Star Health Insurance FAQs

Star Health Insurance

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Highlights

9,900+ Network Hospitals

37,34,365 Policies Issued

Lifelong Renewability

78.52% Claim Settlement Ratio in FY19

100% In-House Claim Settlement

Coronavirus (COVID-19) Cover

Autism

  • Is there any policy to cover autism under Star Health?

    Yes, the Star Health Special Care Policy covers autism.

  • What is the policy term for autism plan of Star Health?

    The policy term for autism plan is 1 year.

  • Is there any co-payment option available under the policy?

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

  • What is the eligibility to purchase the autism plan of Star Health?

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

  • Is pre-acceptance medical check-up necessary to buy autism plan of Star Health?

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

  • What are the sum insured options available under the policy?

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

Cancer

  • What is the eligibility criteria for cancer plan of Star Health?

    Any person who is aged between 5 months to 65 years and is diagnosed with Cancer (Stage 1 or Stage 2) can purchase this plan. However, children can be covered only with the parents.

  • Is pre-medical checkup necessary to buy the cancer plan of Star Health?

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

  • What are the sum insured options available for 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.

  • Are daycare treatments covered under the cancer policy?

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

  • What is the policy term for cancer policy of Star Health?

    The policy is available for 1 year.

Cardiac

  • What is the policy tenure for cardiac plan of Star Health?

    The policy tenure is 1 year for cardiac plan of Star Health.

  • What are the sum insured options available under the plan?

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

  • Does Star Cardiac Care plan offers tax benefits?

    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.

  • Is there Personal Accident Death Cover available under the plan?

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

Claim Settlement

  • What is the process for cashless claim settlement in Star Health?

    Follow the steps given below to make a cashless claim in Star Health Insurance Policies:

    • Visit the hospital desk.
    • Show your ID for verification.
    • The hospital will verify your identity and deliver pre-authorization form to the insurer.
    • Doctor will process the claim according to the policy terms and conditions after assessing your documents.
    • Star Health will also assign a field doctor so keep the hospitalisation process at ease for you.
    • The claim is settled with the hospital once all the formalities are completed.  

  • What is the process for reimbursement clam in Star Health?

    • 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.

  • What are the documents required to make a claim?

    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. 

  • I have lost my card. What should I do to make a claim?

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

     

Critical Illness

  • Does Star Health provide any specific health insurance plan for critical illnesses?

    Yes, Star Health provides Star Criticare Plus Insurance Policy that covers 11 critical illnesses.

  • Who all can buy critical illness plan from Star Health?

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

  • What are the benefits of purchasing critical illness plan from Star Health?

     

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

  • Does Star Health provide cover for which critical illnesses?

    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.

Diabetes

  • I am suffering from diabetes for around 5 years. Can I get a health policy from Star Health Insurance?

    Yes, you can opt for an individual health insurance plan in which the existing condition of diabetes is excluded. At the same time, you can buy a diabetes centric policy that can safeguard you from the complications arising due to the Diabetic Foot, Diabetic Retinopathy, Diabetic Nephropathy and so on. However, this plan may need a pre-medical screening even if the policyholder is below the age of 50.

  • What are the eligibility criteria to buy diabetes policy of Star Health?

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

  • What are the sum insured options available under the diabetes plan?

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

  • Are outpatient expenses covered under diabetes plan of Star Health?

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

  • Are tax benefits available under the diabetes plan?

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

Family Floater

  • Does Star Health provide any plan for a family or extended family?

    Yes, Star Health has quite a few options in health insurance plans for the family. 

  • Are outpatient dental and ophthalmic treatment covered under such plans?

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

  • Does Star Health offer restoration benefit under health insurance plans for a family?

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

  • Can such policies be renewed?

    Yes, Star Health offers lifetime renewal for such policies. 

  • What are the health insurance plans for family provided by Star Health?

    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. 

Feature

  • Do plans offered by Star Health Insurance provide the treatment of pre-existing ailments?

    Generally, health insurance policies exclude the treatment of any sort of pre-existing illness conditions. At Star Health Insurance, the treatment of any such pre-existing disease is covered only after 48 months of waiting period. If the policyholder keeps on renewing our health plan and crosses the waiting period, he or she can avail the treatments of pre-existing ailments.

  • 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. 

General Information

  • 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.

  • Can I purchase a health plan for my 3-year-old kid?

    There exists no individual plan for kids. But, they can be covered with either of their parents.

  • The eligibility to get a health insurance plan depends on what factors?

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

  • What is Star Health Insurance’s toll-free customer care number?

    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.

  • 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.

  • What is a health card?

    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.

  • What is the Claim Settlement Ratio (CSR) and Incurred Claim Ratio (ICR) of Star Health Insurance?

    Star Health Insurance has a Claim Settlement Ratio (CSR) of 90% and Incurred Claims Ratio (ICR) of 63%.

  • How many network hospitals are covered under Star Health?

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

Help to Buy

  • How buying a health insurance plan online is better?

    It’s a safer and faster mode than the traditional alternatives to purchasing a health insurance policy. The policyholders can make easy and swift payments online via different payment methods. Also, some insurers offer a few rewards in terms of cash-backs and discounts to customers for buying health plans online.

  • 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. 

Individual

  • Does Star Health offer health insurance plans for individuals?

    Yes, Star Health has health insurance plans especially designed for individuals. 

  • What all are the plans that Star Health provides for individuals?

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

  • What are the sum insured options for health insurance plans for individuals provided by Star Health?

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

  • Do these health insurance plans provide restoration benefit?

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

  • How much premium is to be paid for individual health insurance plans under Star Health?

    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.   

Kids

  • Can I purchase a health insurance plan for my 3-year-old child from Star Health?

    Children cannot be covered individually in Star Health insurance policies but can be covered if either of the parents is covered under the same plan. 

  • I and my wife are living in a different state than my children in India. Can I purchase a health insurance policy from Star Health that covers all of us under it?

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

  • Can I, being a foreign citizen purchase a health insurance plan for my daughter who is studying in India?

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

  • My child is suffering from Autism Spectrum Disorder. Does Star Health provide any health insurance plan specially designed for such kids?

    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. 

Maternity

  • Does Star Health provide maternity benefits under health insurance plans?

    Yes, Star Health provides coverage for maternity expenses under the health insurance plans.  

  • Is there any waiting period under such plans?

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

  • Can I buy maternity health insurance online?

    Yes, you can buy such health insurance plans online. 

Parents

  • Can I cover my parents under health insurance plans provided by Star Health?

    Yes, Star Health provides health insurance plans that cover your parents. For instance, Senior Citizens Red Carpet Health Insurance Policy. 

  • My parents are aged between 61-65 years. Can they purchase a health insurance plan by Star Health?

    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. 

  • Is the parent-centric health insurance plan by Star Health issued on an individual or family basis?

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

  • What are the benefits provided by Star Health insurance plans for parents?

    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

Portability

  • Is portability available in Star Health Insurance Policies?

    Yes, Star Health Insurance Policies have a portability feature. 

  • What are the documents required for portability in Star Health Insurance Policy?

    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 

  • Where can I get details about the portability feature in Star Health?

    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 1800 1205 698.  

  • When can I port my health insurance policy in Star Health?

    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.  

     

Premium

  • How can I calculate the premium for health insurance policies of Star Health?

    You can visit the official website of Star Health (www.starhealth.in). Select the plan of your choice and fill in your personal details to get an idea of the premium amount.  You can also visit the health insurance broker’s website like www.insurancedekho.com to get the best price.

  • How much premium do I have to pay if I buy an individual health insurance policy from Star Health?

    Annual premiums for individual health insurance plans for Star Health start at Rs. 7,015 (without taxes) for a person aged 25 years. 

  • Can I get discounts on the premium paid for Star Health Insurance policies?

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

  • Can I pay premiums online in Star Health?

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

  • Will Star Health inform me after I pay the premium for my health insurance plan?

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

  • What is the premium range in the critical illness plan by Star Health?

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

Senior Citizen

  • Does Star Health have any health insurance plan especially designed for senior citizens?

    Yes, Star Health offers a health insurance plan especially designed for the senior citizens by the name of Senior Citizens Red Carpet Health Insurance Policy. 

  • What are the sum insured options for health insurance policies provided by Star Health for senior citizens?

    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. 

  • What is the policy term for health insurance plans for senior citizens provided by Star Health?

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

  • Does the health insurance plans for senior citizens provided by Star Health cover pre-existing diseases?

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

  • Do these plans provide OPD benefit?

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

Woman

  • Who all can buy women-centric health insurance plans provided by Star Health?

    Anyone who is aged between 3 months and 65 years can be covered under Star Comprehensive Insurance policy. It offers lifelong renewals and there is no exit age under it. 

  • Is it necessary to undergo pre-acceptance medical screening in women-centric health insurance plans by Star Health?

    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. 

  • Is there any co-payment in women-centric health insurance plans provided by Star Health?

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

  • What benefits does Star Health provide under its women-centric health insurance plans?

    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. 

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

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.

Star Health Insurance User Reviews

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