Star Health & Allied Insurance

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Star Health & Allied Insurance Company Limited started its operations in 2006, as the country’s first standalone health insurance company. Since its establishment, the company has offered exceptional services in health, Overseas travel and personal accident insurance. From individuals to families to corporates, the company caters to insurance needs of all sections of the society. 

 

The company offers: 

  • Star Health & Allied Health Insurance
  • Star Health & Allied Travel Insurance
  • Star Health & Allied Accident Care

        1. Star Health & Allied - Health Insurance 

Star Health & Allied Insurance Company offers a variety of health insurance plans for all age-groups 

Type of Insurance Main Features of the Insurance Plan
Star Family Health Optima Health Insurance Plan
  • An exclusively designed health insurance plan that offers widespread coverage
  • Covers the whole family under a single policy
  • The auto-recharge facility at no extra cost
  • Sum Insured from INR 3 lakhs to INR 25 lakhs
  • Age of Entry-18 years to 65 years, newborn baby from 16th day
  • Policy Term-1 year

Star Senior Citizens Red Carpet Health Insurance Plan

 

  • A comprehensive yet affordable plan for senior citizens
  • No pre-policy medical screening required
  • Covers pre-existing diseases from 2nd year
  • Sum Insured from INR 31 lakh to INR 10 lakhs
  • Age of Entry-65 years - 70 years, 
  • Policy Term-1 year/ 2 years/ 3 years 
Star Comprehensive Health Insurance Plan
  • An all-inclusive health insurance plan that offers numerous benefits
  • Free health check-up for every claim-free year
  • 100% automatic restoration
  • Sum Insured from INR 5 lakhs to INR 25 lakhs
  • 100% increase in Sum Insured for every claim-free year
  • Age of Entry-18 years to 65 years, Dependent Child from 3 months to 25 years
  • Policy Term-1 year
Star Medi-Classic Health Insurance Plan
  • A health insurance plan that compensates hospital expenses caused due to disease, illness or accidents
  • 200% automatic restoration
  • 5% increase in sum insured for a claim-free year, maximum up to 25%
  • Sum Insured from INR 1.5 lakh to INR 15 lakhs
  • Age of Entry- 5 months - 65 years (Only renewal can be done post 65 years)
  • Policy Term-1 year
Star Health Gain Insurance Plan
  • A flexible health insurance plan that lets you choose a sum insured and a premium amount that suits you
  • Available on individual and family basis
  • 4 premiums options with 5 sum insured variants
  • Sum Insured from INR 1 lakh to INR 5 lakhs
  • Age of Entry-91 days - 65 years 
  • Policy Term-1 year
  • Premium INR 15,000/ INR 20,000/ INR 25,000 and INR 30,000
Star Super Surplus Health Insurance Plan
  • A traditional health insurance plan that comes with wide coverage
  • No pre-policy medical tests required
  • Variants:
    • Silver Plan
    • Gold Plan
  • Sum Insured from INR 3 lakhs to INR 10 lakhs
  • Age of Entry- 18 years - 65 years
    • Children 3 months-25 years
  • Policy Term- 2 years
Star Diabetes Safe Health Insurance Plan
  • Health insurance plan specifically catering to diabetics 
  • Covers Type 1 and Type 2 diabetes
  • 100% automatic restoration of the sum insured
  • Covers out-patient treatments
  • Variants-
    • Plan A- Pre-Policy Check-Up
    • Plan B-Pre-Policy Check-Up
  • Sum Insured from INR 3 lakhs to INR 10 lakhs
  • Age of Entry-18 years - 65 years 
  • Policy Term-1 year
Star Cardiac Care Health Insurance Plan 
  • Suitable for people with prevailing heart issues
  • Covers cardiac, non-cardiac and accidental treatments
  • Variants:
    • Silver Plan
    • Gold Plan
  • Covers out-patient treatments
  • Entry age 10 years - 65 years
  • Policy Tenure 1 year
  • Sum Assured INR 3 lakhs to INR 4 lakhs
Star Net Plus Health Insurance Plan
  • This plan caters to people who are HIV positive and offers them strong financial support
  • No limit on entry age
  • Sum assured INR 30,000 to INR 50,000
  • Premium ranges between INR 2,500-INR 4,000
Star Care Micro Health Insurance Plan
  • Covers the whole family on a single premium, under a single sum insured
  • Available on Individual and Family Floater basis, in Tier and Tier II places
  • No pre-policy check-up required
  • Age of Entry- 18 years - 65 years
    • Children 2 years-25 years
  • Sum Insured 1 lakh
Star Criticare Plus Health Insurance Plan
  • An individual health insurance policy that offers compensation for hospitalisation expenses, caused by illnesses or injuries
  • Covers 9 critical diseases 
  • Offers lump sum compensation when the insured is diagnosed with a listed illness
  • Age of Entry- 18 years - 65 years
  • Sum Insured INR 2 lakhs-INR 10 lakhs
  • Policy Term-1 year
Star Family Delite Health Insurance Plan
  • A family health insurance plan that offers compensation for hospitalisation expenses caused by illnesses or injuries
  • Offers lump sum compensation when the insured is diagnosed with any of the 9 listed illnesses
  • Age of Entry- 18 years - 65 years
    • Dependent Children 5 months to 25 years
  • Sum Insured INR 2 lakhs-INR 3 lakhs
Star Cancer Care Gold Health Insurance Plan
  • Health insurance plan that covers individual cancer-patient
  • Offers lump sum compensation when the insured is diagnosed with any of the 9 listed illnesses
  • Age of Entry- 5 months - 65 years
  • Sum Insured INR 2 lakhs-INR 5 lakhs
  • Policy Tenure 1 year
Star Special Care Health Insurance Plan
  • An individual health insurance plan for children detected with Autism Spectrum Disorder
  • An indemnity based health cover
  • Covers behavioural treatments such as speech therapy, physiotherapy, occupational therapy
  • Entry Age 3 years-25 years
  • Sum Assured INR 3 lakhs
  • Policy Term 1 year
Star Hospital Cash Health Insurance Plan
  • Available on individual and family basis, this plan offers cover for additional expenses during hospitalisation
  • Lump-sum payment in case of hospitalisation
  • Variants
    • Basic Plan 
    • Enhanced Plan
  • Sum Assured INR 3 lakhs-INR 5 lakhs
  • Policy Term 1 year/ 2 years/ 3 years
Star Micro Rural and Farmer Care
  • Special cover for rural individuals and families in case of hospitalisation
  • Available on individual and family basis
  • Entry Age 18 years - 65 years, dependent children up to 25 years
  • Sum Insured 
    • Individual INR 1 lakh
    • Floater INR 2 lakhs
  • Policy Term 1 year
  • Covers day-care procedures
Star Outpatient Care Insurance Policy
  • An affordable policy that covers outpatient treatments
  • Covers Non-Allopathic treatments as well
  • Entry age
    • Adults 18 - 50 years
    • Children 31st day-25 years
  • Sum Insured INR 25,000 to INR 1 lakh
  • Available on individual and family basis
  • Variants available:
    • Silver Plan
    • Gold Plan
    • Platinum Plan
  • Policy Term 1 year
Young Star Insurance Policy
  • An appropriate health insurance option, especially at a young age
  • 100% automatic restoration of the sum insured
  • Cumulative bonus of 20% of sum insured for each claim-free year
  • Variants available:
    • Silver Plan
    • Gold Plan
  • Entry age
    • Adults 18 - 40 years
    • Children 91 days-25 years
  • Lifelong renewability 
Star Novel Coronavirus  (COVID-19) Insurance Policy 
  • An affordable health insurance policy to help you afford the treatment of COVID-19
  • 100% lump sum claim payment
  • A waiting period of only 16 days
  • Sum Insured Options INR 21,000 and INR 42,000 on an individual basis
Arogya Sanjeevani, Star Health and Allied Insurance
  • A beneficial and affordable health insurance policy
  • Entry Age 3 months to 65 years
  • A variable sum insured up to INR 10 lakhs
  • Policy Term 1 year
  • No pre-policy medical screening up to 55 years of age
  • 5% cumulative bonus for every claim-free year, up to 50%
Corona Kavach
  • Standard health insurance plans, that offer COVID-19 treatment cost
  • Available on individual and family basis
  • Entry age
    • Adults 18 - 65 years
    • Children 1 day-25 years
  • Policy Tenure 3½ months, 6½ months, 9½ months
  • Sum Insured INR 50,000 to INR 5 lakhs
Corona Rakshak
  • Standard health insurance plans, that offers a lump sum benefit to the COVID-19 positive policyholder
  • Available on an individual basis
  • Sum Insured- INR 50,000/ INR 1 lakh/ INR 1.5 lakh/ INR 2 lakhs/ INR 2.5 lakhs
  • Entry Age 18 years to 65 years
  • Policy Tenure 3½ months, 6½ months, 9½ months

         2. Star Health & Allied Insurance - Travel Insurance
Star Health & Allied Insurance Company offers travel insurance plans that cover medical expenses as well as various other risks that you may face when you travel abroad. The company offers travel plans that give you the peace of mind when you are away from home.

Type of Insurance Main Features of the Insurance Plan
Star Travel Protect Insurance Plan
  • A policy that is sanctioned quickly for travellers going overseas
  • Worldwide covered in US Dollars
  • Sum Insured from USD 50,000 to USD 5 lakhs
  • Covers emergency medical expenses 
  • Covers flight cancellation, delays, other distress issues
  • Covers legal liabilities

Star Corporate Travel Protect Insurance Plan

 

  • Suitable policy for business travellers going overseas
  • Option to choose Multiple Travel Plans with the option of 30/ 45 days in a trip
  • Entry Age 18 years 
  • Sum Insured USD 1 lakh, USD 2.5 lakhs and USD 5 lakhs
Star Student Travel Protect Insurance Plan
  • A health insurance policy that offers coverage to students pursuing higher studies abroad
  • Covers dental and other emergency medical expenses
  • The maximum period of coverage is 365 days and can be extended for 365 days more
  • Offers many compassionate benefits
  • Students between the age of 15 - 40 years are covered

        3. Star Health & Allied Insurance - Accident Care Plans

  • Star Health & Allied Insurance Company helps you deal with the financial aspect of an untoward accident. It covers:
  • Accidental Death
  • Permanent Disability
  • Temporary Disablement

It also provides various benefits such as cumulative bonus, educational grant and compensation for permanent total disablement.

Type of Insurance Main Features of the Insurance Plan
Accident Care Individual Insurance Policy
  • Covers: Accidental Death, Permanent Disability and Temporary Disablement
  • Compensation for Permanent Total disablement is 150% of the sum insured
  • Enhanced weekly compensation up to INR 15,000 per week
  • Educational grant for dependent children
Family Accident Care Insurance Policy
  • Covers: Accidental Death and Permanent Disability 
  • Compensation for Permanent Total disablement is 100% of the sum insured
  • Sum Insured Minimum INR 1 lakh and maximum INR 50 lakhs
Student Care
  • Covers: Accidental Death and Permanent Total Disability 
  • Covers hospitalisation for accidental injuries
  • Sum Insured:
    • School Student INR 50,000 and INR 1 lakh
    • College Student INR 75,000 and INR 2 lakhs
Group Accident Insurance Policy
  • Suitable for employers/ organisations
  • Worldwide coverage
  • Customisable plans to suit group insurance needs

Star Health & Allied Insurance Company - Premium Payment

To pay the premium conveniently, Star Health allows payment in two ways, you can pay the premium in any of the two following ways:

  • Online Method
    The payment can be made online by visiting the official website and making the payment using net banking/ credit or debit card/ mobile wallet. 
  • Offline Method
    For paying the premium offline, you need to personally visit a branch office. You can pay via cash or cheque. Another way to pay the premium is through a trusted insurance agent.

Star Health & Allied Insurance Company - Renewal of Policy

  • Online Method
    To renew your health insurance policy you simply need to visit the company website and go to ‘Renewals’. Or you can click https://www.starhealth.in/customerportal/instant-renewal and go to the page directly. Enter your policy number and date of birth, and you will be directed to a new page. Here you can pay the amount that is due and your policy will be renewed. 
  • Offline Method
    If you wish to pay the premium offline, you can either do it at a branch office or through an authorised insurance agent. 

     

Star Health & Allied Insurance Company - Renewal of Expired Policy

When you buy a policy, you must keep its renewal a priority. The best way to ensure that never let a policy expire is to get it renewed before it reaches the expiry date. This way you can ensure break-free coverage and not be in a financial crisis when unwell.

In case you missed paying your premium, and the policy has now expired, you can get in touch with the customer care. They will guide you on how to renew your particular policy. 

Star Health & Allied Insurance Company - Claim Procedure

Star Health promises its customers a hassle-free and customer-centric claim process. They make sure that all the claims are quickly and easily settled. When you have to make a claim, make sure you intimate the company at the earliest. In the case of planned hospital admission, you must inform the company 24 hours prior, and in case of an emergency, the intimation should be done within 24 hours. You can either call the customer care at 1800 425 2255 / 1800 102 4477 or e-mail them at this address support@starhealth.in or cashless.network@starhealth.in or send a fax to 1800 425 5522. 

Let us take a look at the claim procedures in detail. 

  1. Cashless Claim
    If you wish to go for cashless treatment, you must get admitted into a network hospital. Network hospitals have a collaboration with the company and the bills are settled by the company.  To locate a network hospital near you click: https://spp.starhealth.in/#/ 
    At the hospital, you would have to show your Health Card and submit the treatment-related documents.  After verification of the documents, the treatment will begin and your bill will be settled by the company. You will, however, have to pay for the non-covered expenses.

     
  2. Reimbursement Claim
    If you get the treatment in a non-network hospital, you can still make a claim, however, you would pay your bill yourself first and after all the paperwork, the company will reimburse the expenses. Make sure that you intimate the company on time and after the treatment, submit the claim form and all required documents within 15 days of the date of discharge. Once all verification is done, you will be reimbursed with the claim amount, in your savings account. You will, however, have to bear the non-covered expenses.

     

Star Health & Allied Insurance Company Limited - Company Profile

In the financial year 2019-20, Star Health & Allied Insurance Company Limited recorded a gross written premium of INR 6,865 crores. Outlook Money Awards felicitated the company with “Health Insurance Provider of the Year-2018”, Business Today - Money Today financial awards 2018 – 2019 named the company as the “Best Health Insurance Provider of the year 2018”. With its presence in over 640 branches all through the country, the company is aiming to be India’s leading insurance company. 

 Star Health & Allied Insurance Company Limited - Customer Care Details

Official Websitehttps://www.starhealth.in 
Email IDsupport@starhealth.in  
Helpline Number1800 425 2255
1800 102 4477
Company Address No 1, New Tank Street, Valluvarkottam High Road, Nungambakkam, Chennai-600034
FAQs
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