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What Is Special About Assure Policy?

New age plan from STAR Health which covers the growing medical needs of individuals and families today
  • Family size of upto 9 members allowed (6 Adults= Self + Spouse + Parents + Parents-in-law + 3 children). Children above 17 yrs are also allowed
  • Maternity benefits of upto 10% of base sum insured
  • Attractive discounts available on renewals and on choosing options of deductible

Features of Star Assure Health Insurance Policy

Check the features and coverage of Star Assure Health Insurance plan below:

Ambulance Charges

Road ambulance : Covered upto SI, Air ambulance: Covered upto 10% of base Sum Insured

Ayush Treatment

Ayush benefit up to Rs. 15000

Co-pay

10% for age 61 and above

Cover Restoration

Automatic unlimited restoration of sum insured of upto 100% upon partial/full utilization during hospitalisation.

Daily Cash Allowance

Rs 1,000 paid for shared accomodation during IPD

Day Care Procedures

All procedures covered

Star Assure Plan Resources

Policy Brochure

Policy Wordings

Exclusions of Star Assure Health Insurance Policy

Star Assure plan does not cover the following:

Any claim other than accidental claims inside 30 day waiting period

Any claim for peds made during the waiting period of 36 months for 1 & 2 year policies or 30 months for 3 year policy

Any claim for specific procedures or diseases during the waiting period of 24 months

Investigation & evaluation

Rest care & rehab outside the limits covered

Obesity & weight control

Other Plans From Star

Star health insurance offers 9 health insurance plans. The premium of these plans starts from Rs. 2880/yr. The sum insured ranges from Rs. 50,000 - 1 Cr. Details of the comprehensive coverage provided by the following 9 Star health insurance plans are listed below:

Calculate Assure Plan Premium

Use the Star health insurance premium calculator to estimate your health insurance premiums.

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Star Claim Settlement Ratio

99.06%

Star

94.21%

Industry Average

Health claim settlement ratio is the percentage of claims settled against the total claims received by the insurance company in a given fiscal year. Star has a claim settlement ratio of 99.06%, as compared to the industry average of 94.21%.

Star Claim Process

Star supports both cashless claims and reimbursement claims. This section covers the information on how to check Star health insurance claim status, fill Star health insurance claim form, and the claim settlement 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

  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

Star Health Insurance Renewal Process

A health insurance policy usually stays valid for 1 year after which it requires renewal. However, there are plans which offer 2 to 3 years of validity at extra costs. If a health insurance policy is not renewed timely, it lapses and the policyholder loses all the accumulated benefits. Moreover, there is a renewal window of 7-30 days beyond the policy tenure to allow policyholders a grace period to renew the plan and to protect the continuity benefits such as the waiting period and NCB or No Claim Bonus.


Here, you may also note that for every claim-free year, Star Health insurance policyholders can avail of an NCB of 50% on the sum insured, which can go up to a maximum of 100%. Thus, policyholders who haven’t raised a claim during a policy term can expect a reward in the form of a boost in the coverage bandwidth without an increase in the premium price.
Let us now take a look at the steps to renew a Star Health insurance policy online:

  1. Visit the official portal of the insurer for Star Health policy renewal online
  2. Select the 'Renewal’ button on the homepage
  3. Submit your policy details and date of birth and click on the ‘Continue’ button
  4. You can see the renewal amount to be paid on the page that appears
  5. Make the payment using any online payment mode
  6. Once done, you will receive the documents of Star Health policy renewal on your registered email ID

Star Customer Care

Customer Care Number

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