Cashless hospitalisation enables you to use hospital services without having to worry about paying hospital expenses. The insurance provider works directly with the hospital to pay the expenditures according to your insurance policy.

Cashless hospitalisation is applicable for both planned and unplanned hospitalisation. During planned hospitalisation, you submit a request for cashless hospitalisation to the insurance provider before entering the hospital. In case of unplanned hospitalisation, you can contact the insurance company after being admitted.

As per the insurance policy clause, the insurance company will provide coverage for both planned and unplanned hospitalisations.

Fasten your cashless facility in our network hospitals by following simple, six-step process.

1.Approach the insurance desk at a network hospital and request an intimation.

2.Intimation can be done by calling 044 6900 6900 / 044 4674 5800 e-mail us : support@starhealth.in.

3.Submit your Star Health Insurance ID card for identification, pre-admission investigations and doctor’s consultation papers(if any) to the hospital.

4.Network hospitals will verify your identity and submit a duly filled pre-authorization form to Star Health.

5.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).

6.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.

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.

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.

When your entire family (self, spouse and dependent children) can be covered under one Medical 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 and day care procedures/treatments for your family members as per the policy conditions.

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 policy issuance is faster online, allowing you to save time with just a click.