This Website is a user interface platform owned and maintained by Star Health and Allied Insurance Company Ltd (herein after referred to as Star Health) to provide information and to communicate better with the user who may be interested in knowing about the products and services offered by the company & buying them.
Star Health maintains this Website solely for information and educational purposes. Neither this Website nor the contents available can be construed as a professional advice and before making any decision based on the information the user shall consult a professional advisor.
Star Health has taken all necessary precautions to ensure that the information contained in this Website is current, accurate and complete as on the date of Publication. No representations or warranties are made (express or implied) as to the reliability, accuracy or completeness of such information. Star Health cannot be held liable for any loss arising directly or indirectly from the use of, or any action taken in on any information appearing on this Website.
Earning and maintaining customer trust is core to what we do, STAR HEALTH is truly committed to transparency in our privacy practices. Any personal information disclosed to us will be processed only to the extent of your consent and we invite you to engage with us in complete trust.
The words of which the initial letter is capitalized have meanings defined under the following conditions. The following definitions shall have the same meaning regardless of whether they appear in singular or in plural.
Account means a unique account created for you to access our Service or parts of our Service.
Company (referred to as either “STAR HEALTH”, "the Company", "We", "Us" or "Our" in this Agreement) refers to Star Health & Allied Insurance Co. Pvt. Ltd.
Cookies are small files that are placed on your computer, mobile device or any other device by a Website, containing the details of your browsing history on that Website among its many uses. These are also known as browser cookies or tracking cookies, they are small, often encrypted text files, located in the browser of your device(s). These cookies facilitate us in making your navigation across STAR HEALTH Website smoother and personalized to perform certain functions. Due to cookies’ core role of enhancing/enabling usability or Website processes, disabling cookies may prevent you from using some of our Website functionalities.
Country refers to: India and by reference means Chennai or Tamil Nadu based on context.
Device means any device that can access the Service such as a computer, a cell phone or a digital tablet.
Personal Data is any information that relates to an identified or identifiable natural person (i.e. you, the customer / visitor of this Website) that can be used to distinguish or trace such individual’s identity, such as First Name, Last Name, Spouse Name, PAN Number, Aadhaar Number, date and place of birth, mother’s maiden name, or biometric records; and any other information that is linkable to you as an individual and not limited to information such as medical, educational, financial, and employment information. Commonly used synonyms are personal information, personally identifying information, personally identifiable information (PII) or personal/protected medical and/ or health Information (PHI).
Service refers to the Website and is a collective term for all the services we offer on this Website as you navigate through it. While all the information is free to access, we will ask you to provide us with your personal data in order for us to cater to any specific services required like payment of insurance premium or to any downloadable resources.
Service Provider means any natural or legal person who processes the data on behalf of STAR HEALTH. It refers to third-party companies or individuals employed by STAR HEALTH to facilitate the Service, to provide the Service on behalf of the Company, to perform services related to the Service or to assist STAR HEALTH in analysing how the Service is used.
Usage Data refers to data collected automatically, either generated by the use of the Service or from the Service infrastructure itself (for example, the duration of a page visit).
Website refers to STAR HEALTH, accessible from www.starhealth.in
You mean the individual accessing or using the Service, or the company, or other legal entity on behalf of which such individual is accessing or using the Service, as applicable.
While using STAR HEALTH Service, we may ask you to provide us with certain personally identifiable information that can be used to contact or identify you. Personally identifiable information may include, but is not limited to:
While using STAR HEALTH Services, sensitive personal data or information of a person means such personal information which consists of information relating to
Provided that, any information that is freely available or accessible in public domain or furnished under the Right to Information Act, 2005 or any other law for the time being in effect shall not be regarded as sensitive personal data or information for the purposes of above.Usage Data or browsing data.
Usage Data is collected automatically by the web browser when using STAR HEALTH Service(s). This is in addition to the specific information about yourself as provided on the Website.
Usage Data may include information such as Your Device's Internet Protocol address (e.g., IP address), browser type, browser version, the pages of our Service that you visit, the time and date of your visit, the time spent on those pages, unique device identifiers and other diagnostic data.
When You access the Service by or through a mobile device, we may collect certain information automatically, including, but not limited to, the type of mobile device You use, your mobile device unique ID, the IP address of Your mobile device, your mobile operating system, the type of mobile Internet browser You use, unique device identifiers and other diagnostic data.
We may also collect information that your browser sends whenever You visit our Service or when You access the Service by or through a mobile device. We also acquire the following additional technical information:
Cookies can be "Persistent" or "Session" Cookies. Persistent Cookies remain on your personal computer or mobile device when you go offline, while Session Cookies are deleted as soon as you close your web browser.
We use both Session and Persistent Cookies for the purposes set out below:Necessary / Essential Cookies
Type: Session Cookies
Administered by: STAR HEALTH
Purpose: These Cookies are essential to provide you with services available through the Website and to enable you to use some of its features. They help to authenticate users and prevent fraudulent use of user accounts. These cookies do not gather information about you that could be used for marketing purposes and do not remember where you have been on the Internet. Without these Cookies, the services that you have asked for cannot be provided, and we only use these Cookies to provide you with those services.Cookies Policy / Notice Acceptance Cookies
Type: Persistent Cookies
Administered by: STAR HEALTH.
Type: Persistent Cookies
Administered by: STAR HEALTH.
Purpose: These Cookies allow us to remember choices you make when you use the Website, such as remembering your login details, language and any other preference you make or have made. The purpose of these Cookies is to provide you with a more personal experience and to avoid you having to re-enter your preferences every time You use the Website. At any time during your visit, you have the choice to disable them, however, be aware that by doing so any preferences you might have set up would be lost.
To know more about cookies, you may kindly visit : https://www.allaboutcookies.org/
STAR HEALTH may use Personal Data and may share with our affiliate partners for the following purposes:To provide and maintain our Service,
including to monitor the usage of our Service.For the performance of a contract:
the development, compliance and undertaking of the purchase contract for the products, items or services you have purchased or of any other contract with Us through the Service.To contact You:
To contact You by email, telephone calls, SMS, or other equivalent forms of electronic communication, such as a mobile application's push notifications regarding updates or informative communications related to the functionalities, products or contracted services, including the security updates, when necessary or reasonable for their implementation.To provide You
with news, special offers and general information about other goods, services and events which we offer that are similar to those that you have already purchased or enquired about unless You have opted not to receive such information.To manage Your requests:
To attend and manage Your requests to Us.For business transfers:
We may use Your information to evaluate or conduct a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of Our assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which Personal Data held by Us about our Service users is among the assets transferred.For other purposes:
We may use Your information for other purposes, such as data analysis, identifying usage trends, determining the effectiveness of our promotional campaigns and to evaluate and improve our Service, products, services, marketing and your experience.
Star Health will collect financial information such as credit card number and expiration date through the payment gateway of the credit card company or the internet banking service of your bank, but Star Health does not store these information in our database.
STAR HEALTH will also retain Usage Data for internal analysis purposes after anonymizing and removing all linkages with user. Usage Data is generally retained for a shorter period of time, except when this data is used to strengthen the security or to improve the functionality of Our Service, or We are legally obligated to retain this data for longer time periods.
Your information, including Personal Data (including sensitive data), is processed at STAR HEALTH's operating offices and in any other places where the affiliates or associated service providers involved in the processing are located.
Under certain circumstances, STAR HEALTH may be required to disclose Your Personal Data if required to do so by law or in response to valid requests by public authorities (e.g., a court or a government agency).Other legal requirements
STAR HEALTH may disclose Your Personal Data in the good faith belief that such action is necessary to:
The security of Your Personal Data is important to Us. Star Health will implement the security practices, procedures, principles and standards as per Information Security Policy of the Company in line with the best practices, standards and prevailing regulations around Information Security in compliance.
By sharing your Aadhaar number, you hereby consent to Star Health Insurance’s collection, usage and storage of your Aadhaar number, Virtual ID, e-Aadhaar, XML copy, Masked Aadhaar, demographic information, identity information, Aadhaar registered mobile number, Aadhaar registered address, date of birth; as per applicable laws/regulations (may collectively be known as - “Aadhaar Information”) for the following purposes:
Aadhaar numbers so collected shall be kept protected in an encrypted format and stored in an Aadhaar vault as per the prescribed regulatory guidelines, to be used as necessitated for the informed purposes as stated above in accordance within the permissible regulatory framework guidelines.
We have no control over and assume no responsibility for the content, privacy policies or practices of any third-party sites or services.
This Website is owned by: STAR HEALTH and Allied Insurance Company Limited (STAR HEALTH), Chennai - 600 034, Registered with IRDAI as General Insurance Company - Registration Number: 129
During the use of Website various other hyperlinks and extensions may pop-up, the user should be aware that browsing of these third-party websites may be subject to separate terms and conditions, information collection practices, and other provisions. Star Health neither endorses, nor is it responsible for any of the products, services, or content offered in any third-party sites and disclaims any liability or information provided through any other Website and shall not be held responsible on account of any activity/ inactivity made based on the said information. Further, the User agrees to indemnify, defend and hold harmless Star Health from any liability, loss, claim and expense (including attorney’s reasonable fees) related to but not limited to their actions such as violation of this agreement.
The availability of the information and guidance as part of the Website does not constitute a recommendation by Star Health, of any medical practice, particular medicine, or to buy any policy etc., discussed therein by Star Health. User shall be solely responsible for any decisions, which they arrive at after their own evaluation of the policies / products of Star Health and post consultation with any of their advisors.
The trademarks, logos, slogans and service marks displayed on this Website, whether registered and unregistered, are proprietary to Star Health. Unless expressly stated in writing, Star Health does not grant any authority, right or license to the user of the Website to use or display any trademarks, logos, slogans and service marks displayed on this Website. Star Health reserves its right to seek appropriate legal remedy for any violation or breach of any intellectual property rights including but not limited to unauthorized use of any trademarks, logos, slogans, service marks and contents of this Website.
Star Health offers Tele-Medicine Facility which connects the user virtually to qualified medical practitioners for consultation on medical issues. It is a value added service provided to Customer/Visitor(s) soliciting opinion on the Line of Treatment. This facility operates through an In-house medical team consisting of qualified medical practitioners with IT enabled interactive Voice/Video/Chat medium compatible with mobile telephone technology. Star Health takes utmost care to maintain confidentiality of information/data furnished or medical records uploaded for this purpose. This online consultation is solely based on the information provided by the user and in absence of physical evaluation the provider/treating doctor may not be aware of certain facts that may limit or affect his or her assessment or diagnosis or the condition of the user or recommended treatment. The Advice obtained is not final and binding on users. Utilizing this service will not entitle a user to prefer a claim. The diagnosis made and medicines prescribed during online consultation are purely based on information provided by users. Hence, user are well advised to treat the consultation as an interim measure and consult their family physician or approach nearest hospital immediately for follow up. Star Health will not be in any way liable for any consequence that may arise.
Star Health shall not be liable if any transaction does not materialize or may not be completed or for any failure on its part to perform any of its obligations under these terms and conditions or those applicable specifically to any services, if the same is prevented, hindered or delayed by a Force Majeure and in such case its obligations shall be suspended for so long as the Force Majeure event continues. "Force Majeure" means any event due to any cause beyond the reasonable control of the Star Health, including without limitations, sabotage, fire, flood, explosion, acts of god, civil commotion, strikes or industrial action of any kind, riots, insurrection, war, acts of government, faults or failures in telecommunication, unavailability of any communication systems, breach, or virus in the processes or payment or delivery mechanism, computer hacking, computer crashes, malfunctioning in the computer terminal or the systems getting affected by any malicious, unauthorized access to computer data and storage devices, destructive or corrupting code or program, mechanical or technical errors/failures or power shut down, etc.
If any provision of these Terms and Conditions is found to be unenforceable, such invalidity or unenforceability will not affect the other Terms and Conditions, which will continue to be in full force and effect.
The User of this Website represents that he/she is legally competent to enter into a binding legal contract and agrees to be bound by the Terms and Conditions of use.
User agrees that he/she shall not copy, reproduce, reverse engineer, sell, redistribute, publish, unauthorized access into database, perform modify content/ information, transmit, license, create derivatives from, transfer or in any way exploit any part of any information, content, materials, services available from or through the Website, except that which he/she may download for own personal, non-commercial use.
The User shall not use any technique, software, tool or code that would harm or affect all or any portion of the Website or Services offered by Star Health. The User must use the site(s), the services and the information provided solely for his/her own personal use and must not make this information or any copies available to third parties without prior written consent. The services of this Website shall be available to Retail/corporate users.
Star Health shall not be liable for any damages arising from interruption, suspension or termination of the Website, including but not limited to direct, indirect, incidental, special, consequential or exemplary damages, whether such interruption, suspension or termination was justified or not, inadvertent or advertent. In no event shall our liability to user’s for all damages, losses and causes of action (whether in contract or tort, including but not limited to, negligence) exceed the amount paid by you, if any, for accessing the Website.
The Website collects contact information such as user name, address, email address and other details as given in the registration page of our Website. If user purchases a policy from us, we will collect the personal and financial information of user such as credit card number and expiration date through the payment gateway of the credit card company or the internet banking service of the user’s bank. The user agrees, understands and confirms that the credit card details provided by them for availing of services on Star Health shall be correct and accurate and the user shall not use any credit card which is not lawfully owned by them. The said information will not be utilized or shared by Star Health with any third parties unless required by law, regulation or court order. We value your privacy and will take utmost care and necessary steps to keep the information confidential.
Further, it is the obligation of the user to make the payment for premium through a legal proceed. However, if it is found that the premium has been paid through the proceeds of crime related to any of the scheduled offence listed in Prevention of Money Laundering Act, 2002, Star Health has the right to call for documents to establish the sources of funds. If user is found guilty by any competent court of law directly or indirectly governing prevention of money laundering in India, Star Health has right to cancel the insurance contract.
Star Health does not guarantee or warranty that there will be uninterrupted access to and/or use of the Payment and delivery Mechanism to the users. Further, Star Health and the Payment Gateway Service provider shall not be liable for any losses, damages that may be incurred by either directly or indirectly in respect of any loss of access and/or use or interruption in the use of the Payment Mechanism due to the Maintenance Services being performed on the same.
This is a virtual platform whereby user opting for healthy life style can adopt wellness practices like taking automated health risk assessment to assess health risk, track health parameters using health calculators and tools, and track daily activity like walking to lead a healthy lifestyle. Additionally user opting for healthy lifestyle program is connected to a wellness coach from Star Health who will guide the user to improve the health through simple changes in Diet & Nutrition, easy exercises that keeps us active through small changes in our life style. This is a complimentary program that offers only guidance to managing health conditions and achieving wellness. The information and services offered are entirely educational and Star Health assumes no responsibility for any consequence relating directly or indirectly to any action the user takes based on the information provided, though utmost care is taken by Star Health to provide accurate information.
The terms and conditions of the website are governed by and shall be interpreted in accordance with Indian laws.
The user agrees to the exclusive jurisdiction of the courts in Chennai in respect to any proceedings in connection with these Terms and Conditions of this Website.
Any disputes that might arise with regard to the interpretation of the terms and conditions under this agreement and/or to the contents stated in the Website and/or as to the determination of the rights and obligations of the users and the owner/associate of this Website herein shall be settled by way of referring such dispute to an Arbitral Tribunal governed by a sole arbitrator to be appointed by the Chairman of the company STAR HEALTH.