Star Health Insurance Renewal

Certain factors that affect your health insurance company renewal premium amount involve the following:

• Age: The age of the policyholder is a crucial factor that affects the renewal people might face higher renewal premiums.
• Claims History: The claims history refers to the track record of previous claims made by the policyholder. If there have been frequent claims, especially for significant medical expenses, it can affect the renewal premium.
• Alternations: Alterations in your Star health insurance policy can influence the renewal premium. Enhancing the coverage or adding additional features can lead to an increase in the premium.
• Inflation: Star Health & Allied Insurance Co. Ltd. may adjust renewal premiums to account for the inflation in the healthcare industry.

Below are the details on how you can check the date of renewal and in what ways you will be notified of the same.

How to Check the Renewal Date?

Below-mentioned ways will help you with checking the renewal date of your medical insurance policy:

• Check Policy: To find your Star Health Insurance renewal date, simply refer to your policy documents. The expiry date mentioned on your policy will be your renewal date.
• Check Website: You can visit the InsuranceDekho or Star Health Insurance website and access your policy information which will include your Star Health insurance renewal details.
• Connect with Customer Care: For quick support, policyholders can contact the customer support team at InsuranceDekho or Star Health Insurance to inquire about your renewal date. Make sure you share your policy number and other relevant details to inquire about it.

NOTE: Even if you forget to renew your policy on the last day of its expiration, you still have the option to renew it during the Grace Period.

*Grace period refers to the extra time provided by an insurance company to policyholders after the payment deadline has passed so they can renew their coverage without incurring fines or having their policy lapse.

Reminder Options

The following ways will help you keep updated on your policy renewal date:

• InsuranceDekho Reminder: InsuranceDekho will remind you to renew your Star health policy through WhatsApp messages or email.
• Email or SMS by the Insurer: You will receive timely renewal reminders for your health insurance policy via email or SMS from Star Health & Allied Insurance Co. Ltd.

The top benefits of policy renewal are listed below:

• Wellness Benefits Discounts: With policy renewal, policyholders can enjoy wellness benefits discounts as insurers provide discounts for maintaining a healthy lifestyle.
• Long-Term Tenure Discounts: When renewing your policy for an extended period, you may get coverage at a lower cost as the insurer offers long-term tenure discounts.
• Reduced Waiting Period: Renewing your Star health insurance policy brings the added advantage of reduced waiting periods. This allows you quicker access to comprehensive health insurance coverage.

*The waiting period is the predetermined time during which certain health insurance benefits, coverage, or claims are not applicable or payable.

• Free Health Checkup: As an added incentive for policyholders, many insurance providers offer a complimentary health checkup at the time of policy renewal.
• Continuity of Coverage: Renewing your policy ensures that you maintain continuous coverage without any gaps. Gaps in coverage can leave you unprotected in case of unanticipated events.
• No Claim Bonus: Policy renewal allows you to preserve your no-claim bonus, which is a discount offered for not making any claims during the policy period.

Here are the consequences and the potential risks that you can face in case of non-renewal of your health insurance policy:

• Loss of Health Coverage: One of the immediate consequences of not renewing your Star Health Insurance policy is the loss of health coverage. This will put your financial stability at risk.
• Waiting Period: When you skip policy renewal, you lose the benefits of the waiting period you have already served. This will eventually lead to delays in getting coverage for certain health issues.
• Reapplication Process: In case you miss the Star Medical Insurance policy renewal, you will have to go through the reapplication process which will be time-consuming. It might also result in changes to your premium rates based on your current health status.
• Risk of Pre-existing Condition Exclusion: Not renewing your Star Health Insurance policy increases the risk of facing exclusions for pre-existing conditions in the future.
• Financial Risks: The most significant consequence of not renewing your health insurance policy is the financial risk. Medical treatments can be expensive, and without insurance, you may have to bear the entire cost.

Following are the factors that you should keep in mind at the time of Star Health Insurance policy renewal:

• Waiting Period: When renewing your health insurance policy, it's necessary to review waiting periods for specific illnesses or treatments, including initial waiting periods and those related to pre-existing conditions.
• Policy Details Verification: Take time to review the sum insured, inclusions, and exclusions in your Star health insurance policy. Confirm that the coverage aligns with your current healthcare requirements, and be aware of any changes in policy terms and conditions.
• No Claim Bonus (NCB): Review the impact of the No Claim Bonus on your health insurance policy and use it to enhance your coverage without any additional costs.

Documents Required For Renewal

Commonly required documents for Star medical insurance renewal include:

• A filled and signed Policy Renewal Form
• Previous policy details
• ID proof, such as Aadhaar Card, Passport, or Voter ID
• Address proof, like a Utility Bill or Rental Agreement
• In some cases, income proof may be required, especially for policies with a high sum insured
• Medical Check-up Reports
• Claim History

When renewing your policy, you can make the payment using any of the following modes:

• Credit Card
• Debit Card
• EMI (Equated Monthly Installments)
• Digital Payment Applications, if applicable

You can renew your Star health insurance policy in any of the two ways i.e. Online and Offline. Here’s how:

Online Procedure

When it comes to renewing your Star medical policy online, you can either do it via InsuranceDekho or through the insurer's website.

Online Procedure of Star Health Policy Renewal with InsuranceDekho

Step 1: Visit the InsuranceDekho website

Step 2: Hover over the "Support" tab located at the top of the page

Step 3: Click on the "Renew Policy" option from the dropdown menu

Step 4: Enter your mobile number and click "Send OTP"

Step 5: After logging in with the OTP, access your Star health policy details

Step 6: Click on the "Renew" button to proceed with the renewal process

Step 7: Complete the payment to finalise the policy renewal

Step 8: Once the payment is done, your Star Health Insurance policy will be renewed successfully

Online Procedure of Star Health Policy Renewal via the Official Site

Step 1: Go to the dedicated page of policy renewal on the Star health insurance website

Step 2: Enter the Policy Number and DOB in the required field and click on "Submit" to proceed further

Step 3: On the next page, check the policy details and hit the “Renew” button.

Step 4: After making the payment, you will receive the confirmation of your policy renewal.

Why Renew with InsuranceDekho?

• Support Throughout: We assist with renewals and changes in your policy
• Unbiased Advice: Our advice on insurance plans is unbiased and informed by industry analysis
• Renewal Notifications: Get timely notifications about your policy expiry and renewal date
• Port Feature: We help you port your insurer if you're dissatisfied with your current insurance provider

Offline Procedure

Opting for the offline Star Health Insurance policy renewal process provides you with two options:

• InsuranceDekho Relationship Manager: Request a visit from our skilled ID relationship manager for personalised home assistance.
• Visit the Insurer's Branch Office: Alternatively, you can choose to visit the insurer's branch office located in your city.[1]

Here are the things that you must know while renewing your expired Star Health Insurance policy:

• Eligibility: A standard Grace Period of 30 days is provided by Star Health Insurance. However, in the case of premium payments in installments, the grace period is restricted to 7 days. [2]
• Condition: If your policy expires on any given date and you intend to renew it within the grace period, be mindful that you won't have coverage during the gap between the expiry date and the renewal date within the grace period. In short, the policy does not cover any claims for medical expenses incurred during the grace period.
  *Example: For instance, if a policy expires on 2 January, the grace period extends until 1 February. If the policy is renewed on 15 January, the individual will not be covered from 2 January to 14 January, as the insurance company holds no liability during that interval.

• Premium: The premium for renewing an expired policy remains the same and does not undergo any changes until there is no change in address, add-ons, or age slab.
• Renewal Process: Follow the same renewal procedure described above for the continuation of your Star Health Insurance coverage.

If you are not satisfied with your current insurance company or policy, here are steps you can take:

• Discuss Issues During Renewal Contact: When the renewal team contacts you, make sure you discuss the issues that you are facing. This will allow you to seek resolutions and check possible modifications to your policy
• Porting Your Coverage with InsuranceDekho: InsuranceDekho also offers the option of porting your existing health insurance coverage to another insurer of your choice. We can also suggest the best options based on your specific requirements. [3]
• Connect with an InsuranceDekho Advisor: To connect with an InsuranceDekho advisor you can call +91-7551196989 to get your queries solved faster

Some of the common myths related to health insurance renewal are as follows:

Myth 1: People often believe that renewing their health insurance policy before its expiry date will result in wasting money for the remaining days.

Reality: The policy will be renewed on the actual expiry date, ensuring that no money is wasted. Early renewal does not affect the coverage period.

Myth 2: There is a common misconception that the premium for health insurance will always increase with each renewal.

Reality: Premiums do not automatically increase with every renewal. Changes in age slabs or specific circumstances, such as adding riders or change in address like shifting from Tier 2 city to Tier 1 city, may lead to changes in the premium.

Renewing your Star Health Insurance policy is an easy process, but if you face any challenges, the Star customer support team is available to help you.

Contact Star Health Insurance

• Dial 1800 425 2255 for immediate assistance
• Connect with the support team through WhatsApp on +91 95976 52225
• Send an email to support@starhealth.in using your registered email ID [4]

Contact InsuranceDekho

You can also reach out to InsuranceDekho's customer support team for any assistance related to your policy renewal:

• Drop an email to support@insurancedekho.com
• Reach out to InsuranceDekho's helpline at 755 1196 989 to speak with a dedicated customer support representative [5]

1. https://www.starhealth.in/lookup/branch/
2. https://www.starhealth.in/blog/grace-period-in-health-insurances
3. https://www.insurancedekho.com/health-insurance/portability
4. https://www.starhealth.in/contact/
5. https://www.insurancedekho.com/contact-us