Star Health Insurance

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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. The company has a very good online presence and so buying health plans online is an easy thing to do.

The Best-selling Star Health Plans

Name of planBrief discussion 
Star Family Health Optima Insurance Plan
  • One of the best selling health plans from this insurer, the Family Health Optima Insurance Plan is a comprehensive family floater health insurance plan.
  • Anyone between the age of 18 and 65 years can get enrolled in this plan. It offers lifelong renewability.
  • A newborn baby, who is 16 days of age or older, can also be enrolled in the plan.
  • There are many interest benefits such as auto-restoration of the sum insured and no-claim bonus, among others.
Star Senior Citizens Red Carpet Health Insurance Policy
  • This is a health plan especially designed for senior citizens.
  • Seniors enrolling in this plan do not require a pre-policy health screening.
  • The plan covers pre-existing illnesses after a short waiting period of 1 year.
  • You can opt for the lifelong renewability option under this plan. It offers a high sum insured of up to INR 10 lacs.
Star Health Super Surplus Insurance Policy
  • This is a very popular top-up health insurance plan from Star Health.
  • It is available for individuals, as well as families.
  • The top-up plan allows you to get a higher sum insured at a very low cost. It also offers coverage against pre-existing ailments after a short waiting period of 36 months.
  • It offers a wide range of covers including in-patient care, daycare expenses, etc.
  • Anyone between the age of 18 and 65 years can buy this health insurance policy.
Star Comprehensive Insurance Policy
  • Often considered to be one of the best health insurance plans in India, the Star Comprehensive Insurance Policy is a family floater plan that offers benefits such as 100% increase of the sum insured upon renewal after every claim-free year.
  • It comes with in-built add-on covers such as the personal accident and disability riders, no room rent capping and co on.
  • This plan is available in the individual as well as the family floater option.
Star Gain Health Insurance Policy
  • The Star Gain Health Insurance Policy is another very well-designed medical insurance plan from Star Health.
  • It can be taken on an individual as well as on a family floater basis.
  • It offers a wide range of benefits such as pre and post-hospital care, in-patient care, etc.
  • Anyone between the age of 3 months and 65 years can get this plan.
Star Diabetes Safe Insurance Policy
  • This is a very helpful plan for diabetic patients in India.
  • The plan covers all ailments related to diabetes from day one (Under ‘A’ category, and after 12 months in the ‘B' category).
  • It offers benefits such as dialysis cover, cost of artificial limbs and also has the in-built rider of the accidental death benefit.
  • This is one of the very few diabetes care health plans available in India presently.
Star Wedding Gift
  • This is a pure maternity health insurance cover. It is one of the earliest maternity insurance plans in India and is very popular even today.
  • The plan is valid for a period of 1 or 2 years, depending on what you choose.
  • It covers all expenses related to the delivery as well as newborn care for a fixed tenure.
Star Health Corona Rakshak Policy
  • This is a very beneficial policy to have in the current COVID 19 scenario.
  • It offers sum insured options of INR 50,000, INR 1 lac, INR 1.5 lacs, INR 2 lacs and INR 2.5 lacs.
  • Upon detection of COVID 19, 100% of the sum insured is paid to the policyholder.
  • To get the sum insured, the policyholder needs to stay hospitalised for a minimum period of 72 hours.

Benefits of Star Health Insurance Plans

  • The Star Health plans bring economic medical insurance within the 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, daycare procedures, OPD covers and so on
  • The company has close to 10,000 hospitals across the country on its list of network hospitals, making it easy for you to find a medical centre of your choice
  • Most of the Star Health insurance plans have the lifelong renewability option
  • 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

What is covered? 

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 are the Common Exclusions? 

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 been 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

The Process to Buy a Star Health plan

You can buy any Star Health insurance plan online or through an insurance agent. Star Health has over 2.5 lac agents working across India.

  • Buying via an Insurance Agent - Your first option is to buy the health plan via an insurance agent. You can contact a Star Health agent and buy a suitable health plan with the help of him or her. Make sure you go over the policy wordings and understand the benefits before you buy it. Do not get influenced by the agent’s words alone, as you need to get the best plan in an unbiased manner.
  • Buying at the Insurer’s Office - You can also visit any branch or office of Star Health Insurance and get the plan of your choice. Physically submit the documents and pay the health insurance premium and the plan will be issued to you without any problems.
  • Buying on the Official Website - You can go to Star Health Insurance Company’s official website and buy the plan of your choice. Buying online helps to make a completely unbiased choice. You also save money as you do not have to pay any brokerage. The administrative fees and processing fees are also lower when you buy online and so you end up paying less for an online health plan.
  • Buying via an Insurance Aggregator’s Website - You can also visit a trusted insurance aggregator’s portal and get the plan from there. This is generally a safe practice, but sadly there are some online frauds and you should be careful when buying a Star Health Plan from an insurance aggregator’s portal.

You can choose any of these options and get a good Star Health plan that matches all the health requirements of you as well as your family members.

Star Health Insurance Renewal

It is very easy to renew a Star Health Insurance plan. All you have to do is visit and follow the steps there. You can make the payment online and renew your medical insurance coverage. You must renew your plan on time, else it will lapse 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.

Other Popular Star Health Insurance Plans

Apart from the plans listed above, Star Health also has a handful of other useful plans that can be of great use to you. Here are a few of those:

Name of the PlanBrief Discussion
Star Unique Health Insurance Policy
  • This is a very good plan for those looking to buy an individual health insurance plan.
  • This plan has a very low waiting period of just 11 months.
  • The premium is low and the coverage is extensive.
  • It offers all the regular mediclaim benefits such as hospitalisation, pre and post-hospital care, daycare expenses and so on.
Star Criticare Plus
  • The Star Criticare Plus is a very handy critical illness health insurance policy.
  • It covers 9 critical illnesses including stroke and cancer.
  • A fixed sum of money is paid when the policyholder is diagnosed with any one of the listed critical illnesses.
  • You can buy the plan if you are aged between 18 and 65 years.
Star Cardiac Care Policy
  • If you have cardiac issues or there is a hereditary problem of the same, you can opt for the Star Cardiac Care Policy.
  • It offers protection for people aged between 10 and 65 years.
  • You need not undergo a pre-policy screening when buying this plan.
  • A maximum amount of INR 4 lacs is available as the sum insured under this mediclaim policy.
Star Cancer Care Gold
  • This is a pure cancer protection plan that can be taken for the whole family at a single go.
  • The plan covers all expenses related to new cancer, the reappearance of an old tumour and metastasis.
  • The policy is available for periods of 1 year and can be renewed.
  • People between the age of 5 months and 65 years can get enrolled in this plan.
Star Micro Health Insurance
  • This is a very good and affordable medical insurance plan from Star Health.
  • It offers comprehensive health coverage including ambulance charges, in-patient care, pre and post-hospitalisation expenses, etc.
  • The plan has been specially designed for people residing in tier I and tier II cities of India.
Star Special Care Policy
  • This is a very special and appreciable plan launched by Star Health. It is for the treatment of children diagnosed with Autism.
  • Autistic children aged between 3 and 25 years can be covered under this policy.
  • The plan is available for a period of 1 year after which it needs to be renewed.
  • The sum insured available is INR 3 lacs.
Star Health Gain
  • The Star Health Gain plan is a very useful family floater health insurance policy.
  • It covers in-patient care, pre and post-hospital care, etc.
  • It offers coverage for pre-existing disorders after a waiting period of 48 months.
Star Family DeliteThis is a very useful family floater health plan that covers all members of the family between the age of five months and 65 years.
Star Medi-Classic
  • The Medi-Classic plan offers extended health insurance coverage until the insured reaches the age of 80.
  • It offers all the benefits of health insurance and can be bought on a floater or an individual basis.
Star Micro-Rural and Farmers Care
  • A very unique plan, the Micro-Rural and Farmers Care cover people living under poor financial conditions in rural areas.
  • It is a family health plan that offers extensive medical insurance coverage.
Star Hospital CashThis policy offers a lump sum amount of money for each day you remain hospitalised.
Star Outpatient CareThe Star Outpatient Care plan offers coverage for all expenses incurred during OPD consultations.
Star Young StarA health plan available to people aged between 18 years and 40 years, it offers many benefits including mental health coverage and maternity coverage.
Star Corona KavachThis is a health insurance plan dedicated to the expenses incurred in the treatment of COVID 19.
Star Novel CoronavirusStar Novel Coronavirus policy is an affordable family floater health plan that offers protection for the whole family against COVID 19.
Star Arogya SanjeevaniThis is a basic mediclaim policy that offers a sum insured of up to INR 5 lacs.
Star Family Accident Care
  • As the name suggests, this is a family accident protection plan.
  • It offers coverage for death or disability resulting from an accident.
Star Accident Care Individual
  • This is a personal accident health insurance policy that is available from Star Health Insurance.
  • All individuals in the age group of 18 and 70 years can buy this plan.
Star Student CareThe Star Student Care plan is exclusively designed to offer medical insurance coverage to students across the country.

Star Health Insurance Claim Process

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. 

The first thing that you need to do when making a claim is informing the company. You need to inform the insurance provider at the earliest about your hospitalisation. If it is a planned hospital stay, then you need to inform them at least 48 hours before you get admitted. In the case of an emergency, you should inform Star Health within 24 hours of getting admitted. Just call on 1800 425 2255 (toll-free) and inform the insurer about it.
Depending on the hospital that you seek admission in, you can make a claim. Let us take a look:

  • Cashless Claim
    As mentioned above, Star Health has a tie-up with close to 10,000 network hospitals. You can get admitted in any network hospital and avail the cashless facility. Produce your Health Card/ Policy Card at the TPA Desk of the network hospital. You need to fill the cashless claim form and submit it to the hospital at the time of getting admitted. The hospital/ the TPA agents will contact the company and the company will settle your bills directly.
  • Reimbursement Claim
    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 it reimbursed from Star Health Insurance.

For a reimbursement claim, you need to download the claim form from the insurer’s website, fill it out and submit it along with the required documents. Star Health will go over the documents and if satisfied, reimburse you for the expenses incurred. The documents needed for this include:

  • The claim form, duly filled and signed
  • Policy document
  • Photo ID of the policyholder
  • Physician’s advice calling for hospitalisation
  • Original prescriptions of doctors prescribing drugs or diagnostic exams
  • Discharge summary
  • The original FIR copy, in case the hospitalisation resulted out of an accident
  • All the bills and memos in original

You can visit the Star Health’s official website and get more information on the claim process and also get the list of all the documents needed.

Star Health Insurance Contact Information

Via telephoneYou can call on the toll-free number 1800 425 2255 and speak directly with a customer care executive.
Email You can drop an email to

If you want to post a grievance, you can mail to:

The Manager - Customer Care,

Star Health & Allied Insurance Co. Ltd,

No.1, New Tank Street, Valluvarkottam High Road,


Chennai - 600 034.

Branch locatorYou can visit and find the nearest branch. 

Star Health Insurance Review

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.

Star Health Insurance FAQs

  • 1. Are the Star Health Plans available online?

    Yes, a large majority of the star health insurance plans are available online. You can visit the company’s website, browse through the plans, read the policy wordings and then choose the plan that is best suited for your requirements.

  • 2. Is there an option to cover the entire family under one plan?

    Many Star Health insurance plans offer family floater options. You can cover newborn children as well as senior citizens under the Star Health Insurance Family Floater plans.

  • 3. Can I get a maternity health cover?

    Star Wedding Gift is a pure maternity benefit health policy that covers all maternity and newborn related expenses. There are other family floater plans that cover maternity expenses, but they come with a longer waiting period.

  • 4. Does Star Health pay claims easily?

    Star Health is one of the best settlers of claim in the health insurance industry in India, They offer hassle-free claim settlement insurance short span of time, which is often less than two hours.

  • 5. Is there a plan available for COVID protection?

    Yes, Star Health has launched the Corona Rakshak Policy which has a sum insured as high as INR 2.5 lacs. The policyholder can get 100% of the sum insured, provided he gets diagnosed with COVID 19 and spends 72 hours in a hospital.

  • 6. How to check the status of a Star Health Insurance Policy?

    When you buy a health insurance plan, you are issued an ID and password. You can log into the website or mobile app using that information and check the status of any health insurance plan that you have bought from Star Health Insurance.

  • 7. How to file a Star Health insurance claim?

    It is very easy to file a health insurance claim. If it is a cashless claim, you simply need to inform the insurer and fill the claim form. If it is a reimbursement claim, you need to fill the claim form and submit all the documents needed. Once the documents are checked, the insurer will reimburse you for the amount you paid to the hospital.

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