Get a Quote
Prem Anand Author
Prem Anand
Prem Anand
VIP CONTRIBUTOR
Prem Anand
10 + years Experienced content writer specializing in Banking, Financial Services, and Insurance sectors. Proven track record of producing compelling, industry-specific content. Expertise in crafting informative articles, blog posts, and marketing materials. Strong grasp of industry terminology and regulations.
LinkedIn Logo Read Bio
Prem Anand Reviewed by
GuruMoorthy A
Prem Anand
Founder and CEO
Gurumoorthy Anthony Das
With over 20 years of experience in the BFSI sector, our Founder & MD brings deep expertise in financial services, backed by strong experience. As the visionary behind Fincover, a rapidly growing online financial marketplace, he is committed to revolutionizing the way individuals access and manage their financial needs.
LinkedIn Logo Read Bio
9 min read
Views: Loading...

Last updated on: July 21, 2025

Quick Summary

Many people find it hard to understand and choose the right health insurance plan, especially with confusing policy terms and worries about hidden costs. The Star Health Assure Insurance Plan solves these problems by offering clear policy details and simple claim processes. It also provides wide coverage and support for cashless hospital treatments, making healthcare easier and stress-free for everyone.

Star Health Assure Insurance Plan: Need to Know in 2025

Health insurance India is a market that has expanded at an astonishing pace, and plans have become more accessible and pertinent than before. Some of the more common options include the Star Health Assure Insurance Plan, which is known to be comprehensive, customer oriented and can be flexible enough to cover an individual, a family or even a senior citizen. The present article presents all the points of the 2025 plan so that you could understand whether it fits your specific health and financial coverage.

What is Star health assure insurance plan?

The Star Health Assure Insurance Plan is a health insurance cover, which is aimed at covering your hospitalization cost, day care treatment among other health related costs which would otherwise strain your bank. Presented by Star Health and Allied Insurance Company that is one of the most popular insurance providers in India, this plan is developed to cover growing healthcare expenses and changing healthcare environment in 2025.

Why will Star Health Assure be relevant in 2025?

The world in India is constantly transforming in terms of healthcare requirements with such novelties as lifestyle illnesses and new treatment methods. Star Health Assure Plan is flexible and this is one plan that will fit into the needs of urban families, working professionals and even senior citizens after the age of 65 years.

  • Modern treatment cover
  • No claim bonus advantages are increased Higher no claim bonus benefits
  • Low cost family floater products

Surprised?
In 2025, nearly 70 percent of the Indians would like to have health policies which include coverage of both pre existing ailment and day care.

What are the Major Differences in Star Health Assure?

Selecting the suitable health insurance is a matter of inquiry. Star Health Assure comes with a lot of provisions, which are meant to assist policyholders when it is the most opportune.

What Star Health Assure Plan Benefits are there?

  • Sum insured: 5 lakh to 1 crore flexibility:
  • Free health check-ups: Free health check of all those members covered by the insurance.
  • Day care procedure coverage: Over 600+ procedures and does not need 24 hour hospitalization
  • Modern treatments covered: Robotic surgeries, stem cell therapy etc.
  • Hospital cash benefit: Pre-set amount of daily cash coverage in hospital stay
  • Domiciliary hospitalization: The facility to cover the treatment at home at the time when the bed in a hospital is unavailable

Which Kind of Claims Does Star Health Guarantee To Settle?

  • No-cash treatment in the hospital network of 14,000 plus
  • Hospital non network reimbursement
  • In metros, with 2 hours permit to claims
  • No room rental sublimit
  • Post 2 year coverage of pre existing diseases
  • Up to 100 percent Reload of Sum Insured

People question too:

Will it be possible to cover my parents in Star Health Assure 2025?

Yes, it has flexible family floater plans to provide a small loading to provide cover to parents up to the age of 75 years.

Does Maternity and Newborn Care This Cover?

In families that are intending to have children, this plan has maternity cover and both normal and C-sections delivery expenses are covered. The newborns receive coverage since the first day when maternity is declared on the same policy.

Expert’s Insight:
To adequately utilize the waiting periods, reduce the benefits and increase cover, insurance specialists advise individuals to take maternity cover at least two years before.

What Makes the Star Health Assure Republished Different to Other Health Insurance Plans?

Table of Features

FeatureStar Health AssureOther Insurers (average)
Sum Insured Rangeup to 5L- 1 Croreup to 3L- 75L
Number of Day Care Procedures600+400 550
Waiting for Pre Existing Ailment2 years3-4 years
Hospitals in the Network14,000+10,500 12,000
No claim bonus20 percent upto 10010 percent upto 50
ODP ConsultationsCovered up to 20KCovered up to 5K
Maternity BenefitsYesRational

Does the Plan Provide Digital Assistance?

Since the majority of the policyholders prefer ease of use, Star Health has digital onboarding process, instant intimation of claims via their mobile application, telemedicine consultation and real time policy tracking.

  • 24 hours a day customer care services
  • Online policy downloading and renewing
  • Claims process without paper

People question too:

What is the cycle time of Star Health Assure?

Most cashless claims are handled in lapse of 2 hours. Reimbursements are settled within a period of less than 7 working days.

Surprised?
In the year 2025, The claims of Star Health were settled digitally, and more than 98 percent of the claims were settled with reduced paperwork hassles to customers.

Star Health Assure Pros and Cons?

Each policy bears its pros and cons. So, here goes a realistic critique of Star Health Assure:

What are Star Health Assures Advantages?

  • Broad sum insured accommodation and flexibility add ons
  • Digital cashless settlement of claims fast and paperless jurisdiction
  • Dynamic day nursing and up to date practice are incorporated
  • By no capping of room rent even in metros
  • Wellness loyalty points and regular health screening examinations
  • Broad urban and rural hospital net

What are the demerits of Star health assure?

  • Minor elevated premium to senior citizens
  • Expensive when taking a single cover with high sum insured
  • Definite exceptions on cosmetic surgery and dental works unrelated with accidents

People question too:

Is Star Health Assure a critical illness cover?

It does not take out a critical illness rider on lump sum payout but covers a variety of modern treatments–consider taking out a critical illness rider on a lump sum separately provided you need its fixed benefit.

Expert’s Insight:
It is more advisable to buy which is health insurance early. Star Health Assure below age 40 is one that provides least premium advantage and risk of waiting period.

What Does Star Health Assure cover in 2025?

What Does Medical Expenses Cover?

  • It was a sick or accidental hospitalization.
  • Pre hospitalization and after hospitalization expense within 90 days
  • Day care and high level medical operations
  • Cost of organ donor and transplantation
  • Ambulance medical cover air ambulance up to sum covered
  • Hospitalization or domiciliary care as and when needed

What Does Not Fall under This Policy?

  • Diseases that exist in the first 2 years
  • Any illness during the initial 30 day waiting period (other than accident)
  • Unless injury is involved, OPD dental, vision and hearing
  • Alternative treatment unless authorized such as ayurveda or alternate homeopathy

Does it have Preventive Healthcare?

The plan is also an incentive to policyholders who on an annual basis are provided check up and tracked on their wellness in order to receive discounts on renewed premium.

People question too:

Am I eligible to claim COVID 19 or future pandemic?

YES, pandemic related hospitalization including COVID 19 and any other government listed pandemics will be still covered by Star Health Assure as per IRDAI guidelines.

Surprised?
Starr Health in 2025 collaborated with more than 120 diagnostic laboratories in India to provide free annual health check of policy holders who are above 45 years of age.

Where To Purchase star Health Assure Plan in 2025?

What is a Process of Application?

  • Check at the official page or official representatives
  • Complete family, personal, and medical histories data
  • Select sum insured, policy tenure and add on covers
  • Upload KYC papers, ID proof and medical reports when required
  • Pay premium online net banking or UPI.

Eligible persons can be issued policy in less than 10 minutes. Only persons over 50 or having some diseases should have a physical medical checkup.

What Is the Price of Star Health Assure Plan?

The premiums are subject to age, sum insured, and add ons. This is a 2025 picture of a healthy non smoker:

Age Group5L SI10L SI25L SI50L SI
25 years6,2008,90014,40026,000
35 years7,75010,20016,90030,600
45 years9,20012,90019,10033,500
55 year old14500203003440062900

Premiums are annual and are inclusive of GST. Family floater discounts: 10 percent three and above.

People question too:

Does Star Health Assure have any discount of premium in 2025?

Yes, the discounts have online purchase benefit, wellness reward points, and up to 20 percent no claim bonus discount on the renewal.

Expert’s Insight:
In 2025, co branded Star Health Assure at even lower group premiums have been introduced by some of the Indian banks and corporates.

Which documents are required to file a claim?

  • Pre authorization policy copy and cashless
  • Original hospital bills, Investigation reports, discharge summary of the reimbursement
  • Legitimate photo-id and KYC of insured
  • Negotiable warrant of NEFT claims Cancelled cheque

Today, most claims are almost made easy as they are done via the Star Health customer app or through the WhatsApp facility where one does not need to travel to the health provider or to the health claim facility.

People question too:

Whether I have a cashless admission card?

No, the policy e card or Aadhaar is sufficient in the year 2025 but with valid hospital authorization.

Surprised?
WhatsApp claim quick service was ranked the top three in the customer satisfaction rating of Star Health by IRDAI in 2025.

Who needs Star Health Assure?

  • Young professionals and couples who are in need of comprehensive and maternity cover
  • Families having children, those looking to receive annual health checkup
  • The elderly people who desire a short waiting time and coverage of pre existing conditions
  • Those who are at risk of lifestyle disorders, or those who are identified to have chronic conditions newly discovered

The policy is adept to both salaried and self employed persons and is flexible to both the urban and semi urban clients.

Quick Recap (TLDR)

  • Star Health Assure is one of the Indian leading health insurance plans in 2025
  • Provides broad and flexible sum assured and digital claim services
  • Covers more than 600 modern and day care procedures with maternity, organ donor and domiciliary care
  • Among the standout features are annual health check, wellness rewards and no-capping of room rents
  • The senior citizens pay a little higher premium but have very wide coverage advantages
  • It is widely used due to fast settlement of digital claim and customer support

People Also Ask (FAQ)

What is the difference between Star Health Assure and Star Comprehensive?

Star Health Assure is more flexible, reloading the sum insured and more wide-section day care treatment and Star Comprehensive is stacked more towards the wellness benefits with few OPD provisions.

Can I port to Star Health Assure to another insurer?

Yes and according to the IRDAI portability rules, you would be allowed to transfer to Star Health Assure when the policy renews and the waiting periods on pre existing disease would be transferred as well.

What shall happen in the event that my claim is rejected?

Escalation may be carried out with Star Health Grievance Cell, contact Insurance Ombudsman, or through online IRDAI system without bias.

Is the AYUSH treatment or alternative treatment included in the plan?

It selective covers AYUSH in-network government and NABH accredited hospitals only upto 25 percent of the sum insured.

Sources:

  • Official Website of Star Health and Allied Insurance Star Health and Allied Insurance Official Website
  • Health Insurance 2025 Guidelines issued by IRDAI
  • India Health Insurance Industry Trends 2025 economic times On 24 November 2011, the Economic Times reported that the Indian health insurance industry is booming, with investments flowing in.

Compare & Apply Best Health Insurance Providers in India

Star Health

Star Health

  • Min Premium – ₹ 3600/year
  • Network Hospitals – 14,000+ hospitals
  • Claim Settlement Ratio – 82.3%
Get Quote
Future Generali

Future Generali

  • Min Premium – ₹ 4544/year
  • Network Hospitals – 6300+ hospitals
  • Claim Settlement Ratio – 98.1%
Get Quote
HDFC Ergo

HDFC Ergo

  • Min Premium – ₹ 6935/year
  • Network Hospitals – 13,000+ hospitals
  • Claim Settlement Ratio – 97–98%
Get Quote
Manipal Cigna

Manipal Cigna

  • Min Premium – ₹ 6600/year
  • Network Hospitals – 8500+ hospitals
  • Claim Settlement Ratio – 95–98%
Get Quote
New India Assurance

New India Assurance

  • Min Premium – ₹ 2800/year
  • Network Hospitals – 8761+ hospitals
  • Claim Settlement Ratio – 96%
Get Quote
Oriental

Oriental

  • Min Premium – ₹ 4320/year
  • Network Hospitals – 2177+ hospitals
  • Claim Settlement Ratio – 90%
Get Quote
Shriram

Shriram

  • Min Premium – ₹ 6320/year
  • Network Hospitals – 5177+ hospitals
  • Claim Settlement Ratio – 92%
Get Quote
Reliance

Reliance

  • Min Premium – ₹ 4188/year
  • Network Hospitals – 8000+ hospitals
  • Claim Settlement Ratio – 99–100%
Get Quote
Royal Sundaram

Royal Sundaram

  • Min Premium – ₹ 3360/year
  • Network Hospitals – 8300+ hospitals
  • Claim Settlement Ratio – 95–98%
Get Quote
Care Health

Care Health

  • Min Premium – ₹ 5740/year
  • Network Hospitals – 19,000+ hospitals
  • Claim Settlement Ratio – 90% (2022–23)
Get Quote
Chola Health

Chola Health

  • Min Premium – ₹ 5740/year
  • Network Hospitals – 19,000+ hospitals
  • Claim Settlement Ratio – (90%)
Get Quote
IFFCO Tokio

IFFCO Tokio

  • Min Premium – ₹ 15,636/year
  • Network Hospitals – 10,000+ hospitals
  • Claim Settlement Ratio – 95%
Get Quote
👍 26 people found this helpful
Ratings and reviews
4.1 ★ ★ ★ ★ ☆
( 26 RATINGS )
5 ★
(12)
4 ★
(6)
3 ★
(6)
2 ★
(2)
1 ★
(0)
Instant Policy Issuance
★★★★★

I got my health insurance policy within minutes after payment. Everything was smooth and fully online. Very impressed!

Meena K 1 day ago
Great for Family Plans
★★★★★

I took a family floater plan through Fincover. Covered my whole family under one premium. Very useful.

Suresh N 3 days ago
Helpful Plan Comparison
★★★★

Comparing plans was quick and easy. The filters made it simple to choose what suited me best. Saved me time.

Harish R 3 days ago
Claim Filing Was Easy
★★★★★

I was nervous about filing a claim but Fincover’s guide helped a lot. Process was much easier than expected.

Megha S 4 days ago
Hospital Filter Needs Work
★★★

I had to go to the insurer’s site to check hospital network. The Fincover search wasn’t detailed enough.

Jyoti P 5 days ago
Claim Tracking Needs Work
★★★

The claim took longer than expected and tracking progress online wasn’t clear. The rest of the process was fine.

Sanjay D 1 week ago
Smooth and Fully Digital
★★★★★

Bought my policy in just a few clicks. No calls, no forms — loved how fast and digital everything was.

Naveen K 1 week ago
App Would Be Great
★★★

The site works well but a mobile app would make things easier. Hope it's coming soon.

Anil R 1 week ago
Claim Steps Confusing
★★

Claim process wasn't clearly explained. I had to call support multiple times to understand the next steps.

Sheetal V 10 days ago
Easy for Senior Plans
★★★★★

I used Fincover to buy a policy for my mother. It was easy to filter senior citizen plans. Helpful and clear.

Radha N 2 weeks ago
Saved Me Money
★★★★★

I compared multiple plans and found one with better coverage for less premium. Great platform for saving money.

Rajeev M 2 weeks ago
Confusing OPD Details
★★

I assumed OPD cover was included, but it wasn’t. Would be better if OPD benefits were clearly labeled.

Vinod P 2 weeks ago
Time-Saving Comparison
★★★★

I compared 5 policies in under 10 minutes. Really fast and helpful tool.

Tanvi D 2 weeks ago
Quick Renewal Process
★★★★★

Renewed my existing policy in less than 5 minutes. No issues at all — fully digital and simple.

Kiran B 3 weeks ago
Policy Docs Took Time
★★★★

The policy was issued quickly, but the documents arrived on email after 2 days. Expected them sooner.

Kanchana R 3 weeks ago
Pre-Existing Not Covered
★★★

Disappointed to see pre-existing conditions aren’t covered for the first 2 years. This should be more visible.

Lokesh N 3 weeks ago
Limited Insurer Choices
★★★

Couldn’t find all the insurers I was expecting. Hope they add more options soon.

Deepak J 1 month ago
Beginner-Friendly Interface
★★★★

I’m new to insurance, and Fincover made it easy to compare and understand each plan. Great for first-timers.

Reema S 1 month ago
Ideal for Salaried Buyers
★★★★

Fincover offers solid options for salaried people like me. The plans matched my work benefits and budget.

Imran H 1 month ago
Responsive Chat Support
★★★★★

The live chat helped me choose between two plans. All my questions were answered clearly and quickly.

Devika L 1 month ago
Smooth Payment Flow
★★★★★

Paying online was hassle-free. Got instant confirmation and no extra calls. Loved the simplicity.

Haritha M 1 month ago
Great Post-Purchase Support
★★★★★

The team called me after I bought the policy to ensure I got everything. They even explained the benefits again.

Yusuf Q 1 month ago
Quick Support Response
★★★★★

I had a premium-related query and the team responded within 10 minutes. Very helpful and polite support.

Zoya F 2 months ago
Policy Info Needs Simpler Terms
★★★★★

I found it hard to understand some terms like room rent limits and co-pay. It would help to simplify that.

Mohit T 2 months ago
Maternity Add-On Info Missing
★★★

I was looking for maternity coverage but the plans didn’t show add-on details clearly. Needs better labeling.

Shweta K 2 months ago
Good User Experience
★★★★

Compared many plans across sites and Fincover felt the easiest. All the details were in one place.

Karan P 2 months ago
See all

Currently we’ve stopped accepting new reviews. It will resume shortly.

Related Search

Popular Searches

What is?

Health Insurance by Sum Insured

ICICI Lombard

HDFC Ergo

Care Health

Star Health

Niva Bupa

Written by Prem Anand, a content writer with over 10+ years of experience in the Banking, Financial Services, and Insurance sectors.

Who is the Author?

Prem Anand is a seasoned content writer with over 10+ years of experience in the Banking, Financial Services, and Insurance sectors. He has a strong command of industry-specific language and compliance regulations. He specializes in writing insightful blog posts, detailed articles, and content that educates and engages the Indian audience.

How is the Content Written?

The content is prepared by thoroughly researching multiple trustworthy sources such as official websites, financial portals, customer reviews, policy documents and IRDAI guidelines. The goal is to bring accurate and reader-friendly insights.

Why Should You Trust This Content?

This content is created to help readers make informed decisions. It aims to simplify complex insurance and finance topics so that you can understand your options clearly and take the right steps with confidence. Every article is written keeping transparency, clarity, and trust in mind.

Why Choose Fincover®?

💸
Instant Personal Loan Offers
Pre-approved & 100% online process
🛡️
Wide Insurance Choices
Compare health, life & car plans
📊
Mutual Funds & Investing
Zero commission plans
🏦
Expert Wealth Management
Personalised goal-based planning
Get it on Google Play

Get Started with Fincover®

Download our app and explore loans, insurance, and investments – all in one place.