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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 health insurance coverage, Star Health Insurance, is one of the most trusted names to consider.

Star Health and Allied Insurance Co. Ltd. commenced its operations in the year 2006. Since then Star health insurance has earned a renowned name in the medical insurance sector with its comprehensive range of health insurance and accident care plans. The company offers a host of affordable medical insurance products ranging from star family health insurance, cancer insurance, and diabetes insurance among others. The insurer also provides health insurance for autistic children.

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 Insurance at a Glance

Key Features Highlights
Incurred Claim Ratio 60.51%
Network Hospitals 8000+
Waiting Period 4 years
Renewability Lifelong

Features of Star Health Insurance

  • Availability of both individual and family floater plans
  • No involvement of a third party administrator
  • Star health provides direct in-house settlement of claims
  • A seamless process to avail cashless hospitalization in more than 7000 hospitals throughout India.
  • The company has more than 6000 branch offices Pan India
  • The insurer’s claim settlement service is quick and hassle-free
  • Easy online purchase and renewal procedure

Comparison Table for Star Health Insurance Plans:

Adults: Between 18 &  65 yearsIndividual/family floater

Name of the Plan Sum Assured Entry Age Waiting Period Plan Type
Star Family Health Optima Insurance 1 lakh to 25 lakhs 18 years and 65 years 36 months Individual/family floater
Star Senior Citizens Red Carpet Insurance 1 lakh to 10 lakhs 60 to 75 years 2nd year onwards Individual
Star Comprehensive Insurance 5 lakh to 25 lakhs Children: 3 months to 25 years
Adults: Between 18 & 65 years
Individual/family floater
Star Medi Classic Insurance 1.5 lakhs to 15 lakhs 5 months and 65 years of age 48 months Individual
Star Health Gain Insurance 1 lakh to 5 lakhs 91 days to 65 years 48 months Individual/family floater
Star Super Surplus Insurance 5 lakhs to 15 lakhs (deductibles applicable) Children: 91 days to 25 years

Adults: 18 to 65 years

36 months Individual/family floater
Star Cancer Care Gold Insurance 3 lakhs to 5 lakhs 5 months to 65 years 48 months Individual
Star Diabetes Safe Insurance 3 lakhs to 10 lakhs 18 years and 65 years 48 months Individual/family floater
Star Cardiac Care Insurance 3 lakhs to 4 lakhs 10 years and 65 years of age 48 months Individual
Star Special Care Insurance 3 lakhs 3 to 25 years 48 months Individual
Star Net Plus Insurance
Star Care Micro Insurance 5 lakhs to 15 lakhs 18 years to 65 years 48 months Individual/family floater
Star Criticare Plus Insurance 2 lakhs to 10 lakhs 18 years to 65 years Individual/family floater
Star Family Delite Insurance 2 lakhs to 3 lakhs 5 months to 65 years 48 months Individual/family floater

Star Health Insurance: Plans Offered

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

Claim Process of Star Health Insurance

Star Health offers a hassle-free claim process. You can file a claim in two ways- cashless and reimbursement claim. Both the claim processes are mentioned below:

Star Health Mediclaim Insurance Cashless Claim Process

  • Approach the health insurance desk at the network hospital
  • Present the Identity proof
  • Your identity will be verified and then the pre-authorization form will be submitted to the insurer
  • The doctors will analyse the documents and process the claim as per the terms and conditions of the policy
  • You can also approach a field doctor to ease the process
  • Once all the formalities are completed and verification is done, Star health will settle your hospital bills directly.

Star Health Mediclaim Insurance Reimbursement Claim Process

To make a claim for reimbursement, follow the below mentioned steps:

  • At the time of discharge, pay all the medical bills and keep all the receipts and documents in original
  • After that, you will need to fill the star health insurance claim form and submit it along with all the required documents
  • The insurer will verify the documents and settle the claim as per the terms and conditions of the policy.

Star Health Insurance Online Renewal

To avail the benefits of a star health mediclaim policy on a continuous basis, you need to renew policy on time. Failing to do so may lead to discontinuation of your mediclaim policy. This is why a reminder is given by the insurer. However, if you forget to renew the plan, do not fret. Star Health offers a grace period, during that time you can renew the expired star health insurance plan.

Here’s a quick rundown of the step-wise procedure for Star medical insurance renewal-

  • Visit the official website of the insurer and click on the ‘Renewal’ button.
  • Fill the form with policy details including contact number, policy number, name, email Id, DOB etc.
  • Hit on the ‘Proceed’ button
  • Check the renewal details such as premium to be paid, GST tax etc.
  • Click on ‘Buy Policy’ button and go to pay the premium option
  • You can make the payment online using Credit Card/Debit card or Net Banking and renew star health mediclaim policy

It is suggested that you go through Star health insurance reviews online before the renewal. As it will help your to decide further.

Inclusions of Star Health Insurance Plans

Star health insurance plans offer a wide range of coverage which varies from one plan to another. Elucidated below are some common coverages that you can avail-

  • Pre-hospitalization expenses up to 60 days before getting admitted into the hospital
  • Room rent charges, nursing and boarding expenses as per the specified limits
  • Emergency ambulance transportation charges are also covered
  • New born baby cover up to a specified limit
  • Organ donor expenses are covered up to a specified limit
  • Air ambulance charges can also be covered
  • Post-hospitalization expenses incurred after 90 days of the discharge from the hospital.=
  • Domiciliary hospitalization expenses for any treatment taken at home as per the specified limit
  • Expenses incurred on health check-ups up to the specified limits
  • It also covers the fees charged by a surgeon, anesthetist, medical practitioner, consultants, and specialist
  • Expenses incurred on diagnostic procedures, oxygen, operation theatre, medicines, and pacemaker

Exclusions of  Star Health Insurance Plans

The following conditions are not covered in Star mediclaim policies-

  • Injury or illness arising out of war or nuclear radiations
  • Naturopathy treatments
  • Maternity-related expenses, childbirth, infertility, congenital illnesses etc.
  • Non-allopathic medicine expenses
  • Hospital registration costs, admission cost, telephone costs or other related charges.
  • Cosmetic surgery, surgery for changing sex, plastic surgery etc.
  • Pre-existing illness will not be covered before 48 months
  • Certain specific diseases like Hernia, Piles, Fistula, Sinusitis are not covered during the first year of the policy

For detailed list please refer to the policy wordings.

Benefits of Star Health Insurance

The advantages of star medical policy are listed below-

  • Co-Payment- No co-payment is required up to 60 years of age. 20% of co-payment is applicable only after 61 years of age.
  • Pre-existing Illnesses- If you have any pre-existing illnesses, they should be covered after 4 years of continuous policy term.
  • Lifelong Renewability- Star medical insurance plans offer lifetime renewability and cover you throughout your life.
  • Cashless Hospitalization- Without spending a penny from your pocket you can get the best treatment in any of the registered hospitals.

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.

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.

How to Calculate Star Health Insurance Premium?

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 online.

Simply follow these steps-

Select a star medical insurance plan and go to the insurance calculator page on the insurer’s site. For instance, if you opt for a family floater plan, you need to enter the basic details like the amount of sum insured, number of family members, their age, age of the eldest member, geographical location etc.

Once all the information is provided, the premium will be calculated and an estimation of the premium for the selected plan will be provided.

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.

Documents Required for Star Health Insurance

The list of documents that are required to reimburse your star health insurance claims are elucidated below-

  • Duly filled and signed Star medical insurance claim form
  • Medical bills, discharge certificate and receipts
  • Original chemist bills with prescription
  • Medical test reports and investigation reports
  • Nature of the surgery/operation
  • Surgeon’s bills and receipts
  • FIR/Self-declaration/ Medicolegal certificate in case of an accidental hospitalization
  • Registration certificate of the hospital ( if lesser than 15 beds)

The below documents need to be submitted while filing a cashless claim with Star medical insurance:

  • Star health card
  • Duly filled & signed claim form
  • Consultation papers of the doctor
  • Investigation reports such as blood reports, x-ray, or any scans reports
  • Chemist’s invoice ( in original)
  • In case of an accidental hospitalization, police FIR report or Medico Legal Certificate (MLC) is required
  • The discharge summary from the hospital
  • Other documents ( if required)

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.

Reviews 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.

Star Health Insurance FAQs

Q1. Is pre-medical screening mandatory before purchasing a Star health insurance policy?

A medical checkup is required if your age is above 50 years at the time of purchasing the policy. And if you are buying Star senior citizen health insurance policy for your parents between 60 and 69 years, then also a medical screening is essential.

Q2. What is the benefit of Star Health Card?

You will be given a Star health card when you buy a star health medical insurance plan. Basically, it is like an identity card. It will entitle you to avail the cashless treatment at any of the star health network hospitals. This card includes the contact numbers of the TPA as well as your contact details. You can call on any of these numbers to seek assistance in case of any query or medical emergency.  You just need to display the health card when getting admitted to the hospital.

Q3. What should I do if I misplace my Star health card?

You can get in touch with the insurer on their helpline number – 1800 425 2255. You can also send them an email regarding your concern at support@starhealth.in immediately.

Q4. What should I do if I want to renew the star health insurance policy after a year?

Star health will send you a renewal reminder and will be informing you about the expiry of your Star health insurance policy. However, the company is not obligatory to do so. Therefore it is your responsibility to renew it on time.

Q5. What are the tax exemption benefits of buying Star medical insurance policy?

The premium that you pay for Star health insurance policy provides you tax saving benefits u/s 80D of the IT Act. You can avail up to Rs.25, 000 of tax benefits on purchase of a family floater policy.

On purchase of a health insurance policy for your parents who are above 60 years of age, you are eligible for a deduction up to Rs.50,000 as per sec. 80D.

Q6. If I am a diabetic patient can I buy Star mediclaim policy?

Yes, it is possible to buy an individual star health insurance plan. Your pre-existing diabetic condition will not be covered.

However, you can get a medical cover with a Star Diabetes Safe health insurance plan which is designed to cover problems related to diabetes such as Diabetic Nephropathy, Diabetic Retinopathy, and Diabetic Foot Ulcer. But, it is required to undergo a medical screening before purchasing this policy even if you are below 50 years of age.

Q7. What factors need to be considered while buying diabetes insurance from star health?

You need to consider the below pointers while buying health insurance or diabetes plan from Star Health:

  • A clear understanding of all the hidden clauses such as waiting period, co-payment etc.
  • Whether any cap on room rent or not
  • Limitations on Pre-existing diseases
  • List of exclusions

Q8. Is there any waiting period in Star Diabetes Safe Plan?

Usually, there is a waiting period clause of 2 to 4 years for pre-existing illnesses like hypertension and diabetes. No claim is permissible for any pre-existing illness during the waiting period. This is the reason why it is suggested that you buy health insurance in an early stage so that there is sufficient time to claim for your pre-existing health ailments.

However, a waiting period is not applicable to Star Diabetes Safe Plan. But there is a waiting period of 15 months for Plan A and Plan B.