurance policy voluntarily by paying an extra health insurance premium. Whereas a top-up policy offers you an increase in sum insured amount that you can use if the hospital bill exceeds the sum insured of your base policy.

You can buy top-up policy offered by Star Health Insurance at an affordable premium. It offers you extra coverage and saves you in the times of emergency. Through its wide coverage benefits, top-up plans help you combat rising medical inflation, offer coverage for pre-existing diseases, and tax benefits as well.

You should opt for the top-up policy offered by Star Health Insurance as it offers you great financial assistance at the time of medical emergency. Available in different variants, people aged between 18 years and 65 years can be covered under the top-up policy offered by Star Health Insurance.

Anyone who is not satisfied with the coverage amount under their base health insurance policy can purchase a top-up policy offered by Star Health Insurance. Note that the policy buyer must be aged at least 18 years and must be a resident of India.

Everyone proposed for health insurance in Star Health over 50 years of age are to undergo Pre-acceptance medical screening. It should be undertaken at the company nominated centers. Star Health will reimburse the cost of such screening if your policy proposal gets accepted.

Yes. In some of the women-centric health insurance plans provided by Star Health, there is a co-pay clause.

Star Health provides the following benefits under its women-centric health insurance plan:

• Cover for maternity for normal and cesarean delivery are covered.
• Expenses related to bariatric surgery are covered.
• The newborn baby cover is provided.
• Cover for over 400-day care procedures is provided.
• The hospital cash benefit is included.
• 100% increase in sum insured.
• Pre and post hospitalisation expenses are covered.

Every woman who wishes to secure her health, as well as her savings in times of an unexpected medical emergency situation, should buy a Star Health woman health insurance plan and welcome financial stability. Women below 65 years of age can buy the plan to cover themselves as well as their family members.

If you want to change the sum insured amount of your Star Health woman health insurance policy, it is advisable to do so at the time of policy renewal. Remember, health insurance companies do not allow making any changes to the sum insured during the policy period.

When you buy Star Health woman health insurance plan, you gain extensive coverage, maternity & newborn baby expenses, sum insured options up to Rs. 25 Lakh, cashless facility at network hospitals, no sub limits or capping, automatic restoration of sum insured, free health checkup for every 3 claim free years, 15 days free look period, no medical screening required below 50 years, lifelong renewal of policy, etc.

Star Health woman health insurance provides cover for maternity benefits along with newborn baby cover, vaccination expenses for newborn baby, expenses for bariatric surgery, pre & post hospitalization, hospital cash benefit, 400 daycare procedures, air ambulance cover, pre-existing diseases, outpatient medical charges, and more charges.

Yes! According to the Section 80D of the Income Tax Act, 1961, Star Health woman health insurance provides tax benefits to the policyholder for the policy premium paid.