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Surgeries that Star Health Insurance Covers

By Juhi Walia
26 August 2022, 2:14 PM

Surgery costs are not only high but also vary based on the ailment for which the surgery is to be done. Each organ is different and thus requires specific treatment for the patient to recover from the ailment. For example, brain surgery costs start from INR 1 lakh in India and can go beyond INR 5-10 lakh depending on the location, the type of hospital where the operation is performed, etc. Similar costs can be the case for heart surgery. Worry not, as these tall surgery costs can be covered under Star health insurance, a leading India-based health insurance company.   

The health insurance plans from Star health insurance offer much-needed insurance protection for a range of healthcare costs, such as inpatient hospitalisation costs, pre- and post-hospitalization costs, childcare costs, ambulance costs, etc. Here’s a list of surgeries that Star health insurance plans cover. 

Surgeries Covered Under Star Health Insurance Plans

Cardiac Surgery

The average cost of a cardiac operation ranges from Rs. 1.9 to Rs. 7.9 lakhs. The quantity insured offered by Star health insurance policies ranges from Rs. 5 lakh to Rs. 20 lakh. 

Fortunately, surgeries available nowadays can help heart patients recover from the disease. Heart transplants, CABG, and other cardiac-related surgeries are all covered by the Star Cardiac Care Insurance Policy, which has been created specifically for this purpose. Star Comprehensive Insurance Policy and Star Criticare Plus Insurance Policy are two more plans that cover cardiac surgery. 


Brain surgeries, also known as neurosurgeries, are required to treat various conditions such as clots, tumours, epilepsy, and others. These procedures, including biopsy, craniotomy and deep brain stimulation, can cost you INR 2.5 lakh-14.6 lakh.

Star health insurance plans that cover brain surgeries include Star Critical Illness Multipay Insurance Policy, Star Criticare Plus Insurance Policy, Star True Value Health Insurance Policy, and others, with sums insured ranging from INR3 lakhs to INR 25 lakhs depending on the plan. Depending on the policy purchased, the waiting time might range from 90 days to 24 months.


Cancer is a deadly condition that causes irreparable damage to the body's healthy components. The Cancer Care Gold Plan from Star Health & Allied Insurance will pay for any costs associated with any necessary treatment due to a confirmed cancer diagnosis.

Read more - 10 Reasons Why Having a Cancer Insurance Policy is Beneficial

Surgery to Remove a Kidney

This surgery, also known as lithotripsy, involves using a ureter scope to break down big kidney stones.

It is covered under various policies, including Star Comprehensive Insurance Policy, Star True Value Health Insurance Policy, Super Surplus Insurance Policy, etc. This procedure has a 24-month waiting period and comes at a price ranging from INR 1 lakh to INR 2 lakhs. Depending on whether the plan is a family floater health insurance or an individual health insurance plan, the sum covered might range from INR 2 lakhs to INR 7 lakhs.

Surgery for Liver Transplants

This procedure is necessary when a dysfunctional or dead liver needs to be replaced with a healthier one. Multiple Star health insurance policies insure you against these ailments for amounts ranging between INR 5 lakhs and INR 1 crore. Star Medi classic Insurance Policy (Individual), Star Criticare Plus Insurance Policy, and Star Comprehensive Insurance Policy are a few policies that cover liver transplants. Depending on your chosen Star health insurance plan, the waiting period for liver transplant surgery ranges from 90 days to 24 months.

Robotic Surgery

Complex surgeries requiring greater flexibility and precision must be performed with robots. Depending on the technique, these can cost anywhere from INR 1.4-11 lakh. Numerous policies, with insured amounts ranging from INR 5 lakh-1 crore, cover these surgeries, including Star True Value Health Insurance Policy, Star Comprehensive Insurance Policy, and Star Super Surplus (Floater) Insurance Policy. The robotic surgery’s waiting period is 30 days.

Hip Replacement Surgery

Senior Citizens Red Carpet Health Insurance Policy, Star True Value Health Insurance Policy, and Family Health Optima Insurance Plan are some Star health insurance policies that cover this surgery. The level of coverage depends on the chosen sum insured. The sum insured might range from INR 5-25 lakhs with a 24-month waiting period depending on your plan.

Knee Replacement Surgery

This procedure, also known as a knee arthroplasty, is necessary when arthritis or rheumatism is the cause of excruciating pain. The procedure can range from INR 2-9 lakh, and it is covered by various Star health insurance plans with varying sum insured amounts for the same.

Star Comprehensive Insurance Policy, Star Family Health Optima Insurance Plan, and Star Criticare Plus Insurance Policy are a few insurance policies that cover this procedure. For joint replacement surgery, a 24-month waiting period is required.

Surgery for Cataracts

Cataract surgery is one of the most popular procedures performed in India to improve vision.

Several Star health insurance plans, including Star Family Health Optima Insurance Plan, Star Comprehensive Insurance Policy, and Star Super Surplus (Floater) Insurance Policy, cover the cost of the surgery, which can range from INR 50,000-1 lakh. You may be eligible for benefits up to the selected sum insured, which can be anywhere from INR 2 lakh and more, depending on the plan. There is a 24-month waiting period before the procedure.

Read more - Is Cataract Surgery Covered In Health Insurance?


According to a survey done by Mint, a popular English daily newspaper, nearly two-thirds of the Indian population lacks health insurance and is compelled to borrow money or sell assets to pay for hospitalisation expenses. Fortunately, you may choose from various affordable Star health insurance policies in India.

With an affordable Star health insurance plan, you may cover charges that could place an additional financial burden on you during medical treatment.


1. What does a family floater plan for Star health insurance do?

Your entire family's hospitalisation bills are covered by a single policy. The family floater health plan covers medical expenses during unexpected illnesses, surgeries, and accidents.

2. Does Star health insurance cover diagnostic tests?

All diagnostic tests, such as X-rays, MRIs, and blood tests, are covered under health insurance as long as they are related to the patient's stay in the hospital for at least 24 hours. 

3. Does Star health insurance provide lump sum benefits in case of any critical illness?

Section 1 of Star Criticare Plus covers hospitalisation benefits, while Section 2 covers lump sum compensation in the event of a diagnosis of any significant critical illness mentioned in the policy. If any of the major illnesses covered in the policy are diagnosed, the lump sum payout is 100% of the sum insured. 

4. Where can I avail of cashless hospitalization under Star health insurance plans?

Star health insurance plans cover your cashless hospitalization costs at any of the network hospitals the company has tied up with across the country. You can check the list of such hospitals on the official website of Star Health & Allied Insurance.

5. What is needed to avail of cashless hospitalization at Star health insurance network hospitals?

Upon reaching the network hospital, you need to show your health insurance card and submit any of the government-approved identity proofs - Aadhaar Card, Pan Card, Voter ID, etc. You will need to fill in a form mentioning your details on it. The hospital will check the details and forward your cashless request to Star Health & Allied Insurance for authentication. Once the approval comes, cashless hospitalization will get initiated.

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