Last updated on: July 21, 2025
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.
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.
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.
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.
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.
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.
Yes, it has flexible family floater plans to provide a small loading to provide cover to parents up to the age of 75 years.
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.
Feature | Star Health Assure | Other Insurers (average) |
---|---|---|
Sum Insured Range | up to 5L- 1 Crore | up to 3L- 75L |
Number of Day Care Procedures | 600+ | 400 550 |
Waiting for Pre Existing Ailment | 2 years | 3-4 years |
Hospitals in the Network | 14,000+ | 10,500 12,000 |
No claim bonus | 20 percent upto 100 | 10 percent upto 50 |
ODP Consultations | Covered up to 20K | Covered up to 5K |
Maternity Benefits | Yes | Rational |
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.
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.
Each policy bears its pros and cons. So, here goes a realistic critique of Star Health Assure:
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.
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.
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.
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.
The premiums are subject to age, sum insured, and add ons. This is a 2025 picture of a healthy non smoker:
Age Group | 5L SI | 10L SI | 25L SI | 50L SI |
---|---|---|---|---|
25 years | 6,200 | 8,900 | 14,400 | 26,000 |
35 years | 7,750 | 10,200 | 16,900 | 30,600 |
45 years | 9,200 | 12,900 | 19,100 | 33,500 |
55 year old | 14500 | 20300 | 34400 | 62900 |
Premiums are annual and are inclusive of GST. Family floater discounts: 10 percent three and above.
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.
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.
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.
The policy is adept to both salaried and self employed persons and is flexible to both the urban and semi urban clients.
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.
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.
Escalation may be carried out with Star Health Grievance Cell, contact Insurance Ombudsman, or through online IRDAI system without bias.
It selective covers AYUSH in-network government and NABH accredited hospitals only upto 25 percent of the sum insured.
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Written by Prem Anand, a content writer with over 10+ years of experience in the Banking, Financial Services, and Insurance sectors.
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.
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.
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.