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Star Health Insurance

Indian health insurance market is flooded with a large number of health insurers who always try to offer quality services. When it comes to providing adequate coverage, Star Health Insurance, offered by Star Health and Allied Insurance Company Ltd., is one of the most trusted names to consider. It also claims to be India’s first standalone health insurance company. Let’s have a glance at what makes it one of the top health insurance providers in the market.

Star Health and Allied Insurance Company: Overview

Initiated in the year 2006, Star health Insurance joined the insurance race with limited categories including Health Insurance, Overseas Mediclaim Policy and Personal Accident cover. Today, the company is being counted among one of the top insurance providers.

Comparison Table for Star Health Insurance Plans:

Star Health Insurance Plans Minimum Age at Entry Maximum age at Entry Minimum Sum Assured Maximum Sum Assured Policy Term Waiting Period
Star Family Health Optima Insurance 18 years 65 years Rs. 3 Lakh Rs. 25 Lakh 1 year N/A
Star Senior Citizens Red Carpet Insurance 60 years 75 years Rs. 1 Lakh Rs. 10 Lakh 1 Year 12 Months
Star Comprehensive Health Insurance 18 years 65 years Rs. 5 Lakh Rs. 25 Lakh 1 year N/A
Star MediClassic Health Insurance 5 months 65 years Rs. 1.5 Lakh Rs. 10 Lakh 1 year N/A
Star Health Gain Insurance 5 months 65 years Rs. 1 Lakh Rs. 5 Lakh 1 year N/A
Star Super Surplus Insurance Children: 3 Months; Adult: 18 years Children: 25 years; Adult: 65 years Rs. 3 Lakh Rs. 10 Lakh 1 year N/A
Star Unique Health Insurance 18 years 65 years Rs. 1 Lakh Rs. 3 Lakh 2 years 11 months
Star Diabetes Safe Insurance 18 years 65 years Rs. 3 Lakh Rs. 10 Lakh 1 year 30 days (except accidents); to 48 months (pre-existing ailments)
Star Cardiac Care Health Insurance 10 years 65 years Rs. 3 Lakh Rs. 4 Lakh 1 year N/A
Star Micro Health Insurance 5 months 65 years N/A
Star Net Plus Health Insurance No Age Limit No Age Limit Rs. 30,000 Rs. 50,000 N/A N/A
Student Care 3 years (School student); 15 years (College student) 18 years (School Student); 25 years (College Student) Rs. 50,000 (School student); Rs. 75,000 (College Students) Rs. 1 Lakh (School Student); Rs. 2 Lakh (College Student) 25 years
Star Care Health Insurance 18 years (Adults); 2 years (Children) 65 years (Adults); 25 years (children) Rs. 1 Lakh N/A N/A Lifelong
Star Criticare Plus Health Insurance 18 years 65 years Rs. 2 Lakh Rs. 10 Lakh N/A Lifetime
Star Family Delite Health Insurance 5 months 65 years Rs. 2 Lakh Rs. 3 Lakh N/A Lifetime

Star Health Insurance: Plans Offered

Star Health Insurance offers a wide range of coverage through various plans. Let’s have a look:

  • Family Health Optima

    This plan offers optimum coverage to your family. It offers a high sum insured (up to Rs. 10 Lakh) with lifetime renewability.

  • Star Super Surplus Plan

    This is a top-up plan with an affordable premium. This plan is helpful in covering the expenses that are not covered by your regular health insurance.

  • Star Health Insurance Comprehensive Plan

    This Plan is designed for both individuals and family, extending coverage to spouse and dependent children. It offers Sum Assured up to Rs. 25 Lakh.

  • Star Senior Citizens Red Carpet Insurance

    The health plan is designed for senior citizens who have attained an age of 60 years. You don’t have to appear for pre-medical screening under this plan.

  • Star MediClassic Health Insurance

    This is a family health insurance policy, which is extended as a family pack, including mediclaim and health benefits and bonus options.

  • Star Diabetes Safe Insurance

    Diabetes Safe Insurance by Star Health Insurance is especially designed for diabetic patients. The Sum Assured is up to Rs. 10 Lakh.

  • Star Cardiac Care Health Insurance

    This health insurance policy is for heart patients with a Sum Assured up to Rs. 4 Lakh.

  • Star Micro Health Insurance

    This health plan is for those people who reside in rural areas. It provides affordable healthcare solution to its customers.

  • Star Net Plus Health Insurance

    Star Net Plus Health Insurance is a plan for HIV+ patients with Sum Assured up to Rs. 50,000.

Why Star Health Insurance Policy?

The company has been accorded with the title of ‘health insurance company 2017’ by National Awards for Marketing Excellence. The other accolades received by the company include:

  • Most Promising Health Insurance Company at Healthcare Excellence Awards in 2014
  • Claims Service Company of the Year at Indian Insurance Award in 2014.
  • By Hindustan MaRs Survey, 2015, rated as the Best Claim Settlement Process Company.
  • Health Insurance Company of The Year at Indian Insurance Awards, 2015.

The most convincing reasons for considering Star Health Insurance Co. Ltd. as your insurance provider are:

  • In-house claim settlement and no interference of Third Party Administrator (TPA)
  • Immediate claim settlement
  • Can avail cashless services at more than 8200 hospitals across the country.
  • Free medical consultation over its 24×7 toll-free number
  • Digitalised storage of medical records
  • Has more than 340 active branches in India and abroad.

Features of Star Health Insurance

The below features make star health insurance a unique buy:

  • Co-pay: No co-payment has to be paid up to the age of 60. However, between the age 61-65 years, the insured has to bear 20% of each claim due to the risk associated with senior citizens.
  • Life-long Renewability: Star health insurance plans offer lifelong renewability and cover you for your entire life.
  • Pre-existing Illness Cover: After serving a waiting period of 4 years, one can claim for any pre-existing illness.
  • Room Rent: Avail coverage for room rent at 2% of sum insured, maximum up to Rs. 4000 per day.

Star Health Insurance: Plans Offered

Star Health Insurance offers a wide range of health coverage through various plans. Let’s have a look:

Family Health Optima

Family Health Optima plan offers optimum coverage to your family. Here, a single policy offers wide coverage exchange for an affordable annual premium. A person between 18 to 65 years of age can take up this plan with the facility of lifelong renewability beyond the age of 65. Moreover, one can avail free health check-up facility in lieu of not claiming his/her insurance. All daycare benefits are also included in the benefits list.

Star Senior Citizens Red Carpet Plan

  • Entry age: 60 to 75 years
  • Minimum Sum Insured: 5 lakh
  • Maximum Sum Insured: 25 lakh
  • Pre-existing Illness Cover: After 12 months from the date of commencement of the policy
  • Pre & post hospitalisation cover: 30 days prior to hospitalisation; 60 days post hospitalisation

This plan is designed to cater the age group between 60 and 75. The most attractive feature is that no pre-medical check-up is needed to avail this plan. Any claim for pre-existing ailments will be offered after two years from policy commencement. It offers a high sum insured (maximum of Rs. 10 lakh) with lifetime renewability. Also, one can avail 5% discount if the policy is bought online.

Star Super Surplus Plan

  • Entry age: 18 to 65 years
  • Minimum Sum Insured: 5 lakh
  • Maximum Sum Insured: 25 lakh
  • Pre-existing Illness Cover: After 36 months of continuous insurance renewal
  • Pre & post hospitalisation cover: 30 days prior to hospitalisation; 60 days post hospitalisation

This is a top-up plan with an affordable premium offered by star health insurance.  One can take this plan an individual or family floater basis. The minimum eligibility to avail this plan is 18 to 65 years. This plan has two variants, silver and gold. This plan is helpful in covering the expenses that are not covered by your regular health insurance.

Star Health Insurance Comprehensive Plan

  • Eligibility Age: 3 months to 65 years
  • No exit age; lifelong renewability
  • Minimum Sum Insured: 5 lakh
  • Maximum Sum Insured: 25 lakh
  • Pre-existing Illness Cover: After 48 months of continuous insurance renewal
  • Pre & post hospitalisation cover: 30 days prior to hospitalisation; 60 days post hospitalisation

Star Health Insurance Comprehensive Plan is designed for both individuals and family, extending coverage to spouse and dependent children. A person between 18 to 65 can opt for this plan. Dependent children are covered from 3 months to 25 years. You can avail this plan with no cap on room rent and treatment expense. It also offers coverage for around 400-day care procedures and personal accident cover for death and disability with no extra premium. Moreover, the insured can avail 100% increment on the sum assured for not claiming the insurance.

Medi Classic

  • Eligibility Age: 5 months to 65 years
  • Minimum Sum Insured:1.5 lakh
  • Maximum Sum Insured: 15 lakh
  • Pre-existing Illness Cover: After 48 months of continuous insurance renewal
  • Pre & post hospitalisation cover: 30 days prior to hospitalisation; 60 days post hospitalisation

This plan is designed for individuals only and can be taken by any person aged between 5 months to 65 years. The insured can avail 200% auto-restoration facility of the entire sum insured in case the actual sum assured is exhausted. To cover pre-existing diseases, the insured has to serve 48 months of waiting period. Even a person with HIV positive can claim his/her insurance after serving the waiting period. 101 daycare procedures are covered. Moreover, for every claim-free year, the insured will be offered 5% no claim bonus.

CombiPlans offered by Star Health and Allied Insurance Company

Star Health and Allied Insurance offers the below CombiPlans in collaboration with India First Life Insurance:

  • Star First Care
  • Star First Classic
  • Star First Delite
  • Star First Optima
  • Star First Comprehensive
  • Health Insurance for Corporate

How to Apply for a Star Health Insurance

You can apply for star health insurance by two means-

  • By physically visiting the insurer’s office
  • Buying online

Because of busy and hectic lifestyle, it is way more convenient to buy a health insurance plan online. Moreover, online health insurance offers the facility of online comparison of various plans. Through online insurance calculator, one can judge the plans based on some parameters, such as coverage offered, features, claim settlement ratio, premium etc. Moreover, it helps in knowing the premium to be paid before choosing a plan. Let’s say, you want to buy star health insurance. By using star health insurance premium calculator, the premium you are going to pay by opting for a particular health plan from Star Health.

Star Health Insurance Premium Calculator

When buying a plan, premium is one the most important factors to consider while buying a health plan. Star Health and Allied Insurance Company assists you in knowing the premium beforehand. With the help of Star Health Insurance Premium Calculator, you can calculate the premium of various health plans offered by the company. This is the easiest and the most convenient way of buying a plan that suits your needs and wallet as well. By providing some information, you can find out a suitable plan with the help of a premium calculator.

Star Health Insurance Online Comparison

You might be thinking why there is such fuss around online comparison of insurance plans.

The reason, it offers competitive deals and a range of top alternatives. So, if you want to buy star health insurance online, always consider these points while comparing the plans.

Scope of Cover: Look for extensive coverage. Apart from common coverage offered in all plans, if the insurer covers treatments like Unani, Ayurveda, pregnancy coverage, homeopathy, you should consider it.

Exclusions: This point is a must to consider. Like the coverage list, one should consider what all is excluded by the insurer. This way, you can find out if the plan is relevant for you or not.

Discounts or Bonus: It really sounds good that every insurer offers a lump sum discount either on a family floater or if more than one member is covered by separate insurance plans or you’ve bought multiple plans from the same insurer. There is also a defined bonus called NCB, payable for every claim free year. So, always check if you’re also entitled to the same.

Incurred Claim Ratio (ICR): One of the most important factors to consider is the ICR  of the company. It reflects on the claim-paying ability of an insurer.

Network Hospitals:  Every insurer has a list of network hospitals where one can avail cashless claim facility. Check whether the list contains the hospitals in your vicinity, to avail instant services in case an emergency.

Star Health Insurance Claim Process

To make the claim process smooth, one should follow these steps:

Cashless Claims:

  • Approach the insurance desk available at the hospital.
  • Keep your IDs handy for identification.
  • After verifying your identity, the hospital authority will submit the pre-authorization form to the insurer. Normally, this is done through TPA. But in case of Star Health Insurance, there is no TPA intervention.
  • After accessing the documents properly, insurer processes the claim on the basis of terms and conditions.
  • Finally, after completing all the formalities, the insured is given with the claimed amount.

Reimbursement Claim Process:

  • Approach a field doctor to make the hospitalisation easy for you
  • At the time of discharge, pay all the dues and get the original bills for treatment availed and expenses incurred.
  • Fill star health insurance claim form and submit all the relevant documents to the insurer by visiting nearest branch.
  • The claim will be settled after verification.

Star Health and Allied Insurance Online Renewal:

  • Visit the official website of Star Health and Allied Company and click on the renewal tab
  • An online form will appear. Fill the form by providing relevant information including policy number, registered mobile number, your e-mail id, date of birth etc.
  • Click the proceed button
  • Check other details like gross premium, including tax
  • Click on “Buy the Plan” option
  • After reaching the payment gateway, pay the premium by using net banking, debit or credit card.

Tips to Consider while Renewing Star Health Insurance Policy

When someone buys health insurance, she/he should keep I mind that it requires timely renewal to secure uninterrupted policy benefits. If you, too, have recently bought star health insurance, do consider these tips when star health insurance renewal date is due.

  • It’s Good to be Advanced:

In case you fail to renew your policy on the due date, the insurer usually offers 30 days as a grace period before the policy lapses. However, no insurance claim will be entertained during this time. Star health also offers a grace period to renew the policy. But why take a risk? Set a reminder and try to pay the premium well in advance.

  • Look to Increase Sum Assured, if Necessary:

If the policyholder feels the offered sum assured in insufficient, then the star health insurance renewal time is the only period when one can apply to increase it. Mind it, the insurer may apply its terms and conditions like no claim history, health check-ups, etc. before approving or rejecting the request.

  • Check if there is any Change in the Policy:

Usually, policy terms and conditions remain the same until renewal and it is only done with the approval of IRDA. If there is any change, the insurer has to inform the insured ASAP. In such a case, if the new terms don’t go down well with you, you will have an option to switch to a similar plan with the current insurer or port the policy to another insurer.

  • If Your Develop any Health Condition, Disclose it:

Insurance works on the principle of faith. There should be complete transparency between you and the insurer. Though the terms and conditions remain the same during and after renewal, due to adverse claims experience, the insurer may load the insurance, but it will be worth it as full disclosure can reduce the chances of your claim getting rejected. Hence, it is very important to maintain transparency; if you develop any health condition, keep the insurer in the loop.

  • Review Your Insurance Needs:

When planning your finances, it is important to review health insurance requirements as well. The reason, you will get enough time to fix the changes before your renewal date arrives. So, the renewal time of star health insurance is the best time when you can set a slab on coverage as per the needs of your family.

Review of Star Health Insurance

If you’re looking for best health insurance in India, then Star Health and Allied Insurance Co. Ltd. is one of the many reliable insurers available. It has a plenty of options to choose as per the needs of an individual. Apart from individual and family floater plans, the insurer also excels in offering disease-specific plans, such as for diabetes, cancer, heart disease, HIV positive patients. If you, too, are looking for an adequate plan, star health insurance plans are really worth considering.