Good health refers to being in a condition of complete mental, physical and social well-being but not mere absence of illness.  It is possible to get health insurance cover when leading a healthy life. But getting a comprehensive health insurance cover may be denied for your near and dear ones on acquiring some illness. Certain medical emergencies are difficult to foresee or prevent.

However, we can account for them with our variety of health insurance plans based on   customer’s needs.

Health insurance plans cover medical expenses that arise due to illnesses, accidents and include most of medical or surgical treatments to restore good health. In short, health insurance plans help ease fears, facilitate quality care, offer timely intervention for those affected and allow them to focus more on recovery.

Star Health Insurance offers various health insurance plans to meet customer’s needs and provides hassle-free in-house claim settlement.  With our health insurance plans, you can benefit from:

• Cashless Facility
• Tax Exemptions
• Value-Added Services
• Enduring Trust
• Customer Centric

Cashless Facility from Network Hospitals: Speed is the essence when treating the ailing. The cashless facility supported by our health insurance plans across India is the need of the hour. Star Health and Allied Insurance Company Ltd., processes more than 90% of hospitalization related to mediclaim health insurance claims within 2 hours under the cashless facility and 88% of claims get settled within 7 days on submission of complete documents under reimbursement.

Tax Exemptions: Under Section 80 D of the Income Tax Act 1961-2021, an income taxpayer can avail tax exemptions on premium paid towards medical health insurance policies. The taxpayer can avail tax exemptions for premiums paid towards self, spouse, dependant children and parents.

Value-Added Services: Star Health Insurance Company provides value-added benefits like e-Medical Opinion, Telemedicine Services, Wellness Programs and rewards (which can be converted to premium discounts on renewals) and many more as value-added services. Star Health Insurance Company justifies being the Health Insurance Specialist.

Enduring Trust: Star Health Insurance, being the Health Insurance Specialist upholds the customer values and helps them at times of hospitalization or daycare procedures for medical emergencies.

Customer Centric: Star Health continues to provide convenient digital platforms and communication channels that are accessible and reachable to customers. We aim to meet our customers at the right time, in the right way, with the right care in a way that brings value to our customer’s delight.

Health Insurance Plans provide Comprehensive Coverage

Star Health mediclaim health insurance policies will cover all 24-hour in-patient hospitalizations due to illness, accidents and daycare treatments/procedures. All related pre-hospitalization and post-hospitalization expenses are also payable up to the specified days mentioned in the policy clause.

Health Insurance Plans provide more Flexibility

Star Health Insurance plans provide more flexible benefits when the policyholder goes through certain hardships. For instance when the sum insured gets exhausted, additional coverage is provided without any extra premium.  This is where benefits like Automatic Restoration of basic sum insured, Super Restoration of basic sum insured and Road Traffic Accident (RTA) on the sum insured comes into place.

Note: These flexible benefits are product/policy specific. Please refer to the policy clause to know more

Health Insurance Plans Allow Additional Disease-Specific Coverage

With Star Health, the insured can avail of disease-specific policies for critical illnesses, cancer and cardiac ailments along with in-patient hospitalization as a general mediclaim health insurance policy. We have a wide range of mediclaim health insurance policies to choose like Star Criticare Plus Insurance Policy, Star Cardiac Care Insurance Policy-Platinum, Star Cancer Care Platinum Insurance Policy, Star Cancer Care Platinum Insurance Policy.

Health Insurance Plans Cover non-Hospitalization Expenses

The insured can avail of non-hospitalization expenses covered with most of our mediclaim health insurance policies. Those include expenses, Dental Treatments, annual health check-ups, out-patient care treatments, diagnostics, consultations, etc.

Health issues increase with a sedentary lifestyle and advancement in age to a larger population. The current pandemic situation has underlined the need for health insurance more than ever before. All our policies provide cover for COVID-19, on purchase of a health insurance plan by a healthy individual/family, if diagnosed with COVID-19 and require hospitalization. Covid-19 treatments are  covered with some waiting period as mentioned in the policy clauses.

Our varied, feature-rich health insurance plans are available for several health issues and provide peace of mind at times of financial crisis due to medical contingencies and uncertainties.

Health insurance plans primarily are of different types and are classified under two categories based on their coverage – for an Individual and Family.

• Individual Health Insurance Plan

The Individual Health Insurance plans covers an individual person, opted Sum insured can be used by the insured individual only.

• Family Floater Health Insurance Plan

In the context of Family Health Insurance, a family indicates self, spouse and the dependent children and parents.

The Family Floater Health Insurance plan covers an entire family with a single premium, and the sum insured floats among the insured family members.  At hospitals across India, the insured and family members can avail of quality-assured in-patient hospitalization, modern treatments, diagnosis, surgeries, etc along with a host of other features.

1. Diabetes Safe Insurance Policy
   

   Diabetes is among one of the most common disorders with a huge number of 50.9 million people, driving India to the second position of the most affected country in the world, says Diabetes Foundation of India in a recent survey. A sedentary lifestyle, usage of tobacco, and unhealthy food habits are the factors that stand foremost leading to diabetes, according to WHO.

   Star’s Diabetes Safe Insurance Policy offers coverage for regular in-patient hospitalization due to illness/accidents and diabetes complications arising out of Type 1/Type 2 . This is a specialized plan designed for people already with a history of diabetes. The plan covers diabetic complications and all other illnesses that require 24 hours of hospitalization on both individual and family floater basis.

   Features	Criteria
   Entry age (for adult)	18 years to 65 years
   Policy period	1 year/2 years/3 years
   Sum Insured in INR	3 / 4 / 5 /10 lakhs
   Product type	Individual/Floater
   Discounts	Purchase policy online- 5% discount
   Waiting period Non- diabetic compilations	PED-48 months	Specific Diseases- 24 months	Initial waiting period – 30 days (except for accidents)

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2. Super Surplus Insurance Policy & Star Super Surplus (Floater) Insurance Policy are Top-Up Health Insurance Plans
   

   During the pandemic, even the best coverage is not sufficient. This Health Insurance Plan is a top-up plan that will cover medical costs, over and above a threshold limit. The plan is designed to cover exorbitant medical expenses with affordable premiums up to 1 crore sum insured. This health insurance plan is available both on an individual and floater basis that can cover your family too.

   Features	Criteria
   Entry age (for adult)	18 years to 65 years
   Dependent children	91 days to 25 years
   Policy period	1 year/ 2 years
   Sum Insured in INR	5 / 7 / 10 / 15 / 20 / 25 / 50 / 75 / 100 Lakhs
   Product type	Individual and Floater
   Discounts	Purchase policy online- 5% discount
   Waiting period	PED-12 months	Specific Diseases- 12 months	Initial waiting period – 30 days (except for accidents)

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3. Star Cardiac Care Insurance Policy-Platinum
   

   Your heart needs all the extra care and timely protection. This is a unique health insurance plan that helps individuals from the age of 7 to 70 years, diagnosed with a cardiac ailment or undergone a cardiac surgical intervention.

   Features	Criteria
   Entry age	7 years to 70 years
   Policy period	1 year/ 2 years / 3 years
   Sum Insured in INR	5 / 10 /15 lakhs
   Cumulative Bonus	Up to 100% of basic sum insured
   Pre-acceptance Medical Screening	Not required
   Automatic Restoration	100% of basic sum insured applicable for non-cardiac ailments
   Product type	Individual
   Discounts	Purchase policy online- 5% discount 10% discount on the renewal premium, if submitted  reports  are normal
   Waiting period Non-cardiac Ailments	PED-48 months	Specific Diseases- 24 months	Initial waiting period – 30 days (except for accidents)
   Waiting Period Cardiac Ailments	30days	Heart transplantation 24 months

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4. Star Comprehensive Insurance Policy
   

   As the name itself says, this Health Insurance Plan is an all-inclusive plan that can cover the entire family from an entry age of 18 to 65 with a lifetime renewability benefit.

   With individual and family floater coverage, this health insurance plan offers various sum insured options. Depending on their needs, individuals/families can choose the specified sum insured option with a minimum of 5 lakhs and a maximum of 1 crore.

   Features	Criteria
   Eligibility (for adult)	18 – 65 years
   Dependent Children	91 days - 25 years
   Policy period	1 year/2 years/3 years
   Installment facility for premium payment	Quarterly/Half-yearly
   Sum Insured in INR	5 / 7.5 / 10 / 15 /20 /25 /50 /75 / 100 Lakhs
   Product type	Individual and Floater
   Discounts	2% - 10% - on Renewal Premium under Wellness Rewards Program 5% - for purchase of policy online
   Waiting Periods	PED-36 months	Option to buy-back PED. Waiting periods reduced to 36 months to 12 months	Specific Diseases- 24 months	Initial waiting period – 30 days (except for accidents)

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5. Senior Citizens Red Carpet Health Insurance Policy
   

   This Health Insurance Plan is an ideal health insurance policy for senior citizens in the age group of 60 and 75 years. The policy comes with a lifelong renewal option, covering a range of daycare procedures/treatments, pre-existing diseases, modern treatments and significant medical interventions that may be required for the elderly. The USP of this plan is that, on choosing sum insured options of 15 lakhs and above, a nominal co-payment of 30% is applicable for all medical claims and can  get exemption from co-payment on cataract surgeries.

   Return your parent’s unconditional support and love they bestowed. Ensure parents receive the right protection and care during their old age by gifting them the Senior Citizen Red Carpet Policy and avail tax exemption under section 80D.

   Subject	Criteria
   Entry Age	60 years to 75 years
   Renewal	Lifelong
   Policy period	1 year/ 2 years / 3 years
   Sum Insured in INR	Individual :- 1 / 2 / 3 /4 / 5 / 7.5 / 10 / 15 / 20 / 25 in Lakhs Floater :- 10 / 15 / 20 / 25 in lakhs
   Pre-insurance Medical Screening	Not Required
   Co-payment	For S.I. :- 1 / 2 / 3 / 4 / 5 / 7.5 /10 Lakhs (PED -50% & Non-PED 30%) For S.I ;- 15/ 20 / 25 Lakhs (All Claims – 30%)
   Discounts	5% - for purchase of policy online 10% of the premium will be allowed if the proposer produces the following documents Stress Thallium Report BP Report Sugar (blood & urine) Blood urea & creatinine
   Waiting period	PED-12 months	Specific Diseases- 24 months	Initial waiting period – 30 days (except for accidents)

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6. Family Health Optima Insurance Plan
   

   Providing family needs can be economically challenging. Hence, a super saver policy keeping the expenses to a minimum yet covering the whole family can be your option. This Floater Health Insurance Plan is appropriately priced so that you can cope with the most challenging health issues of every family member, even the youngest ones. Protect your newborn from the very start of the 16th day of birth from any medical complications with in-hospitalisation charges covered. This plan comes with an array of USPs like Automatic Restoration at 300% of sum  insured, repatriation of mortal remains, compassionate travel, emergency domestic medical evacuation, organ donor expenses, recharge benefit, sum insured for road traffic accidents, assisted reproduction treatment and more.

   Features	Criteria
   Entry age (for adult)	18 years to 65 years
   Dependent children	16 days to 25 years
   Policy period	1 year
   Sum Insured in INR	3 / 4 /5 /10 /15 /20 /25 lakhs
   Product type	Floater
   Discounts	Purchase policy online- 5% discount
   Waiting period	PED-48 months	Specific Diseases- 24 months	Initial waiting period – 30 days (except for accidents)

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7. Medi classic Insurance Policy (Individual)
   

   This Health Insurance Plan provides a plethora of benefits for individuals. With this feature-packed health insurance plan, anyone from 16 days to 65 years can be covered with no capping on age for renewals after 65 years.

   Subject	Criteria - Gold
   Entry Age	16 days to 65 years
   	Individual (1A) A= Adult
   Renewal	Lifelong
   Policy period	1 year/ 2 years / 3 years
   Sum Insured in INR	3 / 4 / 5 /10 /15 /20 /25 Lakhs
   Discounts	5% - for purchase of policy online 25% under gold variant (if insured, submits a proof of major organ donor.) 5% family discount - On buying additional policy for a family member
   Waiting period	PED-48 months	Specific Diseases- 24 months	Initial waiting period – 30 days (except for accidents)

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8. Arogya Sanjeevani Policy, Star Health and Allied Insurance Co Ltd ( Arogya Sanjeevani )
   

   Arogya Sanjeevani means wellness forever, something we want for ourselves and everyone around us. This wholesome health insurance plan mandated by IRDAI allows higher penetration of health insurance including self, spouse, dependent children and parents up to 65 years of age, of course with a lifelong renewal option.

   If purchasing affordable health insurance covering the basics is on your wish list, the Arogya Sanjeevani Policy is a great choice for the rural population offering a 20%  discount.  Preserve the tight-knit bonds of families in sickness and health with coverage up to 10 lakhs for in-patient hospitalisation, daycare procedures, COVID-19 treatment, AYUSH treatment and more.

   Subject	Criteria
   Entry Age	18 years to 65 years
   	Dependent Children – 3 months to 25 years
   Renewal	Lifelong
   Policy period	1 year
   Sum Insured in INR	0.5 lakh to 10 lakhs ( multiples of 50 thousand)
   Co-payment	5% to all admissible claims
   Discounts	20% discount for rural population
   Waiting period	PED-48 months	Specific Diseases- 24/48 months	Initial waiting period – 30 days (except for accidents)

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9. Star Outpatient Care Insurance Policy
   

   It’s better to solve a problem in the beginning than it becomes much bigger. Consulting a doctor to resolve a problem, outpatient consultations and treatments are the most crucial in general maintenance of our health. Outpatient treatments cannot be avoided and will be a top priority to feel good. Imagine the money you could save on that consultation with your dentist for a root canal, or the times you have visited an eye clinic.

   This health Insurance Plan covers outpatient treatment expenses like consultant fees, pharmacy bills, payments for X-rays, investigations and diagnostics physiotherapy, the so-called out-of-pocket expenses that may not be covered in your standard health plan. This health policy is available in three variants – Silver, Gold and Platinum. It is an industry-specific health insurance plan exclusively covering OP consultations. Reap the benefits of premiums discounted up to 25% post 2 claim-free years.

   Subject	Criteria
   Entry Age	18 years to 50 years
   	Dependent Children – 31 days to 25 years
   Renewal	Lifelong
   Policy period	1 year
   Sum Insured in INR	25,000 / 50,000 / 75, 000 / 1,00, 000
   Co-payment	5% to all admissible claims
   Discounts	25% discount of the premium after every block of two continuous claim free years. 5% - for purchase of policy online
   Waiting period	PED- 48/24/12 months (silver/Gold/Platinum)	Initial waiting period – 30 days (except for accidents)

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10. Star Hospital Cash Insurance Policy
    

    When it comes to treating a loved one, even the little things matter. This Health Insurance Plan is designed to take care of every little expense you incur during your hospitalisation.

    This Health Insurance Plan provides daily hospital cash when you are confined in the hospital. The Policy can be a supplement or add-on to all the medical plans offered by Star Health. You can avail of cash-in-hand benefits of up to Rs. 5000 per day for the number of days chosen by you.

    Subject	Criteria
    Entry Age	18 years to 50 years
    	Dependent Children – 91 days to 25 years
    Renewal	Lifelong
    Policy period	1 year / 2 years / 3 years
    Plan Options	Basic Amount (per day) options	1000/- , 2000/-, 3000/-	Enhanced Amount (per day) options	3000/-, 4000/- , 5000/-
    No. of days		30 / 60 /90/ 120/180		90 / 120 / 180
    Discounts	10% - for covering more than 2 family members under the same policy under Individual cover 5% - for purchase of policy online
    Waiting period	Basic Plan PED – 36 months Specific diseases – 24 months Initial illness – 30 days		Enhanced Plan PED – 24 months Specific Diseases – 24 Months Initial illness – 30 days

    • The policy provides daily hospital cash during the insured’s confinement in the hospital in addition to any of the insured’s existing medical benefits.
    • The Policy can be added to all the medical plans offered by Star Health.

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11. Young Star Insurance Policy
    

    India is one of the countries with the youngest population globally. India’s millennials are a valuable asset to the economic growth of the country. Hence, the youth of the nation should be filled with vibrancy and energy. Capitalize on the most vibrant years of your life with the help of this Health Insurance Plan. The plan is specially designed for young adults below 40 who envision a healthy life for themselves and their families.

    The plan offers a wide range of benefits ranging from incentive-led wellness programs, the lowest waiting periods, coverage of pre- and post-hospitalisation expenses, no-claim bonus, annual check-ups, automatic restoration of the sum insured and additional basic sum insured for road traffic accidents.

    Subject	Criteria
    Entry Age	18 years to 40 years
    	Dependent Children – 3 months to 25 years
    Renewal	Lifelong	Plan options	Gold Silver
    Policy period	1 year / 2 years / 3 years instalment Premium – quarterly / half yearly
    Sum Insured in INR	3 / 4 / 5 / 10 /15 /20 /25 /50 /75 /100 Lakhs
    Discounts	2% - 10% - on Renewal Premium under Wellness Rewards Program 5% - for purchase of policy online Early Entry discount - 10% on the premium for renewing after 40 yrs , by purchasing it before 36 yrs
    Waiting period	PED-48 months	Specific Diseases- 24/48 months	Initial waiting period – 30 days (except for accidents)

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12. Star Micro Rural and Farmers Care
    

    Access to good health and hospitals must be available to all.  In the case of this Health Insurance Plan, it does not matter where you live or how much you earn. This health insurance plan is designed to safeguard the hands that feed us.

    Get an individual health insurance plan for a sum insured of Rs. 1 lakh and a family floater plan for Rs. 2 lakh, respectively. Get coverage on room rent, consultant fees, ICU charges, modern treatments and all daycare procedures.

    Subject	Criteria
    Entry Age	18 years to 65 years
    	Dependent Children – 12 months to 25 years
    Renewal	Lifelong
    Policy period	1 year
    Sum Insured	Individual - 1 lakh
    	Floater – 2 lakhs
    Co-payment	20% to all admissible claims, if entry is 61 years & above
    Waiting period	PED-6 months	Specific Diseases - 6 months	Initial waiting period – 30 days (except for accidents)

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Our motto is to serve the customers with the utmost care. We listen deeply to you, so we can provide health insurance plans that earn your trust.

We are a Health Insurance Specialist, and here goes our list of most recent achievements on our customer-centric policies:

India’s Best Health Insurance Company For Retail Product – Insurance Alerts

Most Innovative New Product of the Year 2020

Young Star Insurance Policy had been awarded the Most Innovative New Product of the Year at ASSOCHAM’s Insurance E-Summit and Awards 2020

Best BFSI Brands 2019

Best BFSI Brands 2019 by Economic Times

Best Health Insurance Provider of the Year 2018–2019

Best Health Insurance Provider of the year – Business Today, Money Today Financial Awards 2018–2019

Health Insurance Provider of the year 2018

Health Insurance Provider of the year Silver Award by Outlook Money Awards 2018

• Customer – centric company
  

Products are customer-centric and designed based on customer needs – Star Diabetes Safe Insurance Policy, Star Cancer Care Platinum Insurance Policy, Star Criticare Plus Insurance Policy, Star Cardiac Care Insurance Policy-Platinum, Star Cancer Care Platinum Insurance Policy, Young Star Insurance Policy , and many more, in the pipeline to serve you just the way our customers want.

Star Health Insurance acts with a set of core values that include trust and integrity with a customer-first mindset. This enables us to go the extra mile for you with our health insurance plans. We consider ourselves privileged to have positively impacted the lives of those who choose to be a part of the Star family.

• 90% of claims settled in less than 2 hours under cashless at our network hospitals
  

Cashless facility is made available within 2 hours in network hospitals. Our in-house claim settlement process is a major factor, which has allowed us to achieve this massive success rate. We ensure a hassle-free claim process and settlement done by qualified in-house doctors.

• PAN India presence
  

Ever-growing 11,000+ network hospitals across India.

• Claims settled by qualified doctors
  

A dedicated internal team of doctors to process your health insurance plan claims, and fast-track the proceedings. This team also weeds out those who use nefarious methods to gain funds and intend to make gain out of health insurance.

• No Third-Party Administration (TPA)
  

A claim does justice only when it is settled within the timeframe. Often, many insurance companies avail services of TPA and incentivized for the claim processing. Star Health Insurance does not depend on the TPA but on our in-house claim team to help process claims faster and settle them in shortest time during the most needed hour.

• A high-quality free telemedicine facility for all
  

Health is inclusive, and we believe in access to everybody, not only our customers. Hence, anyone can avail of our free telemedicine facilities. Talk to Star App is a specialised application designed to serve this purpose.

• Wellness programs
  

Star Health Insurance supports the active maintenance of good health with unique wellness programs that encourage a healthy lifestyle.

Star Health Claims Services is a hassle-free and customer-friendly process that ensures all settlements are processed promptly. As your health insurance specialist, we make cashless claims available across all our network hospitals in India. Courtesy, attention, speed and efficiency are the high standards we strive to upkeep. We value our customer’s feedback and work hard to meet and exceed your expectations.

How to get claims faster?

• The Star Health website contains a list of network hospitals, including Agreed network hospitals.
• Search from the network list from our website and locate the nearest network hospital to your residence.
• For planned surgery, approach the hospital prior to the date of admission who will send the completed pre-authorization form.
• In the pre-authorization form, you are required to furnish your contact number.
• If details are not complete, approval of the authorization request may be delayed.

Approach the insurance desk at a network hospital. Intimation can be given either through contacting us at 1800 425 2255 / 1800 102 4477 or e-mail us at support@starhealth.in

• Inform the Operator to obtain Claim No.
• Customer ID / Policy No.
• Cause of Hospitalization
• Hospital Name
• Insured/Patient Name

Planned Hospitalisation can be intimated between 7 to 10 days in advance and intimate for Emergency Hospitalization is within 24 hours of hospitalisation.

• Register claim.
• Reach the insurance desk and submit documents at the network hospital.
• Documents sent to Star Claims Team.
• Documents verified by our Claim Processing Team.
• The decision to approve/query/denial of cashless/rejection conveyed to the network hospital within 2 hours.
• If approved, the claim is settled as per the policy conditions.
• Payment will reach the network hospital.
• Pay the difference and get discharged.

The insured gives prior intimation about the treatment to the insurer and the insured pays the hospital bills. The insured then claims for a reimbursement of those expenses within 15 days from the date of discharge.

Documents to be submitted for Reimbursement claims:

• Duly completed claim form
• Pre-admission investigations and treatment papers
• Discharge summary from the hospital
• Cash receipts from the hospital and chemists
• Cash receipts and reports for tests done
• Receipts from doctors, surgeons and anesthetist
• Certificate from the attending doctor regarding the diagnosis
• Copy of PAN card, cancelled cheque or NEFT details

You may also reach out to our 24/7 customer care to get your queries cleared.