Star Health Insurance Claims Procedure

FAQs on Star Health Insurance Claims Procedure

• How can you seek reimbursement for pre-hospitalisation and post-hospitalisation expenses under the Mediclaim policy?

  The Mediclaim Policy offers reimbursement for medical expenses related to the ailment or disease that led to hospitalisation. This coverage extends to medical expenses incurred both before and after hospitalisation, up to a specified number of days, as outlined in the policy. Expenses incurred prior to hospitalisation are referred to as pre-hospitalisation expenses, while those occurring after discharge are known as post-hospitalisation expenses.

• What's the renewal process for my health insurance policy after one year for Star Health Insurance?

  You will receive a renewal notice via courier, reminding you of your health policy's expiration. However, please note that the Star Health Insurance Company is not obligated to send renewal notices, and the absence of such a notice does not indicate a deficiency in service. Therefore, it is the customer's primary responsibility to renew their policy.

• What's the maximum number of claims allowed in a year with Star Health Insurance?

  There is no limit to the number of claims allowed during the policy period. However, the sum insured represents the maximum limit under the policy with Star Health Insurance.

• What is a family floater plan?

  A Family Floater Health Plan covers the hospitalisation expenses for your entire family under a single policy. It takes care of medical expenses arising from sudden illness, surgeries, and accidents.

• Does Star Health Insurance cover diagnostic charges like X-rays, MRI, or Ultrasound?

  Star Health Insurance covers all diagnostic tests, such as X-rays, MRIs, blood tests, etc., as long as they are associated with the patient's hospital stay for at least 24 hours. Diagnostic tests that do not lead to treatment or those prescribed as outpatient procedures are typically not covered.

• Does Star Health Insurance cover treatment for existing diseases?

  Most health plans exclude treatment for pre-existing diseases or conditions. However, at Star Health Insurance, treatment for such pre-existing conditions is covered after 48 months of continuous renewals of the policy.

• What is network or non-network hospitalisation?

  A 'Network Hospital' is one that has an agreement with us to provide cashless treatment. A cashless facility is available only at network hospitals. Non-network hospitals are those with which we do not have any agreement. If a policyholder seeks treatment at a non-network hospital, they will have to pay for the treatment and later claim reimbursement.

• How does one get reimbursements for treatment in non-network hospitals with Star Health Insurance?

  For treatment in non-network hospitals, Star Health Insurance will reimburse the policyholder based on their policy's terms. The policyholder should contact Star Health Insurance within 24 hours of admission and provide details such as the Star Health ID card number, nature of illness, hospital information, room number, etc. A claim will be registered, and the necessary claim form will be sent to the policyholder for completion. The completed form and required documents must be submitted to Star Health Insurance for processing.

• What is cashless hospitalisation?

  Cashless Hospitalisation means that at the time of hospital discharge, the patient or their family does not have to settle the hospitalisation expenses. Instead, Star Health Insurance settles the bills directly with the hospital, reducing the financial burden on the insured individual.

• Is health insurance premium tax-exempt?

  Yes, the premium paid for Health Insurance is eligible for income tax exemption under Section 80D of the Income Tax Act. You can claim up to Rs. 25,000 for yourself, your family, and dependent children. If you're covering your parents who are below 60 years old, you can claim an additional deduction of Rs. 25,000 under Section 80D. If your parents are over 60 years old, the deduction available is Rs. 50,000 under Section 80D.