Medical Health Plans for your individual needs.
Why Choose Star Health Insurance
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Network Hospitals to avail cashless claims
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Cashless final approvals within 3 hours.
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Branch offices across India
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Claims settled since inception
What is Health Insurance?
Medical Insurance or Health Insurance is a shield that protects you from financial instability during health emergencies. Against the common misconception that only elderly or people with health risks need to be secured, it is essential for everyone. A good health policy offers peace of mind in times of hospitalization by taking care of your medical bills. You can buy medical insurance online to ensure quick & efficient service.
Uncertainties like COVID-19 have taught us the critical need for medical insurance. On the other hand, with the continuous spike in healthcare inflation, a good individual health coverage can protect your finances either by providing cashless treatments or reimbursements on the incurred medical expenses. The flexibility of our medical insurance plans for individuals allows you to get the correct plan according to your needs.
Choose from our best policies for individuals according to your unique needs
Star Health Assure Insurance Policy
IRDAI UIN : SHAHLIP23131V022223
For those seeking widest benefits & highest coverage for risk.
Young Star Insurance Policy
IRDAI UIN : SHAHLIP22036V042122
For the young & healthy, seeking a risk protection policy
Star Comprehensive Insurance Policy
IRDAI UIN : SHAHLIP25037V082425
For those seeking complete coverage & pre-existing disease waiting period reduction.
IMPORTANCE OF MEDICAL INSURANCE
Why Do I Need an Individual Health Insurance Plan?
The rising medical costs and an ever-increasing number of diseases make medical insurance a necessity. While doing your financial planning, you should always add a medical insurance plan to your list. The best individual health insurance is the one that meets your needs. At Star Health our expert advisors and array of unique plans ensures you get the best policy according to your requirements.
Why Star Health is one of India’s top health insurance providers ?
As the Medical Insurance Specialist, we extend our services from offering tailor-made quality medical insurance policies to fast in-house claim settlements. With our wide network of hospitals, we ensure easy access to fulfill your medical needs with cashless medical insurance.
Our hassle-free claim settlement process and simple reimbursement policies make us the best medical insurance company in India.
Anywhere Cashless Claims
Now avail Anywhere Cashless Claims all across India. With 14000+ Network Hospitals, we are also one of India’s widest medical coverage providers.
24*7 Customer Service
Call us at 1800-425-2255 for claim intimation, telehealth services and to clear your queries.
In-house Claim Settlement
We’re the first Standalone Health Insurance company to settle the claims without any TPA’s, instead you are secured by our qualified in-house team.
Claim Settlement
90% of our claims are settled under cashless within 2 hrs and 92% of claims are settled under reimbursement within 7 days.
Hospitals
We’ve got you covered by offering the best individual health plans under our valuable service providers, agreed network and network hospitals for quality treatment.
Awards
We’ve been awarded for innovative product, best claim settlement and service provider from reputed survey organizations.
How to Choose the Best Medical Insurance Plan?
Buying an individual medical health insurance is one of the most important investments you’ll ever make. But how does you choose a plan that best fits your needs? Knowing the inclusions and exclusions can help.
Hospitalization Expenses
Most medical insurance plans cover hospitalization expenses such as room rents, ICU charges, surgery expenses, doctor consultations, etc. incurred on illness, injury or accidents.
Pre & Post-Hospitalization
Understanding the impact of rising medical expenses, most policies cover pre and post hospitalization expenses related to in-patient hospitalization.
Day Care Treatment
Technological advancements have reduced the time of surgeries and treatments that once cost a lot of time. Hence, buy a medical insurance that cover Day Care treatments and procedures.
Domiciliary Hospitalization
Some medical insurance policies also cover Domiciliary treatments taken at home on the advice of the medical practitioner.
Organ Donor Expenses
Most medical insurance policies cover Organ Donor Expenses. Organ harvesting and transplantation expenses are covered if the insured person is the recipient.
Road Traffic Accident
Accidents are unpredictable. Most medical insurance plans cover in-patient hospitalizations due to road traffic accidents.
AYUSH Cover
In addition to allopathic treatments, most medical insurance plans also cover alternative systems of medicines such as Ayurveda, Yoga & Naturopathy, Unani, Siddha and Homeopathy.
Health Check-up
In addition to hospitalization and other benefits, medical insurance policies also cover the expenses incurred for health check-up.
Automatic Restoration
What if your medical expenses exceed your sum insured? At such times, the restoration benefit restores 100% of your Sum Insured automatically after its full or partial exhaustion.
Confused? We’ve got the answers
Get all your Health Insurance related doubts clarified.
What is the difference between Individual and Family Floater health insurance plans?
In individual health insurance plans, each individual that holds a policy is entitled up to a chosen sum insured. However, in a family floater health insurance policy, the total sum insured is shared by all the family members in any proportion.
Do I need Individual health insurance policy if I have an employee health insurance already?
Yes. The cover may not be sufficient for an employee, as it might provide only a basic or a limited coverage. Currently, the average coverage requirement ranges above 10 lakhs. In such a case, the individual can buy a top-up plan along with basic employee health insurance cover.
Can I add my family members in Individual health insurance policies?
Yes, you can add your family members in your individual health insurance cover. You can use the mid-term inclusion option, in which you can add a newly wedded spouse / new born baby / legally adopted child.
Is there an age limit to buy Individual health insurance plan?
As per guidelines issued by IRDAI, 65 years would be the maximum entry age for an individual health insurance. Insurers has a flexible option of plans to cover, regardless of age. Once you’re covered, renewal option is for a lifetime.
Will there be any additional costs other than regular premiums to be paid?
No, we do not encourage any additional premium to be paid apart from the premium quoted by the insurance company. If any person or institution asking an additional cost other than the premium, is considered unethical. Premium is the cost of insurance which has to be paid by the proposer to the insurer for the health insurance cover.
STAR Health - trusted by over 70 million families
Here is why
Best health insurance provider of the year 2020 - Financial Services Awards presented by Business Today -Money Today
Health Insurance Company of the year 2019 - India Insurance Summit & Awards 2020
Young Star Insurance Policy won the award for Most Innovative New Product of the Year - SSOCHAMs Insurance E-Summit and Awards 2020
Best Health Insurance Provider of the year 2019 -Financial Services Awards presented by Business Today -Money Today
Hear From Our Happy Customers
‘Happily Insured!’ with Star Health
Speedy & efficient means thru which my mediclaim was reimbursed to me. There is a huge improvement in services rendered by your organisation over the years. Thank you once again.
Sanjay Tandon
I received help from Star during my surgery and recovery. And my faith in the company has increased a lot. Thanks a lot.
Damayanti Upandhye
I didn’t really know that filing and getting my claim processed could be literally this easy. I took care of myself while the Star Health team took care of the cashless bill settlement at the hospital.
Abhi Patvardhan
Speedy & efficient means thru which my mediclaim was reimbursed to me. There is a huge improvement in services rendered by your organisation over the years. Thank you once again.
Sanjay Tandon
I received help from Star during my surgery and recovery. And my faith in the company has increased a lot. Thanks a lot.
Damayanti Upandhye
I didn’t really know that filing and getting my claim processed could be literally this easy. I took care of myself while the Star Health team took care of the cashless bill settlement at the hospital.
Abhi Patvardhan
Speedy & efficient means thru which my mediclaim was reimbursed to me. There is a huge improvement in services rendered by your organisation over the years. Thank you once again.
Sanjay Tandon
I received help from Star during my surgery and recovery. And my faith in the company has increased a lot. Thanks a lot.
Damayanti Upandhye
I didn’t really know that filing and getting my claim processed could be literally this easy. I took care of myself while the Star Health team took care of the cashless bill settlement at the hospital.
Abhi Patvardhan