Star Health Insurance (officially Star Health and Allied Insurance Co. Ltd.), being the first standalone health insurance provider in India, was established in 2006. We are a leading pioneer of specialised health insurance policies, setting ourselves apart from general insurers.
We have been a retail-focused market leader in the health insurance segment with a strong foothold in the Tier 2 & Tier 3 cities. Star Health offers cashless hospitalisation in over 14,000+ network hospitals and handles claims in-house, which assures transparent and fast processing without third-party intermediaries.
At Star Health, we offer different types of health insurance policies that are designed based on the customer demands, such as individual health insurance, family floater health insurance, senior citizen health insurance, top-up health plans, critical illness plans, maternity health insurance plans, hospital cash insurance, disease-specific plans, etc.
Let’s have a deeper look into the top health insurance plans that are prominently offered by Star Health Insurance. This will help you buy health insurance in a quicker and more reliable way:
It is one of the recently launched and flagship health policies under Star Health that offers coverage between Rs. 7.5 lakhs and Rs. 1 crore. With the “limitless care” option, the insured gets unlimited medical coverage once in the policy lifetime.
Also, the ‘freeze your age’ benefit allows the policyholder to freeze the entry age, and the premium is charged on that age until a claim is raised. The Super Star plan offers a 100% additional sum insured at each renewal and unlimited restoration of the sum insured.
Features of the Super Star Plan:
It is a multi-rider add-on designed to enhance personalization and flexibility within the Super Star plan. It includes three variants, namely Essential, Preferred, and Secure. These variants provide options for a broad range of customers, from initial buyers to smaller towns and experienced policyholders.
It has gained popularity among the insured due to its customer-centric benefits and flexible coverage. The three variants under Star Flexi provide varying coverage features and levels:
The Star Family Health Optima Insurance Plan is an all-in-one floater policy designed to safeguard your entire family under a single sum insured. With restoration of sum insured and no-claim bonus options, it ensures enhanced protection year after year. Policyholders can enjoy cashless treatment at network hospitals and tax benefits under Section 80D.
Features of Family Health Optima Insurance Plan:
Being Star Health’s flagship individual health policy and designed for individuals and families, it serves as a reliable and foundational insurance plan that offers a broad range of coverage for medical expenses. It comes with the added benefit of automatic restoration of the sum insured, and the health check-up benefit provided for each claim-free year promotes preventive care.
While being a classic plan, it has been updated to include modern treatments, ensuring policyholders are covered for advanced medical procedures. It strikes a balance between comprehensive features and affordability, making it a popular choice for first-time insurance buyers.
Features of Medi Classic Insurance Policy:
The Star Comprehensive Insurance Policy is a premium and all-inclusive health plan offering one of the widest ranges of coverage. It is designed for those who want maximum protection with minimal limitations.
Beyond standard hospitalisation, it covers outpatient dental and ophthalmic treatments, maternity and newborn expenses, and air ambulance costs. A key highlight is that it has no cap on room rent or treatment costs. The policy also includes a 100% restoration benefit and provides personal accident coverage for death and permanent total disablement, making it a truly comprehensive safety net.
Features of the Star Comprehensive Insurance Policy:
The Senior Citizens Red Carpet Health Insurance Policy is exclusively designed for individuals aged between 60 and 75 years. Its most significant feature is that it does not require any pre-policy medical screening, removing a major barrier for seniors seeking insurance.
It offers comprehensive coverage for hospitalisation and daycare procedures. Crucially, it covers pre-existing diseases after a very short waiting period of just 12 months. The policy also provides a sub-limit for outpatient medical consultations, addressing the frequent need for doctor visits in old age. It is a thoughtfully designed plan for the healthcare needs of the elderly.
Features of Senior Citizens Red Carpet Health Insurance Policy
This is a specialised policy for individuals diagnosed with either diabetes mellitus (type 1 or type 2). The plan offers two sections: one for regular hospitalisation and another that specifically covers diabetes-related complications from day one, with no waiting period.
This immediate coverage for diabetic issues is its core strength. It also covers the cost of regular diabetic check-ups and provides personal accident coverage. This policy ensures that individuals with diabetes can get comprehensive health coverage that addresses their specific condition without long waiting periods for related claims.
Features of the Diabetes Safe Insurance Policy:
This policy is tailored for individuals up to 40 years of age and promotes a healthy lifestyle through incentives. Its standout feature is the premium discount available upon renewal if the insured person meets specified wellness parameters.
The policy offers automatic restoration, covers modern treatments, and provides an incentive-based wellness program. It comes in two variants, Silver and Gold, with the Gold plan offering enhanced benefits like delivery expenses and a hospital cash benefit. It's an affordable, forward-looking plan that rewards young adults for staying healthy while providing robust protection.
Features of Young Star Insurance Policy:
Smart Health Pro is a value-based health plan offering high sum insured options at a competitive premium. It is designed for discerning customers who want robust coverage without excessive frills.
A key attraction is the "No Claim Bonus" of up to 100%, effectively doubling your cover over time without an increase in premium. It also provides unlimited automatic restoration, making it a very secure option for handling multiple hospitalisations in a single year.
Features of Smart Health Pro Policy:
Star Health Assure is a straightforward and dependable insurance policy that offers guaranteed benefits with fixed terms. It operates on the principle of providing assurance and simplicity. A major feature is the "Assured No Claim Bonus" of 25% for each claim-free year, up to a maximum of 100%.
This is a guaranteed bonus, unlike standard policies. The plan provides a wellness benefit in the form of a discount on the renewal premium. With a 3-year fixed premium option and automatic restoration, this policy is ideal for those who prefer predictability and guaranteed value.
Features of Star Health Assure Insurance Policy:
This is a comprehensive policy specially designed to meet the unique health needs of women at every stage of their life. It covers regular hospitalisation, but its true value lies in its extensive coverage for maternity, including C-section delivery, pre- and post-natal care, and even assisted reproduction treatment after a waiting period.
It also provides automatic cover for the newborn baby (if the insured has opted for a maternity cover) without any extra premium. Additionally, it offers a lump sum benefit upon diagnosis of female-specific cancers. It is a holistic plan that empowers women to take charge of their health with confidence.
Features of the Star Women Care Insurance Policy:
The Star Health Premier policy is a high-end plan crafted for high-net-worth individuals (HNIs) and those seeking premium services. It is designed for individuals over 50 years of age. A key feature is the coverage for non-medical items, which are typically excluded in other policies. The plan has no sub-limits on room rent or specific treatments.
It covers pre-existing diseases after a significantly reduced waiting period of just 12 months. With a high sum insured and extensive benefits like air ambulance and outpatient coverage, it offers a truly premier and hassle-free healthcare experience.
Features of Star Health Premier Policy:
Star Health Gain is a unique, flexible policy that provides coverage for both in-patient and out-patient medical expenses. The premium paid is split into two parts, with one portion available to cover outpatient expenses like doctor consultations, pharmacy bills, and diagnostic tests.
The other portion is used for inpatient hospitalisation claims. Any unused outpatient benefit can be carried forward to the next year, adding a savings element to the policy. This plan is ideal for individuals and families who have frequent outpatient expenses and want a single plan to manage all their health costs.
Features of Star Health Gain Insurance Policy:
This is a benefit-based critical illness policy designed for individuals who have already been diagnosed with cancer. It provides a lump sum payout on the first diagnosis of a recurrence, metastasis, or a second unrelated cancer.
Beyond the lump sum, it also offers an indemnity section that covers hospitalisation expenses for cancer treatment and other illnesses. This dual benefit—lump sum plus hospitalisation cover—makes it a powerful tool for cancer survivors, providing financial support to manage the high cost of ongoing treatment and potential relapses.
Features of Star Cancer Care Platinum Insurance Policy:
This is a super top-up policy, not a standalone health plan. It is designed to enhance your existing health insurance coverage at a very low cost. It works by covering medical expenses only after they cross a certain predefined limit, known as the "deductible" or "threshold."
For example, if you have a deductible of ₹5 lakhs, this policy will pay for all eligible expenses above ₹5 lakhs, up to the sum insured. It's an excellent way to get a very high amount of coverage (e.g., ₹1 crore) without paying a high premium.
Features of Super Surplus Insurance Policy:
This policy is specially created for individuals who have undergone a cardiac procedure or have been diagnosed with a heart condition. It provides comprehensive coverage for both cardiac and non-cardiac ailments. The plan comes in two variants, Silver and Gold, offering coverage for hospitalisation, cardiac checkups, and outpatient expenses.
A crucial feature is that it covers expenses for cardiac-related treatments after a very short waiting period of just 90 days from policy inception. It gives people with pre-existing heart conditions access to quality health insurance.
Features of Star Cardiac Care Insurance Policy:
The Arogya Sanjeevani Policy is a standardised, basic health insurance plan mandated by the IRDAI (India's insurance regulator). Every health insurer must offer this plan with the same core features and wording, making it easy for customers to compare. It provides essential coverage for hospitalisation, pre- and post-hospitalisation, and modern treatments up to a sum insured of ₹10 lakhs.
While the benefits are standard, it includes a 5% cumulative bonus for each claim-free year and covers cataract surgery up to a limit. It’s an ideal, no-frills, entry-level policy.
Features of Arogya Sanjeevani Policy:
This is a "benefit-based" policy, meaning it pays a full, tax-free lump sum amount directly to you upon the diagnosis of a listed critical illness. Its unique "Multipay" feature allows you to claim for critical illnesses up to four times during the policy term, provided each illness falls into a different category (e.g., cancer, heart, brain, kidney).
After a claim is paid, the policy continues. This plan is designed to provide a large amount of cash to manage loss of income and treatment costs associated with life-altering diseases, complementing your standard health insurance.
Features of the Star Critical Illness Multipay Insurance Policy:
We do offer travel insurance and accident insurance policies that provide financial protection during your travels and in case of any accidental injuries, disabilities, or death.
Some of the travel insurance policies are listed below:
Here are a few accident insurance policies listed below:
Star Health Insurance provides a diverse range of health insurance plans, catering to the needs of individuals, families, senior citizens, and those with pre-existing conditions. Here are some of the major reasons to choose Star Health Insurance:
Star Health Insurance offers a straightforward process for filing a health insurance claim, and if you follow the correct steps, you can do it right. The approach differs depending on whether you are opting for a cashless facility at a network hospital or a reimbursement for expenses incurred. Here is a step-by-step guide for both scenarios.
Step 1: Inform Star Health Insurance about the hospitalisation. If it's a planned one, inform us 48 hours in advance. If it's unplanned, inform us within 24 hours either in an email or by calling customer care.
Step 2: Present the necessary documents and Star Health card for identification.
Step 3: Fill out the pre-authorization form and submit it with the doctor’s consultation papers at the hospital.
Step 4: We will verify the documents and process the cashless treatment.
Step 5: Once the treatment is completed, the hospital shares the bill with us. The in-house claims team will authorize the payment and pay the claim directly to the hospital.
Step 1: Notify Star Health Insurance about the hospital admission.
Step 2: Get the treatment required and pay all the medical bills while getting discharged.
Step 3: Collect all the medical bills and payment receipts before leaving the hospital.
Step 4: Fill out the Star Health claim form and submit it along with the hospital documents to the insurer.
Step 5: We will review the documents and pay the claim amount.
In conclusion, Star Health Insurance stands as an influential player in the Indian insurance landscape, distinguished primarily by its status as a leading standalone health insurer.
Its sole specialisation in health and allied insurance products has made it develop in-depth expertise and a diversified portfolio serving a broad base of society—from youths and families to old-age citizens and those with pre-existing conditions.
We’re Star Health. We offer the coverage that’s designed to help keep you healthy. It's the care that comes to you, and stays with you.