Star Health Insurance
Cashless Approval TAT | Within 2 hours |
Claim Settlement Ratio | 99.10% |
Network Hospitals | 14,000+ |
Pre-existing Disease Waiting Period | 1 year |
Special Benefits | No Extra Premium for Disease Coverage |
Starting Premium for Rs. 5 lakhs SI | Rs. 410/month |
Star Health & Allied Insurance Co. Ltd., started functioning in 2006. Star Health has its headquarters in Chennai and was India’s first independent health insurance company. It has over 14,000 network hospitals with 850+ branch offices across India. The company has paid over Rs.30,300 crore in claims to its customers. From the day of its inception, the company has covered 17 crore lives and they are enhancing their services to cover more lives under health insurance.
About Star Health Insurance
Star Health Insurance has a wide range of health insurance products that cater to its customers. They have products like Star Cardiac Care Insurance Plan, Family Health Optima Insurance Plan, and Medi Classic Insurance Plan. Being a health insurance specialist company provides timely assistance in health emergencies. Free telehealth consultations from the expert team of doctors are provided with a free second medical opinion if necessary.
Key Features
Here are the key features of Star Health Insurance plans:
- Telemedicine: Star Health Insurance gives telemedicine facilities to its customers. In this, a customer can consult with specialist doctors through phone calls, chats or video calls and take medical advice from them.
- Cashless Hospitalisation: The company has a tie-up with 14,000+ hospitals where you will get the benefit of cashless hospitalisation. During any medical emergencies, you don’t have to take the strain of hospital bills.
- Diagnostic Centers: After purchasing health insurance you will get access to 1,635 diagnostic centres across India. A health checkup will be done at your doorstep and they will collect the lab samples from your home.
- E-Pharmacy: You can order medicine online at a discounted price and they provide a facility of home delivery and store pickups across 2780 cities.
- Wellness Program: You can take part in the wellness program of the company which will help you earn points and those points will be redeemed at the time of policy renewal.
Health Insurance Calculator
Whom do you want the insurance for ?
Select the age of all members
- You
Where do you live ?
Choose required Coverage for yourself?
Key Metrics
Go through the key metrics of Star Health Insurance from the table below:
Key Metrics |
Data |
99.10% |
|
Solvency Ratio |
2.14 |
Lives Covered |
17 Crore+ |
Network Hospital |
14,000+ |
Launch Year |
2006 |
* Claim settlement ratio is the metric used to evaluate the insurance company on the basis of claims settled by them. The percentage of claims received and from that how much claim is settled is calculated and then the claim settlement ratio comes out. If the company has a claim settlement ratio greater than 85% then it is considered good to go for an insurance policy.
* Solvency ratio is used to calculate the financial stability of the company. It is used to measure whether the company is capable of paying its long-term debt or not.
Star Health Insurance Plan List
- Individual (19)
- Family (16)
- Woman (24)
- Senior Citizen (17)
- Parents (9)
- Blood Pressure (24)
- Kids (9)
- Thyroid (24)
- Diabetes (24)
- Heart (4)
- Maternity (6)
- Cancer (2)
Family Health Optima
Cover
3 Lakh
Cashless Hospital
13476
Starting From ₹ 1,067/month*
Comprehensive Individual
Cover
5 Lakh
Cashless Hospital
13476
Starting From ₹ 655/month*
Comprehensive Floater
Cover
5 Lakh
Cashless Hospital
13476
Starting From ₹ 973/month*
Eligibility To Purchase a Star Health Insurance Plan
There are certain eligibility criteria that should be fulfilled by the customers to get insurance from Star Health Insurance and they are:
Medical History
You Have to disclose your medical history at the time of purchase. You have to give information about your health history, diseases and illness in the proposal form.
Age
An individual above the age of 18 years old to the age of 65 years old can purchase health insurance.
Star Health Insurance Top Up List
- Family (1)
- Individual (1)
Name of Plan | Sum Insured | |
Super SurplusMin: 91 Days; Max: 65 Years | 5 Lakh | Check Premium |
Star Hospital Cash Insurance PolicyMin: 91 days; Max: 65 years | Check Premium |
Top Plans Offered by Star Health Insurance
The top plans by Star Health Insurance Company are tabulated below:
Star Health Insurance Plans |
Plan Type |
Sum Insured |
Suitable For |
Individual and Family Floaters |
Rs. 5 Lakh to Rs.1 Crore |
Family |
|
Individual and Family Floaters |
Rs.5 Lakh to Rs. 1 Crore |
Family |
|
Individual and Family Floaters |
Rs. 1 Lakh to Rs. 25 Lakh |
Family |
|
Individual and Family |
Rs. 1 Lakh To Rs.25 Lakh |
family |
Riders Offered By Star Health Insurance
Riders provided by the Star Health Insurance are:
- Enhanced Room Rent: This rider will increase your room rent limit and you can avail the benefit of a better room at the time of hospitalisation.
- Hospital Daily Cash: Star Health Insurance provides daily cash benefits to its customers. A certain fixed amount of cash will be given for a fixed period to bear the daily expenses during hospitalisation.
- Maternity Coverage: In this rider coverage related to maternity expenses gets covered. From the delivery of newborns to all the medical expenses that are required at the time of hospitalisation gets covered.
- Buy Back Pre-Existing Diseases: Under this rider pre-existing diseases waiting period gets reduced from 36 months to 12 months. This will help customers to wait only for 1 year after buying health insurance to claim for medical expenses related to pre-existing diseases.
- Critical Illness Coverage: The company offers critical illness coverage to the insured person. You just have to pay an extra premium and you will get coverage for critical illness treatment.
How To Purchase Star Health Insurance Policy?
There are two ways through which you can purchase the Star Health Insurance policy, one is online and another is through agents.
Purchase Star Health Insurance Policy via the Insurer’s Website
Please follow the given below process for purchasing Star Health Insurance from its official website:
Step 1: Visit the Star Health Insurance Website
On your search engine open the Star Health Insurance website and visit the health insurance section.
Step 2: Click on “Buy Now”
Click on the “Buy Now” on the top right corner.
Step 3: Enter the required information
Enter the requested information such as your name, phone number, email address and city PIN code.
Step 4: Select your plan and pay
Select your plan according to your needs and requirements and pay the premium online.
Step 5: Policy Document
You will receive your policy document at your registered email address.
Documents Required for Purchasing Your Policy
- Copy of the Proposal Form and OTP Verification
- Medical Reports
- Address Proof (Aadhaar Card, Passport, Driving Licence, Electricity Bill, Telephone Bill, Voter ID).
- Proof of age (10th or 12th Mark Sheet, Voter’s ID, Passport, PAN Card, Driving Licence)
- Passport-size Photographs
How to Claim Your Health Insurance?
Star Health Insurance gives claims to its customers for both network and non-network hospitals. For network hospitals, you have to initiate your claim by filling up the Pre-Authorisation form at the network hospital. After verification, you will get cashless treatment at network hospitals. For the non-network hospitals, you have to pay the bill for your treatment and then submit the claim form along with hospital bills and other documents. After all document verification, the bill amount will be reimbursed to your bank account.
Awards and Achievements of Star Health Insurance
- Awarded the Best Social Media Customer Care in the Financial Services Category by Konnect Insights at WeKonnect 2023.
- Felicitated with “Digital Innovation of the Year (Health Insurance)" award at the BFSI Innovation Confex & Awards 2023.
- Awarded the 'e4m Pride of India – The Best of Bharat Awards 2022' by the editorial board of Exchange for media and Impact at the Pride of India Conference & Awards.
- Best Health Insurance Provider of the year - Business Today, Money Today Financial Awards 2018-2019.
Star Health Insurance - Customer Service & Support
To connect with Star Health customer service and support team you can:
Chat with “Twinkle” -Star Health Insurance virtual assistant.
Call on - 1800 425 2255
Email at- support@starhealth.in
Text “Hi” on WhatsApp no - 95976 52225
You can also connect with InsuranceDekho's Customer Support Team by sending an email to support@insurancedekho.com or by calling +91-755 1196 989.
Complaints & Grievance Redressal
Star Health has a well-settled grievance cell which will help you in addressing your concerns. You can contact them with the following information:
Call at Star Health Sales & Services 044 6900 6900.
Write at-
S Chandrabose
Grievance Redressal Officer,
Corporate Grievance Department,
4th Floor, Balaji Complex, No. 15, Whites Lane,
Whites Road, Royapettah, Chennai- 600014
(Landmark: In the lane next to Satyam Theatre Parking Area)
Direct: 044-4366 4600
Senior Citizens - 044- 6900 7500
Mail ID:- gro@starhealth.in
grievances@starhealth.in
FAQs
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Why should I buy a Star Health insurance plan?
The health insurance policy by Star Health safeguards you and your family for any financial crisis that may arise due to a medical emergency. Purchasing a proper health plan can assist you in saving your hard-earned money and other assets.
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How many claims can I make in a year?
You can make any number of claims over the year. But, the number of claims should not exceed the limit of the sum insured.
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How many network hospitals are covered under Star Health?
There are more than 9,800 top-quality network hospitals covered under Star Health.
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Is medical check-up required to buy a Star Health Insurance Policy?
Yes, the medical check-up is required to buy a Star Health Insurance Policy. But it is applicable only for the people of above 50 years.