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.

Star Health Insurance Review

  1. The company has a huge network of 9600 plus hospitals available for cashless hospitalization in India with 460 plus branch offices
  2. In-house claim settlement unit
  3. The Claim Settlement Ratio of the company for the financial year 2018-19 was 90%
  4. Grievances solved is at 98.72%
  5. Gross written premium is INR 5401 for the financial year 2018-19
  6. Employee strength of more than 10600

Star Health Insurance Review – Benefits

The benefits of Star Health Insurance plans can be summarized as below:

  1. Tailormade plans as per the necessity of the customer
  2. Reasonable price with transparency
  3. Progressive and various plan structure and easy to choose features
  4. Cashless treatment in more than 9600 network hospitals in India
  5. Hassle-free claim settlement conveniences without any 3rd party involvement.
  6. Top class and swift service
  7. More than 400 branches present in India
  8. 24*7 assistance call centre toll-free no 1800 425 2255/1800 102 4477
  9. Effective Complaint redressal forum

Click the link below, enter a few details & sail away with the most appropriate health insurance policy for your needs.

Health Insurance Plans of Star Health:

Star Health Insurance Company has a wide range of health insurance plans which are as below:

  1. Star Family Health Optima Health Insurance Plan
  2. Star Senior Citizens Red Carpet Health Insurance Plan
  3. Star Comprehensive Health Insurance Plan
  4. Star Medi-Classic Health Insurance Plan
  5. Star Health Gain Insurance Plan
  6. Star Super Surplus Health Insurance Plan
  7. Star Diabetes Safe Health Insurance Plan
  8. Star Cardiac Care Health Insurance Plan
  9. Star Net Plus Health Insurance Plan
  10. Star Care Micro Health Insurance Plan
  11. Star Criticare Plus Health Insurance Plan
  12. Star Family Delite Health Insurance Plan
  13. Star Cancer Care Gold Health Insurance Plan
  14. Star Special Care Health Insurance Plan
  15. Star Hospital Cash Health Insurance Policy

Let’s understand in detail the benefits, features and eligibility of the above Star Health Insurance Health Plans

1. Star Family Health Optima Health Insurance Plan

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:

  1. Auto Recharge facility at nil cost
  2. The benefit of Health Check-up for every claim-free year
  3. The company provides an added sum insured at no extra cost
  4. Complete coverage for Assisted Reproductive Treatment
  5. From the 16th day, a newborn baby is also covered under this plan.
  6. Coverage of Donor expenses if organ transplantation is needed
  7. Regular coverage benefits include room charges, boarding and nursing expenses, Day Care procedures, ambulance charges, Pre-Hospitalization costs up to 60 days prior to admission in the hospital, Post-hospitalisation costs incurred up to 90 days after discharge from the hospital.
  8. Cover for medical treatment for a period exceeding three days
  9. 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

2. Star Senior Citizens Red Carpet Health Insurance Plan

An appropriate plan for the senior citizens which provides complete protection provided by Star Health Insurance.

The benefits are as follows:

  1. No medical test required before applying for the policy
  2. Protection up to INR 25 lakhs on an individual as well as Floater
  3. From 2nd year there is full coverage of the pre-existing diseases
  4. The benefit of Outpatient consultation in the network hospitals 
  5. Regular coverage benefits include room charges, boarding and nursing expenses, Day Care procedures, ambulance charges, Pre-Hospitalization costs up to 60 days prior to admission in the hospital, Post-hospitalisation costs incurred up to 90 days after discharge from the hospital
  6. 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

3. Star Comprehensive Health Insurance Plan

The most popular plan by Star health Insurance which has all-inclusive and many benefits. Some of this Star Health insurance policy details are:

  1. No capping of room rent
  2. Additional Coverage of ambulance, 2nd medical opinion, organ donor expenses, Ayush treatment, domiciliary hospitalization, coverage on OPD and complicated medical actions
  3. Coverage of Health check-up cost for each claim-free year and maternity
  4. Automatic restoration to the extent of 100%
  5. Coverage for Personal Accident against Death and Permanent Total disablement
  6. Sum insured increase by 100% for every claim-free year
  7. The decrease in waiting time for pre-existing diseases
  8. Wellness activity coverage
  9. Coverage of newborn or newly married spouse 
  10. 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

4. Star Medi-Classic Health Insurance Plan

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:

  1. Auto restoration up to 200%
  2. The benefit of increased by 5% of the basic sum insured for claim-free years, subject to a maximum of 25% 
  3. Regular coverage benefits include room charges, boarding and nursing expenses, Day Care procedures, ambulance charges, Pre-Hospitalization costs up to 60 days prior to admission in the hospital, Post-hospitalisation costs incurred up to 90 days after discharge from the hospital and Non-allopathic treatments
  4. 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

5. Star Health Gain Insurance Plan

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:

  1. Coverage of Outpatient and Inpatient costs
  2. An absolute flexible plan to choose individual as well as a floater for family
  3. Choice of 4 flexible premium selections with 5 Sum Insured choices
  4. Regular coverage benefits include room charges, boarding and nursing expenses, Day Care procedures, ambulance charges, Pre-Hospitalization costs up to 60 days prior to admission in the hospital, Post-hospitalisation costs incurred up to 90 days after discharge from the hospital 
  5. 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

6. Star Super Surplus Health Insurance Plan

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:

  1. No requirement of medical test
  2. Higher coverage in the regular benefits like room charges, boarding and nursing expenses, Day Care procedures, ambulance charges, Pre-Hospitalization costs up to 60 days prior to admission in the hospital, Post-hospitalisation costs incurred up to 90 days after discharge from the hospital 
  3. Availability of 2 Plans namely: Silver Plan and Gold Plan
  4. 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

7. Star Diabetes Safe Health Insurance Plan

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

  1. Coverage of hospitalization costs for both Type 1 and Type 2 Diabetes
  2. Flexible policy selections for individual and floater together with 2 pans available which are Plan A and Plan B
  3. The benefit of Automatic Restoration of the full Sum Insured
  4. Coverage for Out-Patient expenditures like costs for, Diagnostic tests, Medical consultations medicine and drugs
  5. Reimbursement for Accidental Death of the selected insured person
  6. Nil waiting Period for Diabetes and its problems under Plan A and 12 months Waiting period under Plan B
  7. 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

8. Star Cardiac Care Health Insurance Plan

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:

  1. Coverage of hospitalization costs for both accident and non-cardiac treatments
  2. Flexible plan selections for an individual with 2 pans available which are Silver Plan and Gold
  3. Coverage for Out-Patient expenditures like costs for, Diagnostic tests, Medical consultations medicine and drugs
  4. Reimbursement for Personal Accidental Death at no extra cost
  5. 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

9. Star Net Plus Health Insurance Plan

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:

  1. No need for submitting bills or receipts, however, the prerequisites of the plan are to be met
  2. The plan gives strong financial support for better care of HIV positive individuals
  3. Eligibility of Star Net Plus Health Insurance Plan

    Entry age 

    No Limit

    Sum assured

    INR 30000- INR 50000 

    Premium 

    INR 2500 to INR 4000

10. Star Care Micro Health Insurance Plan

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:

  1. Individual and Floater policies in Tier I and Tier II places in India
  2. Regular coverage benefits include room charges, boarding and nursing expenses, Day Care procedures, ambulance charges, Pre-Hospitalization costs up to 60 days prior to admission in the hospital, Post-hospitalisation costs incurred up to 90 days after discharge from the hospital
  3. No pre-policy medical check-up
  4. 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

11. Star Criticare Plus Health Insurance Plan

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 :

  1. The benefit of complete coverage of 9 stated critical illnesses
  2. The benefit of Lump sum compensation on the diagnosis of critical illness
  3. Regular benefits coverages like room charges, boarding and nursing expenses, Day Care procedures, ambulance charges, Pre-Hospitalization costs up to 60 days prior to admission in the hospital, Post-hospitalisation costs incurred up to 90 days after discharge from the hospital and Non-allopathic treatments
  4. 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

12. Star Family Delite Health Insurance Plan

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:

  1. The benefit of complete coverage of 9 stated critical illnesses
  2. The benefit of Lump sum compensation on the diagnosis of critical illness
  3. Regular benefits coverages like room charges, boarding and nursing expenses, Day Care procedures, ambulance charges, Pre-Hospitalization costs up to 60 days prior to admission in the hospital, Post-hospitalisation costs incurred up to 90 days after discharge from the hospital and Non-allopathic treatments
  4. 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 

13. Star Cancer Care Gold Health Insurance Plan

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:

  1. Coverage of the risk of scattering of Cancer- Metastasis and relapse of Cancer or Second Cancer
  2. The benefit of complete coverage of 9 stated critical illnesses
  3. The benefit of Lump sum compensation on the diagnosis of critical illness
  4. Regular benefits coverages like room charges, boarding and nursing expenses, Day Care procedures, ambulance charges, Pre-Hospitalization costs up to 60 days prior to admission in the hospital, Post-hospitalisation costs incurred up to 90 days after discharge from the hospital and Non-allopathic treatments
  5. 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

14. Star Special Care Health Insurance Plan

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:

  1. The benefit of regular indemnity health cover
  2. No pre-policy medical test
  3. Regular benefits coverages like room charges, boarding and nursing expenses, Day Care procedures, ambulance charges, Pre-Hospitalization costs up to 60 days prior to admission in the hospital, Post-hospitalisation costs incurred up to 90 days after discharge from the hospital 
  4. Coverage of special treatments like Behavioural Physiotherapy, Therapy, Speech Therapy and Occupational Therapy under OPD
  5. Eligibility of Star Special Care Health Insurance Plan

    Entry age 

    3 years to 25 years

    Sum assured

    INR 3 lakhs

    Premium -Excludes Tax

    Age Bracket (in years)

    Premium (Rs)

    3-10

    4800

    11-20

    5325

    21-25

    6075

    Policy Term 

    1 year

15. Star Hospital Cash Health Insurance Policy

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:

  1. Benefit in terms of a lump-sum payment for the term of hospitalization
  2. Two plans offered namely: Basic Plan and Enhanced Plan
  3. Coverage of Daycare treatments
  4. Predefined Hospital Cash Amount/ day reimbursement depending on the Number of Hospital Cash Days
  5. The benefit of Convalescence Hospital Cash, Child Birth Hospital Cash and Worldwide Hospital Cash under Enhanced Plan
  6. 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

How to buy Star Health Insurance policies?

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 –

  • Visit https://www.turtlemint.com/
  • Then you need to choose health or car or bike, depending on your requirement
  • To buy a health plan, you need to
    • Enter in your details which would include the following 
      • Gender
      • Age
      • Age of the members whom you want to cover
      • Whether you have any pre-existing illnesses to declare
      • The annual income level of the family for being recommended an ideal sum insured
      • Area PIN Code so that you can check the networked hospitals
    • Once the details are entered, you will be presented with a list of some of the best health insurance plans available in the market 
    • You can compare and select the best health insurance plan
    • After choosing the plan you would have to fill up an online application form
    • The premiums would also have to be paid online 
    • Once the premiums are paid and the form is submitted, you would be able to buy the plan easily
  • To buy a car or bike insurance plan, you need to
    • Enter the vehicle number or continue without mentioning the car number
    • The details that you need to enter are:
      • Make & model
      • Manufacturing Year
      • Fuel Type
      • Variant
      • Expiry Date
      • Previous policy type
      • Made any claims in the previous year
      • NCB on previous policy
      • Previous policy insurer
      • Your contact details
    • Once the details are entered, you will be presented with a list of some of the best motor insurance plans available in the market 
    • You can compare and select the best car or bike insurance plan
    • After choosing the plan you would have to fill up an online application form
    • The premiums would also have to be paid online 
    • Once the premiums are paid and the form is submitted, you would be able to buy the plan easily

You can compare a wide range of health insurance policies and choose the one that suits your requirements

The renewal process of Star Health Insurance Plans

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 –

  1. Visit the company’s home page and renew the same online
  2. You will be redirected to a new page wherein you can provide your policy details. You can, then, pay the renewal premium and the policy would be renewed

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.

Process of Claims of Star Health Insurance Plans

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:

1. Cashless Health Insurance Claims Process

  1. Visit the insurance desk of the network hospital
  2. Display the ID card for the purpose of identification
  3. The Network hospital will verify the identity post which the pre-authorization form is submitted to the insurance company
  4. A doctor will evaluate the required documents and process the claim as per the terms and conditions of the health insurance plan
  5. A nominated field doctor to make the hospitalisation simple
  6. The claim will be settled post completing the required procedures and as per the terms and conditions of the insurance policy

2. Reimbursement Health Insurance Claim Process

  1. A nominated field doctor to make the hospitalisation simple 
  2. All hospital bills to be paid after discharge and all original documents of treatment and costs incurred to be collected
  3. The Star Health Insurance Claim form needs to be filled and submitted together with all the original documents to the nearby Star Health branch office
  4. The claim will be settled as per the terms and conditions of the policy

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:

  1. Completed claim form with correct details that include present address, Contact number and email ID
  2. The 24*7 helpline numbers 1800 425 2255 / 1800 102 4477 must be notified before filling up the form
  3. All bills, receipts and discharge certificate or card in original from the hospital
  4. An original prescription with original bills from chemists
  5. Valid Receipt and examination test reports from a pathologist certified by a note from the visiting medical practitioner or surgeon advising the required test
  6. Details with the nature of operation done with the bills and receipt from the surgeon
  7. In accident cases, a self-declaration / FIR / MLC
  8. Attending doctor’s certificate
  9. NEFT and KYC details of the policyholder

Star Health Insurance Review – Exclusions

Below are the few exclusions of Star Health Insurance policy

  1. During the initial 30 days from the commencement of the policy date, diseases contracted by the insured individual. This exclusion will not be applicable in the case of the insured individual who is already covered under any other individual plan or any group health insurance plans for a nonstop period of previous 12 months without any break
  2. Treatment or surgery for tooth unless those were required due to an accident caused needing hospitalization. Implantation of the tooth is also not covered
  3. Recuperation, general weakness, or rest cure, lack of Nutrition conditions
  4. Disorders in Mental, Psychiatric, and behavioural state
  5. Deliberate self-damage
  6. Intoxication, use of drug or alcohol, tobacco chewing and smoking
  7. STD Disease and Venereal Disease
  8. Injuries or diseases which are directly caused or may be caused indirectly by or arising due to invasion, war, the act of a foreign enemy, (irrespective of the war is actually announced or not)
  9. Injuries or diseases which are directly caused or may be caused indirectly by nuclear materials or weapons
  10. First 2 Years of nonstop operation of insurance cover:
    1. The expenditures for cataract treatment, or treatment for glaucoma, retinal detachment or macular degeneration, disc (except which is caused due to an accident), varicose veins and varicose ulcers, expenses for treating benign prostatic hypertrophy, sinus treatments, treatment for tonsil, Chronic Suppurative Otitis Media and connected diseases etc.
    2. Any treatments for example conservative, a laparoscopic treatment, treatment for interventional for Hepatobiliary gallbladder disease and genitourinary calculi and pancreatic issues
    3. Treatments for diseases like interventional, laparoscopic conservative, and open for Uterine prolapse, Non-Functional Uterine Bleeding, treatment for Pelvic Inflammatory Diseases, treatment of diseases of Gynaecological disorder of fallopian tubes together with ovaries
    4. Traditional and operational treatment of bone diseases except for those which are caused due to an accident

Star Health Insurance Review – Inclusions

Following are the inclusions by Star Health Insurance Company

  1. Pre-existing diseases are protected post 48 months of nonstop insurance with any other Insurance Company in India. 
  2. Pre-Hospitalization costs up to 30 days
  3. Post-Hospitalization costs up to 60 days, however, the amount will not surpass the sum calculated at 7% of the hospitalization expenditures subject to a maximum of Rs 5000.
  4. Cost of Room rent
  5. Surgery Cost
  6. Nursing and Boarding
  7. Anaesthetist
  8. Charges for X-Ray, medicines, drugs, dialysis, diagnostic materials etc.
  9. Charges for Medical practitioner, Specialists, Consultants etc.

Modes of payment in Star Health insurance

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

  1. At 24*7 Toll-free numbers 1800 425 2255 or 1800 102 4477 and other users can call at (044) -2381 9100/ 2853 2060/ 2853 2030.
  1. Email at support@starhealth.in
  1. Send a message at www.starhealth.in/contact-us by filling up Name, email address and Cell number.
  1. Write to:

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.


FAQ’s

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:

  • Need to check for the waiting period
  • Need to check for the pre-existing disease coverage
  • Need to check the exclusions
  • Need to check the room rent

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.