Star Health Insurance

Network Hospitals:
Claim Settlement
Ratio: 89.9%
PED Coverage
Covered after 1 Year
Save Tax Under
Section 80D

About Star Health Insurance

Star Health Insurance is India's pioneering standalone health insurance provider, revolutionizing the industry since its inception in 2006. With a steadfast commitment to ensuring affordable and comprehensive health coverage, Star Health offers a wide range of insurance products for individuals, families, and corporations. With an extensive network of 830 branches across the country, Star Health has established itself as a trusted name in the insurance sector.

Star Health recognized for its customer-centric approach, the company provides policies that cover medical check-ups, AYUSH systems of medicines, critical illnesses, hospitalization expenses, and even protection against the unprecedented challenges of the coronavirus. With Star Health Insurance, individuals and organizations alike can enjoy peace of mind knowing that their health and well-being are safeguarded by a leading insurance provider dedicated to excellence and quality service.

Star Health Insurance Plans Summary

Star Health Insurance offers a comprehensive range of plans that provide coverage against various diseases and illnesses. Here are the top 5 plans offered by Star Health:

  1. Star Family Health Optima Policy: This family floater health insurance plan offers coverage for the entire family under a single sum insured. It includes expenses related to air ambulances, pre-hospitalization, post-hospitalization, and other costs. The policyholders can choose a sum assured ranging from Rs. 1 lakh to Rs. 25 lakhs based on their specific needs.
  2. Star Comprehensive Health Insurance Policy: Designed for individuals aged between 3 months and 65 years, this plan provides comprehensive coverage without any sub-limits or capping. It covers expenses related to medical consultation, domiciliary hospitalization, daycare treatment, and more.
  3. Star Medi Classic Insurance Policy: This individual health insurance policy safeguards policyholders against hospitalization costs resulting from illness, disease, or accidents. Coverage is available for individuals aged between 5 months and 65 years. The plan includes features such as daycare treatments, health check-ups, non-allopathic treatments, in-patient hospitalization coverage, and ambulance charges.
  4. Star Senior Citizens Red Carpet Health Insurance Policy: Specifically designed for senior citizens, this policy offers lifelong renewability and can be purchased on an individual or floater basis. The policyholder's age should be between 60 and 75 years. Coverage includes pre-hospitalization, post-hospitalization, health check-ups, and more.
  5. Young Star Insurance Policy: Available for individuals or families on a floater basis, this plan offers a minimum sum assured of Rs. 3 lakh and a maximum of Rs. 1 crore. It covers expenses related to in-patient hospitalization, road ambulance, pre-hospitalization, and more.

With these diverse plans, Star Health Insurance ensures that individuals and families have access to tailored coverage options to meet their specific healthcare needs.

Network Hospital

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Why Choose Star Health Insurance?

Star Health Insurance is renowned as one of the premier insurance companies in India. Here are several advantages of investing in Star Health Insurance plans:

  • Round-the-Clock Assistance: Purchasing a Star Health policy grants you the convenience of anytime assistance from the dedicated customer support team. Whether you need help finding a network hospital or initiating a claim settlement process, the company's support team is available to assist you at any time.
  • Extensive Network Hospitals: With a vast network of over 14,000 hospitals, clinics, and healthcare organizations, Star Health ensures that policyholders have access to cashless treatment facilities. In the event of a medical emergency, policyholders can easily locate and visit the nearest network hospital, alleviating the burden of hefty medical bills.
  • Additional Benefits: Star Health goes the extra mile by offering add-on benefits in the form of riders, providing enhanced coverage options for policyholders. Various riders are available, including critical illness riders, premium waiver benefit riders, and more, allowing you to tailor your coverage to meet specific requirements.
  • Wide Range of Plans: Star Health Insurance provides policyholders with the flexibility to choose from a diverse selection of health insurance plans that cater to their unique needs. Options include family floater health plans, individual health plans, and group health insurance, ensuring that individuals and families can find the most suitable coverage for their circumstances.

Investing in Star Health Insurance plans grants you peace of mind, knowing that you have access to a comprehensive network of hospitals, dedicated customer support, additional coverage options, and a range of plans to suit your specific healthcare needs.

Key Features of Star Health Insurance

By opting for Star Health Insurance plans, you can enjoy the following advantages:

  • Efficient In-House Claim Settlement: With Star Health Insurance, you benefit from an efficient in-house claim settlement process that simplifies and accelerates the resolution of your claims, ensuring a hassle-free experience.
  • Lifelong Renewability: Star Health Insurance plans have no maximum age restrictions for renewals. This means that you can renew your Star Health Insurance plan at any time during your lifetime, ensuring continuous coverage and peace of mind.
  • Extensive Network of Cashless Hospitals: Star Health Insurance boasts an extensive network of over 14000 hospitals, enabling policyholders to avail cashless treatment at these network hospitals under their health insurance policies.
  • Timely Claims Settlement: Star Health Insurance prides itself on its prompt claims settlement, boasting a track record of settling 90% of received health insurance claims in less than 2 hours, providing policyholders with swift and timely support during their time of need.
  • Flexible Range of Sum Insured Options: Star Health Insurance offers a wide range of sum insured options within their health insurance plans. This flexibility allows you to choose the appropriate sum insured based on factors such as age, health history, current health condition, and the number of individuals covered under the plan, ensuring you have the right level of coverage for yourself and your family.

By selecting Star Health Insurance plans, you gain access to an extensive network of hospitals, efficient claim settlement, timely claims processing, a range of sum insured options, and the ability to renew your policy throughout your life.

Star Health Claim Settlement Ratio

The Claim Settlement Ratio of a health insurance company represents the percentage of claims successfully settled by the company compared to the total number of claims received during a financial year. It serves as an important indicator of an insurance company's efficiency in handling customer claims.

As a prudent health insurance buyer, it is essential to consider the Claim Settlement Ratio of an insurer before purchasing a plan. Here are the Claim Settlement Ratios for Tata AIG Health Insurance in the last two financial years:

Financial Year | Claim Settlement Ratio

FY 2018-2019 | 78.93%
FY 2019-2020 | 76.04%

These figures demonstrate the insurer's commitment to efficiently settling claims and providing timely support to policyholders when they need it most. TATA AIG Health Insurance stands out as a reliable and trustworthy option for individuals seeking comprehensive health coverage.

Dedicated Whatsapp Claim Assistance

Star Health Claim Process

Star Health Insurance ensures a seamless and efficient claim settlement process for its customers, maintaining an impressive claim settlement ratio of 90%, which positions it among the top insurance companies in India. Policyholders of Star Health Insurance have two options for claiming their health insurance plans: cashless claim settlement or reimbursement claim settlement.

Cashless Claim Process

  • Network Hospital: Head to a network hospital and approach the insurance desk. You can contact Star Health Insurance at 1800 425 2255/1800 102 4477 or email them at [email protected].
  • Present Your Star Health ID Card: At the hospital's reception, present your Star Health ID card, which corresponds to your health insurance policy.
  • Submit Required Documents: Provide all the necessary documents required for pre-admission investigations and consultations at the hospital.
  • Document Verification: Star Health Insurance will verify all the submitted documents before processing your claim request. In some cases, an agent may visit the hospital to verify the documents.
  • Claim Settlement: After your discharge, the network hospital will send the claim documents directly to Star Health Insurance for settlement, ensuring a hassle-free experience for you.

Reimbursement Claim Process

Choose Hospital and Receive Treatment: In this claim settlement process, you have the freedom to select the hospital of your choice. Receive the necessary treatment and pay the medical bills from your own pocket.

Complete Reimbursement Claim Form: Fill out the Star Health reimbursement claim form, ensuring all relevant sections are duly filled.

Required Documents: Attach all the necessary documents to the reimbursement claim form, which include:

  • Copy of Star Health ID Card
  • Duly filled claim form
  • Original discharge summary from the hospital
  • Pre-admission investigation and doctor's consultation papers
  • Medical reports (such as X-rays, blood tests, scans, etc.)
  • Invoices and prescriptions from the pharmacy
  • Receipts from the chemist and hospital
  • FIR and/or Medico Legal Certificate (in case of an accident)
  • Copy of KYC documents
  • NEFT details, email ID, and contact details

Verification and Claim Processing: Star Health Insurance will verify the submitted documents and process your reimbursement claim request accordingly.

Star Health Insurance prioritizes a smooth and efficient claim settlement experience for its policyholders, whether through cashless settlement at network hospitals or reimbursement for treatment at a hospital of their choice.

Rest assured that Star Health Insurance provides clear guidance on the required documents and streamlines the claim settlement process to ensure a satisfactory outcome for its customers.

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  • Customer Reviews and Ratings: features customer reviews and ratings, allowing users to gain insights from the experiences of others when choosing insurance options.
  • Streamlined Claims Process: In the event of a claim, aims to provide a streamlined and efficient claims process, ensuring customers receive the support and assistance they need during difficult times.
  • Insurance Education: offers valuable resources and educational materials to help customers understand insurance concepts, make informed decisions, and maximize the benefits of their insurance policies.

Star Health Insurance

Network Hospitals:
Claim Settlement
Ratio: 89.9%
PED Coverage
Covered after 1 Year
Save Tax Under
Section 80D
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