Reach Us

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

Contact Us

Sales & Services
044 6900 6900
For Other Users
(044)- 2831 9100 / 2853 2060 / 2853 2030

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.



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

  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.
    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.
    FeaturesCriteria
    Entry age (for adult)18 years to 65 years
    Policy period1 year/2 years/3 years
    Sum Insured in INR3 / 4 / 5 /10 lakhs
    Product typeIndividual/Floater
    DiscountsOn buying our health insurance policy online, avail 5% discount
    Waiting period Non- diabetic compilationsPED-48 monthsSpecific Diseases- 24 monthsInitial waiting period – 30 days (except for accidents)
  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.
    FeaturesCriteria
    Entry age (for adult)18 years to 65 years
    Dependent children91 days to 25 years
    Policy period1 year/ 2 years
    Sum Insured in INR
    Individual - 5 / 7 / 10 / 15 / 20 / 25 / 50 / 75 / 100 Lakhs
    Floater -- 5 / 10 / 15 / 20 / 25 / 50 / 75 / 100 Lakhs
    Product typeIndividual and Floater
    DiscountsOn buying our medical insurance policy online, directly for the first time, avail 5% discount
    Waiting periodPED-12 monthsSpecific Diseases- 12 monthsInitial waiting period – 30 days (except for accidents)
  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.
    FeaturesCriteria
    Entry age 7 years to 70 years
    Policy period1 year/ 2 years / 3 years
    Sum Insured in INR5 / 7.5 / 10 /15 lakhs
    Cumulative BonusUp to 100% of basic sum insured
    Pre-acceptance Medical ScreeningNot required
    Automatic Restoration100% of basic sum insured applicable for non-cardiac ailments
    Product typeIndividual
    Discounts
    10% discount on the renewal premium, by submitting specific medical reports and are normal.
    Waiting period Non-cardiac AilmentsPED-48 monthsSpecific Diseases- 24 monthsInitial waiting period – 30 days (except for accidents)
    Waiting Period Cardiac Ailments30daysHeart transplantation 24 months
  4. 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.
    FeaturesCriteria
    Eligibility (for adult)18 – 65 years
    Dependent Children91 days - 25 years
    Policy period1 year/2 years/3 years
    Installment facility for premium paymentQuarterly/Half-yearly
    Sum Insured in INR5 / 7.5 / 10 / 15 /20 /25 /50 /75 / 100 Lakhs
    Product typeIndividual and Floater
    Discounts
    2% - 10% - on Renewal Premium under Wellness Rewards Program
    On buying our health insurance policy online, avail 5% discount
    Waiting PeriodsPED-36 monthsOption to buy-back PED. Waiting periods reduced to 36 months to 12 monthsSpecific Diseases- 24 monthsInitial waiting period – 30 days (except for accidents)
  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. 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.
    SubjectCriteria
    Entry Age60 years to 75 years
    RenewalLifelong
    Policy period1 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 ScreeningNot Required
    Co-paymentFor S.I. :- 1 / 2 / 3 / 4 / 5 / 7.5 / 10 / 15/ 20/ 25 Lakhs (All Claims – 30%)
    Discounts
    5 % on online Purchase & Renewals
    10% of the premium will be allowed if the proposer produces the following documents
    1. Stress Thallium Report
    2. BP Report
    3. Sugar (blood & urine)
    4. Blood urea & creatinine
    Waiting periodPED-12 monthsSpecific Diseases- 24 monthsInitial waiting period – 30 days (except for accidents)
  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. 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.
    FeaturesCriteria
    Entry age (for adult)18 years to 65 years
    Dependent children16 days to 25 years
    Policy period1 year
    Sum Insured in INR3 / 4 /5 /10 /15 /20 /25 lakhs
    Product typeFloater
    DiscountsOn buying our medical insurance policy online, directly for the first time, avail 5% discount
    Waiting periodPED-48 monthsSpecific Diseases- 24 monthsInitial waiting period – 30 days (except for accidents)
  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.
    SubjectCriteria - Gold
    Entry Age16 days to 65 years
    Individual (1A) A= Adult
    RenewalLifelong
    Policy period1 year/ 2 years / 3 years
    Sum Insured in INR3 / 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 periodPED-48 monthsSpecific Diseases- 24 monthsInitial waiting period – 30 days (except for accidents)
  8. 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.
    SubjectCriteria
    Entry Age18 years to 65 years
    Dependent Children – 3 months to 25 years
    RenewalLifelong
    Policy period1 year
    Sum Insured in INR0.5 lakh to 10 lakhs ( multiples of 50 thousand)
    Co-payment5% to all admissible claims
    Discounts20% discount for rural population
    Waiting periodPED-48 monthsSpecific Diseases- 24/48 monthsInitial waiting period – 30 days (except for accidents)
  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.
    SubjectCriteria
    Entry Age18 years to 50 years
    Dependent Children – 31 days to 25 years
    RenewalLifelong
    Policy period1 year
    Sum Insured in INR25,000 / 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 periodPED- 48/24/12 months (silver/Gold/Platinum)Initial waiting period – 30 days (except for accidents)
  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.
    SubjectCriteria
    Entry Age18 years to 50 years
    Dependent Children – 91 days to 25 years
    RenewalLifelong
    Policy period1 year / 2 years / 3 years
    Plan OptionsBasic Amount (per day) options1000/- , 2000/-, 3000/-Enhanced Amount (per day) options3000/-, 4000/- , 5000/-
    No. of days30 / 60 /90/ 120/18090 / 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.
  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. 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.
    SubjectCriteria
    Entry Age18 years to 40 years
    Dependent Children – 3 months to 25 years
    RenewalLifelongPlan options
    • Gold
    • Silver
    Policy period1 year / 2 years / 3 years instalment Premium – quarterly / half yearly
    Sum Insured in INR3 / 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 PeriodsPED-12 monthsSpecific Diseases- 12 monthsInitial waiting period – 30 days (except for accidents)
  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.
    SubjectCriteria
    Entry Age18 years to 65 years
    Dependent Children – 12 months to 25 years
    RenewalLifelong
    Policy period1 year
    Sum InsuredIndividual - 1 lakh
    Floater – 2 lakhs
    Co-payment20% to all admissible claims, if entry is 61 years & above
    Waiting periodPED-6 monthsSpecific Diseases - 6 monthsInitial 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.

Other Products

Health Insurance Plans for Parents

Golden opportunity to reciprocate the love, care and support to your parents.

Group Health Insurance

Customize your healthcare protection for your employees

Health Insurance for Individual

Protect yourself with the best health insurance plan crafted specially for individuals

Welcome to Star Health
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