Reasons to Choose Star Health Insurance Online?
There are many health insurance plans available in the market today from different insurance providers. Each of these has a different set of clauses. However, while opting for a health insurance plan, it is always better to go for a reputed and trustworthy organization. If you are looking for such an insurance provider, your search ends here.
Online Star Health Insurance offers several health insurance benefits starting from holistic coverage to lifetime renewability. Moreover, it is also a great cashless health insurance option because it has a huge network of hospitals connected to it that can be availed without any extra hassle.
A Brief Overview of Star Health Insurance
Star Health and Allied Insurance is one of the first independent health insurance providers in India. They started working in 2006 and since then they have always focussed on giving their customers the very best. In fact, health insurance is just one of their ventures. There are great plans, be it for corporations, individuals, or family floater health insurance plans. Moreover, they also work with various banks in providing customers with health insurance plans. You can avail of their health insurance plans from them directly as well as via various agencies or brokerages. Both options are available that increase convenience.
Types of health Insurance Plans Available in Star Health
In Star Health, there are health insurance plans available for everyone. Star Health services can be categorized into “myself”, “my family”, and “my parents”.
The “myself” plans are available to anyone between 18-65 years of age while the “my parents” plans are available to only those senior citizens who are between 60 to 75 years of age. Every set has different clauses. However, the best part about the senior citizen plan is lifetime renewability along with a lack of pre-insurance tests.
The “no claim bonus” option is available for the “Myself” set whereby the payee can have a free check-up and consultation in the year or years when no claims are made. For the “My Family” policy, the insured persons also get the benefit of an air ambulance facility which makes it an attractive deal.
Some of their most popular health insurance plans are Star Comprehensive Insurance Policy, Star Super Surplus, Star Senior Citizens Red Carpet Health Insurance Policy, Star Criticare Plus, Star Family Health Optima Insurance Plan, Star Cardiac Care, Star Health Student Care Plan, etc among a bunch of others. However, the health insurance benefits received from each of these vary.
Why Star Health Online Over Anyone Else?
There are various reasons why you should opt for Online Star Health insurance:
- To begin with, they have a huge selection of health insurance plans for everyone with different demands and needs.
- They have a huge network of hospitals which makes it one of the best cashless health insurance providers. They are connected with more than 13000 hospitals all over India.
- Even if the health insurance claim settlement did not take place by a cashless process, they are probably the fastest at settling them, even in the case of reimbursements. For cashless claims, most of them are settled in a span as less as 2 hours.
- One of the best Star Health insurance benefits is that it has a free helpline number via which the insured can always seek medical advice, especially during a medical crisis.
- Finally, the online renewability process comes in extremely handy, especially for senior citizens.
Steps to Apply for Star Health Insurance Online
Following are the steps that need to be followed if you want to apply for Star Health Insurance Online and avail of the health insurance benefits:
- Reach the official site of Star Health Insurance Online.
- Check an appropriate health insurance plan for you or your family.
- Fill in the details of the insured who is going to pay the premium for the health insurance.
- With the premium calculator, calculate the premium payable for the particular health insurance plan.
- Minutely go through the contents of the desired plan. The exclusions and inclusions must be thoroughly checked to avoid any kind of unnecessary miscommunications, during the time of any health crisis.
- Finally, select the desired health insurance plan.
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Now comes the payment process. This can be done online or offline at the nearest centre of Star Health Insurance. However, for offline payment, a copy of the filled-up form must be kept handy.
At the same time, a few things about the selected health insurance plan must be checked like the waiting period, co-payment options, and coverage for existing diseases. If only the plan is suitable, it must be selected. There are a wide number of plans available which makes it evident that there must be something for everyone.
How to Renew a Star Health Insurance online?
One of the best Star health insurance benefits is the online renewability of most health insurance plans. A few simple steps need to be followed to achieve this.
- First, visit the official website of Star Health.
- Now click on the “Renew” tab. This will open the renewal page.
- The unique policy number along with the date of birth must be entered.
- Once ready, click the “renew now” button.
- Now, the premium for the health insurance plan must be paid. There are several online payment options available for this. Therefore, the process becomes entirely cashless and hassle-free. Moreover, the records of the original entry already exist and need not be entered again manually.
- Finally, when the renewal process is completed, the health insurance provider will send an official email to the registered email ID confirming the renewal of the health insurance claim.
Final Take
Therefore, with Star Health Insurance online, you can avail of several health insurance services including easy online payment of claims, online renewals, online registration of claims, and tracking of the claims’ status. There are also bonuses that the company offers which can be traced online. This online mode of health insurance claims is particularly helpful for the aged who cannot do this physically by themselves. And to top it all, the wide selection of individual and family floater health insurance plans helps everybody.
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Star Health provides different health insurance plans with different exclusions and inclusions. However, as a general rule, tests that are not related to or needed for any treatment covered by the health insurance claim are not paid for by the insurance provider.
Yes, most of the plans do cover the costs of medicines but they do have conditions and limitations which must be checked before signing up for the health insurance plan.
The Star Comprehensive Insurance Plan covers delivery and postnatal expenses. This includes both natural and caesarean deliveries. However, the plan allows health insurance claims for only 2 pregnancies for any insured party till the validity of the plan.
The health insurance plans of Star Health generally have a waiting period of 2 years.
It is typical for the premium amount of health insurance to increase annually, although it is not specific to Star Health Insurance.