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Health Insurance in Kerala

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Why Choose Star Health Insurance?

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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Health Insurance in Kerala


Kerala has a high standard of living and a high literacy rate. However, it also faces many health challenges, such as the rising incidence of lifestyle diseases, the high cost of medical care, and the ongoing infectious disease epidemic like the Nipha virus.


Why do you need health insurance from Star Health Insurance?

Acquiring a dependable and reasonably priced health insurance scheme that encompasses all medical expenditures and furnishes superior healthcare services to safeguard oneself and one's family from the health mentioned above hazards is imperative.

That's why you need Star Health Insurance, India's leading health insurance company. 
Star Health Insurance has it all, whether you are looking for an individual plan, a family health insurance plan, a senior citizen plan, or a corporate plan.


How do you choose Sum Insured Options?


You can choose from various sum insured options, ranging from Rs. 1 lakh to Rs. 100 lakhs, and enjoy benefits such as cashless hospitalization, pre and post-hospitalization expenses, ambulance charges, daycare procedures, delivery expenses, newborn cover, home care treatment, chronic severe refractory asthma treatment, assisted reproduction treatment, and much more.

Star Health Insurance is among the insurers enlisted for this program, enabling beneficiaries to avail cashless medical services.
We are one of the empanelled insurers for this scheme, which means you can get cashless treatment at any of the network hospitals under KASP.


Advantages of Star Health Insurance


Star Health Insurance is not just another health insurance company. It is the health insurance specialist that cares for your health and well-being.

Here are some of the advantages of choosing Star Health Insurance:


  • No pre-medical check-up is required for most of the plans
  • In-house claims settlement team that ensures quick and hassle-free claim processing
  • 24x7 customer support service that helps you with any queries or issues
  • Over 14,000 network hospitals across India where you can get cashless treatment
  • Wellness services include telemedicine, a COVID-19 helpline, a health library, and a wellness program
  • Online policy purchase and renewal facility that saves your time and money


How to Buy Star Health Insurance? 


Buying Star Health Insurance is easy and convenient. You can visit any of the nearest branch offices or contact authorized agents or brokers. Alternatively, you can buy Star Health Insurance online through the official website or any online aggregator such as Policybazaar. 

All you need to do is fill in some basic details such as your name, mobile number, PIN code, age, gender, etc., and get a quote for the plan that suits your requirements. 

Afterwards, it is possible to assess and contrast the characteristics and advantages of various plans, ultimately selecting the one that most suitably aligns with your requirements and financial means.

Subsequently, the premium can be conveniently settled online through secure payment methods, including credit cards, debit cards, net banking, and UPI. Your policy document will be promptly delivered to your email inbox upon completion.
So what are you waiting for? Get yourself insured with Star Health Insurance today and enjoy a healthy and happy life!


Eligibility Criteria:


The eligibility criteria for Star Health Insurance may vary depending on your plan type. However, some of the common standards are:

- You must be between 18 years and 65 years of age at the time of entry for most of the plans.
- You can cover your dependent children from 3 months to 25 years of age along with you in some of the plans.
- You do not need to undergo any pre-medical check-up for most of the plans.


Claim settlement ratio of Star Health Insurance

The claim settlement ratio of Star Health Insurance denotes the proportion of claims that the insurer has resolved about the total number of claims received within a given fiscal year. 

As per the most recent information provided by IRDAI, the claim settlement ratio for Star Health Insurance during 2022-23 stood at 90.01%. This signifies that out of every 100 claims received, we have successfully settled 90 claims.


How to renew Star Health Insurance online?

You can renew your Star Health Insurance policy online through the official website or any aggregator such as Policybazaar.
All you need to do is enter your policy number and date of birth and pay the renewal premium using secure payment modes such as credit card, debit card, net banking, UPI, etc. You will receive your renewed policy document in your email.


Exclusions under Star Health Insurance plans

Exclusions are the conditions or situations not covered by your health insurance plan. Some of the standard exclusions under Star Health Insurance plans are:

 - Pre-existing diseases or injuries diagnosed or treated within 48 months before the policy's inception.
 - Any expenses incurred due to war, invasion, civil unrest, nuclear contamination, etc.
 - Any expenses incurred due to cosmetic surgery, dental treatment, weight loss treatment, etc., unless necessitated by an accident or illness.
 - Any expenses incurred due to alcohol or drug abuse, self-inflicted injury, suicide attempt, etc.
 - Any expenses incurred from participating in hazardous activities such as adventure sports, racing, etc.


Please refer to the policy document or contact the customer care service for more details.


How can I avail cashless treatment under Star Health Insurance?


  • Cashless treatment is a facility where you do not have to pay any money upfront to the hospital for your treatment. Instead, the insurer shall settle the bill directly with the hospital. It is imperative to adhere to the following steps to avail cashless treatment under Star Health Insurance:
  • Find a network hospital near you from the list of over 14,000 hospitals across India where Star Health Insurance has a tie-up.
  • Inform the insurer about your hospitalization at least 24 hours before in case of planned admission or within 24 hours after in case of emergency admission.
  • Show your Star Health ID card along with the other documents as required to complete the pre-authorization form.
  • The hospital will send the form to the insurer for approval.
  • Once approved, you can start your treatment at the hospital.


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


How can I contact Star Health Insurance customer care service?

You can contact Star Health Insurance customer care service through any of these modes:

- Call toll-free number **1800-425-2255** or **1800-102-4477** anytime from anywhere in India. 
- Email your query or send your feedback to the website's support page.
- Visit any of the nearest branch offices or contact any of the authorized agents or brokers.
- Chat online with a customer care executive through the official website


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