Star Health Insurance policy is a brand name known to provide quality healthcare facilities. The company started its operations in 2006 as India’s first Standalone Health Insurance provider and insures 1 in 5 Indians looking for health insurance.

Star Health takes pride in providing affordable health care solutions that cater to the diverse needs of Indian consumers especially those living in small towns and villages across India. Star promises to offer hassle-free services at comparably low prices, bringing you closer to the insurance cover you deserve.

Star Health Insurance Policy also offers special benefits like Disability insurance which enables people who have suffered disabilities due to critical illnesses or accidents, to receive a lump sum payment on diagnosis of Total & Permanent Disability (which will enable them to uplift their standard of living).

The company has majorly focused on:

1) Affordable prices: Despite offering both individual and group plans and quick and easy online purchase, the rates offered by Star Health are significantly affordable.

2) Simplicity: The plans offered by the company are easy to follow and do not have any complications or hidden costs.

3) Time to sign-up: All you need is a few minutes and an internet connection to buy health insurance online and Star Health makes it remarkably fast and convenient for everyone to sign up.

4) Cashless settlement of hospital bills: You can choose from a range of preferred hospitals across India and also pay cashless at reputed international chains, NEHRUs, specialty hospitals as well as rural hospitals, which will make it easier for customers to access care even in emergency situations.

5) Preferred Hospital Network: Star Health has put together a list of preferred network hospitals across the country where customers can go for treatment. They are network hospitals that offer quality care with transparent billing practices. To make it easier for you to choose the right place of care, Star Health offers a facility called “Find Nearest Hospital” where one can search based on location and other factors like specialization and whether the hospital is cashless or not.

6) Cashless Diagnostic Facilities: Apart from preferred hospitals, Star Health will also provide cashless diagnostic facilities at over 1 lakh X-Ray & Ultra Sound centers across India which include both standalone and impaneled labs and diagnostic chains. These facilities will help simplify the claims settlement process for our customers since there is no need to pay in advance to get tests done and file a claim later.

7) Disability Insurance: Star Health has partnered with Bajaj Allianz General Insurance to offer an additional feature of disability insurance. This provides a lump sum payment on diagnosis for Total and Permanent Disability (TPD) that will enable people suffering from disabilities due to critical illnesses or accidents, uplift their standard of living and be financially independent and self-reliant.

8) Benefit Enhancements: Star Health plans have been designed keeping in mind the requirements of our customers, considering affordability as well as benefits. We have made regular enhancements across plans which include adding new benefits like maternity cover, Daily Hospital Cash Benefits, etc. Star Health is committed to enhancing coverage under its families plan by Rs 1Lakhs over a period of three years.

9) Easy to understand policy documents: Star Health has made it easier for customers by simplifying the policy document. All that needs to be done is go online and read through the simplified policy document which outlines all aspects of coverage, exclusions etc.

10) Great customer service: Apart from having an efficient claims process, Star Health also provides quick medical advice via calls or e-mails to facilitate faster settlement of claims. The company has well-trained call center executives who are available 24×7 to answer any queries related to health insurance policies.

11) Convenience of paperless purchase: Though you can buy a health insurance plan even offline, it is advisable that one opts for buying plans online as it’s not only more convenient but also offers a paperless way of purchasing health insurance.

12) Star Health app: If you are a busy person and cannot spare time to go out then our mobile application can be downloaded on your phone, which makes it easier for customers to reach us. You can even take the printout of the policy document from the app and keep it safe as back up. The application offers features like claims status, Hospital search facility,, Know Your Body (GYN) series etc., making life easy for customers who wish to buy or renew health insurance plans purely at their fingertips!

13) Online Renewal Facility: Every year we receive many customers who choose to purchase health insurance online just before renewal and this shows how much people trust and appreciate using our website for making such transactions.

14) Warm and Active Forums: Star Health has always been about having a relationship with its customers and through social media we strive to maintain this bond. We have active, warm communities on all networks like Facebook and Twitter where you can interact directly with our executives and post your queries/ suggestions to make the overall experience more satisfying for everyone!

There are many other benefits to buying health insurance from Star Health including discounts available via Preferred Employer, Student discount of 5% on age group above 18 years and up to 25 years, New lives entering family at no extra premium on select plans. Star Health offers 24 hours access to doctors via call centers or on the internet via e-mail which is not offered by most companies in India. Star Health also provides medical facilities at your doorstep via our tie-up with mobile hospitals, which makes it convenient for customers to avail treatment without having to go to the hospital.

List of Star health insurance plans:

1. Star family health optima insurance plan

This plan has been specially created for the family to cover the financial risk associated with any unforeseen incidence. This Star Health Insurance policy provides comprehensive coverage for the entire family through a family floater plan. Tax incentives are available under section 80 (D) of the Income Tax Act. The following are the main details of the Star Health insurance policy:

  • Free Auto Recharge
  • Health Check-up for every claim-free year –

The company gives an additional sum insured at no extra cost –

Complete coverage for Assisted Reproductive Treatment

  • A newborn baby is covered under this plan starting on the 16th day.
  • Room charges, boarding and nursing fees, Day Care treatments, ambulance charges, Pre-Hospitalization costs up to 60 days prior to admission in the hospital, and Post-Hospitalization expenditures up to 90 days following discharge from the hospital are all covered under standard coverage.
  • Medical care coverage for a period of more than three days

2. Star Senior citizens red carpet health insurance plan

Star Health Insurance offers a suitable plan for senior citizens that gives total security.

The following are the advantages:

  • There is no requirement for a medical exam prior to applying for the coverage.
  • Individual as well as Floater protection up to INR 25 lakhs
  • Beginning in the second year, pre-existing ailments are fully covered.
  • Advantages of outpatient consultations in-network hospitals
  • Room charges, boarding and nursing fees, Day Care treatments, ambulance charges, Pre-Hospitalization costs up to 60 days prior to admission in the hospital, and Post-Hospitalization expenditures up to 90 days following release from the hospital are all covered under regular coverage.

3. Star Comprehensive Health insurance plan

The most popular Star health Insurance plan, with all-inclusive coverage and several advantages. The following are some of the specifics of the Star Health insurance policy:

  • No room rent cap
  • Additional coverage for an ambulance, second medical opinion, organ donor expenses, Ayush treatment, domiciliary hospitalization, OPD coverage, and expensive medical activities
  • Health check coverage
  • each claim’s start-up expense
  • maternity leave and a year off
  • Automatic restoration to a 100 percent level
  • Personal Accident Protection Against Death and Permanent Total Disablement
  • For each claim, the sum insured increases by 100%.
  • A year without pre-existing conditions -a reduction in the time spent waiting for treatment for pre-existing conditions
  • Comprehensive covering of wellness activities

4. Star Medi-classic health insurance plan

Medi Classic Insurance from Star Health Insurance Policy is a personal and family health plan that covers hospitalization costs incurred as a result of disease, illness, sickness, or accidental injuries, allowing you to keep your dreams alive and live a stress-free life.

The following are the main advantages of this Star Health policy: –

  • Auto restoration up to 200 percent
  • For claim-free years, the benefit is raised by 5% of the basic total insured, up to a maximum of 25%.
  • Room charges, boarding and nursing expenses, Day Care procedures, ambulance charges, Pre-Hospitalization costs incurred up to 60 days prior to admission in the hospital, Post-Hospitalization costs incurred up to 90 days after discharge from the hospital, and Non-allopathic treatments are among the regular coverage benefits.

5. Star Health gain insurance plan

A one-of-a-kind individual and family health plan from Star Health Insurance that gives the insured entire choice in selecting a sum insured and premium based on his or her convenience and family size.

Let’s have a look at the advantages:

  • Outpatient and inpatient charges are covered
  • An extremely flexible plan that allows you to pick between an individual and a family floater
  • A choice of four flexible premiums with five Sum Insured options
  • Room rates, boarding and nursing expenditures, Day Care treatments, ambulance charges, and other regular coverage benefits are included. Pre-hospitalization charges incurred up to 60 days before to hospital admission, and post-hospitalization costs incurred up to 90 days following hospital discharge

6. Star super surplus health insurance plan

Traditional health insurance programs cover the insured person’s fundamental medical needs. However, health is always unpredictably unpredictable, necessitating greater care and, as a result, more financial coverage to treat the ailments. Star Health Insurance offers a Super Surplus Insurance plan that provides far more coverage, ensuring that one is prepared to confront any health risks that may arise.

The following are the primary advantages of this Star Health policy: –

  • No medical examination is required
  • More coverage for standard benefits like as room and board, boarding and nursing expenditures, Day Care operations, ambulance charges, and so on. Pre-hospitalization charges incurred up to 60 days before to hospital admission, and post-hospitalization costs incurred up to 90 days following hospital discharge
  • There are two plans available: Silver Plan and Gold Plan.

7. Star Diabetes Safe Health Insurance Plan

Individual and family health plans such as Star Health Diabetes Safe from Star Health Insurance play a vital role in a family’s health insurance plan. People with diabetes require immediate medical attention. Due to the rising cost of medical bills, it is critical to have a plan in place that will cover all of your demands in relation to this ailment’s health.

The key advantages of this Star insurance  are:

  • hospitalization costs are covered for both Type 1 and Type 2 diabetes
  • individual and floater policy selections are flexible, with two pans available, Plan A and Plan B.
  • Automatic Restoration of the Full Sum Insured Benefit
  • Out-of-pocket expenses such as diagnostic testing, medical consultations, medicine, and pharmaceuticals are covered.
  • Reimbursement for the accidental death of the selected insured individual No waiting period for diabetes and its complications under Plan A and 12 months for diabetes and its complications under Plan B Plan B’s waiting period

8. Star Cardiac care health insurance plan

Star Health Insurance has created a plan specifically for customers who have a pre-existing heart or cardiac ailment. Star Cardiac Care recognizes the anxiety and disruption caused by this health problem and hence offers a comprehensive solution.

The following are the plan’s primary advantages:

  • Hospitalization charges for both accident and non-cardiac therapies are covered.
  • Individuals can choose from two different plans: Silver Plan and Gold Plan, which -cover out-of-pocket expenses such as diagnostic testing, medical consultations, -medicine, and pharmaceuticals.
  • Personal Accidental Death Reimbursement is provided at no additional cost.

9. Star net plus health insurance plan

For the first time in India, Star Health Insurance has introduced a unique individual health plan that caters to HIV-positive persons. Only if it is proposed by Non-Governmental Organizations (NGOs), government agencies, or registered societies involved in the treatment and care of HIV-infected people will the sum be paid to the insured person. Covered patients, on the other hand, should be members of the proposer’s family.

The following are the primary advantages of this Star Health policy:

  • There is no need to provide bills or receipts; however, the plan’s requirements must be satisfied.
  • The plan provides considerable financial support for better care of HIV-positive patients.

10. Star Care Micro health insurance plan

Star Care by Star Health Insurance is a personal and family health insurance plan that offers protection to individuals and their families for a single premium and a single sum insured. If the floater option is selected, the Single Annual Sum Insured will cover the entire family.

The following are the plan’s primary advantages:

  • Policies for individuals and floaters in India’s Tier I and Tier II cities
  • Room charges, boarding and nursing fees, Day Care treatments, ambulance charges, Pre-Hospitalization costs up to 60 days prior to admission in the hospital, and Post-Hospitalization expenditures up to 90 days following release from the hospital are all covered under regular coverage.

11. Star Criticare Plus Health insurance plan

Star Criticare Plus Insurance from Star Health Insurance is an individual policy that covers hospitalization costs incurred due to disease, illness, sickness, or accidental injuries, as well as a lump sum payment if the insured person is diagnosed with a major illness or disease on the policy’s list.

Let’s have a look at the major advantages of this Star Health policy:

  • The advantage of comprehensive coverage for nine specified severe illnesses
  • The advantage of lump-sum compensation in the event of a catastrophic illness diagnosis
  • Room rates, boarding and nursing expenditures, Day Care treatments, ambulance charges, and other standard benefits coverages Pre-hospitalization expenditures can be incurred up to 60 days before a hospital admission. Non-allopathic therapies and post-hospitalization charges incurred up to 90 days following discharge from the hospital.

12. Star family Delite Health insurance plan

Star Family Delite is a family health plan from Star Health Insurance that covers hospitalization costs incurred due to disease, illness, sickness, or accidental injuries, as well as a lump sum payment if the covered individual is diagnosed with a significant illness or disease on the policy’s list.

Let’s have a look at the major advantages of this Star Health policy:

  • The advantage of comprehensive coverage for nine specified severe illnesses
  • The advantage of lump-sum compensation in the event of a catastrophic illness diagnosis
  • Room rates, boarding and nursing expenditures, Day Care treatments, ambulance charges, and other standard benefits coverages Pre-hospitalization expenditures can be incurred up to 60 days before a hospital admission. Non-allopathic therapies and post-hospitalization charges incurred up to 90 days following discharge from the hospital.

13. Star cancer care gold health insurance plan

Star Cancer Care Gold Insurance from Star Health Insurance is a one-of-a-kind coverage created specifically for cancer patients and the high expenditures associated with this deadly condition. This is India’s first cancer-specific insurance plan, which is being tested on a small scale.

Let’s have a look at the major advantages of this Star Health Insurance policy:

  • Coverage of the danger of cancer spreading
  • Cancer metastasis and relapse, or second cancer
  • The advantage of comprehensive coverage for nine specified severe illnesses
  • The advantage of lump-sum compensation in the event of a catastrophic illness diagnosis
  • Room rates, boarding and nursing expenditures, Day Care treatments, ambulance charges, and other standard benefits coverages Pre-hospitalization expenditures can be incurred up to 60 days before a hospital admission. Non-allopathic therapies and post-hospitalization charges incurred up to 90 days following discharge from the hospital

14. Star Special care health insurance plan

Star Special Care Insurance is a type of individual health insurance designed specifically for children who have been diagnosed with Autism Spectrum Disorder.

Let’s have a look at the details of this Star Health insurance policy:

  • The advantages of standard indemnity health insurance
  • There will be no pre-policy medical examination.
  • Regular advantages such as lodging and board, boarding and nursing expenditures, Day Care operations, ambulance charges, and so on. Pre-hospitalization charges incurred up to 60 days before to hospital admission, and post-hospitalization costs incurred up to 90 days following hospital discharge
  • Specialized treatments such as behavioral physiotherapy, therapy, speech therapy, and occupational therapy are included under the OPD.

15. Star Hospital cash health insurance policy

Star Hospital Cash Insurance is a personal and family coverage from Star Health Insurance that covers additional expenses incurred while in the hospital.

Let’s look at the details of the Star Health insurance policy:

  • Benefit in the form of a one-time payment for the hospitalization period
  • There are two plans available: Basic Plan and Enhanced Plan.
  • Daycare treatments are covered.
  • Based on the number of hospital cash days, a predetermined hospital cash amount/day reimbursement is provided.

16. Star Health Corona Kavach Policy

Coronavirus is no longer merely an illness; it has wreaked havoc on many people’s lives and ruined many homes. Its effects last for days, even after the person has recovered because it can impair not only your mind and body but also your family’s finances.

The Star Health Corona Kavach Policy was created to assist people and their families in overcoming financial losses and regaining excellent health as quickly as possible. This insurance policy will act as a safety net for you, ensuring that the health of your loved ones is never jeopardized due to financial constraints.

The following are the highlights of the Star Health Corona Kavach Policy:

1. The insurance has two types of plans: an individual plan and a family floater plan.

2. If the covered person tests positive for COVID, the firm will cover the costs of room, board, and nursing as determined by the hospital.

  • Expenses for intensive care units (ICU) and intensive cardiac care units (ICCU) will be covered.
  • Fees for specialists/medical practitioners/anesthetists/surgeons must be paid.
  • Road ambulance costs up to INR 2000 will be paid.

3. If the insured person is diagnosed with COVID and is prescribed home treatment, the company will cover the medical costs.

Benefits include: –

  • The costs of medicines prescribed in writing
  • The costs of diagnostic tests performed, whether at home or at a diagnostic centre
  • The costs of nursing or medical staff

4. Expenses incurred as a result of comorbid disorders are covered by the Star Health Corona Kavach insurance.

5. When an insured person is diagnosed with COVID or other co-morbid diseases, the policy covers AYUSH therapies.

6. Pre- and post-hospitalization expenses are covered for a period of 15 to 30 days.

7. The company will pay a cash reward of 0.5 percent of the sum covered after each day for up to 15 days.

8. As instructed by the IRDAI, Star Health Insurance will grant a 5% premium discount to health personnel (doctors, nurses, and others).

9. No pre-acceptance medical screening or testing is required under the Star health corona Kavach policy.

10. The coverage from 10. Star Health Insurances has a short waiting period of 15 days.

17. Star micro rural and farmers care insurance policy

The STAR Micro Rural and Farmers Care Insurance Coverage, which was launched under the IRDA standards, is a standard policy for those living in rural areas. STAR Health has established a customized and economical policy to meet the healthcare needs of people and their families living in rural areas, based on their demands. Micro Rural and Farmers Care Insurance Policies were created specifically for the convenience of rural families, ensuring that they do not have to sacrifice their health at any time due to illness or accidents. This policy is accessible to you and your family (which includes yourself, your spouse, and any dependent children under the age of 25 years

The following are the main characteristics of the Micro Rural and Farmers Care Insurance Policy:

1. Individual and Family Floater Plans are available under the Micro Rural and Farmers Care Policy.

2. Medical expenses for in-patients are covered under the policy:

  • Room, Nursing, and Boarding expenses up to 1% of the sum insured.

Surgeons’/specialists’/Medical Practitioners/ Anesthetist

  • Anesthesia, blood, oxygen, operating room, intensive care unit, medicines, pharmaceuticals, and surgical appliances will all be covered.
  • Medical expenses for chemotherapy, radiotherapy, dialysis and pacemaker/stent implantation will be covered by the firm.
  • All costs associated with childcare treatments will be paid.
  • The STAR Micro Rural and Farmers Coverage covers Cataract Treatment costs up to INR 15,000 per policy period for each eye.
  • There is no requirement for a pre-acceptance medical screening under this STAR program.
  • The STAR Micro Policy offers clients the option of paying their premiums in installments (quarterly, half-yearly, or annually). -The Policy additionally covers the costs of hospitalization due to coronavirus.
  • A facility for everlasting renewal is offered.
  • This policy offers a quick and painless claim resolution.
  • The Micro Rural policy has a short 30-day waiting period (other than accidents)

18. Star outpatient care insurance policy

The STAR Health Outpatient Care Insurance Policy, a health policy launched by STAR Health in accordance with IRDA criteria, is a policy that is very straightforward and self-explanatory from its name. Insurance coverage has only covered medical expenses for in-patients, and the rest of the outpatient charges have been handled by the patients themselves, as has been seen and practiced for a long time. STAR Health has devised a specific program to assist in the payment of outpatient consultation fees, such as doctor’s fees, diagnostic tests, pharmacy bills, non-allopathic therapies, and other medical expenses.

The STAR Outpatient Care Insurance Policy has the following features:

1. Individual and Floater policies are available in three different plans with this STAR Policy:

  • Silver
  • Gold
  • Platinum.

2. Under this STAR policy, the company will cover all outpatient consultation expenses incurred at any network hospital for up to 6 members (self, spouse, and up to 4 dependent children). -Under this STAR policy, the company will cover all outpatient consultation expenses incurred at any network hospital for up to 6 members (self, spouse, and up to 4 dependent children).

3. If you go two years without filing a claim, you’ll be eligible for a 25% discount on your premium.

4. The Outpatient Care Policy will cover any costs incurred during non-allopathic consultations and treatments (AYUSH treatments).

5. The corporation will cover the costs of diagnostic tests performed as an outpatient at network hospitals.

19. Young star insurance policy

Young Star Insurance policy is a special program developed for young people who have just started their family or earning. It was launched under the IRDA rules and has its explanation buried in its name. People between the ages of 18 and 40 are frequently described as energetic, passionate, hardworking, and successful. This is the point in every person’s life when a dependent child transforms into a self-sufficient adult.

The Young STAR Insurance Policy has the following features:

  • The Young Star insurance covers the patient’s pre-hospitalization and post-hospitalization expenses for up to 60 and 90 days, respectively.
  • The organization, in partnership with the expert team, can deliver an e-medical opinion to the insurer based on the requirements.
  • The Young Star Insurance insurance covers certain innovative and new-age procedures.
  • All medical costs incurred as a result of childcare procedures will be covered by the firm.
  • In accordance with the policy duration, the Young Star health insurance also covers the costs of health check-ups.

20. Star Novel Coronavirus Insurance policy

This unexpected outbreak of a deadly virus has surprised the world and disrupted everyone’s personal and professional lives. The rapid outbreak of the coronavirus sickness has infected billions of people worldwide and killed millions. At this moment, it has been demonstrated that taking care of one’s health is the most important thing in life and that if we ignore this pandemic, it would adversely damage us.

The following are the highlights of the Star Novel Coronavirus Insurance Policy:

1. If the insured person is diagnosed with covid-19 and requires hospitalization, the firm will pay a lump sum payment.

2. The Star Health Novel Coronavirus insurance policy is created with a 16-day waiting period from the policy’s start date.

3. This insurance policy does not need the contracted person to undergo any pre-medical acceptance screening or testing.

4. Clients of the Novel Coronavirus insurance coverage can take advantage of a 15-day free-look period.

5. Clients will be eligible for a tax credit if they purchase this star health insurance coverage.

Exclusions in Star Health Insurance Policy

The following are some of the Star Health Insurance policy’s exclusions:

  • During the first 30 days after the policy’s start date, diseases are contracted by the insured individual. This exclusion will not apply to any insured individual who has been continuously covered under any other individual or group health insurance plan for the previous 12 months without interruption.
  • Tooth treatment or surgery, unless it was necessary owing to an accident that necessitated hospitalization. The cost of a tooth implant is likewise not covered.
  • Recovery, general weakness, or rest cure, nutritional deficiencies
  • Illnesses of the mental, psychiatric, and behavioral state.
  • Self-harm done on purpose
  • Intoxication, drug or alcohol use, chewing tobacco, and smoking
  • STD Disease and Venereal Diseases
  • Injuries or diseases caused directly or indirectly by or arising as a result of the invasion, war, a foreign enemy’s act, etc (irrespective of the war is actually announced or not)
  • Injuries or diseases induced or exacerbated by nuclear materials or weapons, whether directly or indirectly.

What is included in a star insurance policy?

The following are the Star Health Insurance Company’s inclusions.

  • Pre-existing conditions are covered after 48 months of continuous insurance with any other Indian insurance company.
  • Pre-hospitalization might cost up to 30 days in some cases.
  • Charges of post-hospitalization care for up to 60 days; however, the total amount will not exceed 7% of the hospitalization costs, up to a maximum of Rs 5000.
  • Rent for a Room
  • Nursing and boarding costs Anaesthetist fees for X-rays, medicines, pharmaceuticals, dialysis, diagnostic materials, and so on
  • Medical fees, specialists’ fees, consultants’ fees, and so on.

Process of claims of Star insurance policy

Star Health Claims Services is a simple and user-friendly approach that ensures that all claims are processed in a timely and efficient manner. Cashless claims are accepted at all of our network hospitals across the country. To make a claim, you must take the following steps:

1. The Process of Filing Health Insurance Claims Without Using Cash

  • Visit the network hospital’s insurance desk.
  • Identify yourself by displaying your ID card. -The Network hospital will verify your identity after which the pre-authorization form will be forwarded to the insurance company.
  • A doctor will review the relevant documentation and process the claim according to the health insurance plan’s terms and conditions.
  • A designated field doctor to make hospitalization as painless as possible.

The claim will be settled once all of the necessary procedures have been completed and the insurance policy’s terms and conditions have been met.

2. Health Insurance Claim Reimbursement Process

A designated field doctor to make hospitalization as painless as possible.

All hospital bills must be paid following discharge, as well as all original treatment documentation and fees incurred.

  • The Star Health Insurance Claim form must be completed and submitted to the nearest Star Health branch office, together with all original papers.
  • The claim will be settled according to the policy’s terms and conditions.

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