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Health Insurance in Gurgaon

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As a Health Insurance specialist, we extend our services from offering tailor-made products to fast in-house claim settlements. With our growing network of hospitals, we ensure easy access to fulfill your medical needs.

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Gurgaon, officially known as Gurugram, is a city that offers a wide range of amenities, including a high standard of living, modern housing, corporate offices, entertainment venues, and top-notch healthcare facilities. However, residents of Gurgaon face numerous challenges due to their fast-paced lifestyle. These challenges include air and noise pollution, heavy traffic congestion, sedentary habits, unhealthy diets, and work-related stress, all of which harm their health.  The city has witnessed a rise in respiratory ailments such as Chronic Obstructive Pulmonary Disease (COPD), asthma, and lung cancer, primarily due to the inhalation of polluted air. While Gurgaon boasts world-class medical facilities, the cost of receiving quality treatment at private hospitals has skyrocketed.  

This financial burden extends beyond hospitalization expenses and encompasses additional costs such as ambulance fees, medication, and diagnostic tests. Consequently, Gurgaon's health insurance is a reliable financial safety net during emergencies.  



Gurgaon, also known as Gurugram, is a region within the state of Haryana and is recognized as one of the fastest-growing urban areas in the nation. Approximately 30 kilometres from New Delhi, Gurgaon is a prominent centre for numerous major IT companies and industries. Presently, over 300 corporations listed in the Fortune 500 have established offices in Gurgaon. Nevertheless, despite its economic success, the city remains vulnerable to various common health hazards that affect its population. Moreover, Gurgaon is among the most densely populated cities globally and suffers from severely compromised air quality, with an air quality index that exceeds the acceptable range by 17 times. 

Consequently, this, along with other contributing factors, has underscored the necessity for health insurance coverage for Gurgaon residents. Furthermore, individuals residing in Gurgaon are susceptible to lifestyle diseases. Therefore, they should consider health insurance plans that provide access to high-quality healthcare for their families.  

Star Health Insurance offers medical insurance policies in India that grant policyholders access to benefits from over 60 network hospitals in Gurgaon. These hospitals facilitate cashless hospitalization benefits for individuals with valid Star health insurance plans in India.  

Over the past few years, healthcare costs in India have experienced a significant surge. Hospitalization expenses have skyrocketed, placing immense financial strain on the patient's family. However, with Star Health Insurance policies in Gurgaon, individuals can obtain cashless hospitalization coverage, alleviating the burden of managing substantial sums of money before commencing treatment.  

Our health policies also provide the opportunity to avail of health insurance tax benefits. Upon completion of the treatment, our representatives will liaise with the hospital to settle the bill, enabling patients to concentrate solely on their recovery while we address their financial concerns.



Star Health Insurance offers top-quality healthcare and medical treatment, ensuring financial security. This health insurance policy guarantees that you and your family will receive exceptional medical care at any hospital you choose.  

  • With a vast network of over 5000 hospitals nationwide, Star Health Insurance provides a diverse range of health insurance plans that safeguard against the escalating medication costs in the modern era.  
  • These plans are the most logical choice for individuals seeking extensive coverage at an affordable price, thanks to their reasonable premiums and an impressive Star health claim settlement ratio of 90%.  
  • Additionally, these policies offer comprehensive health coverage for individuals, families, and senior citizens while also providing tax benefits under section 80D
  • For Indians residing abroad who frequently visit or plan to permanently return to India, purchasing Star Health Insurance plans is highly advantageous.


How to Buy an Online Star Health Insurance Plan? 

Here are a few steps to buy a Star Health Insurance plan online:  

Step 1: Visit the Star Health Insurance website  

Step 2: Click on the 'Buy Now button 

Step 3: Enter all the requested information 

Step 4: Select an insurance plan as per your requirements 

Step 5: Pay the premium, and you will receive the policy documents at your registered email address  


Documents Required

For Cashless Claim

Here is a list of documents that one should provide to file a cashless claim with Star Health Insurance:  

  • Health card  
  • Discharge Summary 
  • Pharmacy invoices with prescriptions  
  • Doctor's consultation sheets 
  • Investigation reports (includes blood reports, X-rays, and scans) 
  • KYC documents (for claims more than 1 lakh)  
  • Medico-Legal Certificate (MLC) and or FIR copy in the event of an accident 


For Reimbursement Claim

The documents required for a reimbursement claim settlement process are as follows:  

  • Health card  
  • Completed claim form  
  • Discharge summary  
  • Pharmacy invoices and prescriptions  
  • Doctor's consultation documents  
  • Pre-admission investigations with reports  
  • Hospital receipts  
  • KYC documents  
  • NEFT information, email address, and contact information 
  • Medico-Legal Certificate (MLC) and or FIR copy in the event of an accident  



Star Health Insurance Company provides a diverse range of health insurance plans to satisfy the varying needs of its customers. These plans are designed to offer comprehensive coverage and benefits to policyholders. The following are some of the plans offered by Star Health Insurance:  

  1. Star Comprehensive Insurance Plan: This plan is ideal for those who require extensive coverage without any capping on room rent or treatment costs. It covers bariatric surgical procedures, air ambulance expenses, and second opinion consultations with doctors.  
  2. Star Family Health Optima Insurance Plan: This plan is designed to cover families under a single policy, with a maximum sum insured limit of 25 lakh rupees. It includes coverage for newborn babies, domiciliary hospitalization, donor expenses, and assisted reproductive treatments.  
  3. Star Senior Citizens Red Carpet Insurance Plan: This plan is specifically for individuals above the age of 60 years, with a maximum sum assured limit of 10 lakh rupees. It does not require pre-medical screening and covers pre-existing illnesses after two consecutive years of the policy term.  
  4. Star Health Gain Insurance Plan: This plan is suitable for individuals and families, including children and spouses, with an age limit of 65 years to purchase the policy.  
  5. Star Super Surplus Insurance Plan: This top-up plan offers additional coverage for a small extra premium. Pre-medical tests are not required and are available in Silver Plan and Gold Plan.  
  6. Star MediClassic Insurance Plan: This plan offers coverage to HIV-positive individuals with a CD 4 count above 350 at the time of purchase. However, it does not cover hospitalization expenses related to opportunistic infections.  
  7. Star Cancer Care Gold Insurance Plan: This plan is designed to offer cancer patients health coverage. The insurer pays 50% of the sum insured in a lump sum upon cancer diagnosis, covering expenses related to chemotherapy, radiotherapy, and other cancer treatments. 
  8. Star Diabetes Safe Insurance Plan: It is available for individuals between 18 and 65. This plan covers patients diagnosed with Type 1 and Type 2 diabetes.  
  9. Star Cardiac Care Insurance Plan: This offers coverage for hospitalization expenses up to a specified limit. This plan is available in two variants: silver and gold. Star Health has launched the Star Special Care Insurance Plan, which is specifically designed for children diagnosed with autistic disorders. 
  10. Star Care Micro Insurance Plan: It provides coverage for 405 daycare treatments and is available in individual and family floater options for individuals residing in Tier I and II cities.  
  11. Star Net Plus Insurance Plan: This offers health coverage to individuals diagnosed with HIV.  
  12. Star Criticare Plus Insurance Plan: You have 9 specified critical illnesses under this coverage. The insurer pays a lump sum amount upon diagnosis.  
  13. Star Family Delite Insurance Plan: It is an affordable family floater plan designed to cover the policyholder and their entire family under a single policy.



The benefits of purchasing Star Health Insurance are numerous. This well-known and reputable company in the health insurance industry offers a wide range of affordable health insurance products, including individual health plans, family health insurance plans, group plans, and plans specifically designed for senior citizens, diabetics, and cancer patients.  

One of the critical advantages of Star Health Insurance is its efficient claim support. They provide 30 minutes of claim support in over 120 cities, ensuring a quick and hassle-free claims process. They also assign a dedicated relationship manager to each customer, providing personalized assistance and guidance throughout the insurance journey. Their claims assistance is available 24/7, with a guaranteed response time of 30 minutes. 

Another benefit of choosing Star Health Insurance is the convenience of instant policy issuance. They offer policies without the need for medical tests, saving time and effort for the policyholder. The insurer provides these savings and benefits by the IRDAI-approved insurance plan, and standard terms and conditions apply.  

Furthermore, Star Health Insurance covers COVID-19 treatment in all their health plans, providing comprehensive coverage during these challenging times.  

They also extend their coverage to include autistic children, demonstrating their commitment to inclusivity and support for individuals with special needs. Hospital expenses can be a notable financial burden for individuals and families. Star Health Insurance recognizes this and aims to alleviate the financial stress of severe illnesses and hospitalization.  

By choosing Star Health Insurance, policyholders can rely on their policy to help cover the costs of hospital bills, providing much-needed financial support during difficult times. In conclusion, the benefits of purchasing Star Health Insurance are evident.  

Their range of affordable health insurance products, efficient claim support, personalized assistance, instant policy issuance, and coverage for COVID-19 treatment and autistic children make them a reliable and valuable choice for individuals and families seeking comprehensive health insurance coverage.


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