The Manager - Customer Care, Star Health and Allied Insurance Co Ltd, No.1, New Tank Street, Valluvarkottam High Road, Nungambakkam, Chennai - 600 034 Email : support@starhealth.in
It’s often said that your health is your wealth. And with the same belief, we make it our mission to ensure that your health is never compromised. That’s why we offer you an array of flexible plans to protect your health.
Health Insurance Plans
It’s often said that your health is your wealth. And with the same belief, we make it our mission to ensure that your health is never compromised. That’s why we offer you an array of flexible plans to protect your health.
Recommended Plans
Women Care
Star Women Care Insurance Policy
Family health insurance with multifold benefits for women
Individual / Family Plan
Star Comprehensive Insurance Policy
Complete healthcare protection for your entire family on individual and floater basis
Senior Citizen
Senior Citizens Red Carpet Health Insurance Policy
The optimum policy for seniors over 60 years of age with several advantages
FHO
Family Health Optima Insurance Plan
Most popular insurance policy with your growing family, on floater basis
Health Insurance Plan for 50+
Star Health Premier Insurance Policy
Healthcare for 50+ with coverage up to Rs. 1Cr
Top-Up
Super Surplus Insurance Policy
Surplus protection at affordable pricing
Other Plans
Star Out Patient Care Insurance Policy
We cover your Out Patient Care . You recover easy and hassle-free.
Medi classic Insurance Policy (Individual)
A favorite insurance plan with family package, health benefits and bonus options.
Diabetes Safe Insurance Policy
A specialised healthcare policy for diabetic patients.
Star Cardiac Care Insurance Policy
Special insurance policy aimed for individuals undergone Cardiac Procedures with manifold benefits
Star Cancer Care Gold (Pilot Product)
First ever Health Insurance product for persons diagnosed with Cancer
Star Criticare Plus Insurance Policy
Protection policy with critical benefits and special advantages.
Star Special Care
A unique policy for children diagnosed with Autism Spectrum Disorder
Star Micro Rural and Farmers Care
The Star Micro Rural and Farmers Care caters to the needs of individuals and their families in rural areas, when they are hospitalized due to an illness or an accident.
Star Hospital Cash Insurance Policy
Star Hospital Cash Insurance Policy Provides additional protection and take care of your incidental expenses such as travelling food etc which are not covered under your Health Insurance Policy in an event of Hospitalization.
Star Health Gain Insurance Policy
Maximum benefits at affordable premiums, available for individuals and family.
Young Star Insurance Policy
Buy Young Star when you are young. Get ceaseless protection and cheer lifelong.
Star Novel Coronavirus (nCoV) (COVID-19) Insurance Policy (Pilot Product)
An affordable care policy for you and your loved ones in the event of COVID-19 (novel coronavirus).
Arogya Sanjeevani Policy, Star Health and Allied Insurance Co Ltd.
A simple policy loaded with essential benefits
Corona Rakshak Policy, Star Health and Allied Insurance Co Ltd.
Boost your immunity by adapting to healthy habits. Protect your savings from COVID 19 with Corona Rakshak Policy
Corona Kavach Policy, Star Health and Allied Insurance Co Ltd.
Shield Yourself Against the Invisible Threat
Star Cardiac Care Insurance Policy-Platinum
Place your heart in safe hands
Star Cancer Care Platinum Insurance Policy
Stop worrying start recovering
Star Critical Illness Multipay Insurance Policy
Come Out Stronger
Star Health Assure Insurance Policy
Wider Protection to you and your family
What is Health Insurance?
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.
Most of the Health insurance plans in India 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.
Benefits of Health Insurance Plans
Star Health Insurance offers various health insurance plans to meet customer’s needs and provides hassle-free in-house claim settlement. On buying 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. On buying our health insurance plans, 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 in India 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.
Best Mediclaim Health Insurance Policy in India
Health Insurance Plans provide Comprehensive Coverage
Star Health insurance policies or mediclaim plans 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 buys a mediclaim policy and 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.
Our Best Health Insurance Plans
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
Buying Individual Health Insurance plans cover an individual person for opted Sum insured, which 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.
List of our Best-Buy Health Insurance Policies
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.
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
On buying our health insurance policy online, avail 5% discount
Waiting period Non- diabetic compilations
PED-48 months
Specific Diseases- 24 months
Initial waiting period – 30 days (except for accidents)
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.
On buying our medical insurance policy online, directly for the first time, avail 5% discount
Waiting period
PED-12 months
Specific Diseases- 12 months
Initial waiting period – 30 days (except for accidents)
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 / 7.5 / 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
10% discount on the renewal premium, by submitting specific medical reports and 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
Star Comprehensive Insurance Policy
As the name itself says, this Health Insurance Plan is an all-inclusive plan that can cover both individual or family with a lifetime renewability benefit.
With individual and family floater coverage, this health insurance plan offers various sum insured options. Depending on their needs, while buying the policy, the 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
On buying our health insurance policy online, avail 5% discount
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)
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. A nominal co-payment of 30% for all claims.
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.
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)
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. On buying the policy, you can 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
On buying our medical insurance policy online, directly for the first time, avail 5% discount
Waiting period
PED-48 months
Specific Diseases- 24 months
Initial waiting period – 30 days (except for accidents)
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
On buying our health insurance policy online, avail 5% discount
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)
Arogya Sanjeevani Policy, Star Health and Allied Insurance Co Ltd
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 buying affordable health insurance covering the basics is on your wish list, then 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)
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
Discounts
25% discount of the premium after every block of two continuous claim free years.
On buying our medical insurance policy online, avail 5% discount
Waiting period
PED- 48/24/12 months (silver/Gold/Platinum)
Initial waiting period – 30 days (except for accidents)
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
On buying our health insurance policy online, avail 5% discount
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.
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. This health plan is specially designed for young adults below 40 who envision a healthy life for themselves and their families.
On buying the plan, you can avail 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
On buying our medical insurance policy online, directly for the first time, avail 5% discount
Early Entry discount - 10% on the premium for renewing after 40 yrs , by purchasing it before 36 yrs
Waiting Periods
PED-12 months
Specific Diseases- 12 months
Initial waiting period – 30 days (except for accidents)
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)
Why Star Health is a Best Health Insurance Company?
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 by Economic Times
Best Health Insurance Provider of the year – Business Today, Money Today Financial Awards 2018–2019
Health Insurance Provider of the year Silver Award by Outlook Money Awards 2018
Reasons to choose Star Health Insurance Company as your Insurance Provider
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 across India. 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 12,000+ 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.
How to claim?
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.
Cashless Facility Procedures:
Approach the insurance desk at a network hospital. Intimation can be given either through contacting us at 044 6900 6900 / 044 4674 5800 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.
Reimbursement claim procedures:
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.
FAQs
Why do I need health insurance?
Health insurance plans assist you in protecting yourself and your near and dear ones from any financial risks or uncertainties that arise due to a medical emergency. A smart health insurance plan from a reliable health insurance provider can help you protect your hard-earned savings and assets when medical emergencies are on the rise.
How to renew my health insurance plan after one year?
The customer has the choice to renew the policy in different ways. You can do one among the following to easily renew your policy after your policy period is over.
Visit the nearest branch, pay the premium and get it renewed.
For online renewals, visit our website and let it take you through the complete renewal process hassle-free.
Call the intermediary and make payment for the premium.
Enjoy the continuity benefits like PED cover, bonus, health check-up, etc, by renewing your policy on or before policy expiry or during the grace period.
However, Star Health and Allied Insurance Co. Ltd. facilitates renewal notice well in advance for your benefit, even though it is not mandatory to inform.The customer is solely responsible for paying the premium towards the policy and enjoy the benefits without any break in the insurance.
What is the maximum number of claims allowed over a year?
Any number of claims is admissible only to the extent of the sum insured and bonus (if any) under the policy.
What is a Family Floater Plan?
When your entire family (self, spouse and dependent children) can be covered under one health insurance plan, it is called the Family Floater Health Insurance Plan. The plan will cover all the medical expenses, including those arising out of sudden illness, accidents, daycare procedures/treatments for your family members as per the policy conditions.
My wife and children reside in Mysore while I live in Bangalore. Can I cover all of us in one policy?
Yes, you can cover the entire family under a single health insurance plan, irrespective of where they reside. Your health insurance policy is valid across India.
Does health insurance cover diagnostic charges like X-Rays, MRI, or ultrasound?
All our health insurance plans cover diagnostic tests like X-ray, MRI, blood tests and more, as long as they are associated with the in-patient hospitalisation for more than 24 hours. If the diagnostic tests are done for evaluation/investigation without positive existence of illness are not payable.
Does any health insurance plan also cover the treatment for an existing disease?
Under any Health Insurance Plan, pre-existing diseases and their complications will be covered after a certain period which is known as time-bound
exclusions. At Star Health we offer policies that cover pre-existing diseases after one year of continuous renewals. Coverage for pre-existing diseases and their complications is product/plan specific. We request you to visit our policy clause to know more about the waiting periods,
exclusions that are exclusive for every policy. Please visit our website to know more.
I intend to buy a Mediclaim Health Insurance Policy. Are there policy provisions that would provide me with lump sum benefits in case of major critical illness or are they limited to treatment?
Yes, we have a policy specially designed based on the customers’ requirement where a lump sum payment can be given on the first diagnosis of listed critical illnesses. Star Health offers health insurance policies like Cancer Care for patients already diagnosed with Stage 1 and Stage 2 of Cancer. We also offer a policy called Star Criticare Plus Insurance Policy where we intend to cover persons for listed critical illnesses. We request you to visit our website to know more about our policies,before you buy our policies.
I have an insurance cover provided by my employer for Rs. 4,00,000 covering my entire family. Can I still take another family health insurance plan from you?
Yes, you can take a family health insurance plan from us subject to providing the details about your existing policy.
The best option would be a top-up plan. For example, Star Super Surplus Policy provides
up to 1 crore coverage with a
defined limit of 3 lakhs which would be very economical and affordable.
What is a Hospital under Mediclaim health Insurance policy?
Under medical insurance, a hospital refers to an institution that offers various medical treatments and performs medical procedures to take care of the patient. For a hospital to be qualified, it should have qualified medical practitioners available round the clock.
A minimum number of beds of 15 in urban and 10 in rural, works 24/7, should have all facilities like ward boys and nursing, ICU and OT, registered as a hospital with the local authority. These are only the minimum qualifications of a hospital.
What do you mean by Network/Non-network hospitalisation?
A ’network hospital’ is a hospital/nursing home that has an agreement and empanelled with Star Health Insurance for providing a cashless facility across India. Non-network hospitals are those with whom we do not have any agreement or empanelment with Star Health. Any policyholder seeking treatment in these non-network hospitals will have to initially pay for the treatment and later claim through a reimbursement procedure. Visit our website to locate the nearest network hospital.
Note: Cashless facility is provided ONLY at the network hospitals.
What is the claim process for non-network hospitals?
Insured gives prior intimation about the treatment and the insured pays the expenses himself to the hospital and 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 hospitals 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.
How can I obtain a claim number or a claim intimation number?
To obtain a claim number, the insured can reach the insurance desk at the hospital and request an intimation to the insurer. Intimation to Star Health Insurance can be done by calling 044 6900 6900 / 044 4674 5800/ 044-28302200 or fax the pre-authorization form to Star Health Insurance at 044 6900 6900/044-28260056 or e- mail us at support@starhealth.in. The insured can procure the pre-authorization form the hospitals or can be downloaded here.
Once the form is received, Star Health Insurance’s internal team of experienced doctors will explore the request and respond with an authorization letter or in some cases, a regret letter.
Can a request for claim be rejected/repudiated?
A request for authorization for claims may be rejected by Star Health Insurance’s doctors based on various reasons.
Reasons why your claim could be rejected but are not limited to:
A claim for Time Bound / Permanent exclusions in a health insurance plan
If Material Facts, are Non-disclosed / Mis – Represented / Fraudulent claims
Claims from Excluded Provider (only Payable during a Life threatening situation / accident up to the stage of stabilization )
If you fail to submit the documents required for the claim
What is the procedure to avail cashless facility during in-hospitalisation?
Fasten your cashless facility in our network hospitals by following simple, six-step process.
Approach the insurance desk at a network hospital and request an intimation.
Intimation can be done by calling 044 6900 6900 / 044 4674 5800 e-mail us : support@starhealth.in.
Submit your Star Health Insurance ID card for identification, pre-admission investigations and doctor’s consultation papers(if any) to the hospital.
Network hospitals will verify your identity and submit a duly filled pre-authorization form to Star Health.
Our doctors verify all the submitted documents before processing the claim as per terms and conditions. An assigned field doctor may visit the patient at the hospital (only if a processing doctor feels to get more information and triggers the field visit).
After discharge, the hospital will send the claim documents to the company and the authorized amount will be settled directly to the hospital.
Note: The difference between the approved amount and actual amount has to be borne by the insured.
What is a Health Card?
A health card is an identity issued by the health insurance company, which will have the policy number, insured details that is sufficient to take a claim number during hospitalisation for value-added services like cashless facilities and many more.
What do you mean by the cashless facility under health insurance plans?
During hospitalisation, normally insured has to pay the hospital bill/treatment expenses out of pocket. Under a cashless facility the insurance company pays the treatment expenses directly to the hospital as per the policy conditions and the remaining should be borne by the insured.
Star Health Insurance offers a cashless facility to reduce the financial burden to the insured at the time of hospitalisation across India.
Is there a minimum period of hospitalisation needed for health insurance plans?
Yes, all Health Insurance Plans need a minimum of 24 hours of hospitalisation. However, this is not applicable for daycare procedures/treatments.
Is there an Income Tax exemption for health insurance policies?
Yes, a premium paid under the Health Insurance Policy is exempted from Income Tax under section 80D of the Income Tax Act. The exemption is up to Rs. 25,000 for an individual covering their family and dependent children.
In case the proposer intends to cover their parents below 60 years under medical insurance, they are eligible for a deduction of another Rs. 25,000 under section 80D. If the age of the parent to be covered is above 60 years, the deduction available is Rs. 50,000 under the same section. If two family members above the age of 60 are insured under one policy, then the deductible tax amount extends to Rs 1 lakh.
Is a medical checkup necessary before buying a Health policy?
Under Star Health Insurance company pre-insurance medical screening is product/plan specific. Please refer to our policy conditions to know more about the requirements, before buying a Health policy.
I am a foreign citizen, can I take a health policy for my child who is continuing further studies in India?
Yes. However, insured can only make claims for treatments taken in hospitals in India within the policy period.
Does any Health Insurance plan cover expenses for outpatient treatment?
Certainly. Star Health offers many plans that provide coverage for outpatients treatments. We recommend Star Comprehensive Insurance Policy designed to give you extensive coverage right from in-patient hospitalisation, daycare procedures, outpatient consultations, treatments, etc. We also recommend Star Outpatient Care Insurance Policy for your specialised needs on OP care. Please visit our website to know more on our policies.
I have been diagnosed with diabetes Mellitus for the past 5 years. Can I take a Mediclaim Policy with you?
Yes. Any disease/illness diagnosed or taking treatment should be disclosed and will be considered as pre-existing disease which would help them during any claim in a later date.
We have various options to address the customer needs.
Option 1: Under a standard policy waiting period varies for a pre-existing diseases (diabetes mellitus/hypertension) is covered after certain period like 48/36/12 months based on the products/plan opted.
Option 2: Innovative product designed only for diabetes called Diabetes Safe Insurance Policy which covers persons with a history of diabetes. The plan not only covers diabetic complications but also other than diabetic complications. To know more about the Diabetes Safe Insurance Policy, please visit Diabetes Safe Insurance Policy.
Is there a health insurance plan to cover my mother who is more than 65 years old and has been diabetic for the past 10 years?
Yes, provided less than 75 years. Senior Citizens Red Carpet Health Insurance Policy is specially designed to give cover for elderly people /s in the age group of 60 and 75 yearsalong with a life-long renewal option. A nominal co-payment of 30% is applicable for all claims under this policy. Above all, pre- existing diseases and their complications are covered after a period of about 12 months. To know more about Senior Citizen Red Carpet Policy please visit our website.
Can I take a health insurance plan for my 3year old child?
Yes. A health insurance plan can be given to a child of 3 years old provided the parent(s) is the proposer.
Can I avail this Health Insurance Plan if I am not an Indian national but live in India?
Yes, foreigners living in India can be covered under a Health Insurance Plan. However, the coverage would be restricted to only treatments performed within India.
How does Planned Hospitalisation work under Health Insurance Plans?
For planned surgery, approach the hospital prior to the date of admission who will send the completed pre-authorization form. Planned Hospitalization can be intimated between 7 to 10 days in advance.
Can I get pre- and post-hospitalisation expenses cover?
Health Insurance Plans allow for reimbursement of pre- and post-hospitalisation of medical expenses incurred towards the ailment/disease for specific days mentioned in the policy clause.
What are the benefits of buying Health Insurance plans online?
Today, in the digital world and the current pandemic situation meeting people would be of high risk. Hence, buying health insurance online is ideal. When you buy health insurance plans online, you deal with the insurance company directly. You can ask them your doubts about the policy and get it clarified which is authentic and updated. Enjoy the benefit of 5% premium discount on your first purchase. Another greatest advantage of buying medical insurance online is that the policy issuance is faster online, allowing you to save time with just a click .
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