Star Health Insurance FAQs

The policy term for autism plan is 1 year.

Co-payment of 20% for each and every claim made for new as well as renewal policies is available under the plan.

Any child who is aged between 3 years and 25 years and has autism is eligible for this policy.

A pre-acceptance medical check-up is not necessary for the purchase of autism plan; however, past medical records need to be submitted.

The policy is available for a sum insured of Rs. 3 Lakh only.

The eligibility criteria for cancer plans by Star Health Insurance is 5 months to 65 years old.

Yes, Star Health Cancer Care offers cashless claims to its policyholders in all their network hospitals. All cancer-related treatments are covered under cashless claims.

The cancer care policy offered by Star Health excludes any treatments or diagnostics that are not related to the current diagnosis and treatments.

Yes, Star Health Insurance covers expenses related to chemotherapy and radiation for cancer treatments.

The sum insured options under the cardiac plan are Rs. 3,00,000 and Rs. 4,00,000.

Yes, the insured is eligible for tax benefits under Section 80D of the Income Tax Act in respect of the premium paid by any mode other than cash.

Yes, the cardiac plan of Star Health comes with Personal Accident Death Cover under both, Gold and Silver plans.

Star Health settles the cashless claims within 24 hours of the insured filing for it and 15 days for a reimbursement claim.

Yes, you can track the status of your claim on the official website of Star Health Insurance. A few steps have to be taken to check the status of the claim made.

The documents required for cashless and reimbursement claims can vary. However, the documents required for both reimbursement and cashless claims are a health card, discharge summary, pharmacy invoice with prescription, doctor’s consultation sheets, investigation reports, KYC documents, medico-legal certificate, and FIR copy in the case of an accident case, etc.

The InsuranceDekho advisor helps the customer sort out any problems faced during the rejection or denial of a claim made.

Star Health Insurance has a policy specifically for critical illness, Star Critical Illness Multipay Insurance Policy. This plan covers critical illness in 4 groups offering coverage to 37 illnesses.

The age restrictions for purchasing a Star Health Insurance Policy are 18 years to 65 years. People within this age group are eligible to purchase a Star Health Insurance policy for Critical Illness.

Yes, a policyholder has the benefit of reducing the waiting period for critical illness by paying extra premiums under Star Health Insurance.

Yes, Star Health Insurance offers family members coverage of critical illnesses under their family floater-based plans.

There is an eligibility criterion for a diabetes plan under Star Health Insurance. The criteria are 18 years to 65 years of age.

Star Health offers a Diabetes Safe Insurance Policy, a specific plan designed for people with a history of diabetes. This is highly beneficial for people suffering from diabetes.

Star Health Insurance has a 1-4 year waiting period for any pre-existing diseases. However, the customer gets coverage for diabetes from Day 1 after buying a policy.

Yes, The policyholder will get coverage for insulin and other medication under Star Health’s Diabetes-related insurance plans.

Yes, some plans for the family by Star Health do provide coverage for dental and ophthalmic treatment.

Yes, Star Health does provide 100% restoration benefit to its policyholders under some health insurance plans.

Yes, Star Health offers lifetime renewal for such policies.

Some health insurance plans offered by Star Health for a family are- Star Family Delite Insurance Policy, Star Care Micro Insurance Policy, Family Health Optima Insurance Plan, Star Comprehensive Insurance Policy, and Star Health Gain Insurance Policy.

Every family that wants to get themselves insured at an affordable premium rate should buy Star Health family health insurance plan by the name Comprehensive Insurance Policy. The policy provides cover for self, spouse as well as dependent children up to the age of 25 years.

If you want to make any sum insured change in your Star Health family health insurance policy, the right time would be policy renewal and not policy tenure as the health insurance company does not allow any changes during the policy period.

Buying a Star Health family health insurance policy will grant you with multiple benefits like comprehensive coverage, sum insured options up to Rs. 25 Lakh, cashless facility at more than 9,900 network hospitals, no sub-limits or capping, lifelong renewal of the policy, automatic restoration of the sum insured, free health checkup for every 3 claim-free years, 15 days free look period, no medical screening required below 50 years, etc.

The coverage offered under Star Health family health insurance includes pre & post hospitalization, hospital cash benefit, 405 daycare procedures, dental/ophthalmic cover on OPD basis, air ambulance cover, pre-existing diseases, maternity & newborn baby cover, expenses incurred on the bariatric surgical procedure and many more.

Yes! As per Section 80D of the Income Tax Act, 1961, a Star Health family health insurance policyholder is eligible for tax benefits for the policy premium paid.

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.

A complete body health checkup, especially for people who are 50 years and above in age, is required prior to issuance of any medical policy at Star Health Insurance.

The two basic eligibility criteria for getting the insurance policy are entry age and medical check-up.

The toll-free customer care number of Star Health Insurance is 1800-425-2255 / 1800-102-4477. Other than the toll-free number, our experts can be contacted at (044) - 2853 2060 / 2853 2030.

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.

A health card is a card that policyholders receive on buying a health plan. It is like an identity card which allows you to seek cashless hospitalisation at the time of a medical emergency at a network hospital. A health card has the contact details and the contact numbers of the TPA. The insured members need to show this card at the time of admission to avail the benefits of the cashless health plan.

There are more than 9,800 top-quality network hospitals covered under Star Health.

You can make any number of claims over the year. But, the number of claims should not exceed the limit of the sum insured.

Star Health Insurance has a Claim Settlement Ratio (CSR) of 90% and Incurred Claims Ratio (ICR) of 63% for the Financial Year 2018-19.

You can check the status of your Star Health insurance policy by visiting the official website of Star Health Insurance. Alternatively, you can call on Star Health Toll-Free number 1800-425-2255 / 1800-102-4477 or visit your nearest branch of Star Health Insurance.

It provides various types of policies like Corona Rakshak Policy, Corona Kavach Policy, Arogya Sanjeevani Policy, Family Delite, Star Care Micro Insurance, Criticare Plus, Family Health Optima, Cancer Care Gold, Medi Classic Insurance Policy, Star Health Gain, Special Care, Cardiac Care, Diabetes Safe and Senior Citizens Red Carpet.

You can contact Star Health Insurance at their toll-free number 1800 425 2255 / 1800-102-4477 for a 24x7 assistance.

To download the payment receipt, visit Star Health Insurance's official website, and enter the required details to simply download it.

The definition of the best plan varies as per the policyholder's requirements. However, customers foremost prefer Star Comprehensive Plan as it offers wide coverage at nominal premium rates. Additionally, under this policy, financial assistance is extended to the policy holder at the time of a medical emergency. Besides, the plan also offers coverage to the whole family under an individual sum insured.

The waiting period for pre-existing diseases is 4 years or 48 months under the Star Health insurance plan.

With the assistance of InsuranceDekho, you can compare different isurance polices and choose a plan that offers best coverage and is within your budget.

To buy a Star Health insurance plan you are required to fill the policy form alongside the following original documents that needs to be submitted- Identity Proof, Age Proof, Income proof, Address proof and Medical reports.

InsuranceDekho provides you easy ways to buy Star Health Insurance Policy. These are:

• Online: On the online mode, the policy is generated instantly along with the card and kit. However, this feature is mostly applicable for the cases, where there is no requirement of medical checkup or underwriting.
• Telephone - You can also contact the customer care executives at InsuranceDekho on the toll-free number 7551196989 and get all the details of the plan.

With the assistance of InsuranceDekho, you can compare different isurance polices and choose a plan that offers best coverage and is within your budget.

To buy a Star Health insurance plan you are required to fill the policy form alongside the following original documents that needs to be submitted- Identity Proof, Age Proof, Income proof, Address proof and Medical reports.

Some of the health insurance plans offered by Star Health for individuals are-Star Health Gain Insurance Policy and Medi-Classic insurance Policy.

Star Health provides individual health insurance for sum insured options ranging from Rs. 1 Lakh to Rs. 15 Lakh.

Yes, automatic restoration benefit is provided by Star Health under almost all such policies by up to 200%.

The premium for individual health insurance plans starts from Rs. 2,510 for the lowest sum insured option of Rs. 1 Lakh for an individual aged between 5 months to 35 years. The premium varies on the basis of various factors such as zone, age, location, policy renewal, etc. and can be as high as Rs. 1,97,677.

Star Health’s Medi-Classic Insurance policy is the perfect individual health insurance policy option for people looking forward to insuring themselves against multiple hospitalization expenses due to an injury, accident, disease or illness. If your family has already been covered under an insurance policy and you want a plan to cover just you, Medi-Classic Insurance Policy would be a must buy.

No, unfortunately you cannot make any changes during the policy tenure of your Star Health individual health insurance because the insurer does not permit the same. The ideal time to introduce sum insured changes would be policy renewal time.

Star Health individual health insurance policy Medi-Classic Insurance Policy comes with numerous benefits. The key advantages are sum insured range up to Rs. 15 Lakh, lifelong renewal, cashless facility at 9,900+ network hospitals, 5% NCB for every claim-free year, automatic restoration of sum insured, 5% discount on premium if paid in advance, policy available for HIV persons as well, reasonable premium rate, tax benefits and many more.

Star Health individual health insurance plan Medi-Classic Insurance Policy provides cover for an inpatient hospitalization, 30 days pre & 60 days post hospitalization, 101-day care procedures, non-allopathic treatment, pre-existing diseases after 48 months waiting period, emergency ambulance expenses, hospital cash and patient care cover (optional) and other expenses.

Yes! Under Star Health individual health insurance policy, a policyholder can avail tax benefits as per Section 80D of the Income Tax Act, 1961 for the policy premium paid.

Yes, Star Health provides you all a cover under a single health insurance policy as your plan is in force across the India.

Yes, Star Health offers a unique health insurance policy by the name of Star Special Care that is specially designed for children diagnosed with Autism Spectrum Disorder.

Yes, you can purchase a health insurance plan for your daughter who is studying in India.

Star Health kids health insurance policy Micro Insurance Policy is specifically designed for kids and their parents. So, if you are a parent who wants to cover their kids insured under a single sum insured, you should buy Star Health kids health insurance.

No, if you want to change the sum insured during the policy tenure of your Star Health kids health insurance policy, you will not be allowed to do so by the insurer. The ideal time to change sum insured would be the policy renewal time.

One of the key advantages of the Star Health kids health insurance policy is that it covers the kids if they are at least 2 years of age. In other words, parents can get their kids insured in the same policy if they are more than 2 years old. Other than the same, the prime benefits of the plan include no need for pre-acceptance medical screening, portability feature, free look period of 15 days, facility of maintaining health records in electronic form, and more.

Star Health kids health insurance policy, Micro Insurance Policy provides cover for 30 days pre & 60 days post hospitalization, hospital cash benefit in case of a Government hospital, room & boarding costs, nursing expenses, ICU charges, pre-existing diseases after 48 months waiting period, emergency ambulance charges, 405 day care treatments, etc.

Yes! Star Health kids health insurance policy offers tax benefits under Section 80D of the Income Tax Act for the policy premium paid.

The waiting period for maternity coverage to become effective under Star Health Insurance is 24 months.

Yes, you can purchase maternity health insurance while pregnant, however, the coverage will only be provided once the waiting period is over.

Yes, prenatal check-ups, delivery, and postnatal care are covered by Star Health’s maternity insurance.

Yes, newborn baby expenses are covered under the Star Health Insurance plan up to the limit mentioned in the policy.

Yes, Star Health Insurance covers both normal and caesarean deliveries under their maternity plans.

Yes, your parents can be covered under the Senior Citizens Red Carpet Health Insurance Policy if they are aged between 60 years to 75 years.

The parents-centric health insurance plan by Star Health is issued on both- individual and family floater basis.

Some of the benefits are:

• In-patient hospitalisation cover
• Free claim assistance
• Cover for pre-existing diseases
• Higher sum insured covered of up to Rs. 25 Lakh.
• Dedicated customer support team to solve your queries

Star Health parents health insurance policy is a must purchase for people up to 65 years of age to get optimum coverage for medical expenses incurred in case of an unexpected medical emergency situation.

Unfortunately, no! You cannot change the sum insured during the policy tenure of your Star Health parents health insurance, however, you can do so at the time of renewal as the health insurance company allows changes during that period.

Wide coverage, no need for pre acceptance medical screening, cashless facility at more than 9,900 network hospitals, lifetime policy renewal, hassle-free claim settlement process, free look period of 15 days, tax benefits are some of the major advantages of the Star Health parents health insurance plan.

Star Health parents health insurance policy offers cover for 30 days pre & 60 days post hospitalization, drugs and medicine expenses, 405 day care treatments, hospital cash benefit in case of a Government hospital, emergency ambulance charges, room & boarding costs, nursing expenses, ICU charges, pre-existing diseases after 48 months waiting period, and many more expenses.

Yes! Star Health parents health insurance policy offers tax deductions under Section 80D of the Income Tax Act, 1961 for the policy premium paid by the policyholder.

Star Health offers individual, family floater, group, senior citizen, and maternity plans under their health insurance plans.

Yes, Star Health Insurance provides a discount during the renewal of the policy to physically fit people under their wellness program.

Yes, Star Health Provides a premium discount to physically fit people but only during the time of renewal.

Yes, Star Health Insurance covers ayurvedic and homoeopathic treatments under their AYUSH treatment.

The premium can be paid on a quarterly or half-yearly basis under Star Health Insurance.

Here are the documents needed for portability in Star Health:

• Plan’s proposal form
• Portability form
• Copy of expiring health insurance policy
• Copy of renewal notice

Star Health Insurance Policies can be ported towards renewal. You must inform the insurer at east 45 days in advance from the date of renewal.

To find details about portability in Star Health Insurance Policies, you can drop an e-mail on portability@starhealth.in or get in touch with the customer acre executives at InsuranceDekho on 7551196989.

You should inform Star Health insurance at least 45 days prior, however no sooner than 60 days from the premium renewal date of the current policy if you wish to port your policy to some other insurance company.

The premiums depend on the type of plans you may purchase. It also depends on the age, pre-existing conditions, etc.

No, the premium on Star Health Insurance policies can only be paid quarterly or half-yearly. Monthly payment of premiums is not accepted.

The premium of the Star Health Insurance plan may differ according to age, pre-existing conditions, add-ons, etc. It also depends upon the type of plan you may purchase.

Yes, you can choose a higher deductible to lower your premium under Star Health Insurance. However, you should only opt for this option when you do not have any serious illness or any medical issues.

Yes, while renewing your current policy you can make changes in your policy under Star Health Insurance.

Yes, you can renew your Star Health Insurance plan before the expiration date for continued medical coverage.

Yes, you can renew your Star Health Insurance plan before the expiration date for continued medical coverage.

Yes, you can adjust your sum insured amount during the time of renewal if you either deduct or add to the current policy.

Yes, a policyholder can renew their policy after expiration but only during the grace period.

The sum insured options for health insurance plans provided by Star Health for senior citizens are-Rs. 1 Lakh, Rs. 2 Lakh, Rs. 3 Lakh, Rs. 4 Lakh, Rs. 5 Lakh, Rs. 7.5 Lakh, Rs. 10 Lakh, Rs. 15 Lakh, Rs. 20 Lakh, and Rs. 25 Lakh.

The health insurance plans for senior citizens are available for terms of 1 year, 2 years and 3 years.

Yes, the health insurance plans for senior citizens provided by Star Health cover pre-existing diseases from the second year onwards.

Yes, senior citizen plans by Star Health provides coverage for medical consultations as an outpatient in a network hospital.

Star Health Senior Citizen Red Carpet Health Insurance Plan is the optimum plan for people aged over 65 years. This policy is available with a tenure of 1,2 or 3 years and can be renewed further.

Senior citizens aged between 60 years up to 75 years should buy Star Health senior citizen health insurance plan Red Carpet. A complete health insurance package for senior citizens, Red Carpet provides financial security against medical expenses incurred due to illness, sickness, ailment, disease, accident or injury.

No, you cannot make any change to your Star Health senior citizen health insurance policy during the policy period or policy tenure because the insurer will not allow you to do so until it is policy renewal time. So, it would be best to make sum insured changes during policy renewal time.

Star Health senior citizen health insurance plan Red Carpet offers various benefits like lifelong renewal, cashless treatment facility at 9,900+ network hospitals, no need for pre-acceptance screening, 15 days free look period, cover for pre-existing diseases from the second policy year, low premium cost and many others.

Star Health senior citizen health insurance policy Red Carpet provides cover for inpatient hospitalization expenses, pre & post hospitalization expenses, daycare procedures, emergency ambulance expenses, health check-up expenses covered up to a certain limit, OPD consultation charges covered up to a certain limit, pre-existing diseases covered from second policy year, and others.

Yes! Star Health senior citizen health insurance policy provides tax deductions under Section 80D of the Income Tax Act, 1961 for the premium paid towards the policy.

The maximum limit on the amount that a policyholder can claim for tax deduction is Rs 25,000 for an individual and their family members and Rs. 50,000 for senior citizens.

No, tax benefits can only be claimed annually on the Star Health Insurance premiums.

The tax benefits can only be claimed by Indian residents. NRI’s ( Non-Resident Indians) are not given this benefit under any Health Insurance.

Yes, a policyholder can claim tax benefits for Star Health Insurance premiums paid through a Health Savings Account (HSA).

Yes, you can purchase a top-up if you have a base policy for extra coverage under Star Health Insurance.

Yes, you can claim pre-existing conditions under the Star Super Surplus Silver plan. Pre-existing diseases have a waiting period of 36 months and specific treatments have a waiting period of 24 months.

When the amount exceeds both the base plan and top-up plan then the policyholder is expected to pay the remaining amount out of pocket.

Yes, Star Health Insurance covers hospitalisation expenses outside India, however, there are certain terms and conditions applied to this benefit.

Yes, a policyholder can add riders to their Star Health top-up plan according to their specific needs.

Everyone proposed for health insurance in Star Health over 50 years of age are to undergo Pre-acceptance medical screening. It should be undertaken at the company nominated centers. Star Health will reimburse the cost of such screening if your policy proposal gets accepted.

Yes. In some of the women-centric health insurance plans provided by Star Health, there is a co-pay clause.

Star Health provides the following benefits under its women-centric health insurance plan:

• Cover for maternity for normal and cesarean delivery are covered.
• Expenses related to bariatric surgery are covered.
• The newborn baby cover is provided.
• Cover for over 400-day care procedures is provided.
• The hospital cash benefit is included.
• 100% increase in sum insured.
• Pre and post hospitalisation expenses are covered.

Every woman who wishes to secure her health, as well as her savings in times of an unexpected medical emergency situation, should buy a Star Health woman health insurance plan and welcome financial stability. Women below 65 years of age can buy the plan to cover themselves as well as their family members.

If you want to change the sum insured amount of your Star Health woman health insurance policy, it is advisable to do so at the time of policy renewal. Remember, health insurance companies do not allow making any changes to the sum insured during the policy period.

When you buy Star Health woman health insurance plan, you gain extensive coverage, maternity & newborn baby expenses, sum insured options up to Rs. 25 Lakh, cashless facility at network hospitals, no sub limits or capping, automatic restoration of sum insured, free health checkup for every 3 claim free years, 15 days free look period, no medical screening required below 50 years, lifelong renewal of policy, etc.

Star Health woman health insurance provides cover for maternity benefits along with newborn baby cover, vaccination expenses for newborn baby, expenses for bariatric surgery, pre & post hospitalization, hospital cash benefit, 400 daycare procedures, air ambulance cover, pre-existing diseases, outpatient medical charges, and more charges.

Yes! According to the Section 80D of the Income Tax Act, 1961, Star Health woman health insurance provides tax benefits to the policyholder for the policy premium paid.