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1 month insurance policy

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Star Health Insurance

Star Health Insurance Company Overview:

Star Health Insurance laid its foundation stone in the year 2006 with its business interest in health insurance, personal accident and overseas mediclaim policy. It offers a wide range of Star health insurance plans tailored to fulfil the needs and requirements of their consumers. Star health insurance policies come at affordable prices.

With an innovative plan structure and easy-to-opt features, health insurance plans offered by Star Health and Allied Company Ltd. are a must-try. Star health mediclaim insurance plans are available for individual, family, senior citizens, children, and college goers.

About Star Health and Allied Company

Star Health and Allied Insurance Company Limited is a joint venture between M/s. ICICI Ventures Funds Management, M/s. Tata Capital Growth Fund, M/s. Oman Insurance Company, UAE, M/s. Sequoia Capital, and M/s. Alpha TC Holdings Pte Ltd, Singapore. It was founded and approved by IRDA. Being the first standalone insurance firm in India, Star Health and Allied Insurance Company assure direct and hassle-free claim settlement facilities.

Constantly ranked alongside some of India’s top health insurers, Star Health and Allied Insurance Co. Ltd has been conferred with many awards and accolades. Some of the most prominent ones are:

Most Promising Health Insurance Company at Healthcare Excellence Awards in 2014
Claims Service Company of the Year at Indian Insurance Award in 2014
Rated as the Best Claim Settlement Process Company by Hindustan MaRs Survey 2015
Health Insurance Company Of The Year at Indian Insurance Awards 2015

Why Should You Invest in Star Health Insurance?

Subject

Particulars

The ratio of claim incurred

No of health policies issued till 2017

Pre-existing diseases waiting period

Some of the reasons why you must choose to buy Star Health Insurance are:

The company offers a direct in-house settlement and does not involve a third party for health claim settlements.
The company is known for fast, easy and hassle-free health insurance claim settlements.
Policyholders get immediate access to cash-less hospitalization And reimbursement facility in more than 7000 network hospitals across India.
It has its wide presence across the country with over 6000 branch offices.
The star health mediclaim insurance offers personalized doctor visit for all customers getting hospitalized.

Star Health Insurance – Additional Features:

There are some additional features of Star Health Allied Insurance. They are:

Co-payment: You don’t have to make any co-payment; however, 20 per cent of the Star Health Insurance Claim has to be settled by you if you have attained an age between 61 and 65 years, unless specified otherwise.
Life-long Renewability: Star health insurance plans come with lifetime renewability and offer cover for an entire lifetime.
Pre-existing Diseases: Any pre-existing ailment is covered after a waiting tenure of 4 years.
Room Rent: Star health insurance plans come with room rent expense at 2 per cent of the sum assured, subject to a maximum of Rs. 4000 every day.
No Third-party Administrator: There is no third-party administrator in Star Health plans. This practices direct in-home claim settlement.

Star Health Insurance – What it covers?

As Star Health Insurance have a differentiated number of policies to protect the financial position of an individual in case of medical adversity. Each of Star Health Insurance plans serves to meet different medical expenses in unique ways.

The following are covered under the plans offered by the insurance provider:

Pre-Existing Diseases – These are incorporated subject to the prior cover by a domestic insurance provider; generally for 4 years preceding the inception of your policy.
Pre-Hospitalisation Cost – Usually up to 30 days.
Post-Hospitalisation Cost – Usually up to 60 days. Generally met via lump sum payment at the rate of 7 per cent of the costs of Rs. 5,000.

Apart from the aforementioned inclusions, the following are also included:

Anaesthetist
Nursing Boarding
Room rent
Surgery
Consultants, medical practitioner, specialists etc fees
X-ray, dialysis, diagnostic materials, medicines, drugs etc.

List of Star Health Insurance Plans:

There are 14 insurance schemes offered by Star Health. Below is the list of plans by Star Health Insurance:

Star Family Health Optima Insurance Policy
Star Senior Citizens Red Carpet Insurance Policy
Star Comprehensive Insurance Policy
Star MediClassic Insurance Policy (Individual)
Star Health Gain Insurance Policy
Star Super Surplus Insurance Policy
Star Diabetes Safe Insurance Policy
Star Cardiac Care Insurance Policy
Star Net Plus Insurance Policy
Star Care Micro Insurance Policy
Star Criticare Plus Insurance Policy
Star Family Delite Insurance Policy
Star Cancer Care Gold (Pilot Product)
Star Special Care Insurance Policy

Star Family Health Optima Insurance Plan

Star Health Plan

Family Health Plan

18 years to 65 years (Indian residents)

Sum Insured Range

Rs. 3 Lakhs to Rs. 25 Lakhs

Rs. 4215 is for SI of Rs.100000 in Zone 3, age group 16 days-35 years for family size!A+1C and Rs. 135070 in Zone 1, age group above 80 years for family size 2A+3C – in both the case excluding tax.

20% of each and every admissible claim for age above 60 years

Ambulance charges
In-patient hospitalisation
Domiciliary hospitalisation
Day-care expenses
New-born baby coverage

This Star Health insurance plan provides cover for the individual as well as the family at an affordable price.

Salient Features of Star Family Health Optima Insurance:

Star Health Family Health Optima is issued as a single policy, covering health insurance of the entire family.
Auto-recharge is available upto 300% of sum insured (100% three times).
The insurer does reimburse a maximum of Rs. 3500 every three years against expenses incurred for health check-ups during the policy tenure.
The insured gets the benefit of automatic restoration of the sum assured three times during the policy when exhausted, provided the sum assured is Rs. 3 Lakh or above
The health insurance company also provides for an auto cover for every newborn baby from the 16th day in the family.
Star Health and Allied Insurance Co. Ltd. also provide coverage for expenses incurred in case of organ transplantation.
This insurance scheme also provides cover for all day care procedures to be followed during the treatment period.
This star health insurance policy is available on floater basis and the sum insured floats among all the people insured under this policy.

Eligibility:

Any Indian citizen between the ages of 18 years to 65 years can apply for this scheme.
An infant ageing 16 days and above can be covered under this scheme.
For people beyond 65 years of age, this policy can be renewed for lifetime.

Star Senior Citizens Red Carpet Health Insurance Plan

Star Health Plan

Individual Plan

60 years to 75 years

Sum Insured Range

1 Lakh to 10 Lakhs

Guaranteed after 75 years

Rs. 4,450 to Rs. 26,550

5% discount while purchasing health policies online

A co-payment of 50% is applicable for pre-existing disease claims and 30% for other claims.

Pre-hospitalisation and post-hospitalisation expenses
Coverage for specific ailments
Outpatient consultations
In-patient hospitalisation
Ambulance charges

This star health insurance policy is extended to senior citizens above the age of 60 years.

Salient Features of Star Senior Citizens Red Carpet Insurance:

Star health insurance for senior citizens does not require you to appear for a pre-policy medical screening.
This Red Carpet insurance policy provides coverage for inpatient hospitalization expenses, including nursing fee, room rent, anaesthetics, medication and other such related expenses.
The star medical insurance company provides coverage against pre-existing diseases after a waiting period of 12 months. In details – “Pre-existing diseases are covered right from the 2 nd year, i.e. from the date of policy inception.”
The senior citizen health Insurance policy covers expenses arising out of queries related to outpatient treatment. However, this facility is only available for queries with the networked hospitals.
Reimbursements made as lump sum payment post hospitalisation.
This health insurance scheme provides cover for specific day-care procedures and for transportation expenses up to the specified limits.
It can be availed as an individual insurance plan.

Eligibility:

Any person between the ages of 60 years to 75 years can opt for this plan.

Star Comprehensive Health Insurance

Star Health Plan

Individual and family health plan

18 years to 65 years; dependent children: 3 months to 25 years

Sum Insured Range

Rs. 5 Lakhs to Rs. 25 Lakhs

Starting from Rs. 7,015. Actual premium differs, basis age, sum insured, and family size

A co-payment of 10% is applicable for individuals above 60 years at entry level and subsequent renewals.

Pre-existing diseases
Pre-hospitalisation and post-hospitalisation expenses
New-born baby cover/delivery cover, which includes C-sec deliveries and the vaccinations for newborn babies)
Daily cash for hospital expenditure
Outpatient treatment (Ophthalmic and Dental)

*This is not an exhaustive list

This Star health insurance policy provides mediclaim cover for the individual’s entire family and is issued on a floater basis.

Salient features of Star Comprehensive Health Insurance:

No upper limit specified for cost against treatment and room rents.
It covers the event of a personal accident resulting in permanent disability or the sudden death without asking for an additional payment.
It provides automatic health insurance coverage for newborn babies and also gives maternity benefits.
You may also like to apply for auto-restoration of the sum assured (up to 100 per cent) when exhausted.
You are also provided with the coverage against expenses incurred for availing outpatient ophthalmic treatment.
This health insurance scheme also provides cover for 405-day care procedures to be followed during the treatment period.
It gives extra benefits like health checkups, Bariatric surgeries, assistance for air ambulance, and so on at no additional cost.
Sum insured to increase by 100% in cases of claim free years.
Extended in the form of a hospital cash facility.
The star medical insurance policy available on an individual as well as on a floater basis. However, your spouse and other dependents in your family can avail benefits under this policy.

Eligibility:

Any person lying between the ages of 18 years to 65 years can opt for this plan. Dependent children between the ages of 3 months to 25 years can benefit from this scheme.

Star MediClassic Health Insurance

Star Health Plan

Individual and family health plan

5 months to 65 years; only renewal permitted after the age of 65 years.

Sum Insured Range

Rs.1.5 Lakh to Rs. 15 Lakh

Annual Premium Charges

Rs. 2510 to Rs. 88170, differs basis age, sum assured and zone

Two-year Premium Charges

Rs. 4769 to Rs. 167523 (varies on the basis of age, sum assured, and zone)

A co-payment of 10% is applicable for individuals above 60 years at entry level and subsequent renewals.

Pre-existing diseases
Pre-hospitalisation and post-hospitalisation expenses
Health-care expenses
Day-care procedures
Non-allopathic procedures

A Family Health Insurance plan extended as a family package including health and mediclaim benefits and bonus options.

Key Features:

You can apply for auto-restoration up to 200% of the sum assured if exhausted (in case of the Individual plan).
Coverage to increase by 5% of the basic sum insured (max up to 25%) in cases of claim free years
Extended in the form of a hospital cash facility.
This health insurance scheme also provides cover for 101-day care procedures to be followed during the treatment period.
It provides for free health checkups.

Eligibility:

Any person lying between the ages of 5 months to 65 years can opt for this plan. Children are to be covered only along with parents.
HIV+ people can also opt for this plan, subject to certain conditions.

Star Health Gain Insurance Plan

Star Health Plan

Individual and family health plan

Age of Entry 91 days to 65 years

Sum Insured Range

Rs. 1 Lakh to Rs. 5 Lakh

Rs. 800 to Rs. 30450 (Individual) and Rs. 1950 to Rs. 43785 (Floater) based on sum insured, entry age, plan and family size)

Cooling Off Period

Ambulance charges
Day-care treatments
In-patient hospitalisation
Outpatient procedures within the limits
Pre-existing ailments after 48 months

This Star Health Insurance plan provides cover mediclaim to an individual along with their family.

Salient Features of Star Health Gain Insurance:

Covers expenses incurred for both inpatient and outpatient treatments.
The amount saved from outpatient treatment is carry forwarded to the next policy year.
Avail a max up to 10 per cent discount on the premium at the time of renewal, provided no claim is made during the current tenure of the policy.
The fixed premium for all.

Eligibility:

Any person between the ages of 5 months to 65 years can opt for this plan. Children are to be covered only along with parents. Dependent children below the age of 25 years can benefit from this scheme.

Star Super Surplus Insurance Plan:

Star Health Plan Type

Individual and family Health plan

Adult: 18 years to 65 years; children: 3 months to 25 years

Sum Insured Range

Rs. 3 Lakh to Rs. 10 Lakh

Rs. 1950 to Rs. 36360 based on the sum assured and entry age

A co-payment of 10% is applicable for individuals above 60 years at entry level and subsequent renewals. (only for Gold Plan)

Air ambulance cover
Medicine costs
Consultant/surgeon fees
Operation theatre expenses
Hospitalisation charges
Second opinion costs

It is a top-up cover policy offered at affordable pricing.

Salient features of Star Super Surplus Insurance:

No pre-policy medical check-up required.
The company also provides for coverage of pre-existing diseases, subject to completion of 36 months of regular insurance cover.

Eligibility:

Any person between the ages of 5 months to 65 years can opt for this plan. Children can be covered along with their parents. Family floater policies cover an individual along with spouse and up to two children. This policy is also available on an individual

Star Diabetes Safe Insurance

Star Health Plan Type

Individual & Family Health Plan

18 years to 65 years

Sum Insured Range

Rs. 3 Lakh to Rs. 10 Lakhs

30 days (except for accidents) to 48 months (pre-existing diseases)

This insurance policy is for diabetic patients.

Salient Features of Star Diabetes Safe Insurance:

This Star Health Mediclaim policy provides cover for regular hospitalization expenses as well as expenses connected to diabetes and its complications.
Policy can be taken for self and spouse.
You can apply for auto-restoration up to 100% of the sum assured if exhausted.
This health insurance scheme also provides cover for 400+ day care procedures to be followed during the diabetes treatment period

Eligibility:

Anyone aged between 18 years and 65 years who are diagnosed with diabetes can purchase this policy.

Star Cardiac Care Health Insurance:

Star Health Plan Type

Individual Plan

10 years to 65 years

Sum Insured Range

Rs. 3 Lakh to Rs. 4 Lakhs

Gold Plan: starts at Rs.22,172
Silver Plan: starts at Rs.16,632 (incl. Tax)

10% of claimable expenses for individuals with entry age 60 years.

Ambulance charges
Hospitalisation expenses
Day-care treatments
Personal Accidents
Cardiac ailments after 90-days of the waiting period
Pre-existing ailments after 48 months

This insurance policy is for heart patients.

Salient Features of Star Cardiac Care Health Insurance:

It provides cover against heart diseases, posts 90 days of completion of the policy issuance date
Two variants of the policy are Silver Plan and Gold plan
Extended in the form of hospital cash facility
This insurance scheme also provides cover for 405-day care procedures to be followed during the treatment period

Eligibility:

Any person aged between 10 years and 65 years who had undergone Bypass Surgery or PTCA treatment within 7 years before the date of purchase of the policy.
This health insurance scheme is available on an individual basis.

Star Net Plus Health Insurance:

Star Health Plan Type

Individual Plan

Entry Age

Sum Insured Range

Rs. 30,000 to Rs. 50,000

Annual Premium

Rs. 2500 to Rs. 4,000

Medical Screening

Waiting period

AIDS confirmation (CD4 test) within 90 days of the commencement of the policy

Star health insurance scheme for HIV+ patients.

Salient Features of Star Net Plus Health Insurance:

It provides insurance cover to HIV+ patients, their family members or beneficiaries.

Eligibility:

Any person tested HIV+ or persons taking services from government agencies or NGO’S can b referred for this policy.

Star Care Micro Health Insurance Policy:

Star Health Plan Type

Individual & Family Health Plan

Entry Age

18 years to 65 years (Adults) 2 years to 25 years (Children)

Sum Assured

Premiums

Starts from Rs. 905 (Varies based on the sum assured and the age)

Premium

Renewability

Medical Screening

Coverage

Hospital cash benefits
Accidents occurring while paying any winter sports
Education grant for minor kids
Travel expenses for one relative

Star Care Health Insurance Plan Provides cover for the individual as well as his family

Features:

Available on the individual as well as floater basis.
Available in selected cities where the locations are divided in Tier 1 and Tier 2.
Tier 1 locations: Places with a population between 5 Lakhs to 10 Lakhs as per census 2011
Tier 2 Locations: According to census 2011, the places where the population is below 5, 00,000

Eligibility:

Any person aged between 18 years and 65 years who resides in any of Tier 1 and Tier 2 locations can purchase this plan.

Star Criticare Plus Health Insurance

Star Health Plan Type

Individual Plan

Entry Age

18 years to 65 years

Sum Assured

Rs.2 Lakh to Rs.10 Lakh

Premium

Rs.3,750 to Rs.35,350 (exclusive of tax)

Discount

5% for two or fewer members; 10% for more than two members

Renewability

Co-Payment

30% of claims for insured parties above 60 years

Coverage

Hospitalisation expenses
Day-care procedures
Pre and post hospitalisation expenses
Non-allopathic procedures
Ambulance charges

It is a protection policy issued along with critical expenses and added benefits.

Features:

This critical Illness policy provides coverage for inpatient hospitalization expenses, including nursing fee, room rent, anaesthetics, medication and other such related expenses for a minimum of 24 hours.
It covers pre-hospitalization (30 days prior to admission to the hospital) and posts hospitalization expenses along with ambulance charges if any.
This star health insurance policy provides coverage against certain day-care procedures.
Issued on an individual

Eligibility:

Any person lying between the ages of 18 to 65 years can opt for this plan.

Star Family Delite Health Insurance:

Star Health Plan Type

Family Health Plan

Entry Age

5 months to 65 years

Sum Assured

Rs.2 Lakh to Rs.3 Lakh

Premium

Rs.2,800 to Rs.33,100

Renewability

Medical screening

Required for entrants above 50 years at authorised centres

Coverage

Pre-hospitalisation and post-hospitalisation expenses
Emergency ambulance fees
Certain diseases specified in the brochure
In-patient hospitalisation expenses
Pre-existing ailments after 48 months

A Star Health Insurance covers for the entire family with added benefits.

Features:

It covers pre-hospitalization (30 days prior to admission to the hospital) and posts hospitalization expenses along with ambulance charges if any.
This health insurance policy provides coverage for certain day-care procedures.
This policy provides coverage for inpatient hospitalization expenses, including nursing fee, room rent, anaesthetics, medication and other such related expenses for a minimum of 24 hours.
Provides cover for specified diseases.

Eligibility:

Any person lying between the ages of 5 months to 65 years.
Available on floater basis for the individual, spouse and dependent children.

Star Cancer Care Gold (Pilot Product):

Star Health Plan Type

Individual Health Plan

Entry Age

5 months to 65 years

Sum Assured

Rs.3 Lakh to Rs.5 Lakh

Premium

Section 1: Rs. 17,400

Section 2: 12,250

Co-payment

10% co-payment for the insured who have attained an age of 60 years or more

Renewability

Medical screening

No need of any pre-policy medical screening

Policy Term

Coverage

Section 1: Offers lump sum benefits in the event of recurrence of second cancer/disease/metastasis
Section 2 (Indemnity Coverage): It offers cover for interventional and surgical therapy
Section3 (Indemnity Coverage): It offers cover for non-interventional and non-surgical therapy

Salient Features of Star Cancer Care Gold (Pilot Product):

This is the first Indian insurance plan, on a pilot basis, for the people who are affected by cancer.
It offers cover against the risk of spreading of cancer (metastasis), recurrence of cancer, or second cancer.
Star health insurance cancer care plan is for individuals who are diagnosed with cancer.
Premium paid against Star Health Insurance cancer care plan is eligible for tax redemption u/s 80D of the Income Tax Act, 1961.
No pre-acceptance medical check-up is required

Eligibility:

An individual can cover self, dependent children, spouse, dependent parents
Any individual lying between the ages of 5 months and 65 years

Star Special Care Insurance Policy:

Star Health Plan Type

Individual Health Plan

Entry Age

3 years to 25 years

Sum Assured

Co-payment

20% for each claim

Renewability

Medical screening

No pre-acceptance medical screening is required

Policy Term

Coverage

Hospitalisation charges up to Rs. 5000 per day
Anaesthetist, surgeon, consultants, medical practitioner, and specialists fees included
Operation theatre charges, blood, oxygen, medicines, drugs, anaesthesia, surgical appliances, etc.

Features of Star Special Care Insurance Policy:

Star Health Insurance Special Care policy is designed to offer medical insurance for kids who’ve been diagnosed with Autism Disorder.

Eligibility:

Any kid between 3 years and 25 years of age and diagnosed with Autism disorder is covered.

Star Health and Allied Insurance Co. Ltd. Combi Plans in Association with India First Life Insurance:

Star First Care
Star First Delite
Star First Classic
Star First Comprehensive
Health Insurance for Corporates

Travel Insurance:

Star Corporate Travel Protect Insurance Policy
Star Travel Protect Insurance Policy
Star Student Travel Product Insurance Policy

Personal Accident Insurance:

Student Care
Accident Care Individual Insurance Policy

Star Health Insurance Premium Calculator:

Star Health Allied Insurance helps you to calculate your annual premium for its different star health insurance plans easily and conveniently. You can use star health insurance premium calculator to calculate your yearly premium. All you need to do is to provide a few vital details and the Star Health premium calculator helps you calculate your annual premium amount for the Star Health Insurance plan you intended to buy.

Following is a list of details that you’ll need to calculate your Star Health insurance premium payment by using star health calculator:

Policy Tenure
Sum Insured
Scheme (total number of members you intend to add in the plan)
Date of birth of the eldest member

Basis these details the Star Health premium calculator will give you the basic premium and the gross premium amount.

How to Calculate Star Health Insurance Premium for Individual Plan:

Star Health insurance premium calculator allows you to obtain a rough estimate of your premium amount of the selected Star health insurance policy. You have to visit the web page and click on the same policy. For instance, if you’ve decided to make an investment in “Star Health Family Insurance Policy”, you’ll have to provide the basic details like how many children and adults you wish to insure under the plan, enter the sum assured amount, pin code, and the date of birth of a most senior member of the family, etc. Once you provide the necessary information, you’ll get a rough idea about your Star Health Insurance Premium amount for the selected policy.

Star Health Insurance Premium Payment Online

As Star Health Insurance started operating in 2006 in the field of Personal Accident Insurance, Overseas Mediclaim Policies, and Health Insurance, the insurance provider strives to bring the best insurance products and services to its consumers in India. With a wide range of insurance products and services in its arsenal, the need and requirement of every individual are catered to make sure that they live a happy and peaceful life. The insurance provider primarily focuses on Accident Policies, Travel Insurance and Health Insurance.

Star Health Insurance Company facilitates its customers with online premium payment.

Star Health Insurance Online Premium Payment Avenues:

A plethora of effortless and quick Star Health Insurance Online Payment avenues are offered by Star Health Insurance for their customers. Star Health Online Payment avenues are safe and secure and offer a hassle-free and quick service that can be availed by their consumers.

The policyholder has to follow a simple process developed by the Star Insurance Company. The insurance provider has developed an easy purchase module on the official website of the company where the policyholder can follow the procedure to avail health insurance policy for their family members or themselves.

A consumer needs to visit the official website of Star Health Insurance, where s/he has to plan type required from the available options listed below the ‘Health Insurance’ tab. One can find this on the top of the homepage.

The policyholder has to select the plan that best suits the needs and requirements after which a new page is displayed with details regarding the required insurance cover, mobile number, address, date of birth, and other personal details.

Hereafter, another page will be displayed where the consumer would have to pay the required amount for the purchase of health insurance plan.

The application form, policy clause, and the health insurance brochure can be downloaded by the consumer from the official website.

Other health insurance providers are meant to adopt various Star Health Online Payment avenues such as debit cards, credit cards, cheques, Paytm, and internet banking. An insured can get in touch with the consumer support team of the Star Health Insurance on 1800-425-2255 to get more information on the Star Health Insurance Premium Payment avenues that are accepted by the company.

Star Health Insurance Plan Renewal:

Most of the health insurance plans offered by Star Health Insurance provide the comfort of lifetime renewability. However, a few health plans offered by Star Health Insurance Company have a limitation on the renewability period of the plan. It makes sense to carefully read the policy documents and check the terms and conditions before buying a plan to understand the Star health online renewal process and the renewability period for the intended plan.

Renew Your Star Health Insurance Plan Online

Here are the step-by-step guidelines to renew your Star medical insurance plan online.

Star medical insurance company offers a lifelong renewal feature. In order to enjoy continuous insurance benefits, you need to renew your insurance plan on a yearly basis.

Don’t worry about forgetting the Star Health Insurance Renewal date. Star Health will send you friendly Star Health Policy Renewal reminders to make sure that you continue to enjoy all the insurance benefits. In case, you forget your plan’s renewal date and your policy expires, you will have a grace period. If you want your policy to continue, this is the high time to renew your plan.

Star Health and Allied Insurance Online Renewal process

If you want to renew your insurance plan online, all you have to do is follow the steps mentioned below for Star Health Insurance Renewal Online.

Step 1– Visit Star Health’s website. Click on the Star Health Renewal tab to renew your health plan.

Step 2– Now, fill out your policy details – policy number, email ID, date of birth, and registered mobile no. in the renewal form.

Step 3– Click on the Proceed button.

Step 3– Double check and check renewal details like gross premium and service tax.

Step 4– Click on Purchase Policy button.

Step 5– Now proceed to Star Health Insurance Premium Payment. You can pay the Star Health Insurance premium via net banking, credit card or debit card.

Star Health Insurance Claim Process

Here is the claim process for Star health insurance.

For Cashless Claims:

If you want to avail cashless claim in a Star Medical Insurance plan, follow the steps mentioned below.

Step 1– Visit the insurance desk at the reception of the network-listed hospital you are undergoing a treatment at.

Step 2– Display the policy ID for identification purpose.

Step 3– The Star Health Network Hospital would cross-check your identity and submit the pre-authorization Star Health Insurance Claim Form.

Step 4– A doctor from their team will evaluate the documents. After the verification, he/she will process the claim in accordance with the terms and conditions of the opted plan.

Step 5– A designated field doctor will make the hospitalization process simpler for you.

Step 6– After the completion of the necessary formalities, the claim would be settled according to the terms and conditions.

Reimbursement Claim Process

If you want to avail reimbursement claim for Star Health Mediclaim, follow the steps mentioned below.

Step 1– A doctor on-field will make hospitalization simpler for you.

Step 2– Post discharge, you will have to clear the hospital bills. Make sure you collect all the original documents of the treatment(s) and receipts of incurred expenses.

Step 3– Fill out the Star Health Claim Form, attach all the required original documents and receipts, and submit it to the nearest branch office of Star Health.

Step 4– As per your policy’s terms and conditions, your claim will be settled.

How to Apply for Star Health Insurance Policy?

Health insurance plans offered by the company can be applied to through multiple channels like:

Individuals wishing to buy star health insurance plans can simply call the Sales helpline of the company and speak to the customer service representative.
They can provide their name and mobile number on the website of the company and request for a callback.
Lastly, customers may also visit the company’s branches or get in touch with an agent to buy the plans required.

Star Health Insurance Network Hospital:

Star Health Allied Insurance is associated with more than 8,200 network hospitals across India where you, with Star Health Insurance, can avail the cashless hospitalisation along with reimbursement facility. This is one of the largest bases of Star Health Network Hospital List in the country. The insurance provider also offers simple and hassle-free health claim settlement process with no intervention of the Third-party Administrator (TPA).

In order to track down a network hospital accessible from your home, choose your city and state from the drop-down menu on the online Network Hospital Locator. You will be redirected to the Star health insurance hospital list with their contact details right away. Star Health Insurance is also associated with the Agreed Network Hospitals, where you can avail the cashless transactions and get rates for the package for its identified procedures.

Star Health Insurance – FAQs

Q1. What is Health Card?

Ans. A health card comes with the health insurance policy of Star Health Insurance and is like an ID card. It allows an insured to get cashless treatments at any of the network hospitals of Star Health Insurance Company.

Q2. Is there any limit on the number of Star Health claims that an insured can take in one year?

Ans. There is no limit on the numbers of the Star Health claims an insured can avail in one year, but there is a limitation on Sum Insured, which is the maximum allowed limit as per the policy.

Q3. Can a non-Indian take health policy of Star?

Ans. Yes, any non-Indian can take the health insurance plan of Star, but the coverage will be available across India only.

Q4. Does one get a tax benefit for buying a health insurance plan for Star Health Insurance?

Ans. The premiums that one pays for Star Health Insurance health policies are eligible for tax exempted under section 80D of the Income Tax Act, 1961.

Condition

Spouse, Dependent Children, and Self

Parents

Deduction Under the Section 80D

Individual and his/her family are less than 60 years of age.

Individual and his/her parents are of age 60 years or above

Individual and his/her family are below the age of 60 years and parents are above the age of 60 years

Q5. What is the list of diseases that Star Health Insurance Cover?

Ans. Below is the Star Health Insurance covered Diseases List:

Genetic Disorder
HIV/AIDS
Infertility
Childbirth or pregnancy related complications
Congenital disorder
Hernia
Piles
Cataract
Sinusitis
Fistula
Diseases caused due to alcohol or drugs consumption

Q6. How to check Star Health Insurance Policy Status?

Ans. Once the Star Health Insurance Company is intimated, the procedure begins right away for the approval. In the event of cashless claims, there are chances that the insurance provider will approve and settle it within tenure of 2 hours. Nevertheless, if the policyholder wishes to check the Star Health Insurance Policy status, he/she must visit the home page on the official website of the Star Health Insurance Company under the ‘Claims’ tab, hit the Claim Status button. Hereafter, enter the required Star Health Insurance Policy details such as ID number and claim intimation number, and hit the ‘submit’ button. After this, the policyholder will have the list of network hospitals on the screen, s/he can click on the appropriate network hospital or nursing home where the medical procedure was carried out, and click on submit button. The user will see the status of the claim on the screen.

Q7. Is it possible to check Star Health Insurance Claim Status?

Ans. As soon as an insured informs the company, the process for approval starts immediately. For cashless claims, it generally gets settled within 2 hours. However, to check the Star Health claim status online go to the website of Star Health Insurance Company. There on the ‘Home’ page, there is ‘Claims’ section at the top, click ‘Claims Status’. After that enter ID and claim intimation number and then click ‘Submit’. Star Health Hospital List is displayed after this, click on one of the hospitals where the treatments were done and submit. The Star Health Insurance Claim Status is displayed.

Q8. What is the process to fill up the Star Health Insurance Claim Form?

Ans. Star Health claim form is available on the website of the insurance provider, download it from there. All the guidelines are provided on the Star Health Insurance Claim Form only. The Star Health Claim form has two parts – Part A and Part B. Part A have to be filled by the insured and Part B is to be filled by the hospital.

Part A of the Star Health claim form asks about the personal details, hospitalization details, insurance history, bank account details, and details of the claim of the policyholder.

Q9. Is there any top-up plan of Star Health Insurance?

Ans. The ‘Start Health Surplus Insurance Policy’ is the top up plan of the Star Health Insurance. This plan provides a high sum assured at a very affordable premium. The advantages of having a top-up policy are that there is no requirement of any medical check-up, but pre-existing diseases are covered only after completion of 3 years of the waiting period. A Star Health policyholder can add this to his/her base health insurance plan or can take it as an independent plan. However, the claim of this plan is approved only after the policyholder has given the deduction amount, which varies according to the plan opted by the policyholder and can be from 3 Lakh to 5 Lakh.

Q10. How to pay the premiums of the Star Health Insurance online?

Ans. Go to the website of Star Health Insurance and choose the health insurance policy. Fill the details of all the individuals for whom the health insurance is to be bought. With the help of the Star Health premium calculator, one can see the quotes instantly.

See all the details of the plan and check its inclusions and exclusions and after fixing up a plan, one can see pay the premiums directly on the website. The Star Health Online Payment can be paid either via debit card, net banking, and credit card.

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SOURCE: http://www.policybazaar.com/insurance-companies/star-health-insurance/

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