Star Health and Allied Insurance Network Hospitals

Find the state-wise list of network hospitals for STAR HEALTH & ALLIED INSURANCE.

Search for details of STAR HEALTH & ALLIED INSURANCE network hospitals in India.

Star Health and Allied Insurance Co. Ltd. offers an extensive range of health insurance products to customers at affordable prices. The insurer is also the first stand-alone health insurance provider in India, dealing with medi-claim, personal accident, and overseas travel insurance. The insurer has a presence in most cities in India with 290 branch offices spread across the country. The insurer also has a wide network of more than 7950 affiliated hospitals where customers can avail cashless hospitalisation facilities. Additionally, the insurer promises direct customer-friendly settlement of claims in a hassle-free manner, without involving TPA.

Star Health Insurance was honoured as the Health Insurance Company of the Year 2015 at the Indian Insurance Awards 2015. The company has also been recognised for their competitive claim settlement ratio and the bouquet of health insurance products that they offer.

The health insurance schemes provided by Star Health Insurance include the following:

  • Family Health Optima Insurance Plan - This is a plan that can be purchased at affordable prices, and it offers a wide coverage for the entire family of the policyholder. The plan also offers coverage for newborns from the 16th day, and donor expenses for organ transplantation surgeries.
  • Senior Citizens Red Carpet Health Insurance Plan - The policy offers health insurance coverage for senior citizens aged between 60 and 75 years. The policy also offers a high sum assured of up to Rs.10 lakh.
  • Star Comprehensive Insurance Plan - This plan offers complete protection for the entire family, with features such as cover for maternity, air ambulance services, and dental cover for OPD procedures.
  • Medi-Classic Insurance Plan - A top-selling individual health insurance package that covers the entire family and offers a wide range of bonuses. This plan also includes 101 day care procedures under the coverage.
  • Star Health Gain Insurance Plan - This policy covers both individuals and the whole family. Coverage is provided for both inpatient and outpatient procedures at a standard affordable premium.
  • Super Surplus Insurance Plan - This is a top-up cover that offers higher sum insured at affordable premiums. This policy can be availed on an individual or floater basis.
  • Star Unique Health Insurance Plan - This is a two-year policy that is notable in the fact that it offers coverage for pre-existing diseases after a minimal waiting period of 11 months.
  • Diabetes Safe Insurance Plan - This is a specialised plan that covers hospitalisation expenses for issues arising from Type 1 and Type 2 diabetes. The policy is available on an individual basis or as a floater plan.
  • Star Cardiac Care Insurance Plan - This specialised health insurance policy is targeted at heart patients, and it offers a wide range of benefits, such as coverage of 405 day care procedures and outpatient processes.
  • Star Wedding Gift Insurance - This policy is specifically for newly-weds and it includes delivery and new-born cover.
  • Star Micro Health Insurance - This is a unique health insurance plan that offers healthcare benefits to customers in the rural parts of the country. The protection is offered at affordable rates and is inclusive of ambulance charges for the transportation of the insured in the case of an emergency.
  • Star Net Plus - This is a specialised health insurance policy that is specifically designed for HIV-positive patients. The Star Net Plus was the first policy in India that offered this coverage.
  • Star Care Insurance Plan - This policy can be purchased on individual or floater basis in Tier I and Tier II cities. The plan also provides hospital cash benefit if the insured was treated at a Government hospital.
  • Star Criticare Plus Insurance Plan - This policy covers 9 pre-defined critical illnesses without the clause for a survival period. It also provides coverage for non-allopathic treatments up to a certain limit.
  • Star Family Delite Insurance Plan - This is an affordable health insurance plan for the whole family that provides coverage for day care procedures, pre-hospitalisation and post-hospitalisation.

Star Health Insurance Cashless Network Hospitals

A cashless network hospital is one that is in partnership with the insurance company so as to offer cashless medical facilities to policyholders. When the insured avails the cashless hospitalisation facility he/she is not required to pay ahead for the medical expenses. These costs are deducted from the annual sum assured of the policyholder’s health insurance. The settlement takes place directly between the network hospital and the insurance company.

It should be noted that cashless hospitalisation services are offered only if the policy includes coverage for the treatment that the insured seeks. Also the policyholder is required to produce proof of insurance, either through an ID card issued by the insurer or by furnishing the policy document. As mentioned above, STAR Health Insurance has more than 7950 network hospitals across the country that provide cashless hospitalisation facility to policyholders.

What are the types of claims that can be done at Star Health Insurance network hospitals?

The following types of claims can be executed at Star Health Insurance network hospitals:

  • Cashless Claims - In case the insured seeks medical attention at any of the hospitals in the insurance company’s network, he/she will not be required to pay for the expenses. Instead the insurer settles the bills directly with the network hospital, ensuring a hassle-free payment process.
  • Reimbursement Claims - If the insured seeks medical attention at any hospital, he/she will be required to pay for the expenses. Following discharge, the insured can raise a claim under the policy for the reimbursement of medical bills. Star Health Insurance reviews the claim, and if found valid, settles the bills in the shortest possible time.

How do you file claims at Star Health Insurance network hospitals?

The claim process for cashless hospitalisation is as follows:

  • The insured approaches any of the network hospitals and produces the Star Health ID card at the hospital insurance desk.
  • The hospital contacts the insurer with the patient information and medical details through the pre-authorisation form.
  • The insurer reviews the request and informs the hospital of their decision.
  • The insurance company settles the claim directly with the hospital, as per the policy terms and conditions.

The claim process for reimbursement hospitalisation is as follows:

  • The facility for reimbursement claims is available at both network hospitals and non-network hospitals. The insurance company should be intimated within 24 hours after hospitalisation.
  • The insured avails the treatment, pays the bills, and raises a claim for the settlement of expenses.
  • The insurer reviews the claim documents and releases the payment accordingly.
  • It should be noted that the claim documents should be sent to the insurer within 30 days from the discharge date.

Procedures offered/covered in Star Health Insurance network hospitals across India

  • The health insurance policies from Star Health Insurance usually provide hospitalisation cover if the insured is hospitalised for more than 24 hours. This includes the cost of room and the nursing charges.
  • The fees for surgeons, general medical practitioners, consultants, anesthetists, and specialists are all covered under most of the plans. Operation theatre charges and the cost of medicines are included as well.
  • The policies also usually cover ambulance charges.
  • Pre-hospitalisation expenses up to 30 days before admission and post-hospitalisation expenses up to 60 days after discharge are usually covered in the plans offered by the insurer.
  • Some policies also cover ophthalmic or dental treatments on an outpatient basis.

However, the coverage varies between different policies and the specifics will be listed in the terms and conditions of the policy document.

Exclusions under Star Health Insurance network hospital services

The standard exclusions to the Star Health Insurance policies are as follows:

  • Treatments under alternative medical streams, i.e., non-allopathic medicine, will be excluded.
  • Cosmetic or aesthetic treatments are usually not covered under the Star Health Insurance policies.
  • Treatment for issues due to solvent or alcohol abuse and usage of narcotics will not be covered.
  • Bodily injuries arising out of participation in any dangerous hobby or pursuit will not be covered.
  • Treatment for complications arising from attempted suicide or self-inflicted injury will not be covered.
  • If the insured commits any anti-social activity with criminal intent, then he/she will not be covered for any bodily injuries arising out of that.


  1. What are the documents required for the submission of a claim?

    The documents required for a claim submission are as follows:

    • Health card
    • Duly filled claim form
    • Doctor's consultation report
    • Diagnosis reports
    • Pharmacy bills with the corresponding prescriptions
    • In cases of accidents, Medico Legal Certificate (MLC) and FIR
    • Discharge summary
    • Other relevant documents
  2. I am already in possession of a life insurance plan. Do I still need to buy a health insurance policy?

    A life insurance policy protects the insured from untimely death or accidental disability. The life insurance payout is made when the policyholder faces death or at the time of policy maturity. On the other hand, a health insurance policy protects the insured from pre-defined ailments or ill-health, and covers the expenses for treatment. This policy does not guarantee payouts at the time of policy maturity. Moreover, health insurance is usually renewed on an annual basis. So, it is advisable to buy a separate health insurance policy.

  3. I am already covered under the health insurance policy provided by my employer. Do I need to buy individual health insurance separately?

    The health insurance provided by your employer may not be valid in the event of a job change or even retirement. This transition period between jobs when you are uninsured actually exposes you to health risks that you will have to pay for. Also, it may not be possible to transfer your health insurance from your old employment to the new one. Moreover, the employer’s health insurance may not have sufficient coverage or offer protection from pre-existing diseases. Hence, you should buy an individual policy for optimum coverage.

  4. Can I avail tax exemptions under my health insurance policy?
    • Premiums paid towards your health insurance policy are exempted from tax under Section 80D of the Income Tax Act, 1961 up to Rs.15,000 for the policyholder and his dependents.
    • If the customer wants to include his parents under the medical insurance, then he/she will be eligible for an additional Rs.25,000 deduction under Section 80D.
    • If the age of the parent is above 65 years, the deduction will be Rs.30,000 under Section 80D.
  5. Do I need to undergo a medical check-up before the purchase of a policy?

    In the case of a new health insurance policy, a medical checkup will be required for customers above the age of 50 years, based on the policy terms and conditions. Medical checkups are usually not mandated for senior citizen policies that are offered to individuals between 60 and 69 years of age.

  6. I am a foreign citizen, but my daughter is pursuing studies in India. Can I buy a health insurance policy for her from Star Health Insurance?

    Yes, it is possible to do so. However, the scope of the insurance coverage will be limited to the treatment availed at hospitals in India, during the term of the policy.

  7. Does a health insurance policy cover charges for diagnostic tests like MRI scan, ultrasound scan, and X-Ray?

    Yes, all diagnostic tests are covered under health insurance policies. However, this is subject to the patient being admitted to the hospital for at least 24 hours. Diagnostic tests that do not involve treatment or are prescribed as outpatient procedures are usually not covered under the STAR Health plans.

  8. Can I take a health insurance policy for my son who is 3 years old?

    Children are not usually covered under the individual health insurance plans. However, you can include him in the coverage provided by either of the parents’ health insurance policies.

  9. What is a health card?

    A health card is an identity card that is provided to the policyholder along with the health insurance policy. This card enables you to avail cashless hospitalisation facility at any of the insurer’s network hospitals. The health card needs to be displayed when you get admitted to the hospital. The card also has the emergency contact numbers of the insurer that you can dial in the event of a medical emergency, or if you need any other kind of assistance.

  10. How many claims can I raise in a year?

    It is possible to raise any number of claims during the policy term of one year. However, the sum insured under the policy is the maximum limit that can be availed.

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