Star Health and Allied Insurance Company Limited, India’s first separate and only Health Insurance provider, Limited is a joint undertaking between 5 renowned companies which were approved by IRDA- Insurance Regulatory Development Authority which is the governing body in India for all insurance companies. Star Health Insurance was established in India way back in 2006 with exposure in various fields of insurance like health insurance, overseas Mediclaim policy, personal accident plans etc. The company provides an extensive range of health insurance products to all individuals across various sections of society.
The benefits of Star Health Insurance plans can be summarized as below:
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Star Health Insurance Company has a wide range of health insurance plans which are as below:
Let’s understand in detail the benefits, features and eligibility of the above Star Health Insurance Health Plans
Star Health Insurance has exclusively designed this plan for the family to cover the financial risk arising out of any untoward incident. This Star Health policy delivers widespread coverage to the entire family through a family floater plan under one umbrella. One can avail tax benefits under section 80 (D) of the Income Tax Act. The main Star Health insurance policy details include the following:
Eligibility of Star Family Health Optima Health Insurance Plan
Entry age |
18 years to 65 years and New Born baby from 16th day |
Sum assured |
INR 3 lakhs to INR 5 Lakhs, INR 10 Lakhs, INR 15 Lakhs, INR 20 Lakhs, INR 25 Lakhs |
Premium |
Depends on the age and sum assured |
Policy Term |
1 year |
An appropriate plan for the senior citizens which provides complete protection provided by Star Health Insurance.
The benefits are as follows:
Eligibility of Star Senior Citizens Red Carpet Health Insurance Plan
Entry age |
65 years to 70 years |
Sum assured |
INR 1 lakhs to INR 10 Lakhs |
Premium |
Depends on the age and sum assured |
Policy Term |
1 year, 2 years and 3 years |
The most popular plan by Star health Insurance which has all-inclusive and many benefits. Some of this Star Health insurance policy details are:
Eligibility of Star Comprehensive Health Insurance Plan
Entry age |
18 years to 65 years Dependent Child -3 months to 25 years |
Sum assured |
INR 5 lakhs to INR 25 Lakhs |
Premium |
Depends on the age, the sum assured and family size |
Policy Term |
1 year |
Medi Classic Insurance from Star health Insurance is an individual and family health plan that offers for compensation of hospitalisation expenditures incurred due to disease, illness, sickness and or accidental injuries to keep the dreams alive and lead a tension free life.
Main benefits of this Star Health policy are:
Eligibility of Star Medi-Classic Health Insurance Plan
Entry age |
5 months to 65 years Beyond 65 years- Only Renewal |
Sum assured |
INR 1.5 lakhs to INR 15 Lakhs |
Premium |
Depends on the age, the sum assured and Area wise Zone Distribution |
Policy Term |
1 Year |
Introduced under the guidelines of IRDAI, the STAR Cardiac Care Insurance Policy-Platinum is a licensed and standard policy inaugurated for individuals that have been diagnosed with a Cardiac disorder/ ailment or have undergone a Cardiac Surgical Intervention.
The policy understands that your heart needs extra attention and timely protection. Hence, the unique cardiac Care Insurance Policy is designed so that individuals do not have to compromise with their Cardiac health at any point. However, the Policy is eligible for individuals falling into the 7-70 years of age group.
Main Features of the Cardiac Care Insurance Policy-Platinum
Eligibility Parameters of STAR Cardiac Care Insurance Policy- Platinum
Entry Age |
|
Type of Policy |
Individual |
Policy Term |
1 year, 2 years, 3 years |
Sum Insured |
INR 5,00,000; INR 7,50,000; INR 10,00,000; INR 15,00,000 (for individuals) |
Waiting Period |
|
Pre-acceptance Medical Screening |
Not Required |
A unique individual and family health plan by Star health Insurance which offers complete flexibility to the insured thereby choosing a sum insured and a premium as his/ her convenience and family size.
Let us see the benefits:
Eligibility of Star Health Gain Insurance Plan
Entry age |
91 days to 65 years Beyond 65 years- Only Renewal |
Sum assured |
INR 1 lakh to INR 5 Lakhs |
Premium |
INR 15000, INR 20000, INR 25000 and INR 30000 |
Policy Term |
1 Year |
Traditional health policies provide basic health cover for the insured individual. But health is always unpredictable and needs more attention and therefore more financial coverage to combat with the ailments. Star Health Insurance brings Super Surplus Insurance plan that offers much bigger coverage so that one is ready to face all the unwanted health hazards.
The main benefits of this Star Health policy are:
Eligibility of Star Super Surplus Health Insurance Plan
Entry age |
18 years to 65 years, Child- 3 months to 25 years |
Sum assured |
INR 3 lakhs to INR 10 Lakhs |
Premium |
Depends on the age and sum assured |
Policy Term |
2 years |
Star Health Diabetes Safe by Star Health Insurance, an individual and family health plan, plays a very important role in a health insurance plan of a family. People with diabetes are in requirement of instant medical support. Due to the increasing cost of medical expenses, it is important to have a plan which will take care of all the needs with respect to this ailment health.
The main benefits of this Star Health policy are
Eligibility of Star Diabetes Safe Health Insurance Plan
Entry age |
18 years to 65 years |
Sum assured |
INR 3 lakhs to INR 10 Lakhs |
Premium |
Depends on the age and sum assured |
Plan Types |
Plan A -Pre-Policy Medical Checkup Plan B- No Pre-Policy Medical Checkup |
Policy Term |
1 year/ 2 years/ 3 years |
The plan is specially designed for patients who have the prevailing heart or cardiac disease by Star health Insurance. Star Cardiac Care understands the worries and disturbance caused due to this health issue and therefore provides a complete solution.
The main benefits of the plan are:
Eligibility of Star Cardiac Care Health Insurance Plan
Entry age |
10 years to 65 years |
Sum assured |
INR 3 lakhs and INR 4 Lakhs |
Premium |
Depends on the age, sum assured and Plan chosen |
Policy Term |
1 year |
Co-Payment |
10% of claimable expenditures for individuals with the entry age of 60 years |
A distinct individual health plan which caters to HIV positive individuals for the first time in India by Star health Insurance. The amount will be paid to the insured person only if it is proposed by Non-Governmental Organisations (NGOs), government agencies or registered societies who are involved in the treatment and care of HIV-infected persons. However, covered patients should be the family members of the proposer.
The main benefits of this Star Health policy are:
Eligibility of Star Net Plus Health Insurance Plan
Entry age |
No Limit |
Sum assured |
INR 30000- INR 50000 |
Premium |
INR 2500 to INR 4000 |
Star Care by Star health Insurance is an individual and family health insurance plan that provides guard for individuals and his family on payment of a single premium under a single sum insured. The Single Annual sum insured will cover the entire family members if the floater option is chosen.
The main benefits of the plan are:
Eligibility of Star Care Micro Health Insurance Plan
Entry age |
18 years to 65 years, Child- 2 years to 25 years |
Sum assured |
INR 1 lakh |
Premium |
Depends on the age, the sum assured and Tier 1 & II Cities |
Star Criticare Plus Insurance from Star Health Insurance is an individual policy that provides compensation of hospitalization expenditures incurred due to disease, illness, sickness and or accidental injuries and offers a lump sum in case the insured individual is being detected with a major illness or disease as per the list in the policy.
Let us see the main benefits of this Star Health policy :
Eligibility of Star Criticare Plus Health Insurance Plan
Entry age |
18 years to 65 years |
Sum assured |
INR 2 lakhs to INR 10 Lakhs |
Premium |
Depends on the age and sum assured |
Policy Term |
1 year |
Star Family Delite from Star Health Insurance is a family health plan that provides compensation of hospitalization expenditures incurred due to disease, illness, sickness and or accidental injuries and offers a lump sum in case the insured individual is being detected with a major illness or disease as per the list in the policy.
Let us see the main benefits of this Star Health policy:
Eligibility of Star Family Delite Health Insurance Plan
Entry age |
18 years to 65 years and Dependent Child -5 months to 25 years |
Sum assured |
INR 2 lakhs to INR 3 Lakhs |
Premium |
Depends on the age and sum assured |
Star Cancer Care Gold Insurance from Star Health Insurance is an individual policy that is only designed keeping in mind the cancer patients and huge costs that is associated with this dangerous disease. This is the first Insurance Plan in India which is being launched on a pilot basis for cancer patients. /p>
Let us see the main benefits of this Star Health policy:
Eligibility of Star Cancer Care Gold Health Insurance Plan
Entry age |
5 months to 65 years diagnosed with Cancer Stage 1 and Stage 2 |
Sum assured |
INR 3 lakhs to INR 5 Lakhs |
Premium |
Depends on the age and sum assured |
Policy Term |
1 year |
Star Special Care Insurance from Star Health Insurance is individual health insurance crafted for children who are being detected with Autism Spectrum Disorder.
Let us see this Star Health insurance policy details:
Eligibility of Star Special Care Health Insurance Plan
Entry age |
3 years to 25 years |
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Sum assured |
INR 3 lakhs |
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Premium -Excludes Tax |
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Policy Term |
1 year |
Star Hospital Cash Insurance from Star Health Insurance is an individual and family policy that is offered for compensating the additional expenses during hospitalization.
Let us see the Star Health insurance policy details:
Eligibility of Star Hospital Cash Health Insurance Policy
Entry age |
18 years to 65 years and Dependent Child until 25 years |
Sum assured |
INR 3 lakhs to INR 5 Lakhs |
Premium |
Depends on the age and sum assured |
Policy Term |
1 year, 2 years and 3 years |
Launched under the guidelines of IRDA, the STAR Micro Rural and Farmers Care Insurance Policy is a standard policy for the people living in rural areas. Understanding the needs of the people and their families living in the rural areas, STAR Health has designed a special and affordable policy to cater to their healthcare needs.
Micro Rural and Farmers Care Insurance Policy have been specially designed for the convenience of the rural families and it ensures that these people do not have to compromise with their health at any point in time due to any illness/accidents. This Policy is available both for you and your family (family can include self, spouse, dependent children up to the age of 25 years)
Main Features of the Micro Rural and Farmers Care Insurance Policy:
Eligibility Parameters ofSTAR Micro Rural and Farmers Insurance Policy:
Entry Age |
Adults from 18 to 65 years of age Dependent children from 12 months to 25 years of age ‘Family’ will include self, spouse, and up to two dependent children |
Type of Policy |
Individual and Floater type. |
Policy Term |
1 year |
Sum Insured |
INR 1,00,000 for Individual INR 2,00,000 for Family |
Waiting Period |
30 days except for accidents 6 months for pre-existing diseases. |
Pre-acceptance Medical Screening |
Nil |
A policy that is very clear and self-explanatory from its name, the STAR Health Outpatient Care Insurance Policyis a health policy launched as per the guidelines of IRDA by STAR Health. Always seen and practised for ages, Insurance policies have only covered the medical expenses for in-patients, and the rest of the outpatient charges have been borne by the patients themselves. In solution to this problem, STAR Health has designed a special program to help bear the charges of outpatient consultancy including doctors’ fees, diagnostic tests, pharmacy bills, non-allopathic treatments, and many such medical expenses.
Main Features of theSTAR Outpatient Care Insurance Policy:
Eligibility Parameters for theSTAR Outpatient Care Insurance Policy:
Entry Age |
Adults: 18 to 50 years of age. Children: 31st day to 25 years of age (the ones who are dependent) The Family can include up to 6 members. |
Type of Plans |
Individual and Family Floater in:
|
Policy Term |
1 year |
Sum Insured |
INR 25,000, INR 50,000 , INR 75,000 and INR 1,00,000 |
Coverage |
At all network hospitals |
Waiting period for Pre-existing ailments |
Silver: 48 months Gold: 24 months Platinum: 12 months |
STAR Insurance is a company that likes to think about its clients from different economic backgrounds and derive a solution for every possible problem. This health insurance policy launched under the guidelines of IRDA has its explanation hidden in its name itself,Young Star Insurance policyis a special program designed for the young people who have just started their family or earnings. It is often said that people in the age group of 18- 40 years are highly energetic, passionate, hard-working, and successful. This is the time in everyone’s life where a dependent child converts himself/herself into a self-sufficient human being.
While a person is busy laying their foundation for a good life ahead, taking care of the health and well-being of self and family can often go for a toss. To avoid this very situation and be prepared for the mishappenings, theYoung Star Insurance policyhas been designed for you and your special ones. This STAR health policy is the most efficient plan to prevent any kind of financial crisis at the time of a medical emergency.
Major features of the Young STAR Insurance Policy:
Eligibility Parameters of theSTAR Young Star health insurance policy:
Entry Age |
18 years to 45 years 91 days to 25 years for dependent children Family can include 5 members( self, spouse, and 3 dependent children) |
Type of Plans |
Individual and Family Floater type in :
|
Policy Term |
1 year/ 2 years/ 3 years |
Sum Insured |
INR 5,00,000, INR 10,00,000, INR 15,00,000, INR 20,00,000, INR 25,00,000, INR 50,00,000, INR 75,00,000, and INR 1,00,00,000 |
Renewability of Plan |
Lifelong |
Pre-acceptance Medical Screening |
Nil |
Arogya Sanjeevani Policy, a super affordable and efficient policy offered by Star Health Insurance. The policy is a standard health insurance policy launched under the guidelines of IRDA, the name itself gives a clear view of the uniqueness of this policy. This policy is specially designed to look after an individual’s health and to cover the most important clinical aspects for a speedy recovery of the person. Arogya Sanjeevani Policy comes with numerous benefits and will protect you and your family from any financial crisis at the time of a medical emergency.
The main features of the policy include:
Eligibility Parameters of Arogya Sanjeevani Policy:
Entry Age |
18-65 years (Children aged between 3months to 25 years, who are economically dependent can be covered along with parents) |
Sum Insured |
INR 50,000 – INR 10 LAKHS |
Policy Term |
1 year |
Type Of Policy |
Individual and Floater Basis |
Pre-acceptance medical screening |
Pre-acceptance health screening will be mandatory for persons above 50years of age. |
Waiting Period |
30 days for illness/diseases (except accidents) |
Co-Payment |
5% applicable on the total claim amount |
This unpredicted attack of a deadly virus has left the world stunned and disturbed every individual’s personal and professional life. The sudden outbreak of this coronavirus disease has infected billions and killed millions of people around the world. At this point, it is proved that taking care of your health is the most important thing in life, and if we take this pandemic lightly, it is going to affect us severely.
It’s not that we have to just be fearful and scared of the disease but certain measures can surely help us throw this out of our lives. Apart from following the social distancing norms, cleaning and sanitizing the surroundings and yourself, and wearing face covers, masks, etc, there are still people getting infected by covid-19 every day.
To help you and your family overcome these situations, Star health has launched a special Star Novel Coronavirus Insurance Policy that will make sure you are capable of getting the required treatment without worrying about the costs. This policy is special, affordable and one of its kind, that will help you fight against this deadly virus.
Main features of the Star Novel Coronavirus Insurance Policy:
Eligibility parameters for the Star Novel Coronavirus Insurance Policy:
Entry age |
18 to 65 years of age |
Type of plan |
Individual |
Sum insured |
INR 21,000 and INR 42,000 |
Policy term |
1 year |
Pre-acceptance medical screening |
Nill |
Premium Applicable |
INR 299+ GST and INR 598+GST |
Waiting period |
16 days |
One thing that has influenced all our lives today is the deadly COVID-19 virus. The whole nation is fighting this pandemic together by getting vaccinated, taking safety measures, helping out each other, avoiding physical contact and so, thus Star health Insurance has also joined this battle by offering this Corona Rakshak Insurance policy.
A policy that is very clear from its name, the Star Health Corona Rakshak policy is a step taken by Star health insurance to protect you, and to cover your medical expenses in case of any emergency situation caused.
It’s time we all get together to join hands and fight against this dangerous virus, eat healthy to boost our immunities, stay indoors and reduce contamination, and invest our savings in the Star Health Corona Rakshak policy to avoid any kind of financial scarcity at the time of a difficult situation.
Main features of Star Health Corona Rakshak Policy:
Eligibility Parameters for Star Health Corona Rakshak Policy:
Entry Age |
18 years to 65 years |
Type of Plan |
Individual |
Sum Insured |
INR 50,000, INR 1,00,000, INR 1,50,000, INR 2,00,000, INR 2,50,000. |
Policy Term |
105 days (3 ½ months), 195 days (6½ months), 285 (9½ months) |
Pre-medical acceptance |
Nill |
Waiting Period |
15 days |
Coronavirus is not just a disease now, it has played with the lives of many people and shattered many houses. Its impact prevails for days even if the person has recovered, as it can not only affect your mind and body but can also cause financial scarcity in the family.
Star Health Corona Kavach Policy is specially designed to help people and their families overcome financial losses and recover to attain good health as soon as possible. This insurance policy will be a support system for you so that you will never have to compromise with the health of your loved ones due to economic reasons.
The Star Health Corona Kavach policy will stand as a shield for you and your family to provide coverage to the medical requirements when needed.
Main features of the Star Health Corona Kavach Policy:
Eligibility parameters for Star Health Corona Kavach policy:
Entry age |
Adults: 18 years to 65 years Dependent children: 1 day to 25 years (‘Family’ includes self, spouse, parents and parents-in-law, dependent children) |
Type of plans |
|
Policy term |
105 days (3 ½ months), 195 days (6 ½ months), 285 days (9 ½ months) |
Sum insured |
INR 50,000, INR 1,00,000, INR 1,50,000, INR 2,00,000, INR 2,50,000, INR 3,00,000, INR 3,50,000, INR 4,00,000, INR 4,50,000, INR 5,00,000. |
Pre-medical acceptance |
Nil |
Waiting Period |
15 days |
You can buy Star Health Insurance plans online or offline. The offline plans are sold either by the insurance advisors or directly from the company. All you need to do is visit the branch yourself and then purchase the same after consulting with the insurance agents or the sales managers of the company.
However, there is an online mode of buying Star Health Insurance plans as well and that is through the company’s website. The company allows you to buy its policies online in a simple manner.
The easiest way would be to buy the best health or motor insurance plan from Turtlemint. Turtlemint is an online platform wherein you would find a wide variety of motor and health insurance options to choose from. You can compare and choose the plan as per your coverage needs and affordability. The process of buying Star Health Health Insurance or Star Health Motor Insurance policies online through Turtlemint is as follows –
You can compare a wide range of health insurance policies and choose the one that suits your requirements
Renewing Star Health Insurance plans is also an easy affair. You can renew the policy online through the company’s website using the following steps –
Renewal of Star Health Health Insurance or Star Health Motor Insurance Policies can also be done online through Turtlemint. If you have bought the policy through Turtlemint you are an existing customer. You would have the login details with which you can log into your Turtlemint account. After you are logged in, choose the health or car or bike insurance plan which you would want to renew, click on ‘Renew’ and you would be able to check the policy details. If you want to renew without any changes, pay the renewal premium and the policy would be renewed.
Star Health Claims Services is an easy and customer-friendly procedure that ensures that all settlements are handled within a specified time and without any delay. The cashless claim is available across all our network hospitals in the country. Following steps needs to be followed to make a claim:
The claims can be also settled through Turtlemint. Turtlemint is a company that provides customers with the facility of claim settlement through a squad of claim specialists. The company needs to be informed by calling their toll-free number 1800 266 0101 or via an email at claims@turtlemint.com. Post this, the claim department will connect and coordinate with Star Health Insurance Company to process the claims.
Documents required for claims:
Below are the few exclusions of Star Health Insurance policy
Following are the inclusions by Star Health Insurance Company
Star Health insuranceprovides a simple and appropriate method of paying the premium online for both new policies as well as renewal. One can visit the official site retail.starhealth.in/renewal and can make the payment by just entering the policy number and the registered date of birth. After the submission, the page will be redirected to pay the premium via debit card, credit card, internet banking.
Review of Star Health insurance
Star Health insurance Company has many health plans to choose from. The Company has taken into consideration of all individuals with the possible diseases and has designed the products, like a cancer care plan, plan for HIV patients and many more.
Star Health insurance- Company Address & Contact Information
One can contact Star Health insurance
The Manager – Customer Care,
Star Health & Allied Insurance Co. Ltd,
No.1, New Tank Street, Valluvarkottam High Road,
Nungambakkam,
Chennai – 600 034
Star Health insurance– Recent News from the company
The Company has been recognized as Best BFSI Brands by Economic Times in 2019.
There is no such limit on the number of Star Health Insurance Claims which an insured can take in a year, however, the limit is on the Sum Insured which is the maximum permissible amount in any policy which one can avail of.
A Health Card is similar to the identity card which helps one to get the cashless facility at the network hospitals.
Yes, you can, however, the coverage will only be applicable in India.
Yes, the premium paid under the health insurance plan is exempt under the Income Tax Act, 1961.
The following factors need to be considered which are:
eIA means an Electronic Insurance Account wherein all your insurance policies can be stored in a centralized manner. You can opt to open an eIA account with Star Health Insurance by filling up and submitting the account opening form available with the company. once your eIA account is opened, all your policies would be electronically stored in the account. Star Health would allot you a number for the eIA account which would be your eIA number. You can quote this number when buying insurance from other companies and the policies issued would be digitally stored in the eIA account.
To make premium payments of your Star Health Insurance policy online you can use credit cards, debit cards, net banking facility, NEFT or RTGS, mobile wallets and UPI platforms.
To make a valid claim in your Star Health Insurance policy you should contact the insurance company immediately and follow the stipulated claim process. The process has been described above which you can follow and get your claims settled. You can also make a claim through Turtlemint and Turtlemint would follow the claim process on your behalf and get your claims settled at the earliest.
Star Health is a reputed health insurance provider in the Indian insurance market which offers a range of comprehensive health insurance plans. The plans offered by the company have inclusive coverage benefits at affordable premiums. Moreover, the company has a network of more than 9900 hospitals for easy cashless claims and approves 90% of such claims within 2 hours. In-house claim settlement also ensures that your claim process is smooth and hassle-free. Given these reasons, you should buy Star health insurance plans.
The requirement of pre-entrance medical check-up depends on your age, the sum insured that you choose and the type of policy that you buy. Under many plans, medical check-ups are not needed up to 45 years of age. Some plans do not need check-ups even up to 55 years of age and in senior citizen policies, there is no need for medical check-ups. However, if you opt for high sum insured and/or have an adverse medical condition, medical check-ups might be needed. So, the requirement of medical check-ups varies across plans and the underwriting principles followed by the company.