Star Health Insurance Renewal

The renewal premium amount for your selected health insurance plan may increase due to various factors, including:

• Age: One of the key factors in determining the premium amount is the policyholder's age. People getting older have a higher risk of developing health issues or suffering critical illness in comparison to younger people. As a result, the premium for old age people is higher than for people below 40s and 50s.
• Claims History: The insurer tracks the number of claims made by the insured individual during the last policy tenure. If there is no claim, there is a high chance you may get a special discount. But, for the policyholders who have made frequent claims, you may have a higher renewal premium. Since multiple claims are generally a sign of increased risk.
• Policy Changes: If the policyholder wants to make a few changes to the existing policy, i.e., add new features or riders, there is a high chance they will notice an increase in the premium.
• Inflation: Rising costs of healthcare services, advanced treatment, introduction of new technologies, etc., can cause inflation in the healthcare industry, increasing the renewal premium amount.

Discover how Star Health & Allied Insurance Co. Ltd. notifies its policyholders about the policy renewal date. Also, explore different ways to check the date of renewal for your health insurance policy.

How to Check the Renewal Date?

Use the below-mentioned methods to check the renewal date of your Star Health insurance policy on your own:

• Check Policy: Simply go to your registered email account and refer to the policy document provided by the insurance company. The original policy document must have mentioned the expiry date, also referred to as your renewal date.
• Check Website: Check your renewal date from the policy details available on the Star Health Insurance website or InsuranceDekho online portal. You can even log in to the mobile app versions of Star Health and track the renewal date.
• Connect with Customer Care: Call 044 6900 6900 to inquire or gain assistance from Star Health's support team about the renewal date. You can even coordinate with InsuranceDekho's advisors for renewal date updates. A few details will be required by the support team, including your name and policy number, to provide adequate insights and status updates.

NOTE: Even if a customer forgets to renew their existing policy by the set expiry date, they have the option to renew it within the provided grace period.

*The Grace period is the additional timeframe provided by the insurer to renew plans before losing coverage benefits. Once your policy lapses and you miss out on renewing it within the grace period, you may have to bear consequences and incur heavy fines

Reminder Options

Star Health & Allied Insurance Co. Ltd. uses the following methods to keep their policyholders updated about their policy renewal date:

• InsuranceDekho Reminder: InsuranceDekho's support team uses email and WhatsApp to connect with their customers and remind them of Star health policy renewal date.
• Email or SMS by The Insurer: Star Health & Allied Insurance Co. Ltd sends timely renewal reminders to their policyholders via email or SMS

Non-renewal of Star Health Insurance policy can lead to potential risks and consequences that a policyholder might have to undergo, such as:

• Late Payment Penalty: Delay in the renewal process can lead to penalties for late payments. This will eventually raise the renewal cost.
• Loss of Health Coverage: Customers can lose all the coverage benefits and financial support if the policy lapses without renewal. Non-renewal of Star Health Insurance policy can jeopardize your financial security until the policy is reinstated
• Waiting Period Reset: You forfeit the advantages of the waiting period you have already completed when you forego insurance renewal. Eventually, it will cause delays in getting coverage for specific medical conditions.
• Reapplying Processes: One of the big disadvantages of policy lapse without renewal is you need to undergo the whole process of buying policy again. Re-application can be time-consuming and demands medical screening in certain cases. Also, your premium rates might change based on your health status.
• Risk of Pre-existing Condition Exclusion: The chance of future pre-existing condition exclusions increases if you choose not to renew your Star Health Insurance policy before the expiry date or within the grace period.
• Financial Risks: Policyholders can face a major financial issue due to the non-renewal of Star health policy. Medical treatments are quite expensive and making payments out of your own pocket can cause financial instability and other issues.
• Uncovered Medical Expenses: Without an insurance policy in hand, you might have to bear the entire medical treatment expense and hospitalization fees on your own, which may lead to financial strain.
• Emergency Situations: Medical emergencies can happen anytime and without financial support from an insurance company bearing the medical expenses could lead to significant financial hardship.

Take into account the following factors when applying for the Star Health Insurance Renewal process:

• Last Date: If you miss renewing your policy on the set expiry date and take a bit longer, there can be a gap resulting in no claims or reimbursements for that certain period. Hence, policyholders must try to renew their existing policy before the set date to avoid any lapses in coverage.
• Grace Period: The grace period for Star Health Insurance is 30 days, but 7 days if you pay the premium in installments.This period provides a second chance to renew and avoid losing benefits. Also, you do not need to go through the fresh underwriting process if you renew during the grace period.
• Waiting Period: Evaluate your waiting period - both initial and those pertaining to pre-existing conditions - during the renewal process in order to ensure that it covers certain illnesses or treatments.
• Policy Details Verification: Go through your policy details, inclusions, exclusions, and sum insured for the selected Star Health Insurance plan. Make sure the coverage fits your current needs for healthcare. Also, stay informed about any policy changes or updates in terms and conditions.
• Renewal Confirmation: Once you make the payment and complete the renewal process, a confirmation is sent to your registered mobile number or ID via email or SMS. This confirmation acts as proof which is used for future reference. Go through the renewed policy document and ensure there are no discrepancies.
• Policy Download: With the confirmation mail, policyholders also receive an electronic copy of their renewed policy document. Download it for future reference and review all details provided in the document, including your policy number, expiry date, coverage, terms, and conditions.
• No Claim Bonus (NCB): Examine how your health insurance policy is affected by the No Claim Bonus and make use of it to improve your current coverage plan at no extra cost.

Documents Required For the Renewal of Star Health Insurance

A list of documents essential for Star Medical Insurance policy renewal include:

• Submitting the policy renewal form with your signature
• Attaching your previous policy documents
• Providing PAN card, Voter's ID, or Aadhaar card documents for identity proof
• Providing utility bill or Rental Agreement as address proof document
• Medical Health Test Reports must be attached to the form
• Claim history, if any
• Income proof for policies with a high sum insured can be required (in some cases)

Star Health & Allied Insurance Co. Ltd. supports a wide range of payment options, including Debit/Credit card, EMI (Equated Monthly Installments), and Digital Payment Applications. Policyholders can choose from the following payment methods to complete the renewal process and continue leveraging coverage benefits without any interruption.

Policyholders have the option to choose between online and offline methods to renew their Star health insurance plan. Here are the steps one must follow for quick policy renewal.

Online Procedure

Customers can either directly visit the insurer's online portal or renew their policy via InsuranceDekho using these steps.

Online Procedure of Star Health Policy Renewal with InsuranceDekho

• Step 1: Go to the InsuranceDekho's official portal (www.insurancedekho.com)
• Step 2: On the top of the page, press on the "Support" tab and choose "Renewal policy" from the list of options available.
• Step 3: Fill in your mobile number and request for "OTP verification"
• Step 4: Once you log in to your account, you can easily access the policy details of your Star Health Insurance plan.
• Step 5: Click the "renew" button to continue with the process of policy renewal
• Step 6: Make the payment and complete the renewal process.
• Step 7: After the final payment, a confirmation mail with renewed policy details will be sent to your registered mail.

Online Procedure of Star Health Policy Renewal via the Official Site

• Step 1: Browser www.starhealth.in and log in to your account with your registered mobile number.
• Step 2: On the top of the page, go to the "Customer" tab and click the "renew" option from the list.
• Step 3: You will be redirected to a new page requesting for your policy number and DOB details. After filling in the details, click on the "Submit" button.
• Step 4: You can check your policy details here. If you are satisfied, click the "Renew" button on your screen.
• Step 5: As you make the final payment, you will receive policy renewal confirmation mail on your registered mail ID.

Offline Procedure

Opt from the below-mentioned offline methods to renew your existing Star Health Insurance plan.

• InsuranceDekho Relationship Manager: Get personalized home assistance with InsuranceDekho's Relationship Manager by dropping a mail request.
• Insurer's Branch Office: Call 1800 102 4477 or make a visit to the nearest branch office for the renewal process.

Few things to keep in mind when proceeding with Star Health Insurance policy renewal:

• Eligibility: Your grace period for Star Health Insurance is generally 30 days, however, if you choose to pay your premium amount in installments, the grace period provided will be reduced to 7 days.
• Condition: No claims for medical expenses will be covered till your policy is renewed within the grace period. Policyholders will need to pay for their medical expenses out-of-their-pocket and no reimbursement will be provided if there is a gap between the expiry date and the renewal period.
  Example: Let us say, your policy expires on 2 January, your grace period will be automatically set to 1 February. If you renew your policy within the grace period, i.e., by 15 January, you will get no claims or reimbursement for the period between 2 January to 14 January from the insurer.
• Premium: Until you have upgraded your policy or notice changes in the age slab, the renewal premium for your policy will remain the same.
• Renewal Process: Follow the above-mentioned steps to comprehend the renewal procedure for Star Health Insurance policy coverage.

Star Health Insurance policy renewal process can be easily completed by following the above-mentioned simple steps. However, if a customer faces challenges or has concerns, they can reach out to Star Health's customer support team using the following options.

Contact Star Health Insurance

• Call 1800 425 2255 to buy a Star Health policy or get quick assistance
• For renewal, reach out to the support team executive on 1800 102 4477
• Customers can even contact via WhatsApp by sending a "hi with their concerns" on +91 95976 52225
• Write an email to the support team at support@starhealth.in with your registered mail ID

Contact InsuranceDekho

InsuranceDekho's support team is also available full-time to review customers’ concerns and queries related to policy renewal. You can grab more information on your policy using the following channels:

• Write an email to support@insurancedekho.com
• Dial 755 1196 989 (InsuranceDekho's helpline number) to discuss your concern and speak with a support representative for a faster solution.