Star Health Insurance: Overview: Why Is it Special?
Star Health Insurance caters to 1.5+ crore clients by 2025. It is particularly famous by quick payoffs, custom plans, and there is no age limit on its lifelong renewals.
The most important Facts in 2025:
- ₹16,500 crore+ gross premiums (2024)
- More than 17,800 cashless hospitals
- 24-Hour online claim technology
- Special insurance schemes such as diabetes and elderly/cancer/etc.
Why Star Health Insurance? What are the Advantages?
End-to-end coverage products and services, convenient and tech-driven services, and personalized plans are offered by Star Health. It is one of the only few insurers that have a paperless claim service, video consultation with doctors and age limits of entry are nil.
Key Features (2025):
- Cashless hospitalisation in 24 and more hour wards/ admissions
- An average of 2 hours to process any claim
- Provision of plans at all life stages and condition
- Tax saving and free health checks
- Ayurveda, Homeopathy, Unani, Siddha coverage (in select plans)
- Automatic renewal of sum insured
- 2-4 Years Post-Existing Disease Coverage
What are Star Health Insurance Plans Key Characteristics?
Star health insurance comes accompanied with various features that provide you with all round coverage.
Key are 2025 Highlights:
- Cashless Hospitalisation: No pocket payment is required at network hospitals when under hospitalisation of over 24 hours.
- Fast Claim Settlement: The majority of claims settled in a period of 2 hours because of improved claim technology.
- Extensive Selection of Plans: Basic cover, covers on family floater, diabetes cover, elderly people cover, and critical illness cover.
- No upper age limit Lifetime renewals age of newborns starting at 5 months old.
- Pre and Post Hospital Costs: Pre hospital and post hospital covers up to 30 to 90 days.
- Day Care Treatments: more than 500 treatments including chemotherapy, dialysis, eye surgeries also included without hospitalisation.
- Personnel difference: Listed plans cover Alternative Treatments such as Ayur, Unani, Homeopathy and Siddha.
- Backdating of Sum Insured: In the event you are limited within a year, a majority of the plans auto-refill.
- Pre-existing Illness: These are covered with a waiting period of 2-4 years.
Bullet Notes of Advantages:
- Section 80D Tax Saving
- Annual free health check up at specific plans
- Includes everyone in the family including in-laws and parents
- The newborn cover and maternity cover is available
- Wide network of hospitals in all capital cities of India
Did you know?
In 2024, Star Health Insurance launched paperless claims to become the first insurance company in India to offer such service. You simply scan bills and load via mobile application.
What are the Types of Plans offered in Star Health Insurance?
What is the best Plan 2025?
Popular Plans of Star Health Insurance (2025):
| Plan Name | Suitable For | Sum Insured (2025) | Key Benefits |
|---|---|---|---|
| Star Comprehensive | Families, couples | INR 5 lakh to 1 crore INR | Maternity, newborn, OPD cover, free checkup |
| Family Health Optima | Small and large families | 1 lac to 25 lac | Low premium, reinstatement of sum insured |
| Senior Citizens Red Carpet | 60 year and above | 1 lakh to 25 lakh | No pre medical check up, pre existing illness after 1 year |
| Diabetes Safe | Patients with diabetes | 3-10 lakh | Ordinary diabetics can apply and covers the hospitalisation caused d by diabetes |
| Star Cancer Care Gold | Cancer survivors/patients | 3 lakh to 10 lakh | Cancer related treatment, lifetime renewals |
What is the Way to Mass Compare and Select Star Health Insurance Plan?
- Evaluate your budget and the sum insured required in preferences of city and hospitals.
- Plan to check the coverage of pre-existing illnesses.
- The good or bad of floater or individual plan is determined by family size and age.
- Critical illness, accident (or personal accident) benefit riders.
- To apply, visit a health insurance comparison portal, e.g., of Fincover dot com, and compare latest premiums for 2025.
Expert Insight:
Many experts say, “Take at least ₹10 lakh sum insured in 2025 due to rising medical expenses, and ensure restore benefit is included.”
What is the Process of Star Health Insurance Claim in 2025?
What Is The Procedure To Get Cashless Treatment?
The primary advantage that the majority of individuals require nowadays is cashless hospitalisation. This is the procedure of submitting a claim using Star Health:
Cashless Claims Steps:
- Star health customer care or TPA desk must be informed within 24 hours of admission in the network hospital.
- Health card / KYC should be submitted at the billing counter at the hospital.
- Hospital posts treatment information and bills on-line to Star Health.
- The claim is approved by Star Health team, and funds are paid to hospital in several hours.
- You are only charged with things not covered according to policy.
For Reimbursement (Non network hospital):
- Check yourself in, settle hospital bill, and obtain all reports.
- All bills and forms should be submitted online or on Star Health app.
- Reimbursement of the money usually takes less than 7 days.
Important Points to Note:
- Only network hospitals are cashless. Star Health is currently with 17,800 and more.
- Emergency Hospitalisation: Report to insurance not more than 24 hours.
- Scheduled: Inform 2 to 3 days prior to admission as a guarantee of cashless.
Pro Tip:
Always carry health card, Aadhar and mobile number at hand when you are admitted in the hospital.
And you did not know?
In 2024, more innovations were put forth by Star Health, namely WhatsApp claim tracking. Your phone will notify you of updates on your claims.
Which are the Inclusion & Exclusion of Star Health Insurance Policies?
What are the policies that will not cover, and cover in 2025?
Familiarizing with what is covered by your Star Health plan and what is not saves the future surprises.
Major Inclusions:
- More than 24 hour hospital bills
- Costs of pre and post hospitalisation
- Surgical operations, ICU, diagnostic, medical drugs
- Ambulance charges
- Day care therapies
- Domiciliary treatment (in some plans)
- Costs of organ donors
Common Exclusions:
- Looks based cosmetic surgery such as plastic surgery
- Dental, hearing aids, spectacles (unless accidental)
- Self mutilation, alcohol drug abuse
- Unless accident: diseases within 30 days Experiments When you are injured or find yourself with a medical condition, you may be asked to take part in an experiment. Questions There might be questions about you that the investigator will want to know before you take part in an experiment. These questions may be about your health, family, hobbies and interests.
- Pre existing diseases till waiting period is over (usually 2 to 4 years)
- Infertility, sex change, weight controlling operation
Bullet Points of Tips:
- Including a detailed list in policy document.
- Enquire on waiting time on certain diseases.
- Add riders where you require additional cover such as accident or critical illness add on.
Expert Insight:
Newly occurring illnesses mean that there will always be new exclusions relevant regarding pandemics or epidemics which are unknown announced in policy changes in 2024.
What is the Star Health Insurance Premium 2025?
What influences the calculation of premiums?
Star Health Insurance premium varies with many factors:
- The family size/the age of the individual who is insured
- Cover amount or sum insured
- Health status and condition and medical history
- City/tier of residence (metro vs small town)
- Plan of type and riders chosen
- Policy tenure and free deductible
Sample Premium Table for Star Health Family Floater (2025)
| Age of Elder Member Insured | Sum | Approx Annual Premium |
|---|---|---|
| 35 years | 10 lakh | 11,200 |
| 40 years | 10,00,000 | 13,500 |
| 50 years | 10 lakhs | 17,900 |
| 60 years | 10 lakh | 26,400 |
Spare Premium Tips:
- Choose voluntary deductible to reduce the annual premium.
- Get 2 or 3 years discounts on the buy long tenure policies.
- Good health practices and no claim bonus reduces your subsequent renewals.
Did you know?
Star health rewards you with even a no claim bonus of up to 25 percent on each year of claim-free year, further escalating your cover at the same rate.
What Is the Procedure of Applying Star Health Insurance Online?
Is Star Health Insurance Present on Fincover?
One can now get health insurance from Star Health easily by applying in less than 10 minutes.
- No information on how to apply was found.
- Check out fincover dot com.
- Introduce yourself and input the basic information such as gender, age, and family members.
- Jack up the Star Health Insurance against other leading names in insurance.
- Sort filter by characteristics: cashless network, sum insured, premiums.
- Select a plan with most suitability to your need and click apply.
- Fill-in proposal, do a secure payment at payment gateway.
- Immediately you get a download of your policy, and your e card will be sent to you through mail or WhatsApp.
1. Online app “Best Things About Using the Web”:
- Real-time premium quotes, and plans
- Comparing different policies of the Star Health at one screen
- You can check the status of your application with ease
- Customer care assists you in both documentation and inquires
Expert Insight:
To get the full tax deduction under Section 80D of the financial year, you should apply online for Star Health Insurance between January to March.