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Star Health Insurance

Features such as lifetime renewability, cover for pre-existing diseases, a vast network of hospitals and bonus make Star Health Insurance one of the leading health insurance providers in the country.


Highlights of Star Health Insurance Updated on 16 Sep 2019

Features Specifications
Network Hospitals 9100+
Number of claims settled 6,34,692
Incurred Claims Ratio 61.76%
Grievances Solved 98.96%
Renewability Lifetime

*For Year 2017-2018

Protecting Health, Protecting Wealth:

Star Health Insurance Plans

Star Health and Allied Insurance has an impressive number of differentiated policies to safeguard a person's financial position in the event of medical adversity. The company recognises the economic fallouts of rising medical costs and has accordingly devised products through which customers can avail adequate and cost-efficient medical treatment.

Each of these plans serves to meet varied medical costs in unique ways. They boast of advantages such as quick, easy and direct settling of claims (i.e. no third party involvement), cashless facilities and free telephonic medical advice at any time

The following features/terms are common to all plans on offer:

  • In-patient hospitalization/treatment which includes hospital expenses*, provided one has been hospitalised for a minimum of 24 hours.
  • Pre-hospitalization Expenses: Generally up to 30 days.
  • Post-hospitalization Expenses: Generally up to 60 days; usually met through a lump sum payment @7% of the expenses or Rs.5,000, whichever is less.
  • Pre-existing diseases are included subject to prior coverage by a domestic insurer; usually for the four years preceding policy inception (2 or 3 years where specified).
  • Floater Basis: Family includes the primary policyholder, husband/wife and children who are dependent on the parent (generally subject to an age cap of 25 years); Sum assured is equally apportioned among insured members.
  • Individual Basis: The sum insured under the policy is made available on a per person basis.
  • Reinstatement of sum assured: Normally allowed after a specified number of claim-free years

*(Room, Nursing, Boarding, Surgery, Anaesthetist, Medical Practitioner, Consultation, Specialists, Oxygen, OT charges, X-ray, Dialysis, Chemotherapy, Diagnostic Materials, Blood, Medicine, Drugs etc. depending on the plan chosen. This is not a restrictive list)

Types of Health Insurance Policies offered by Star Insurance

Listed below are all the different types of policies offered by Star Insurance:

  1. Star Family Health Optima Insurance Plan
  2. Star Senior Citizens Red Carpet Health Insurance Policy
  3. Star Comprehensive Insurance Policy
  4. Star Medi-Classic Insurance Policy
  5. Star Health Gain Insurance Policy
  6. Star Surplus Insurance Policy
  7. Star Diabetes Safe Insurance Policy
  8. Star Cardiac Care Insurance Policy
  9. Star Cancer Care Gold
  10. Star Net Plus
  11. Star Care Micro Insurance Policy
  12. Star Criticare Plus Insurance Policy
  13. Star Family Delite Insurance Policy
  14. Star Special Care

Star Family Health Optima Insurance Plan

Star Family Health Optima Insurance Plan covers the entire family under one plan. The plan provides coverage for the entire family at an affordable premium.

Eligibility
  • Any one between the age of 18 years and 65 years can opt for this health insurance policy.
  • You can renew the policy if the age of the policyholder exceeds 65 years.
  • Children older than 16 days can be included under this policy as part of the family.
Bonus
  • A bonus of 25% of the basic sum insured will be provided if no claims are made during a policy period.
  • A 10% additional discount will be provided for every subsequent claim free year. The bonus will be reversed in the same manner it was provided if you make a claim during the policy period.
Sum Insured The Sum Insured of the policy starts at Rs.1 lakh. You can opt for a maximum sum insured of Rs.25 lakh under this policy.
Premium The premium for this policy starts at Rs.5,825. This amount is excluding the tax to be paid for the premium amount. The cost of the premium will increase based on the age and the sum insured chosen.
Coverage Offered
  • One insurance policy for all the members of the family.
  • Sum insured will be recharged by the insurer. The policyholder need not pay any amount for the same.
  • Coverage will be provided for a new born from the day the baby is older than 16 days.
  • All day care procedures will be covered under this policy.
  • Star will provide a free health checkup as a reward for every claim free year.
  • This plan covers costs incurred for Assisted Reproduction Treatment.
  • The sum insured will be restored automatically to its maximum limit after the sum insured limit is exhausted. This will be done a maximum of three times.
  • Domiciliary Hospitalisation expenses will be covered for treatments that have to be done for more than 3 days.
  • A 120-day grace period is provided post the date of expiry of the policy.
  • The sum insured will be recharged without making any additional payments.
  • You can make lifelong renewals under this policy after the age of 65 years.

Star Senior Citizens Red Carpet Health Insurance Policy

Star Senior Citizens Red Carpet Health Insurance Policy is a health insurance policy that is specially designed for senior citizens aged between 60 years and 75 years.

Eligibility Anyone above the age of 60 years can apply for this policy. This policy can be availed by everyone between the age of 60 years and 75 years.
Medical screening before availing policy There is no pre-acceptance medical screening to be done before availing this policy. You can however avail a medical discount of 10% by providing the following test results to the insurer:
  • BP Report
  • Blood creatinine and urea
  • Sugar (Both fasting and postprandial)
  • Stress Thallium Report
Tax Benefit You can avail tax benefits for money you pay as premium for this policy. This tax benefit can be claimed under Section 80D of the Income Tax Act, 1961.
Sum Insured The sum insured of the policy starts at Rs.1 lakh. New sum insured amounts have been introduced. You can opt for a sum insured of up to Rs.25 lakh based on your coverage needs.
Premium The premium to be paid for the policy starts at Rs.4,450. The premium will vary based on the age and the amount of sum insured opted by the insured.
Coverage
  • Medical Tests need not be done before availing the policy.
  • Pre-existing policies will be covered under this policy after the completion of the second year from the date of commencement of the policy.
  • Policy is issued both on Floater and Individual basis.
  • You will be provided with an option to consult as an outpatient in the network hospitals of the insurer.
  • Lifetime renewal option is available in this policy.
  • The policy duration can range between 1 year and 3 years. You can choose the policy duration based on your needs.

Star Comprehensive Insurance Policy

A Star comprehensive insurance policyis an insurance plan that provides an exhaustive coverage to inpatient as well as certain outpatient treatments. It also considers the healthcare needs of new/expectant mothers.

Eligibility
  • Everyone above the age of 18 years can apply for this policy. Anyone between the age of 18 years and 65 years can avail this policy.
  • Dependent children can be covered under this policy if they are above the age of 3 months and are under the age of 25 years.
Tax Benefits Any amount paid as a premium for this policy is eligible for tax exemption according to Section 80D of the Income Tax Act.
Sum Insured The sum insured under this policy starts at Rs.5 lakh and can go up to a maximum of Rs.25 lakh.
Premium The premium of the policy starts at Rs.8,278. The premium will vary depending on the age and extent of cover availed.
Coverage
  • More than 400 daycare procedures are covered under this policy.
  • Second medical opinion and air ambulance assistance are covered under this policy.
  • Sum insured in the policy is increased by 100% in case the policy is renewed without making any claims
  • Cost of a medical checkup will be covered under this policy. This will be done for every three claim free years.
  • New born baby care and maternity care will be covered under the policy.
  • Dental treatment will be covered on an OPD basis.
  • Personal accident cover will be provided in case the insured suffers permanent total disablement.
  • All the medical costs incurred due to Bariatric surgical procedures and any complications associated with it are covered.

Star Medi-classic Insurance Policy (Individual)

The Star medi classic insurance policy is a comprehensive health insurance plan that provides a cover against a range of medical expenses. The policy also covers non-allopathic treatments. Further, with this policy, the insured individual can also purchase add-ons plans that will provide him/her a more enhanced level of protection.

Eligibility
  • This policy can be availed by anyone with age ranging between 5 months and 65 years.
  • Children can only be covered along with the parents.
Pre-acceptance medical test Everyone looking to avail this policy above the age of 50 years will have to get some medical tests done before the insurer approves the policy. These tests will be taken at centers that have been nominated by the company. Star is currently covering the costs for these tests.
Tax Benefits The amount paid as premium for this insurance policy is eligible for tax benefits. This is according to Section 80D of the Income Tax Act.
Sum Insured The sum insured for this policy starts at Rs.1.5 lakh. This can go up to Rs.15 lakh based on the amount of protection you need.
Premium The premium for this policy starts at Rs.2,510. This amount will vary based on the age and amount of sum insured chosen in the policy.
Coverage
  • No Claim Bonus of 5% is provided for every claim-free year. This bonus can go up to a maximum of 25%.
  • For every 4 claim-free years, health check-up costs of up to Rs.5,000 will be covered under this policy.
  • Patient care cover and hospital care cover are some of the additional optional covers you can opt for.
  • 101 daycare procedures are covered under this policy. Refer to the policy document to know more details about the day care procedures covered in the policy.

Star Health Gain Insurance Policy

Star Health Gain Insurance Policy is a health insurance policy option that covers both inpatient and outpatient expenses.

Eligibility
  • The entry age for this policy starts at 91 days. Anyone under the age of 65 years can apply for this policy.
  • Family includes spouse, self, and dependent children under the age of 25 years.
Tax Benefit Any amount you pay as premium for this health insurance policy is eligible for tax exemption under Section 80D of the Income Tax Act.
Sum Insured The sum insured under this policy ranges between Rs.1 lakh and Rs.5 lakh. You can choose a sum insured based on the extent of coverage you need.
Premium The premium to be paid for this policy starts at Rs.15,000 and can go up to Rs.30,000. This premium amount is excluding the tax to be paid for the premium amount.
Coverage
  • You can choose the amount you want to as premium and the amount you want to pay as sum insured.
  • All the expenses incurred for any daycare procedure will be covered under this policy.
  • Pre-hospitalisation expenses are covered for 30 days before the date of admission in a hospital.
  • From the date of discharge of the insured, the policy will cover post-hospitalisation expenses for up to 60 days.
  • Nursing expenses will be covered for up to 1% of the sum insured per day.
  • Cataract treatment is subject to the terms and conditions mentioned in the policy.
  • Cashless hospitalisation facilities in more than 9,100 network hospitals spread across the country.

Star Super Surplus Insurance Policy

Star Super Surplus is a top up policy that can be used to increase the sum insured by paying an affordable premium amount.

Eligibility
  • Any person above the age of 18 years dna under the age of 65 years can apply for this policy.
  • You can cover your child under this policy if the child is older than 91 days and under 25 years old.
  • Children under this policy can only be covered along with the parents.
Tax Benefit Any amount you pay as a premium for this insurance policy is tax exemption. This is according to Section 80D of the Income Tax Act.
Sum Insured The sum insured of the policy starts at Rs.5 lakh and can go up to Rs.25 lakh. This will also depend on the plan you choose.
Premium
  • The premium for this policy will depend on the plan you choose. There are two plans available – gold plan and silver plan. The premium and sum insured will vary based on the plan chosen.
  • The premium for this policy starts as low as Rs.1,165. The premium will vary based on the age, sum insured, and the health condition of the insured.
Coverage The policy can be availed on both floater and individual basis. The coverage of the policy will vary based on the plan chosen. Listed below is the coverage you get if you opt for a silver plan:
  • In-Patient hospitalisation expenses is covered up to a maximum of Rs.4,000 per day.
  • Consultant fees, surgeon fees, and specialist fees will be covered under this policy.
  • Operation theater charges, anesthesia, and pacemaker costs will be covered.
  • Pre-hospitalisation expenses will be covered for 30 days prior to the date of hospitalisation.
  • Post-hospitalisation expenses will be covered for 60 days from the date of discharge from the hospital.
  • The policy will cover pre-existing diseases after the insurer is continuously covered for 36 months without any break in insurance.
  • There is a waiting period of 24 months for some specific diseases.
Following is the coverage you will receive in case you opt for a gold plan:
  • In-patient hospitalisation expenses which include room and nursing expenses. It will be covered under this policy.
  • Pre-hospitalisation expenses under this plan are covered for 60 days prior to the date of hospitalisation.
  • Post-hospitalisation expenses is covered for 90 days from the date of discharge.
  • Emergency ambulance charges are covered under this policy. There is a coverage limit of Rs.3,000 per hospitalisation.
  • Delivery expenses is covered for up to Rs.50,000 per policy period. This is subject to a maximum of two deliveries in the lifetime of the insured person.
  • Organ donor expenses will be covered under the policy. Post donation complications and donor screening expenses will not be covered under this policy.
  • You can avail air accident cover of up to 10% of the sum insured of Rs.10 lakh or more.
  • Pre-existing diseases will be covered after the completion of 12 consecutive months of coverage.
  • There is a 12-month waiting period for some of the specific diseases.
  • There is an option to recharge the sum insured if it is exceeded the limit during the policy period.

Star Diabetes Safe Insurance Policy

Star Diabetes Safe Insurance Policy is a policy specifically designed to cover the expenses arising from the treatment of diabetes. This includes both type 1 and type 2 and any other complications of diabetes.

Eligibility Anyone above the age of 18 years and under the age of 65 years can avail this health insurance policy.
Tax Benefit You can avail tax benefit for any amount paid as premium for the policy under Section 80D of the Income Tax Act, 1961.
Sum Insured The sum insured of the policy starts at Rs.3 lakh and can be a maximum of Rs.10 lakh. You can choose the sum insured based on the amount you wish to be covered for.
Premium The premium to be paid for the policy starts at Rs.6,825. The premium will vary based on factors like age and the amount of sum insured.
Coverage
  • There are two plans available under this policy – Plan A and Plan B.
  • If you are opting for Plan A, a medical screening test is mandatory before the insurer accepts your application.
  • You need not get any medical tests done before availing the policy if you are opting for Plan B.
  • There is no waiting period for any complications related to diabetes if you opt for Plan A. There is a 12-month waiting period if you opt for Plan B.
  • Donor expenses involved for a kidney transplant surgery will be covered.
  • Diagnostic tests, consultations, and medicines are some of the outpatient expenses that will be covered under the policy.
  • Compensation will be provided in case of accidental death of the person insured under the policy.
  • Expenses up to Rs.1,000 are covered for dialysis treatment. This limit is for every sitting and this coverage is provided for 24 months.
  • Subject to some limits, the cost of artificial limbs will be covered.
  • The entire sum insured will be restored to the maximum amount automatically.
  • This policy covers all day care procedures.
  • Hospitalisation costs incurred for any other complication other than diabetes will also be covered in this policy.

Star Cardiac Care Insurance Policy

Star Cardiac Care Insurance Policy is a health insurance policy specifically for people who have undergone any surgery listed in the policy for the first time for existing cardiac ailments.

Eligibility Anyone between the age of 10 years and 65 years if he/she has undergone any one of the following treatments:
  • Coronary Artery Bypass Grafting (CABG) or Percutaneous Transluminal Coronary Angioplasty (PTCA)
  • Ventricular Septal Defect (VSD) or Atrial Septal Defect (ASD) that was corrected
  • Angiogram was done with no need of medical intervention based on the reports
  • RF Ablation done to rectify existing cardiac condition
  • Patent Ductus Arteriosus (PDA)
Pre-acceptance medical tests You need not take any medical tests before availing this policy. The person buying the insurance should submit all the past medical records required by the insurer.
Waiting Period
  • A waiting period of 30 days is applicable when you avail the policy. Claims can be made only after this waiting period. There is an exemption for accidents.
  • There is a waiting period of 24 months for some of the illnesses or diseases. Refer to the policy document to find out the list of these diseases.
  • A waiting period of 48 months is applicable for pre-existing illnesses or diseases.
Tax Benefit Any amount paid to the insurer for this policy is eligible for tax benefit under Section 80D of the Income Tax Act, 1961.
Sum Insured There are two sum insured options available under this plan. You can choose a sum insured of either Rs.3 lakh or Rs.4 lakh based on the coverage you need.
Premium The premium for the policy starts at Rs.14,095. This is excluding the tax to be paid for the premium. The premium cost will vary based on the age, sum insured, and the plan.
Coverage
  • Two plans are available under this policy – Gold Plan and Silver Plan
  • Both of these plans will provide coverage in case of hospitalisation due to an accident or any other non-cardiac disease.
  • Pre-hospitalisation expenses will be covered for a maximum of 30 days before the date of hospitalisation.
  • Post-hospitalisation expenses will be covered up to 7% of the hospitalisation expenses incurred. A maximum limit of Rs.5,000 is set per hospitalisation.
  • Ambulance charges for transporting to a hospital in case of an emergency will be covered. Coverage will be up to the limits specified in the policy.
  • Pre-existing illness or diseases will be covered after you avail 48 months of continuous coverage with the insurer.
  • Any treatment related to cardiac diseases will be covered under the policy after the completion of a waiting period of 90 days. This waiting period is not applicable at the time of policy renewal.
  • Personal Accident Cover - In case the insured person meets with an accident and suffers damages solely due to the accident caused by visible, violent, and external means.
  • Treatment of cataract is covered for up to Rs.20,000 per hospitalisation. There is a limit of Rs.30,000 for the policy period.
  • Reasonable out-patient expenses incurred at a network facility will be considered as out-patient treatment. There is a limit of Rs.500 per event and maximum of Rs.1,500 during a policy period.

Star Cancer Care Gold Insurance Policy (Pilot Product)

Star Cancer Care Gold is the first health insurance product specifically designed for people who have been diagnosed with cancer. This is a pilot product and will only be available for a limited duration.

Eligibility
  • The minimum entry age for the policy is 5 months. You can purchase this policy up to the age of 65 years.
  • The policy buyer can cover spouse, dependent parents, or dependent children.
  • The policy has a tenure of 1 year.
  • You need not get any pre-acceptance medical tests done for availing this policy.
Waiting Period
  • For getting the lump sum cover, treatments should start only after the completion of 30 months from the date of commencement of Star Cancer Care Gold.
  • For the indemnity cover, there is a 30-day waiting period from the date of commencement of the policy.
  • There is a 24-month waiting period for some specific procedures and diseases.
  • Pre-existing diseases will be covered only after the completion of 48 months from that date the policy was issued. Pre-existing diseases does not include cancer.
Tax Benefit Tax benefit can be availed for any amount paid for the insurance policy under Section 80D of the Income Tax Act.
Sum Insured The sum insured can either be Rs.3 lakh or Rs.5 lakh. This cannot be changed again after making a choice.
Premium The premium for the policy starts at Rs.12,250. This amount is excluding the tax to be paid for the premium. The premium amount will vary depending on the age and sum insured chosen.
Coverage
  • 50% of the sum insured is provided as lump sum cover. This amount is for metastasis, recurrence, or a second malignancy that is not related to the first cancer.
  • Health cover is also provided for diseases other than cancer and accidents.
  • Coverage of up to Rs.1.5 lakh is provided for surgical and interventional therapy. This is Rs.1 lakh for a sum insured of Rs.3 lakh and Rs.1.5 lakh for a sum insured of Rs.5 lakh.
  • Coverage is also provided for non-surgical and non-interventional therapy. A maximum cover of Rs.50,000 and Rs.1 lakh is provided for a sum insured of Rs.3 lakh and Rs.5 lakh, respectively.
  • Emergency hospitalisation cover of Rs.1,500 is provided for every hospitalistion. This cover has a maximum limit of Rs.2,000 per policy period.
  • Expenses for all day care procedures will be covered under this policy.

Star Care Micro Insurance Policy

Star Care Micro Insurance Policy is available both on a floater and individual basis. This insurance plan is available in tier I and tier II places in the country.

Eligibility Anyone between the age of 18 years and 65 years can avail this policy. He/she should be residing in a tier I or tier II place in India.
Tax Benefit You can avail tax benefit for any amount you pay for this insurance policy under Section 80D of the Income Tax Act.
Premium The premium to be paid for this policy starts at Rs.905. This amount is exclusive of the tax to be paid for the premium. The premium amount will vary based on the age and the sum insured chosen.
Coverage
  • Pre-hospitalisation costs are covered for up to 30 days before the date of admission to the hospital.
  • Medical expenses of up to 7% of the hospitalisation expenses will be covered under post hospitalisation expenses. This amount can be a maximum of Rs.3,000. These expenses are covered for 60 days from the date of discharge from the hospital.
  • Hospital cash benefit of a maximum of Rs.1,000 per day will be paid by the insurer. This is provided for a period of 14 days. The treatment should be done in a government hospital.
  • ICU charges of up to Rs.2,000 will be covered by the policy. This is subject to a maximum of Rs.10,000 for every hospitalisation.
  • Room and boarding expenses of up to Rs.750 will be covered. You can opt either for a private or shared accommodation based on your convenience.

The maximum coverage limit for some of the specific diseases and illness have been listed below:

Disease Limit of Indemnity
Medical Management (Other Diseases) Rs.15,000
Cataract Rs.8,500
Medical Management (Major Diseases) Rs.15,000
Other Surgeries Rs.20,000
Major Surgeries Rs.40,000
Accidental Grievous Injuries Rs.40,000

Star Criticare Plus Insurance Policy

Star Criticare Plus Insurance Policy offers coverage 9 specific critical illness.

Eligibility Any one aged between 18 years and 65 years at the time of availing this policy can buy Star Criticare Plus Insurance Policy.
Tax Benefit You can avail tax benefits for any amount paid as premium for this insurance policy under Section 80D of the Income Tax Act, 1961.
Sum Insured The sum insured under this plan is flexible and will be determined based on the individual covered under the policy.
Premium The premium of the policy starts at Rs.3,750. This amount is excluding the tax to be paid for the premium amount. The premium to be paid will vary based on the age of the individual.
Coverage
  • The policy provides coverage for 9 critical illness. All these have been specified in the policy document.
  • The lump sum payment will be provided by the insurer immediately after the diagnosis of the illness.
  • This plan also covers regular hospitalisation apart from critical illnesses.
  • Coverage is provided even for non-allopathic treatment. There is however a limit on the coverage for this type of treatment.
  • Pre-hospitalisation expenses will be covered for up to 30 days prior to the date of hospitalisation.
  • Post-hospitalisation, the lump sum will be paid by the insured based on the limit you chose at the time of availing the policy.
  • Hospitalisation cover will cover all in-patient hospitalisation expenses for a duration of 24 hours.
Major Diseases Covered
  • First diagnosis of cancer
  • Established irreversible quadriplegia
  • Established irreversible paraplegia
  • Established irreversible coma
  • Cerebro Vascular Stroke causing Hemiplegia
  • Chronic kidney disease
  • Brain tumour undergoing treatment for the first time
  • Major organ transplant
  • Acute myocardial infarction

Star Family Delite Insurance Policy

Star Family Delite Insurance Policy is an affordable health insurance policy that provides coverage for the entire family.

Eligibility Anyone between the age of 5 months and 65 years at the time of availing the policy can purchase this insurance policy. Family under this policy includes spouse, self, and dependent children.
Tax Benefit Tax benefits can be availed for the amount paid for this insurance policy under Section 80D of the Income Tax Act, 1961.
Sum Insured The sum insured of this policy is Rs.2 lakh. There is only one sum insured option in this policy.
Premium The premium to be paid for the insurance policy starts at Rs.2,800. This amount is excluding the tax to be paid for the premium amount. The cost of premium will depend on the medical history and the age of the insured person.
Coverage
  • Ambulance charges for emergency transportation to a hospital is covered under the policy. There is however a limit for this cover, refer to the policy document to know the maximum limit for ambulance charges.
  • Pre-hospitalisation expenses will be covered for up to 30 days prior to the date of hospitalisation.
  • Post-hospitalisation expenses will be paid as a lump sum up to the maximum limit specified in the policy.
  • Only certain specific day care expenses will be covered under the policy. Refer to the policy document to find out the list of day care procedures covered under the policy.
  • Some diseases are only covered up to the limits specified. Check the policy wordings if you wish to know more details about the coverage limit for these diseases.

Star Special Care

Star Special Care is a health insurance policy specially designed for children who have been diagnosed with Autism disorder.

Eligibility Any child between the age of 3 years and 25 years who has been diagnosed with Autism Spectrum Disorder will be provided cover under this policy.
Sum Insured The sum insured for this policy is fixed at Rs.3 lakh.
Premium The premium for this policy starts at Rs.4,800. This is excluding the tax to be paid for the premium amount. Different premiums have been set based on the age of the child. Refer to the policy document to get a better idea of the premium to be paid to the insurer.
Coverage
  • Room and nursing expenses are covered for up to Rs.5,000 per day. If the insured is using a shared accommodation, he/she will be paid an amount of Rs.500 per day. This is subject to a maximum of Rs.2,000 per hospitalisation and Rs.10,000 for the entire policy period.
  • Emergency ambulance cover of up to Rs.750 per hospitalisation is provided. There is a limit of Rs.1,500 for every policy period.
  • Post-hospitalisation expenses will be covered up to 7% of the expenses incurred at the hospital. This coverage will be provided for 60 days from the date of discharge from the hospital.
Waiting period
  • There is 30-day waiting period that starts the day you avail the policy. You can make claims only after the completion of 30 days from the date of commencement of the policy.
  • A waiting period of 24 months is applicable for certain diseases and procedures. Refer to the policy document to know the complete list of diseases with a waiting period of 24 months.
  • A standard waiting period of 48 months is applicable for any pre-existing disease or illness. You will have to be insured with the insurer without a break for 48 months to avail cover for pre-existing illness.

The following terms and conditions are applicable to all the plans:

Renewal No age limit; Grace period of 30 days from expiry; Increase in sum assured allowed upon renewal; Renewal premium can vary
Cancellation Allowed at any time during policy period; Premiums refunded as per company rates
Termination Upon death of insured, When entire cover is claimed
Portability Allowed

About Star Health and Allied Insurance

Star Health and Allied Insurance started its operations in 2006 with a focus on health insurance, personal accident, and overseas mediclaim policy. Star Health Insurance offers a variety of health insurance products at affordable prices to make sure everyone can by a health insurance policy and be protected from any medical expenses incurred.

Why choose Star Health Insurance?

  • Star Health Insurance is the first standalone health insurance company in India.
  • Star Health and Allied Insurance offers the option of cashless hospitalisation and reimbursement feature in all the network hospitals of the company. Star currently has more than 9,100 network hospitals across the nation.
  • The insurance company has a presence all over the country with more than 450 branch offices spread across the country.
  • Claim settlement is hassle free and is directly done without the involvement of a third party.
  • Offers a variety of insurance products ranging from Family Floater Schemes to Senior Citizen health insurance covers.
  • Star was selected as the Best Health Insurance Provider for the year by Money Today Financial Awards and Business Today for the year 2018-19.
  • Star Health and Allied Insurance was rated as the Best Claim Settlement Insurer by Hindustan MaRs Survey.
  • The company won the W.H.O Award of Excellence for the year 2017 from the President of India.

Star Health and Allied Insurance Online Renewal:

Star Health and Allied Insurance offers many policies with a lifetime renewability option. Here is a step-by-step guide to renew your Star Health Insurance policy online:

  • Visit the insurer's website for instant renewal.
  • Click on the Renewal button.
  • Fill in the online form with details about your policy such as the policy number, your mobile number, email ID, and date of birth. Click on Proceed.
  • Fill in your address and click on proceed.
  • Post keying-in all the mandatory information, renewal details such as gross premium and service tax will be displayed.
  • You can click on Renewal Notice and a new window will open with the notice.
  • After reading the notice, click on Purchase Policy.
  • Register with your name, phone, email and password to pay the premium using net banking, debit card or credit card.

It is important to check the terms and conditions of renewability before buying a health insurance policy.

Star Health and Allied Insurance Customer Care:

Star Health and Allied Insurance has a dedicated claims helpdesk to resolve the claim-related queries of its customers. The claims helpdesk number and contact person for each location can be found on the insurance company's website. The grievances will be acknowledged within hours of registration of complaint.

  • Address: The Manager - Customer Care, Star Health & Allied Insurance Co. Ltd, No.1, New Tank Street, Valluvarkottam High Road, Nungambakkam, Chennai - 600 034
  • The insurer also has a dedicated email ID and toll-free numbers

Your queries can be submitted online through the insurer’s website. As one of the largest health insurance companies in India, Star Health and Allied Insurance takes special care in redressing the grievances of its customers.

Know More About:Star Health and Allied Insurance Customer Care Number

Star Health and Allied Insurance Mediclaim Premium Calculator:

The online premium calculator available on the insurer’s website makes it easy for insurance premium calculation of your chosen health insurance policy. Visit the official website of Star Health Insurance and click on the chosen plan. For instance, if you have chosen a Family Insurance Plan, enter how many adults and children you want to insure under the scheme, enter the sum insured amount, the date of birth of the eldest member of your family, pincode, etc. Once you have keyed-in all the necessary information, you will get an instant quote of the insurance premium for the chosen policy.

Star Health and Allied Insurance for Government Employees:

The Tamil Nadu State Government had launched a new health insurance scheme with a tie-up with Star Health and Allied Insurance Company for government employees and their families in 2008. The premium for the health cover was paid by the employees and in part by the government. The policyholder could avail up to Rs.2 lakh towards medical expenses for 4 years for an annual premium of Rs.495. The state government employee had to pay Rs.300 while the government paid the rest. A sum of Rs.25 was deducted from the monthly salary of the employee enrolled under the scheme. The beneficiaries of the scheme could avail medical services in 52 hospitals across the state.

Star Health and Allied Insurance Health Checkup:

Star Health Insurance covers health checkup for every 1-3 claim-free years under the Family Health Optima Insurance Plan, Star Comprehensive Insurance policy, and Medi-classic Insurance Policy. Regular Health checkup can help identify an illness or prevent the onset of one. Health checkup can be expensive, which is why, an insurance policy that covers your health check-up costs can be beneficial.

Star Health and Allied Insurance Policy Document:

It is important to go through the policy document for inclusions and exclusions when buying an insurance plan to avoid any hassle when making a claim. Star Health and Allied Insurance application form, policy document, brochures, pre-authorisation form, and KYC form are available on the insurer’s website. You can download the forms, fill it, and submit it at the nearest Star Health Insurance branch office.

Star Health and Allied Insurance Login:

To log into the Star Health Insurance website, you have to register with your name, phone, email, and password. You can login with your registered email ID and password. By logging into the website, you can carry out the following:

  • Star Health and Allied Insurance mediclaim online payment
  • View your policy renewal notice
  • Make Star Health and Allied Insurance renewal payment

Star Health and Allied Insurance Customer ID:

A new health insurance scheme was launched by the Tamil Nadu state government in partnership with the stand-alone health insurance company, Star Health and Allied Insurance to provide health cover for government employees. The insurance company issued identity cards to the employees and the beneficiaries covered under the new health insurance scheme through the respective pay drawing officers within a period of 60 days from the date of commencement of the scheme.

Star Health and Allied Insurance Network Hospitals:

Star Health and Allied Insurance has tie-ups with over 9,100 hospitals across the country where policyholders with a Star Health Insurance policy can avail cashless hospitalisation as well as reimbursement facility. It is one of the largest bases of network hospitals in India. The insurer also offers a hassle-free claim settlement process without the intervention of a Third-Party Administrator (TPA).

To locate a network hospital near your home, select your state and city from the drop-down box on the online Network Hospital Locator. You will get a list of network hospitals with contact details instantly. Star Health also has tie-ups with Agreed Network Hospitals where the insured members can avail cashless transactions and get package rates for identified procedures.

Also Read:How to File a Claim with SBI Health?

How to File a Claim with Star Health?

Cashless Claim: Visit a network hospital of the insurer to avail cashless treatment. Intimate the insurer within 24 hours of unplanned hospitalisation and 48 hours prior to your planned hospitalisation by calling the toll-free number of Star Health Insurance.

  • Display your Star Health ID at the network hospital help desk. The hospital will verify your identity details and submit a duly-filled and signed pre-authorisation request form to the insurance company.
  • Star Health will appoint a doctor to verify the pre-authorisation request and send an approval letter to the hospital.
  • The hospital will proceed with the cashless treatment for the insured member.
  • If the cashless claim is denied, the insured member can get treated and file for a reimbursement claim after discharge.

Reimbursement Claim: A field doctor will be assigned by Star Health to make hospitalisation easier for the insured. All claim intimations have to be made within 24 hours of hospitalisation. Reimbursement facility can be availed at network as well as non-network hospitals.

  • Settle all the hospital bills at the time of discharge and collect all the original documents such as discharge summary, prescription, medical bills, hospital bills, pharmacy bills, etc.
  • Submit a reimbursement claim form along with the original medical documents at the nearest Star Health branch office within 30 days of discharge.
  • Upon successful verification and approval, the claim amount will be sent to the insured.

Incurred Claims Ratio of Star Health Insurance for the Year 2017-18

Net Earned Premium (in Crore) Net Claims Paid (in Crore) Incurred Claims Ratio (in %)
Rs.2,793.60 crore Rs.1,692.02 crore 61.76%

Also Read: Check Incurred Claim Ratio of Health Insurers

Also Read: Best Health Insurance Plans

Star Health Insurance – Frequently Asked Questions

  1. Why is it necessary to buy a health insurance policy?

    Buying a health insurance policy will ensure that you and your family are protected from any financial risk that might come up due to a sudden medical emergency. Opting for a good health insurance plan will make sure you save a lot of money in the long run.

  2. Are diagnostic charges like X-ray and MRI covered under the health insurance policy?

    A health insurance plan will cover all diagnostic tests like MRI, X-Ray, and blood tests only if they are related to the insured getting admitted in a hospital for at least 24 hours. Diagnostic tests that are not part of hospitalisation or which have been prescribed as outpatient will not be covered under the policy.

  3. What is meant by a hospital under Mediclaim insurance?

    A nursing home or hospital in India is an institution that has the capacity for indoor care and treatment of injuries and sickness. A hospital or a nursing home should be registered with the local authorities and must be under the supervision of a qualified and registered medical practitioner. If this is not the case, the hospital should satisfy the following minimum criteria:

    • Should have an operation theater where surgeries can be carried out.
    • The hospital should have at least 15 in-patient beds. The number of beds is reduced to 10 if it is a ‘C’ town.
    • Nursing staff that has all the necessary qualifications should be available round the clock at the hospital.
    • A qualified doctor should be available and should be in charge at the hospital round the clock.
  4. Can the insurer reject the request for authorisation of a cashless claim?

    Yes, there is a possibility Star Health might reject the request for authorisation of a cashless claim. Some of the most common reasons for the insurer to reject cashless claims have been listed below:

    • The insured has completely exhausted the sum insured to cover the hospitalisation costs.
    • The disease for which the hospitalisation occurred is not covered under the insurance policy.
  5. What are some of the important things to keep in mind at the time of hospitalisation using the cashless access scheme?
    • It is advisable to register with the hospital in advance if you wish to get admission to the hospital on the day of appointment.
    • You can contact either the Star Health Customer Care or the admission desk at the hospital.
    • You can show your Star identity card as proof and sign the pre-authorisation form provided by the hospital after verifying your Star identity card.
    • There are some network hospitals that will be asking for some processing fees for admission and registration. These costs will have to be covered by the policyholder as it cannot be reimbursed under your health insurance policy.
  6. What is the Income Tax exemption provided for health insurance policies?
    • The premium to be paid for the policy is exempted from Income Tax according to Section 80D of the Income Tax Act, 1961. This exemption is up to Rs.25,000 for an individual who is covering the family and his/her dependent children.
    • If the policyholder wishes to cover his/her parents aged below 60 years under the insurance policy, tax benefit of another Rs.25,000 will be provided under Section 80D.
    • In cases where parents are more than 60 years old, a deduction of Rs.50,000 can be availed under Section 80D of the Income Tax Act.
  7. How does cashless hospitalisation work?
    • Every person who is provided coverage under the health insurance policy will be provided with an identity card.
    • In case there is a need for hospitalisation, the policyholder will have to inform Star Health at 044-28302200 / 1800 102 4477 / 1800 425 2255.
    • You will have to get a pre-authorisation letter from Star Health. The hospital will also be submitting the pre-authorisation form to the insurer.
    • Star Health will then process the cashless request based on the details received and will provide a response to the hospital.
  8. How does the hospitalisation process work in case it is a planned hospitalisation?
    • The pre-authorisation form in the case of a planned hospitalisation will have to be signed by the insured and sent by the hospital to the insured.
    • The request will have to reach Star Health at least two days prior to the date of hospitalisation.
    • Any changes made to the hospital, the date of hopsitalisation, the nature of the illness for admission or the surgeon performing the procedure will deem the pre-authorisation invalid. You will have to get a new authorisation in this case.
    • The authorisation will be addressed to the hospital.
    • This authorisation is only valid in all the network hospitals under the insurer.
  9. What is the procedure to be followed to avail a reimbursement for pre hospitalisation and post-hospitalisation expenses under this insurance policy?
    • Mediclaim Policy gives the option of reimbursement of expenses incurred for a disease for which hospitalisation was necessary. You can reimburse for some expenses prior to hospitalisation and for a specified number of days after discharge from the hospital. This is however subject to some limits that have been mentioned in the policy.
    • In order to claim pre hospitalisation expenses, all expenses that are incurred at Out Patient treatment which results in In-Patient hospitalisation are called pre hospitalisation expenses. This coverage is for up to 30 days before the date of hospitalisation. You will have to produce all the original bills if you wish to make claims.
    • In order to avail post hospitalisation expenses, 7% of the total hospital bill without including room rent up to a maximum of Rs.5,000 can be classified as post-hospitalisation expenses. This coverage will be offered based on the recommendation provided by the doctor and the discharge summary.
  10. You can contact the customer service in case of non-settlement of claims by the insurer.

  11. Can a diabetic person take a mediclaim policy with Star Health?

    Yes, you can take any health insurance with Star Health that excludes an existing condition of diabetes. There is also an option to purchase covers for diabetes. You can purchase a Diabetes Safe Policy. This policy will provide coverage for all complications that may come up due to Diabetic Nephropathy, Diabetic Foot Ulcer, and Diabetic Retinopathy. This policy will however require a pre-medical screening even if the policy proposer is under 50 years old.

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News About STAR HEALTH & ALLIED Health Insurance

  • Star India offers parental leave and health insurance for those from the LGBT community

    Already giving its employees a host of benefits such as 12 months maternity leave, 1 month paternity leave and no restriction on the number of paid leaves, Star Health Insurance is now offering parental leaves and health insurance for its employees who belong to the LGBT community. According to the head of human resources at Star Health, we believe that our people are happiest when they can bring their authentic self to work. Since our inception, diversity and inclusion have been our biggest strengths. It helps us build enduring characters, rich stories and imagine more possibilities. We respect each individual’s diverse perspectives to foster a truly inclusive culture.

    31 July 2019

  • Government Plans to Start Medical College and Hospital in Every District

    Prime Minister, Mr. Narendra Modi, has recently stated that his government plans on setting up a hospital and medical college in every district of the country. Additionally, he also mentioned that the government intends on establishing 1.5 lakh wellness centres in the rural areas of the country. These statements were made after the inauguration of a Gujarat Medical and Education Research Society Hospital at Junagadh with a capacity of 300 beds. During the event, Mr. Modi further added that the health segment of the country has witnessed a significant transformation in the previous couple of years owing to the different types of schemes that have been launched by the Central Government. During the 2018 Union Budget, the government has already announced that it will set-up one big hospital along with an affiliated medical college for every three parliamentary constituencies. As per the statements of Mr. Modi, the Central Government aims to start by setting up a big hospital and medical college for each parliamentary constituency before taking it to each of the districts. He further added that he had already started working to establish a big hospital and affiliated medical college in each district of Gujarat when he was the Chief Minister of the state. That project is about to be completed soon.

    Under the Ayushman Bharat scheme, the government is planning to set up 1.5 lakh wellness centres in addition to the existing ones in order to provide quality healthcare in the rural areas of the country. Catering 6 lakh villages, the government will set up one centre every 10-12 km to be able to make healthcare services more accessible to the rural population. The government will offer a medical insurance offering coverage worth Rs.5 lakh to 10 crore households of the country under the Ayushman Bharat scheme. Mr. Modi also commented that this programme would also increase the private sector investment in healthcare sector for the development of the rural areas of the country. He further added that the Union Government has established Jan Aushadhi stores as well, which will help reduce the price of medicines.

    5 September 2018

  • Star Health Insurance Acquisition: Things to Know

    The acquisition of Star Health Insurance company has come as a huge surprise to all the market leaders operating in the sector. Highlighting the event of the acquisition, it has been reported that ace investor, Mr. Rakesh Jhunjhunwala along with an assortment of multiple private equity organisations such as Madison Capital and WestBridge Capital have agreed on a deal of Rs.6500 crore for the Chennai-based health insurance company.

    India’s leading standalone health insurer, Star Health Insurance was part of the talks about acquisition since a long time. The deal, however, materialised only recently. The assortment of private equity firms along with the investors have signed a deal with the health insurance company’s shareholders, in order to purchase shares that are under their names. The reports in the earlier days also mentioned that Rakesh Jhunjhunwala was initially in talks with multiple other investors. According to a recent TV report, Rakesh Jhunjhunwala will own a 35% stake in the company (Star Health Insurance) and will also be its star promoter. Furthermore, the owner of Star Health- Safecrop Holdings henceforth will be Safecrop Holdings.

    Additionally, it has also been reported that earlier ICICI Lombard General Insurance was planning to acquire Star Health Insurance at a total bid of Rs.5,800 crore. However, this amount fell short in front of the offer made by Rakesh Jhunjhunwala and the consortium. A noteworthy observation in this case would be that Star Health Insurance has about 10.6% market share in the space of health insurance in the country as of 31 March, 2018.

    23 August 2018

  • Star Health insurance launches health insurance for autistic individuals

    Star Health Insurance has introduced a medical insurance scheme that offers up to Rs.3 lakh coverage for individuals diagnosed with autism. The plan was launched by the insurer on 29 January 2018 and remains one of the few insurance schemes that provides coverage for people having autism spectrum disorder.

    The scheme will cover most of the outpatient and inpatient services offered by hospitals for individuals between the age of 3 years and 35 years. This includes physiotherapy, speech therapy, behavioural therapy, and occupational therapy. Inpatient procedures such as surgical treatment and medication for certain infectious diseases are also covered.

    The plan was welcomed by the Indian Academy of Paediatrics (IAP) and it said that the scheme should only offer coverage for accepted treatments and not that provided by the unorganised sector. The policy premium is 23% higher than the premium for an ordinary health insurance plan, as autism-affected individuals are more prone to fits, injuries, and respiratory infections.

    15 February 2018

  • 5 Companies In The Final Shortlist For Acquiring Star Health & Allied Insurance

    In the last leg of the race to purchase Star Health & Allied Insurance, 5 companies have made it to the final shortlist. Out of these, there are 3 general insurance providers, one financial services company, and one global private equity fund. According to sources privy to the discussion, this deal can possibly drive the value of India's largest standalone health insurance firm to Rs.6,500 crore.

    The shortlist compiled by bankers includes some of the major names in the insurance and finance sector such as ICICI Lombard, HDFC Ergo, Bajaj Allianz, Hero Fincorp and PE firm Warburg Pincus. This deal be greatly beneficial for Star Health Insurance in terms of business. A floor price of Rs.5,500 crore has been put forth by the seller after 12 companies made their bid last week. The shortlisted buyers will be bidding above the floor price.

    HDFC Ergo was established as a joint venture between India’s HDFC Bank and ERGO International which is a part of the Munich Re Group; ICICI Lombard was formed following a joint venture between India’s largest bank, ICICI Bank and the US-based insurance firm, Lombard; Bajaj Allianz was founded following a joint venture between the India-based Bajaj Finserv and Allianz, a Europe-based insurance giant; Hero Fincorp is the financial business arm of hero MotoCorp, the major two-wheeler manufacturer. The advisors enlisted for this deal are Kotak Investment Bank, Mizuho Securities and Evercore Partners.

    27 December 2017

  • Star Health Insurance to raise Rs.200 crore to launch product for cancer patients

    Anand Roy, Executive Director and CMO of the standalone health insurance company, Star Health Insurance said that the company is planning to launch a disease-specific product for cancer patients and children suffering from autistic disorders. In the previous financial year, the company earned Rs.2,962 crore in gross written premium. This year, it is targeting Rs.4,000 crore. The company is planning to raise Rs.200 crore funds to support its growth plans.

    The insurer has increased the cost of Family Health Optima plan by 10-15% due to the rise in medical costs and health inflation. The sum assured for the Family Health Optima plan will automatically increase by 25% (up to maximum Rs.5 lakh) for helmet-wearing customers. As for the the company's distribution channels, it has about 1.5 lakh agents and online channel. It is planning to open 20 to 25 branches this year.

    30 August 2017

  • Star Health Insurance plans to raise funds up to Rs.3,000 crore

    In order to meet its growing capital base and working capital requirements, Star Health Insurance has decided to appoint a domestic investment bank to raise funds and one of the options may include Initial Public Offering (IPO). Star Health and Allied Insurance Co. Ltd sells travel, health, and accident insurance. The company wants to raise up to Rs.3,000 crore in funding by selling primary and secondary stakes. 80% stake in Religare Health Insurance Co. Ltd was sold to a group of investors for Rs.1,300 crore in April. In July, HDFC Life announced its plans to sell 9.57% stake through IPO. At the same time, SBI Life Insurance Co. Ltd got approval to raise up to Rs.7,000 crore through its IPO.

    11 August 2017

  • Star Health and Allied Insurance considering an IPO

    Star Health and Allied Insurance mainly deals with overseas travel insurance, mediclaim, and personal accidents. It is a joint venture between Sequoia Capital, ICICI Ventures, Oman Insurance Company, Tata Capital Growth Fund, and others. It has a capital of Rs.1,050 crores. In 2016, after ICICI Ventures and Apis Partners acquired a 15% stake in the company for Rs.320 crores, Star Health and Allied Insurance has been valued at over Rs.2,100 crores. 63.76% of the shares is owned by domestic shareholders and rest is owned by foreign investors. The company has witnessed a growth rate of more than 40% on yearly basis.

    Star Health & Allied Insurance is the first standalone health insurer in India. Sources say that the company is considering an Initial Public Offering (IPO) as getting buyers for multiple holder's stake can be difficult. Insurers have to complete 10 years to list. Star Health and Allied Insurance is the only eligible one in its category so far. However, V Jagannathan, the Chairman of the company said that there are no plans to list.

    1 June 2017

  • Star Health may be the first health insurer to list shares

    Star Health & Allied Insurance, the sole health insurance company in India, may soon start selling its shares in D-St. The company intends to sell its shares to the masses partially because they do not want a few private equity investors. They want to enter the initial public offering (IPO) mode as they feel that making arrangements for purchasers for several holders’ stakes is a complex process.

    A source also said that since the stock market is performing well off late, the launch of the shares in the market will be a great move. However, V Jagannathan, the chairman of the company, stated that they do not have any such plans.

    31 May 2017

  • Star Health launches improved version of Family Health Optima

    Star Health and Allied Insurance has released a new version of the Family Health Optima Plan. The relaunched product comes with additional features such as automatic increase of the sum assured by 25% if the customer wears a helmet and is safe on the roads. This is capped at a maximum of Rs.5 lakh. Other benefits include health check-ups for every claim-free year, and assisted reproductive treatment and other specified treatments after 3 years of being a policyholder. The new product is an improved version of the existing Family Health Optima Plan. Those who opt for this plan now will stand to benefit from a range of added features and benefits.

    24 April 2017

GST rate of 18% applicable for all financial services effective July 1, 2017.

Disclaimer: Premiums may vary depending upon factors like age, location and prevailing taxes/GST.

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Star Health Insurance Reviews

Page 1 of 36 1 2 3 4 5
  • Star Health Health Insurance
    "Better"
    0.5 4.0/5 "Great!"
    I have a health insurance with Star Health which was provided by the company. Its been 3 years and there was no claims. They are providing medical coverage of 10L. I can give a better opinion once I go for a claim. I have received the insurance paper.
    Was this review helpful? 0
    , chennai
    Reviewed on Sep 03, 2019
  • Star Health
    Star Health Health Insurance
    "Good service"
    0.5 5.0/5 "Blown Away!"
    I am directly contacting Star Health Insurance for any detail. Am working as an agent and am satisfied with the benefits. I have paid around 11K to purchase one year policy for 3 members. The medical coverage is 5L for 3 of them. I don't have claim experience but I have given service to my customer and the procedure was easy.
    Was this review helpful? 0
    , coimbatore
    Reviewed on Sep 03, 2019
  • Star Health Health Insurance
    "Good"
    0.5 5.0/5 "Blown Away!"
    I have taken a health insurance in STAR HEALTH on 3 years before. The policy get renewable yearly once. I am paying premium in the yearly package. While getting a policy my agent has given an information about the policy details.They have tied up with many hospitals and covers for my family of 3 members.
    Was this review helpful? 1
    , coimbatore
    Reviewed on Aug 30, 2019
  • Star Health Health Insurance
    "Good insurer"
    0.5 4.0/5 "Great!"
    I have taken a health insurance with STAR HEALTH & ALLIED INSURANCE on 11 months before. It is 3 months renewable basis. While getting a policy my agent has given an information about the policy details and received a documents on time. They have tied up with many hospitals. It covers my family members.
    Was this review helpful? 1
    , bangalore
    Reviewed on Aug 27, 2019
  • Star Health Health Insurance
    "Good"
    0.5 4.0/5 "Great!"
    I have taken a health insurance with STAR HEALTH & ALLIED INSURANCE on 9 months before. I am paying premium in the yearly package for 10 thousands rupees. While getting a policy my agent has given an information about the policy details. They have tied up with many hospitals.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Aug 27, 2019
  • Star Health Health Insurance
    "Good insurer"
    0.5 5.0/5 "Blown Away!"
    I have taken a health insurance with STAR HEALTH on 3 years before. This policy gets renewed on a yearly basis. I am paying premium in the yearly package. While getting a policy my agent has given an information about the policy details.They have tied up with many hospitals. It covers my whole family. I used to do payment through an online.
    Was this review helpful? 0
    , bangalore
    Reviewed on Aug 25, 2019
  • Star Health Health Insurance
    "Good"
    0.5 4.0/5 "Great!"
    My health insurance is with Star Health because of coverage of hospitals, In my home town they are providing more option for hospitals. The medical coverage is 3L per person and it includes 3 people. They have charged me approx 8 to 9K for a year. There is no claim experience.
    Was this review helpful? 0
    , indore
    Reviewed on Aug 21, 2019
  • Star Health Health Insurance
    "Better Policy"
    0.5 4.0/5 "Great!"
    My health is covered from Star health insurance. My entire family has been secured with this policy. For past 3 years, i have been renewing the policy and they have given me a coverage value of Rs. 3 lakhs. I got the no claim bonus since i don't have any claim experience.
    Was this review helpful? 0
    , indore
    Reviewed on Aug 20, 2019
  • Star Health Health Insurance
    "Excellent Service"
    0.5 5.0/5 "Blown Away!"
    I have taken Health Insurance policy through Star Health Insurance companies .The premium amount was very low and it was Rs.5300 only .This is a 1 year policy and need to renew it every year.I have got all the details about the policy through the agent .I am totally satisfied with the service .
    Was this review helpful? 0
    , greater noida
    Reviewed on Aug 14, 2019
  • Star Health Health Insurance
    "Good insurer"
    0.5 4.0/5 "Great!"
    I am holding a health insurance policy with STAR HEALTH from one month before, the agent had clearly explain me about the plan benefits and policy coverage, the premium amount I use to pay on yearly basis and get renewable on yearly as well. They have tied with many hospitals. I also make ECS payment.
    Was this review helpful? 1
    , bangalore
    Reviewed on Aug 10, 2019
  • Star Health Health Insurance
    "Good for health"
    0.5 5.0/5 "Blown Away!"
    I have optima health plan with Star health, the total mediclaim value is good around Rs. 7 lakhs its covers my entire family including three members. I got the medical card but there is no claim, they have large network. They are providing no claim bonus with critical illness.
    Was this review helpful? 0
    , burdwan
    Reviewed on Aug 09, 2019
  • Star Health Health Insurance
    "Should be customer friendly"
    0.5 2.0/5 "Expected more"
    I have one lakh rupees of health cover with Star Health, two years back I had health issues at the time I was hospitalized. I spend Rs. 80,000 from my end when I raised the request for the claim I got only Rs.15,000 from them, I am not satisfied even I believe they don't have large networks of hospitals.
    Was this review helpful? 0
    , chennai
    Reviewed on Aug 05, 2019
  • Star Health Health Insurance
    "Good insurer"
    0.5 5.0/5 "Blown Away!"
    I have taken a health insurance in STAR HEALTH on 6 months before. The policy is yearly basis renewable. I am paying premium in the yearly package. While getting a policy my agent has given an information about the policy details. I use to do payment through an online. They have tied up with many hospitals. It covers up to myself.
    Was this review helpful? 0
    , chennai
    Reviewed on Jul 31, 2019
  • Star Health Health Insurance
    "Good"
    0.5 4.0/5 "Great!"
    I have taken a health insurance in STAR HEALTH on 1 year before. The policy is yearly renewable. I use to do payment through an online. While getting a policy my agent has given an information about the policy details. They have tied up with many hospitals and cashless treatment is applicable.
    Was this review helpful? 0
    , chennai
    Reviewed on Jul 31, 2019
  • Star Health Health Insurance
    "Need to provide cash lesss treatment"
    0.5 3.0/5 "Satisfactory"
    I have taken a health insurance in STAR HEALTH on 6 months before. The policy is based on yearly renewable. I am paying premium in the yearly package. While getting a policy my agent has given an information about the policy details. I use to do payment through an online. They have tied up with limited hospitals, once I try to do claim for my mother they have amount should be more than 25 thousands then only can do cashless treatment if not then it is not applicable.
    Was this review helpful? 0
    , bangalore
    Reviewed on Jul 29, 2019
  • Star Health Health Insurance
    "Good insurer"
    0.5 4.5/5 "Excellent!"
    I have taken a health insurance in STAR HEALTH on 5 years before. I am paying premium in the yearly package. I have done online process so I got all information about the policy details and received soft copy documents a well and do payments through an online. They have tied up with listed hospitals. It covers my whole family.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Jul 21, 2019
  • Star Health Health Insurance
    "GOOD"
    0.5 3.0/5 "Satisfactory"
    I am using the health insurance policy since from last 10 years and i had no claim experience with the policy. The premium paying was 9K approximately with the policy. The listed hospital is good and it gives the coverage is for illness, disease.
    Was this review helpful? 0
    , kolkata
    Reviewed on Jul 20, 2019
  • Star Health Health Insurance
    "Good health insurance"
    0.5 5.0/5 "Blown Away!"
    5 years back, i have started taking the health insurance from Star health insurance. They are providing some discounts also but i did not get any claim till now. Its because of the best services an the premium is less hence i have purchased the policy with them. My entire family has been covered in this policy. I don't have any claim experience.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Jul 16, 2019
  • Star Health Health Insurance
    "AVERAGE"
    0.5 3.5/5 "Pretty good"
    I am using from last few years the health insurance policy, i had a claim but the settlement was done for 70% within 3-4days. The coverage is for family, premium paying was nominal, medical coverage is for 4L, illness, pre existing disease coverage is available with the policy.
    Was this review helpful? 0
    , bangalore
    Reviewed on Jul 14, 2019
  • Star Health Health Insurance
    "GOOD"
    0.5 5.0/5 "Blown Away!"
    I had a claim for 2 time and the experience was excellent, it was a reimbursement and cashless once also the customer support is good, i am using from last 10 years. It has the pre existing disease coverage and illness is there, listed hospital is good, premium was nominal, medical coverage is was 10L for family coverage.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Jul 13, 2019
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