Star Health Insurance
Star Health Insurance is one of India’s leading health insurance providers, offering a range of policies catering to individuals, families, senior citizens, and corporate employees. With a strong hospital network, cashless claim settlement, and unique coverage options, it is a top choice for many Indians seeking financial security against medical emergencies.
Quick
Cashless
Effective
Tax Benefit
Why buy Health Insurance through Fincover.com?
- Compare and buy: Compare policies from 50+ insurance companies
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- Free Advice: Certified insurance experts at your service.
- Secure: Your data is 100% protected.
Why Choose Star Health Insurance?
Star Health Insurance stands out due to its customer-centric approach, extensive coverage options, and hassle-free claim settlement process. Here’s why it’s a top choice:
| Feature | Star Health Insurance |
| Cashless Network Hospitals | 14,000+ hospitals across India |
| Claim Settlement Ratio (CSR) | 98.72% (as per IRDAI report) |
| Waiting Period for Pre-Existing Diseases | 12-48 months, depending on the plan |
| Lifelong Renewability | Available |
| Daycare Procedures Covered | 400+ |
💡 Pro Tip: Always check the claim settlement ratio (CSR) before choosing a health insurer. A high CSR indicates a smooth claim process and higher chances of claim approval.
Best Star Health Insurance Plans in India
Star Health offers a variety of health insurance plans tailored to different needs. Here’s a quick comparison.
| Plan Name | Sum Insured (₹) | Key Benefits | Pre-Existing Disease (PED) Waiting Period | Unique Features |
| Star Health Assure Insurance Policy | ₹5 lakh – ₹1 crore | OPD cover, daycare, alternative treatments, restoration | 3 years | No room rent capping, high sum insured |
| Star Comprehensive Insurance Policy | ₹5 lakh – ₹1 crore | Maternity cover, OPD, bariatric surgery, health check-ups | 3 years | No co-pay, no room rent limit |
| Super Star Policy | ₹5 lakh – ₹20 lakh | Covers diabetes, hypertension, dialysis from Day 1 | No waiting for specific PEDs | Specially designed for pre-existing diseases |
| Senior Citizens Red Carpet Policy | ₹1 lakh – ₹25 lakh | No pre-medical check-up, covers PED after 12 months | 1 year | Designed for 60+ age group |
| Young Star Insurance Policy | ₹3 lakh – ₹1 crore | Covers OPD, modern treatments, wellness rewards | 3 years | Tailored for 18-40 age group |
Star Health Insurance Plan
Star Health Assure Insurance Policy
Star Comprehensive Insurance Policy
Super Star Policy
Young Star Insurance Policy
Senior Citizens Red Carpet Health Insurance Policy
Family Accident Care Insurance Policy
Star Group Health Insurance
Star Women Care Insurance Policy
Super Surplus Insurance Policy
Accident Care Individual Insurance Policy
Star Travel Protect Insurance Policy
Who Should Get Star Health Insurance?
Star Health Insurance caters to different segments, ensuring customized coverage,
- Young Professionals – Need affordable coverage with OPD benefits.
- Families – Should look for family floater plans with maternity coverage.
- Senior Citizens – Need no pre-medical checkups and coverage for pre-existing diseases.
- Diabetes & Cancer Patients – Require specialized health plans.
💡 Expert Insight: If you have a pre-existing condition like diabetes or hypertension, opt for a disease-specific plan to get the best coverage without long waiting periods.
How to Calculate Star Health Insurance Premium?
Star Health Insurance premiums establish their rates by considering factors such as customer age and chosen sum insured amount together with plan type and medical background. Subscribers can access Star Health’s online premium calculator to calculate their insurance payments based on what they need.
To calculate the premium, follow these steps:
- Standards to estimate insurance costs at Star Health include the following sequence:
- You should navigate to either Star Health Insurance’s official website or Fincover.com.
- Choose your desired policy from the available options.
- Start by entering your age along with your gender while adding your medical history records.
- Select the insurance amount you need and the policy duration you want to cover.
- The tool shows an estimated premium cost after the input data has been processed.
How to Apply for Star Health Insurance through Fincover?
Fincover is a trusted online insurance marketplace that allows you to compare and purchase Star Health Insurance policies easily.
- Visit Fincover’s Website: Go to Fincover’s official website through your web browser.
- Enter Your Details: You will need to input fundamental data including your date of birth gender as well as the number of policyholders and their health records.
- Compare Plans: Multiple Star Health Insurance options matching your requirements will appear on Fincover.
- Select a Plan: Pick an insurance policy that matches both your financial situation and your medical needs.
- Fill in Personal Details: Enter your name along with contact details and the address information into the available fields.
- Upload Documents: Submit all required KYC documents through the platform.
- Make Payment: Finish payment through online methods by using net banking UPI and credit/debit card.
- Kindly once you select the plan, you will be redirected to the insurer’s website, where you will have to complete the payment
How to file a claim at Star Health Insurance?
Star Health Insurance has a simple and efficient claim process. They have two types of claim processing – cashless and reimbursement claim
How to File a Cashless Claim?
- You must receive care within a Star Health network facility.
- Show your Star Health ID card to the hospital reception staff at the time of admission.
- A pre-authorization request moves from the hospital to Star Health through their system.
- After successful approval from Star Health Insurance, the hospital directly settles the claim
How to File a Reimbursement Claim?
You have the choice to receive treatment at any medical facility.
- The first step is to pay your medical expenses and gather all hard copies of your receipts.
- Send your claim form together with supporting documents to Star Health.
- The company completes their verification process then makes payments directly to your banking account.
- Star Health maintains an impressive 96.9% claim settlement ratio to ensure quick and efficient processing
How Does Star Health Insurance Work?
When you purchase a Star Health Insurance plan, you get coverage for hospitalization expenses, doctor consultations, diagnostic tests, and surgeries. In case of an emergency:
- Choose a Network Hospital – Visit any Star Health partner hospital for cashless treatment.
- Submit Your Health Card – Present your insurance card at the hospital.
- Get Approval for Treatment – The insurer verifies and approves the claim.
- Receive Treatment Without Paying – Star Health settles the bill directly with the hospital.
- For Reimbursement Claims – If you choose a non-network hospital, pay the bill first and file for reimbursement later.
💡 Did You Know? Star Health settles 90% of cashless claims within 2 hours, making it one of the fastest claim processors in India.
Eligibility & Required Documents for Star Health Insurance
Who Can Apply?
- Indian residents aged 18-65 years.
- Families including spouse, children, parents, and in-laws.
- Senior citizens up to 75 years (for specific plans).
Documents Required
- ID Proof (Aadhaar, Passport, Voter ID)
- Address Proof (Utility Bill, Ration Card)
- Age Proof (PAN Card, Birth Certificate)
- Medical Reports (For senior citizens and pre-existing conditions)
Important: Some plans require pre-medical checkups for applicants above 45 years.
How Much Does Star Health Insurance Cost?
The premium for Star Health Insurance depends on various factors:
| Factor | Impact on Premium |
| Age | Higher age = Higher premium |
| Coverage Amount | Higher sum insured = Higher premium |
| Pre-Existing Conditions | May increase premium |
| City of Residence | Metro cities have higher premiums |
Sample Premium Calculation
| Age | Sum Insured | Plan | Annual Premium |
| 25 | ₹5 lakh | Individual | ₹5,500 |
| 35 | ₹10 lakh | Family Floater | ₹14,000 |
| 60 | ₹5 lakh | Senior Citizen Plan | ₹22,000 |
Money-Saving Tip: Opt for a higher deductible to reduce your premium amount while still enjoying comprehensive coverage.
Tax Benefits Under Section 80D
Star health insurance policies offer tax deductions under Section 80D.
| Who is Insured? | Maximum Deduction |
| Self, Spouse & Children | ₹25,000 |
| Parents (Below 60 years) | ₹25,000 |
| Parents (Above 60 years) | ₹50,000 |
| Family + Senior Citizen Parents | ₹75,000 – ₹1,00,000 |
Example: If you pay ₹40,000 for family insurance and ₹50,000 for senior citizen parents, you can claim ₹90,000 in tax deductions!
Star Health Insurance: Inclusions vs Exclusions
| Inclusions (What’s Covered) | Exclusions (What’s Not Covered) |
| Hospitalization Expenses (Room rent, ICU, nursing charges) | Pre-Existing Diseases (During the waiting period) |
| Pre & Post-Hospitalization (30-60 days before and after hospitalization) | Cosmetic & Aesthetic Treatments (Plastic surgery, unless medically necessary) |
| Daycare Procedures (400+ treatments that don’t require 24-hour hospitalization) | Self-Inflicted Injuries (Intentional harm, suicide attempts) |
| Ambulance Charges (Up to a specific limit) | Substance Abuse (Injuries due to alcohol or drug misuse) |
| Domiciliary Treatment (Home-based treatment if hospitalization isn’t possible) | Dental & Vision Care (Unless caused by an accident) |
| Organ Donor Expenses (Surgery and hospitalization costs) | Maternity & Newborn Cover (Unless covered in specific plans) |
| AYUSH Treatment (Coverage for Ayurveda, Yoga, Unani, Siddha, and Homeopathy in select plans) | War or Terrorism-related Injuries |
| Mental Health Coverage (In select plans) | Congenital Diseases (Unless specified) |
| Vaccination & Preventive Health Checkups (In select plans) | Alternative Treatments (Unproven therapies not recognized by medical science) |
| COVID-19 Coverage (For hospitalization due to COVID-19) | HIV/AIDS & Related Conditions (Unless specified in the policy) |
How to Renew Star Health Insurance?
Online renewal of Star Health Insurance policies requires just a few minutes to complete.
- Customers can conduct policy renewals through both Star Health Insurance website and Fincover.com.
- Select the “Renew Policy” option from the website.
- Use your policy number along with your registered information for access.
- Review your current policy documentation while considering any required plan changes.
- You can pay the renewal premium through the online payment methods available.
- Read your updated insurance policy by email. Policyholders should renew their policies ahead of schedule to prevent their coverage from lapsing.
Star Health Insurance Customer Care Details
| Contact Method | Details |
| Toll-Free Number | 1800 425 2255 / 1800 102 4477 |
| Customer Care Email | support@starhealth.in |
| SMS Support | Send ‘STAR’ to 56677 |
| Official Website | www.starhealth.in |
| WhatsApp Support | +91 94972 72727 |
| Registered Office | Star Health and Allied Insurance Co. Ltd., 1, New Tank Street, Valluvar Kottam High Road, Nungambakkam, Chennai – 600034, Tamil Nadu, India |
| Grievance Redressal | gro@starhealth.in |
| Social Media |
Pro Tip: For quick responses, use their toll-free number or WhatsApp support. For claim-related queries, keep your policy number handy to speed up the process.
Frequently Asked Questions on Star Health Insurance
1. Does Star Health Insurance cover pre-existing diseases?
The coverage of pre-existing conditions comes with a standard waiting term that lasts between two and four years under different policy plans.
2. What is the waiting period for Star Health Insurance?
The base waiting period on regular policies amounts to 30 days yet specific treatment requirements and pre-existing diseases enforce waiting periods between 2 and 4 years.
3. Can I buy Star Health Insurance online?
You can both evaluate and acquire Star Health Insurance coverage policies through an insurance aggregator site like Fincover.com or directly from the Star Health Insurance website.
4. How do I cancel my Star Health Insurance policy?
You should contact Star Health customer care for policy cancellation procedures. The company will process a refund according to the policy statement conditions.
5. Is Star Health Insurance cashless?
Yes, you can receive cashless treatment from any of its 14000+ network hospitals
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1 Crore Health Insurance Plan
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