Star Health Insurance

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Star Health Insurance: Protecting Your Health and Wealth


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:

 

1. Super Star Plan (UIN: SHAHLIP25036V012425)

 

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:

 

  • You will get an automatic restoration of the sum insured an unlimited number of times, even for related illnesses.
  • You can choose any hospital room category without any sub-limits.
  • Based on your entry age, premiums are fixed, and they don’t increase due to claims.
  • This plan offers 21 optional covers and enables you to customize the policy based on specific preferences.

 

2. Star Flexi Plan (UIN: SHAHLIA26040V012526)
 

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:

 

  • Essential: It is targeted towards value-conscious customers and first-time buyers in Tier 2 and Tier 3 markets. The coverage for this plan starts at Rs. 5 lakh, which includes day care procedures, single private room hospitalisation, AYUSH treatments, and SI multiplier longterm policy.
  • Preferred: It is designed for professionals and families seeking stabilized coverage with long-term benefits. This variant offers health booster benefits, no cap on room rent, premium return after claim-free years, air ambulance cover up to Rs. 5 lakh, and additional health services.
  • Secure: It is tailored for experienced customers who are looking for comprehensive protection. Features include an unlimited sum insured, no room rent cap, wellness program access, a limitless loyalty bonus on renewals, air ambulance cover upto Rs. 5 lakh, durable medical cover upto 1L, nursing at home, and consumable covers.
     

3. Family Health Optima Insurance Plan (UIN: SHAHLIP25039V082425)

 

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:
 

  • It is a single policy with a single sum insured that covers your entire family (self, spouse, and dependent children).
  • The sum insured ranges from Rs. 1 lakh to Rs. 25 lakhs, and lifelong renewal of policy is available for all policyholders.
  • It provides 100% automatic restoration of the basic sum insured if it gets fully used up during the policy year.
  • This policy covers medical expenses incurred up to 60 days before you are admitted to the hospital and up to 90 days after discharge.
  • This plan offers wide-ranging benefits, including hospitalisationexpenses, newborn baby cover, ambulance charges, and day-care procedures.
  • It includes annual health check-upsfor a claim-free year, organ donor expenses, and coverage for alternative treatments like AYUSH.

 

4. Medi Classic Insurance Policy (Individual) (UIN: SHAHLIP25038V082425)

 

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:

 

  • It is available for both individuals and families, and you will get 200% restoration of the basic sum insured upon exhaustion.
  • The customers get benefits that are available for every block of two consecutive claim-free years.
  • You can earn a bonus of 5% for every claim-free year, up to a maximum of 25%.
  • The policy includes coverage for modern treatmentsthat are subjected to limit.

 

5. Star Comprehensive Insurance Policy (UIN: SHAHLIP25037V082425)

 

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:

 

  • You can get no capping on room rent, i.e., you can pay for a private single A/C room at the hospital.
  • The policyholder can get extensive coverage for delivery and newborn expenses along with the expenses for dental and vision-related treatments.
  • You will get the personal accident cover benefit against accidental death and permanent total disability.
  • Sum insured is restored completely upon exhaustion, and you will get the health checkup benefit for every claim-free year.

 

6. Senior Citizens Red Carpet Health Insurance Policy (UIN: SHAHLIP25027V072425)

 

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

 

  • It is ideal for individuals aged 60 to 75 years, and no pre-policy medical screening is required.
  • Pre-existing diseases are covered after only 12 months, and it covers costs for medical consultations on an outpatient basis. 
  • The policy includes hospitalisation, ambulance charges, modern treatment costs, and daycare procedures.

 

7. Diabetes Safe Insurance Policy (UIN: SHAHLIP23081V082223)

 

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:

 

  • It is specifically designed for individuals diagnosed with diabetes mellitus and covers hospitalisationfor diabetes-related complications from day 1.
  • This health insurance policy has two variants: Plan A and Plan B, with varying levels of coverage.
  • It includes a 100% personal accident death cover and covers costs for diabetes-related health monitoring.
     

8. Young Star Insurance Policy (UIN: SHAHLIP25035V052425)

 

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:

 

  • This policy is ideal for individuals aged 18 to 40 years and offers renewal premium discounts for maintaining a healthy lifestyle.
  • It helps to restore the sum insured up to 100% upon exhaustion and allows for the inclusion of a spouse and newborn during the policy term.
     

9. Smart Health Pro (UIN: SHAHLIP23172V012223)

 

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:

 

  • You will have high sum insured options that range up to ₹1 crore.
  • You will have the chance to get up to 100% of the basic sum insured as a cumulative bonus.
  • This plan offers unlimited automatic restoration of the sum insured for different illnesses.
  • It offers discounts on renewal premiums for staying active and the freedom to choose any hospital room.
     

10. Star Health Assure Insurance Policy (UIN: SHAHLIP23131V022223)

 

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:
 

  • You will get an assured and a guaranteed 25% NCB each claim-free year, up to 100%.
  • You will have the option to pay the premium for 3 years at once, locking in the price.
  • This plan provides a discount on renewal for maintaining good health and restores the sum insured 100% upon exhaustion.
  • This plan is available for both individuals and families.
     

11. Star Women Care Insurance Policy (UIN: SHAHLIP23132V022223)

 

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:

 

  • This plan is designed for women aged 18 to 75 and provides comprehensive coverage for delivery and assisted reproduction treatment.
  • It includes all expenses for the newborn, including vaccinations, and provides a payout on diagnosis of specified female cancers.
  • This policy includes health check-ups and preventive care benefits.

 

12. Star Health Premier Insurance Policy (UIN: SHAHLIP22226V012122)

 

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:

 

  • This plan is designed specifically for individuals aged 40 years and above.
  • It offers sum insured options up to ₹1 crore and covers pre-existing diseases after only 24
  • It pays for non-medical items like gloves, masks, and other consumables.
     

13. Star Health Gain Insurance Policy (UIN: SHAHLIP21262V032021)

 

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:

 

  • It is a single plan for both hospitalisationand regular medical bills.
  • It is a flexible & savings-oriented plan where unused outpatient benefits can be carried forward.
  • We need no pre-policy medical test to take up this policy, regardless of age.
  • The premium remains the same irrespective of the insured's age, and the in-patient sum insured increases for claim-free years.
     

14. Star Cancer Care Platinum Insurance Policy (UIN: SHAHLIP22031V022122)

 

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 plan is designed for persons already diagnosed with cancer and provides a lump sum amount on recurrence, metastasis, or a second cancer diagnosis.
  • It covers hospitalisationexpenses for both cancer and non-cancer-related treatments, and the policy is issued without requiring medical tests.
  • It includes coverage for advanced cancer therapies.
     

15. Super Surplus Insurance Policy (UIN: SHAHLIP22035V062122)

 

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:

 

  • It is a super top-up plan that enhances existing health coverage and provides a high sum insured with a low premium option.
  • It is a deductible-based policy and activates only after your medical bills exceed the chosen deductible limit in a policy year.
  • It often requires no medical screening up to a certain age and is available for both individuals and families.
     

16. Star Cardiac Care Insurance Policy (UIN: SHAHLIP22033V022122)
 

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:

 

  • It is designed for people with existing heart conditions and covers cardiac ailments after only 90 days.
  • It has 2 variants: Silver and Gold variants with different levels of benefits and includes coverage for accidental death.
  • It includes costs related to pacemakers and other devices.
     

17. Arogya Sanjeevani Policy, Star Health (UIN: SHAHLIP22027V032122)

 

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:

 

  • It is a standardised policy, and the features and benefits are the same across all insurance companies.
  • It is designed to be a simple, low-cost health plan and comes with a standard 5% co-payment on all claims.
  • It provides a 5% bonus for every claim-free year, up to 50% and capped at 2% of the sum insured, up to ₹5,000 per day.

 

18. Star Critical Illness Multipay Insurance Policy (UIN: SHAHLIP22140V012122)

 

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:

 

  • It is a benefit-based plan and pays a lump sum amount on diagnosis, not based on hospital bills.
  • It has a multipay feature and allows claims for up to 4 different critical illnesses from 4 separate categories.
  • This plan covers 37 critical illnesses and provides a comprehensive list of covered conditions.
  • The policy continues even after a claim has been paid for one category, and the benefit is paid upon diagnosis without a mandatory survival period for most illnesses.

 

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:

 

  • Star Corporate Travel Protect Insurance Policy
  • Star Student Travel Protect Insurance Policy
  • Star Travel Protect Insurance Policy
  • Star Domestic Travel Insurance Policy 
     

Here are a few accident insurance policies listed below:

 

  • Accident Care Individual Insurance Policy
  • Family Accident Care Insurance Policy
  • Saral Suraksha Bima, Star Health and Allied Insurance Co. Ltd.
  • Group Accident Insurance Policy

 

Why Should You Choose Star Health Insurance?

 

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:

 

  1. Vast Hospital Network: At Star Health, you will gain access to India's largest healthcare network with over 14,000+ cashless hospitals that allow you to find a network hospital easily, wherever you are.
  2. In-House Claim Settlement: We offer a smoother and potentially faster claims process as Star Health manages claims directly without involving external Third-Party Administrators (TPAs), leading to a high claim settlement ratio.
  3. Wide Range of Plans: You will have the option to choose from a diverse portfolio of policies tailored for individuals, families, senior citizens, and patients with specific conditions like diabetes or cancer, ensuring there is a plan to fit your unique needs.
  4. Customer-Centric Features: Many health insurance plans offer significant benefits like no sub-limits on hospital room rent, coverage for modern treatments (e.g., robotic surgeries), and annual health check-ups at no extra cost.
  5. Focus on Wellness: The Star Wellness Program rewards you for staying healthy. By tracking and maintaining good health metrics, you can earn discounts on your renewal premiums.
  6. Lifetime Renewability: You can secure your future with a guarantee of lifetime renewability on your policy, ensuring you remain covered in your old age when you need it most.
  7. Strong Brand Reputation: As one of India's first and largest standalone health insurance companies, Star Health has a long-standing reputation and a strong presence across the country.
  8. Tax Benefits: The premiums you pay for your health insurance policy are eligible for tax deductions under Section 80D of the Income Tax Act, 1961, to help you save on taxes.

 

How to File a Claim with 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.

 

1. Cashless Claim Process:

 

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.

 

2. Reimbursement Claim Process:

 

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.

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