Star Health Insurance

Star Health and Allied Health Insurance is the first standalone health insurance provider in India. It has been selling some of the best and most popular health insurance policies ever since it commenced operations in 2006. The company is well-known for offering economical health insurance plans that are very comprehensive. The Star health plans are available for families, senior citizens, pregnant women and individuals as well.

Star Health and Allied Insurance provides a variety of cheap health insurance plans for people, families, and businesses. The policies cover the insured's health checks, AYUSH medicinal systems, critical diseases, and hospitalisation costs. In addition, COVID coverage is now available via Star health insurance's medical insurance policies. One of the primary benefits of purchasing Star health insurance policies is that insured individuals under the age limit of 60 years do not need to make any co-payment. The company has a very good online presence and so buying health plans online is an easy thing to do.

This page will offer a deep dive into Star health insurance policy details.

Star Health Insurance Key Highlights

Why Should You Buy a Star Health Insurance Policy?

Star health insurance is an insurance company in India. It's a leading provider of health insurance, which allows you to have an easy time while getting the best possible care at an affordable price. More and more Indian people are turning to this company because of its excellent service and reasonable policies compared to other companies in the market.

Here are the main characteristics of Star health insurance plans:

• 12000+ network hospitals
• AYUSH treatment coverage
• Affordable premiums
• Comprehensive coverage
• Modern procedures cover

Choose from a Wide Range of Multiple Star Health Insurance Plans:

Star Health Insurance Plans in Details

Being one of the leading health insurers in India, Star health insurance brings you the best of both worlds – comprehensive coverage and affordable premium rates. You may select from the following selection of health insurance options.

1. Star Women Care Insurance Policy

This is a special insurance policy for women issued by Star health insurance. Females who are in the age group of 18 years to 75 years are eligible for this plan. The coverage also extends to her spouse and 3 dependent kids. The sum insured amount ranges from INR 5 lakhs to INR 1 crore.

Coverage:

1. In-patient hospitalisation
2. Pre-hospitalisation
3. Post-hospitalisation
4. Non-medical items
5. Daycare treatments
6. Road ambulance expenses
7. Air ambulance expenses
8. Organ donor expenses
9. AYUSH treatment cover
10. Bariatric surgeries
11. Modern treatment cover
12. Auto sum insured restoration
13. Cumulative bonus
14. Shared accommodation cover
15. Pain management and rehabilitation cover
16. Assisted reproduction treatment
17. Pregnancy care
18. In utero fetal repair or surgery
19. Voluntary sterilisation expenses
20. Accidental miscarriage
21. Delivery expenses
22. Newborn baby expenses
23. Out-patient medical consultants
24. Preventive healthcare
25. Star wellness program
26. Cancer benefit

2. Star Comprehensive Insurance Policy

This Star health insurance plan offers comprehensive health coverage for you and your family. Anyone who is between the age range of three months and sixty-five years. The sum insured amount ranges from INR 5 lakhs to INR 1 crore.

Coverage:

1. In-patient hospitalisation
2. Pre-hospitalisation
3. Post-hospitalisation
4. Road ambulance cover
5. Outpatient medical consultation
6. Domiciliary hospitalisation
7. Delivery and newborn baby expenses
8. Out-patient dental & ophthalmic treatment
9. Organ donor expenses
10. Hospital cash benefit
11. Health check-ups
12. Bariatric surgery
13. Second medical opinion
14. AYUSH treatment cover
15. Accidental death
16. Permanent total disablement
17. Star wellness program
18. Pre-existing diseases buy back
19. Modern treatment cover
20. Auto sum insured
21. Cumulative bonus

3. Senior Citizens Red Carpet Health Insurance Policy

This is a senior citizen-focused health insurance plan by Star health insurance. The minimum age requirement is between 60 years and 75 years. The plan also offers policy term options of 1/2/3 years . The sum insured ranges from INR 1 lakhs to 25 lakhs for individuals and from INR 10 lakhs to 25 lakhs for family floater coverages.

Coverage:

1. In-patient hospitalisation
2. Pre-hospitalisation (30 days)
3. Post-hospitalisation (7% of overall hospitalisation expenses)
4. Modern treatment cover
5. ICU Charges
6. Emergency ambulance expenses
7. All day-care procedures
8. Out -patient consultation
9. Healthcare Checkup expenses

4. Family Health Optima Insurance Plan

This is a family-floater health insurance plan. Individuals from the age of 18 years to the limit of 65 years are eligible for this plan. The sum insured ranges from INR 3 lakhs to INR 25 lakhs. The plan includes the proposer, spouse, dependent parent(s), dependent parent(s)-in-law and dependent children (up to the age of 25 years). 

Coverage:

1. In-patient hospitalisation
2. Pre-hospitalisation
3. Post-hospitalisation
4. Modern treatment cover
5. Day care therapy cover
6. Domiciliary hospitalisation
7. Organ donor expenses cover
8. Healthcare check-up expenses
9. Newborn baby cover
10. Emergency domestic health evacuation
11. Compassionate visits
12. Mortal remains repatriation
13. Valuable service provider treatments
14. Shared accommodation cover
15. Second medical opinion
16. Assisted reproduction therapy cover
17. Additional RTA sum insured
18. Auto sum insured restoration
19. Cataract surgery
20. Recharge benefit
21. Cumulative bonus

5. Star Health Premier Insurance Policy

This is a family healthcare plan whose primary policyholder is at least 50 years old. The policy tenure is up to 3 years and the policy size is 2 adults with 3 children. The sum insured ranges from INR 10 lakhs to INR 1 crore.

Coverage:

1. In-patient hospitalisation
2. Pre-hospitalisation
3. Post-hospitalisation
4. Cataract surgery
5. Non-medical item expenses
6. Road ambulance cover
7. Air ambulance cover
8. Organ donor expenses
9. AYUSH treatment cover
10. Bariatric surgeries
11. Modern treatment cover
12. Domiciliary hospitalisation
13. Auto sum insured restoration
14. Cumulative bonus
15. Pain management and rehabilitation
16. Hospice care
17. Home care treatment cover
18. Healthcare check-up benefit
19. Outpatient medical expenses
20. Star wellness program

6. Super Surplus Insurance Policy

This is a top-up plan from Star health insurance. It can be obtained on an individual base or a family floater base. Anybody aged from 18 years up to the limit of 65 years. For the family floater plan, the age eligibility remains the same.

Variants:

• Silver Plan – Individual 

This variant has a sum insured ranging from INR 7 lakhs to 10 lakhs with a deductible amount of INR 3 lakhs.

Coverage:

1. In-patient hospitalisation such as ICU Charges, anaesthesia, surgeons fees, doctor’s fees, cost of pacemaker, OT charges, blood, oxygen, etc.
2. Pre-hospitalisation (30 days)
3. Post-hospitalisation (60 days)
4. Modern treatment cover
5. Pre existing disease coverage for specific ailments after 24 months
6. Pre existing disease coverage after 36 months of continuous renewal
7. Gold Plan – Individual

This variant has a sum insured ranging from INR 5 lakhs to 1 crore with the deductible amount varying from INR 3 lakhs to 25 lakhs.

Coverage:

1. In-patient hospitalisation
2. Pre-hospitalisation (60 days)
3. Post-hospitalisation (90 days)
4. Modern treatment cover
5. Emergency ambulance expenses cover
6. Air ambulance cover
7. E-medical opinion
8. Delivery expenses
9. Organ donor expenses
10. Recharge benefit
11. Wellness service
12. Deductible waiver
13. Silver Plan – Family Floater

This variant has a sum insured of 10 lakhs with deductible amounts of INR 3 lakhs and 5 lakhs.

Coverage:

1. In-patient hospitalisation such as ICU Charges, anaesthesia, surgeons fees, doctor’s fees, cost of pacemaker, OT charges, blood, oxygen, etc.
2. Pre-hospitalisation (30 days)
3. Post-hospitalisation (60 days)
4. Modern treatment cover
5. Pre existing disease coverage for specific ailments after 24 months
6. Pre existing disease coverage after 36 months of continuous renewal
7. Gold – Family Floater

This variant has a sum insured ranging from INR 5 lakhs to 1 crore, with the deductible amount varying from INR 3 lakhs to 25 lakhs.

Coverage:

1. In-patient hospitalisation
2. Pre-hospitalisation (60 days)
3. Post-hospitalisation (90 days)
4. Modern treatment cover
5. Emergency ambulance expenses covers
6. Air ambulance cover
7. E-medical opinion
8. Delivery expenses
9. Organ donor expenses
10. Recharge benefit
11. Wellness service
12. Deductible waiver

7. Medi Classic Insurance Policy

This is an individual health insurance policy from Star health insurance. Any individual aged from 5 months up to the limit of 65 years is eligible. The sum insured ranges from INR 1.5 lakh to 15 lakhs.

Coverage:

1. In-patient hospitalisation
2. Pre-hospitalisation (30 days)
3. Post-hospitalisation (60 days)
4. Modern treatment cover
5. Healthcare check-up expenses
6. Cataract surgery
7. Psychosomatic and psychiatric disorders
8. Cumulative bonus

8. Star Health Gain Insurance Policy

This health insurance offers you complete flexibility in the sum insured and premium amounts. Sum insured options are INR 1 lakh, 2 lakh, 3 lakh, 4 lakh and 5 lakhs. You get to choose your option and pay premiums accordingly.

Coverage:

1. In-patient hospitalisation
2. Out-patient expenses
3. Pre-hospitalisation (30 days)
4. Post-hospitalisation (60 days)
5. Day care treatments
6. Cataract treatment

9. Star Criticare Plus Insurance Policy

This is a critical illness plan offered by Star health insurance. Apart from regular benefits, it offers a lumpsum payout if the insured is diagnosed with 9 listed major illnesses. The age eligibility range is from 18 years to 65 years.

Coverage:

1. In-patient hospitalisation
2. Critical illness cover
3. Pre-hospitalisation (30 days)
4. Post-hospitalisation (7% of overall hospitalisation expenses)
5. Ambulance charges
6. Specific day-care procedures

Critical Illness Coverage:

• Brain tumour
• First cancer diagnosis
• First time major organ transplant
• Chronic kidney diseases
• First time established irreversible paraplegia
• First time left ventricular ejection fraction of less than 25% caused by acute myocardinal infarction
• First time Hemiplegia caused by cerebrovascular stroke
• First time established irreversible quadriplegia
• First time established irreversible coma

10. Star Micro Rural and Farmers Care

This plan meets the requirements of persons and their families who are hospitalised in rural regions due to accidents or illness. With no pre-acceptance medical screening necessary, the eligibility requirements only require you to be in the age range of 18-65 years. The sum insured for family floaters is INR 2 lakh and INR 1 lakh for individual plans.

Coverage:

1. In-patient hospitalisation
2. Cataract treatment
3. Day care treatment
4. Modern procedures

11. Star Hospital Cash Insurance Policy

This Star health insurance policy offers you a daily allowance when you are hospitalised. The eligible age range is 18-65 years. The daily cash amount ranges from INR 1000 to 3000 for the base variant and INR 3000 to 5000 for the enhanced plan variant. The base plan offers 30-180 days of allowance while the enhanced plan offers 90-180 days.

Coverage:

1. Sickness cash
2. Accidental hospitalisation cash
3. ICU hospital cash
4. Daycare procedures cash
5. Convalescence hospital cash (Enhanced plan only)
6. Childbirth hospital cash (Enhanced plan only)
7. Worldwide hospital cash (Enhanced plan only)

12. Star Out Patient Care Insurance Policy

This health insurance only focuses on outpatient treatments. The eligibility age requirement is from 18-50 years. The sum insured depends on the type of variant you chose – it ranges from INR 25000 to 1 lakh.

Coverage:

1. Outpatient consultation expenses at any partnered medical facility
2. Diagnostics
3. Physiotherapy
4. Pharmacy expense
5. Dental treatment expenses covers
6. Ophthalmic treatment cover

13. Young Star Insurance Policy

This is a teenager-focused health insurance plan. The eligibility age requirement is between 18 years and 40 years. The sum insured ranges from INR 3 lakhs to 1 crore. There are two plan options – silver and gold.

Coverage:

1. In-patient hospitalisation
2. Emergency road ambulance
3. Pre-hospitalisation (60 days)
4. Post-hospitalisation (90 days)
5. Modern treatment cover
6. E-medical opinion
7. Healthcare checkup expenses
8. Auto sum insured restoration
9. Cumulative bonus
10. Additional RTA sum insured
11. Star Wellness Program
12. Delivery expenses (Gold plan only)
13. Hospital cash benefit (Gold plan only)

14. Arogya Sanjeevani Policy

This policy was designed to address the most important clinical components of an individual's rehabilitation process. The coverage covers everyone between the ages of three months and sixty-five years, with a flexible sum insured amount of up to a limit of INR 10 lakhs. 

Coverage:

1. In-patient hospitalisation
2. Pre-hospitalisation (30 days)
3. Post-hospitalisation (60 days)
4. Cataract treatment
5. AYUSH treatment
6. Cumulative bonus
7. All day-care procedures
8. Road ambulance
9. incentive care unit
10. Modern treatments

15. Star Health Assure Insurance Policy

This health insurance policy is made to offer coverages against hospitalisation due to accident or illness. The eligibility requirements for adults is 18-75 years and for dependent children is from 16 days to 17 years.

Coverage:

1. In-patient hospitalisation
2. Pre-hospitalisation (60 days)
3. Post-hospitalisation (180 days)
4. Consumables expenses cover
5. Emergency road ambulance expenses
6. Air ambulance cover
7. Domiciliary hospitalisation
8. Organ donor expenses
9. Healthcare checkup assure
10. Home care treatment
11. Delivery expenses cover
12. In Utero fetal intervention or surgery
13. Assisted reproduction treatment
14. Newborn baby hospitalisation expenses
15. Chronic severe refractory asthma treatment
16. Compassionate visits
17. Mortal remains repatriation
18. Valuable service provider network treatment
19. Second medical opinion
20. AYUSH treatment cover
21. Modern treatment cover
22. Cumulative Bonus
23. Auto sum insured restoration
24. Pain management and rehabilitation
25. Star wellness program

16. Accident Care Individual Insurance Policy

As the name suggests, this is an individual accidental health insurance plan. The entry age range is 18-70 years. The sum insured is based on the monthly income of the policyholder. The sum insured on this plan is done on the basis of monthly earnings from any gainful employment as specified by Star health.

Coverage:

1. Accidental death
2. Permanent total disablement
3. Permanent partial disablement
4. Temporary total disablement
5. Education grant
6. Ambulance charges
7. Mortal remains transportation
8. Travel expenses of up to one relative
9. Residence and vehicle modification
10. Blood purchase
11. Imported medicines transportation
12. Cumulative bonus

Optional Coverage:

1. Extension of medical expenses
2. Winter sports cover
3. Hospital cash
4. Home convalescence

17. Family Accident Care Insurance Policy

This is a family floater accidental health insurance plan from Star health insurance. The entry age range is from 16 days and 65 years. The insured sum ranges from INR 1 lakh to 50 lakhs.

Coverage:

1. Accidental death
2. Permanent total disablement
3. Permanent partial disablement
4. Temporary total disablement

18. Saral Suraksha Bima

This is a benefit-oriented health insurance policy that pays out reimbursement for accidents suffered by the insured-patient throughout the policy term. Anyone within the age group of 18-70 years can get this policy. The sum insured ranges from INR 2.5 lakhs to 1 crore.

Coverage:

1. Accidental death
2. Permanent total disablement
3. Permanent partial disablement
4. Cumulative bonus

Optional Coverage:

1. Temporary total disablement
2. Accidental hospitalisation
3. Education Grant

19. Star Travel Protect Insurance Policy

This is an international travel health insurance policy. Anyone living in India who is aged between 6 months to 70 years is eligible. 

Coverage:

1. Emergency healthcare expenses
2. Mortal remains transportation
3. Emergency healthcare transportation to India
4. Dental emergencies
5. Lost checked-in baggage
6. New passport expenses
7. Delay of flight
8. Missed departure/connection
9. Emergency purchases of consumables resulting from delay of checked-in baggage hand over
10. Trip cancellation
11. Third-party liability
12. Hijack distress
13. Trip extension expenses cover

20. Star Student Travel Protect Insurance Policy

This is a travel health insurance plan for students. This policy can be very beneficial to students who are travelling abroad for education or other reasons. It includes cashless hospitalisation and other benefits. It even includes legal claims and study interruption benefits along with value-added benefits like cashless hospitalisation and 24x7 helpline within its coverage.

Coverage:

1. Medical expenses
2. Travel-related benefits
3. Legal third-party claims
4. Compassionate visits
5. Study interruption benefits
6. Passport and baggage cover
7. Emergency transportation back to India
8. Dental emergency expenses

21. Star Corporate Travel Protect Insurance Policy

This is a group travel health insurance plan for company executives who frequently travel overseas. Under this plan, the corporate executives can also opt for multiple travel plans with an option of 30 or 40 days per trip. 

Coverage:

1. Emergency healthcare expenses
2. Mortal remains transportation
3. Emergency healthcare transportation to India
4. Dental emergencies
5. Lost checked-in baggage
6. New passport expenses
7. Delay of flight
8. Accidental injuries compensation
9. Emergency purchases of consumables resulting from delay of checked-in baggage hand over
10. Missed departure
11. Hijack distress
12. Third-party liabilities
13. Travel expenses of substitute employee

22. Star Group Health Insurance

A group health insurance policy covers a specific group of individuals, typically employees of a professional body, society, or business personnel. The health and medical expenditures will be covered by the group health insurance coverage. 

Coverage:

1. In-patient hospitalisation
2. Pre-hospitalisation
3. Post-hospitalisation
4. AYUSH treatment cover
5. Emergency road ambulance expenses
6. Daycare treatment
7. Cataract surgery
8. Maternity benefits
9. New born cover

23. Corona Rakshak Policy

This policy offers specialised COVID coverage to the insured. With sum insured ranging from INR 50,000 to INR 2,50,000, this plan offers up to 100% sum insured one-time lumpsum payout to COVID positive insured-patients.No pre-acceptance medical test is mandatory. According to the most recent government order, the deadline for purchasing or renewing is September 30th, 2022.

Coverage:

1. COVID hospitalisation benefit

24. Corona Kavach Policy

STAR Health provides the Corona Kavach Policy to assist patients overcome financial challenges while recuperating from COVID. An indemnity coverage that covers hospitalisation expenditures incurred as a result of COVID-19 therapy and treatments up to the amount of sum insured. According to the most recent government order, the deadline for purchasing or renewing is September 30th, 2022.

Coverage:

1. COVID hospitalisation
2. Road ambulance expenses
3. Home care treatment
4. AYUSH treatment expenses
5. Pre-hospitalisation (30 days)
6. Post-hospitalisation (60 days)

Optional Coverage:

1. Hospital cash benefit

Star Health Insurance Benefits

If you have been looking for health insurance in India, then Star health is probably the right choice. The reason behind this fact is that this insurer also provides other services along with providing healthcare and medical coverage to its clients. The insurer offers various health insurance plans that have proved to be effective in helping people get covered. 

Here are some of the key benefits offered by Star health insurance:

1. Wide Range of Coverage

The Star health plans bring economic and medical insurance within reach of many people and this is one of the biggest advantages on offer. Star health has a wide range of health covers on offer, such as family health plans, senior citizen health insurance plans, diabetic health plans, maternity plans, etc. The Star health plans have a wide range of benefits and covers including in-patient care, post and pre-hospital covers, domiciliary care, day-care procedures, OPD covers and so on. 

2. Large Hospital Network

The company has more than 12,000 hospitals across the country on its list of network hospitals, making it easy for you to find a medical centre of your choice. This large network of partnered hospitals not only helps the policyholders receive cashless treatment but also ensures that in any emergency case, the insured can receive high-quality treatment at any of the network medical facilities.

3. Lifelong Renewability

Most of the Star health insurance plans have the lifelong renewability option, given that the policyholder does not bother about the renewal date. This feature helps the insured enjoy policy coverage without any gaps due to policy lapse.

4. Quick Claim Settlement

The company has an in-house claim settlement team, which makes it simple for the policyholders to get cashless claims in less than 2 hours. The company boasts a claim settlement ratio of 99.9% in a period of less than 3 months and 0.54% in a period between 3 months to 6 months. This number explains clearly why Star health is regarded as one the best claim settling health insurance providers in the country.

5. Tax Breaks

The Income Tax Act Section 80D offers tax deductible to active health insurance policyholders. Individuals under the age of 60 years receive a tax break of up to INR 25,000 while individuals over the age limit of 60 receive tax benefits up to INR 50,000.

Claim Settlement Ratio of Star Health Insurance

It's no secret that consumers of medical insurance are asking for more clarity on the CSR or Claim Settlement Ratio of their preferred insurance company. Among the most examined elements of a health insurance business in India is their claim settlement ratio, or the proportion of claims paid by an insurance company. Indeed, there is a growing demand for greater transparency in assessing the 'risk' associated with these companies.

This number offers an estimated picture of how the company handles the claims filed. Star health insurance has a 99.9% claim settlement ratio in a period of less than 3 months and a 0.54% in a period of 3 months to 6 months.

It's no wonder that the company is regarded as one of the best in terms of claim settlement and customer service.

How to Buy Star Health Insurance Online at Paytm Insurance?

You can buy any Star health insurance plan online through Paytm Insurance. It is absolutely easy and quick to purchase any plan of Star in a simple steps mentioned below:

1. Go to https://paytminsurance.co.in/
2. Now, you need to select ‘health insurance’ from the page-top menu.
3. Next, you have to choose your insurance provider from the list of available companies in the dropdown menu.
4. Following that, you have to fill in a short questionnaire and click on ‘proceed’.
5. Input your age and current pin code on the next page.
6. Now, if you select ‘get quotes’, you will be presented with a list of health insurance policies offered by your insurance company.
7. Select the plan of your choice and purchase Edelweiss health insurance online with Paytm Insurance.

List of Documents Required to Buy Star Health Insurance Online?

Many people who are not aware of the process involved, find it difficult to understand what they should do when looking to buy a Star health insurance plan. While many companies also offer direct access to the latest products and you can complete your purchase on the same day, it is important that you follow certain steps before signing up with any provider.

Here is a checklist of documents required when applying for a health insurance plan.

1. Duly filled application document
2. Recent medical reports
3. Recent photographs
4. Identity Proof
5. Age Proof
6. Address Proof
7. Income Proof (if required)

Note: This list includes a general list of documentation needs; please contact your insurance for further information.

How to Renew Star Health Insurance Online?

It is very easy to renew a Star health insurance plan. You can make the payment online and renew your medical insurance coverage. You must renew your plan on time, or else it will expire, and you may end up losing your coverage. You may also lose other benefits such as the no-claim bonus or the sum insured restoration benefit. Keep an eye on the expiration date and renew the plan on time.

Here is a step-by-step breakdown of the Star Health Insurance renewal process:

1. Go to the Star health insurance website.
2. Register yourself using the star health insurance login.
3. Once you land on the home page, you have to click on the ‘I want to renew’ button.
4. Next, you have to input your name and your policy number. Click on ‘Renew Now’.
5. You will be provided with your policy renewal quotation.
6. Pay the renewal fees online and continue your health insurance coverage.

How to File a Claim with Star Health Insurance Online?

It is very easy to make a claim for Star health insurance plans. The company does not use a TPA, so the claims are settled directly and very quickly within 2 hours. The claim settlement process is so efficient that it has been lauded by the Hindustan MaRs Survey and Star health has been called the best claim settlement company.

There are two types of claim settlements available with Star health insurance. The first one is a cashless medical insurance claim settlement. With this type of claim settlement, the policyholder does not need to pay anything out of his pocket (except for some non-insured expenses and voluntary co-pay amounts). The hospital bill is directly settled by your insurance provider.

The second one is a reimbursement claim. This one needs the policyholder to settle the total hospital bills up front and then file for a refund. The total amount paid (except for some non-insured expenses and voluntary co-pay amounts) by the policyholder is returned to the policyholder’s provided bank account once the company validates the authenticity of the claim.

Here is how you can file an claim online:

1. Go to the Star Health Insurance website.
2. Select ‘Claims’ on the page top menu.
3. Click on ‘File a Claim’ under ‘Claims’.
4. Select the type of claim you want to submit.
5. Fill out the necessary details.
6. Once submitted, a representative from Star health will get in touch with you to provide further assistance.

Star Cashless Health Insurance Claim Process

Star Health has a tie-up with close to 12,000 network hospitals. You can get admitted to any network hospital and avail of the cashless facility. The best thing with cashless claims is that you do not have to worry about any financial stuff if you are hospitalised and need urgent care. You will receive the best available treatment in a network hospital while the insurance company covers your bill amount. Here is the process breakdown:

1. In a network hospital, go to the insurance counter. Intimation can be provided by calling Star health insurance at 1800 425 2255 or 1800 102 4477. You can also email them at support@starhealth.in.
2. Present your Star health identity card to the hospital receptionist for verification.
3. Provide paperwork from doctor consultations and pre-admission investigations to the hospital.
4. Network hospitals will confirm your identity and send a properly completed pre-authorization form to Star health company.
5. Before the claim is processed in accordance with the terms and conditions, the company physicians verify all provided papers.
6. If necessary, a field physician may attend to the patient in the hospital.
7. The hospital will transmit the claim documentation to the firm after release, and the permitted amount will be paid straight to the hospital.

List of Documents Required for Star Health Insurance Cashless Claim

The following is a list of the required paperwork for cashless health insurance claims:

1. Hospital-issued discharge summary
2. Hospital-issued doctor’s consultation papers
3. Insurer-issued health card
4. Hospital-issued investigation reports
5. Policyholder and insurer’s KYC details
6. Pharmacy bills and respective prescriptions
7. FIR and/or MLC (in case of accidental hospitalisation)
8. Any other relevant medical documents

What is the Reimbursement Claim of Star Health Insurance?

When you get admitted and treated in a non-network hospital, you need to pay the bill out of your own pocket and then get reimbursed from Star health insurance. The best thing about reimbursement health insurance claims is that the policyholder gets his money back without needing to look and get admitted to a network hospital. So, in case you do not have any close network hospital, filing a reimbursement claim might be the best way to go. Here is the process breakdown:

1. Settle all the hospital invoices and gather all original documentation of treatment received and expenditures incurred upon release.
2. The claim form must be completed, and all required original papers must be presented to the local Star office.
3. The company settles the refund claim in accordance with the insurance terms and conditions.

List of Documents Required for Star Health Insurance Reimbursement Claim

The following is a list of the required paperwork for reimbursement health insurance claims:

1. Insurer-issued health card copy
2. Completed claim form
3. Pre-admission investigation reports and doctor’s consultation paperwork
4. Hospital-issued discharge summary
5. Hospital-issued investigation reports
6. Policyholder and insurer’s KYC details copy
7. Pharmacy bills and respective prescriptions
8. Hospital-issued cash receipts
9. FIR and/or MLC (in case of accidental hospitalisation)
10. Policyholder’s bank details
11. Any other relevant medical documents

How to Calculate Star Health Insurance Premium?

When it comes to choosing the best health insurance plan for you and your family, the premium will be the biggest factor. Premium is the price that you have to pay for the coverage you get. This can be expressed in monthly installments or one-time money outlay, depending on the plan you choose.

Star health insurance provides a flexible set of medical insurance policies and each of the product pages has a built-in quote generator. This helps you understand the estimated amount which you will be paying to get that particular health insurance coverage. 

Star Health Insurance Tax Benefits

If you're an existing policyholder, you may be eligible for tax advantages under Section 80D of the Income Tax Act. In other terms, paying your health insurance premiums will allow you to claim some exemptions on your total income tax return, helping you in lowering your taxes.

Policyholders under the age of 60 years are entitled to a reduction in taxes of INR 25,000, including a preventive care tax exemption of INR 5000. Active policyholders above the age of 60 years (senior citizens) qualify for a tax credit of INR 50,000, including INR 5000 preventative healthcare tax credit.

What is Covered Under Star Health Insurance Plans?

The health insurance plans from Star health usually have the following covers:

Inpatient Care: Hospitalisation expenses, including room rent, physicians’ fees, surgery expenses, diagnostic tests, etc

Ambulance Charges: The plans pay for emergency ambulance charges.

Daycare Charges: Many a time, you do not need to get admitted for 24 hours in the hospital for procedures known as daycare procedures. These procedures are covered under the daycare expenses in the Star health plans.

Domiciliary Expenses: When treatment is sought at home, it is known as domiciliary healthcare. Star health covers domiciliary treatment.

Alternative Health Care: Apart from allopathic treatments, the plans also cover alternative forms of treatment such as Homoeopathic and Ayush treatments.

Cover for Organ Donation: When a policyholder needs to undergo an organ restoration surgery or procedure, he or she can get coverage from the Star health insurance plans.

Restoration of the Sum Insured: Most of the mediclaim plans from Star health give the option of 100% sum insured restoration after a health insurance claim has been made on the policy.

What is not Covered Under Star Health Insurance Plans?

Like all health plans, the medical insurance policies from Star health also have a few exclusions. You should be aware of those before you get the plan. They are:

• Any ailment contracted within the first month of buying the health insurance policy will not be covered unless the policyholder has ported from another company having completed the waiting period previously.
• Dental treatments are usually not covered unless an extra coverage has opted for.
• Convalescence expenses, including ailments related to nutritional deficiency.
• Any injury arising from attempted suicide or any other form of self-harm.
• Any ailments related to mental health problems or behavioural problems.
• Any injury or ailment resulting from substance abuse such as alcohol, drugs, tobacco, etc.
• Any sexually transmitted disease, including HIV/AIDS.
• Any injury resulting from warlike situations or any man-made calamity.
• Any injury caused by a nuclear weapon.

Star Health Network Hospital

Network hospitals are nothing but hospitals which are currently partnered with a particular health insurance provider. These hospitals and medical facilities offer high-quality healthcare treatments under cashless insurance claims. So, you do not have to pay anything out of your pocket to receive the necessary treatment.

You can check the list of Star health network hospitals online.

Star Health Insurance Reviews

Star health insurance is a premium health insurance provider in India. The company is one of the oldest and most trusted health insurance companies in the country. It offers pocket-friendly health plans that offer a wide range of wholesome covers. The company also has a very good claim process, along with an efficient customer support team. This makes it easy for the policyholders to buy and service their plans as and when needed.

How to Contact Star Health Insurance Company?