Cover Your Health in 5 mins
Compare Premium. Buy Now.
* Subject To Underwriting
sta health insurance inner
 Call to Expert
+917304332968
 Chat on Whatsapp
+917304332968

Compare
Individual Health Insurance Plans

Pincode is required. Pincode should be 6 digits. Pincode should be 6 digits.Only numbers are allowed.
Old quotation number is required. Invalid quotation number.Sample: PIBLHEL000000000000000000
  • {{r.Name}}
Insured Age Required.

Star Health Insurance

Founded in the year of 2006 and headquartered in Chennai, Tamil Nadu, Star Health & Allied Insurance Co Ltd is the first IRDA licensed stand-alone health company. The company promises to cater to the needs of every person, be it individual, family floater, or be it senior citizen through its specially designed client-oriented health insurance plans with varied benefits and add-on covers. 

This company is very popular among the policy-seekers as it comes up with different health plans ranging from health insurance, personal accident insurance to travel insurance and its claim settlement process is very smooth and hassle-free.

Key Highlight of Star Health Insurance

In the table below, here are a few highlights about the company.

Incurred claim ratio (in the financial year of 2019-2020)65.91
Number of policies sold (in the financial year of 2019-2020)4,462,963
Network hospitals11,000 +
Awards Received (In 2020, 2019, 2018)
  • Most Innovative New Product of the Year at ASSOCHAM’S Insurance E-Summit and Awards 2020.
  • Best BFSI Brands 2019 by Economic Times
  • Best Insurance Provider of the Year at Business Today, Money Today Financial Awards 2018-2019.
  • Health Insurance Provider of the Year Silver Award by Outlook Money Awards 2018.
  • Best Insurance Provider of the Year at Business Today, Money Today Financial Awards 2017-2018.

Star Health Insurance Plans

Star Health Insurance Company offers multiple types of health insurance plans to cater to the individual needs of its consumers. Not only you can get a health plan for yourself but also under this company, you can protect your family, senior citizens and even get protection against Covid-19. Have a look at the below table to get an idea about its plans.

Type of planStar Health Plans
Senior Citizen Health InsuranceSenior Citizens Red Carpet Health Insurance Policy
Family Floater Health InsuranceStar Comprehensive Insurance Policy
Family Health Optima Insurance Plan
Star Health Gain Insurance Policy
Star Care Micro Insurance Policy
Star Family Delite Insurance Policy
Individual Health InsuranceMedi Classic Insurance Policy
Star Hospital Cash Insurance Policy (Daily Cash)
Individual and Floater Health InsuranceStar Micro Rural and Farmers Care
Star Outpatient Care Insurance Policy
Young Star Insurance Policy
Arogya Sanjeevani Policy
Critical Illness PlanStar Cardiac Care Insurance Policy
Star Cancer Care Gold Policy (Pilot Product)
Star Criticare Plus Insurance Policy
Star Special Care
Star Cardiac Care Insurance Policy Platinum
Star Cancer Care Platinum Insurance Policy
Top-up PlanStar Super Surplus Insurance Policy
Diabetes Specific Insurance PlanDiabetes Safe Insurance Policy
Corona Specific PolicyStar Novel Coronavirus (nCoV) (Covid-19) Insurance Policy (Pilot Product)
Corona Rakshak Policy
Corona Kavach Policy

Features & Benefits Of Star Health Plans

Have a look at the key features of the plan briefly.

1. Senior Citizens Red Carpet Health Insurance Plan

This policy financially safeguards the people who are above the age of 60 years by taking care of their medical expenses and provides them with a secure retired life.

Eligibility criteria:

Entry age

Minimum – 60 years

Maximum – 75 years

Policy term1/2/3 years
RenewalLifelong renewal facility
Sum insured1 lakh / 2 lakhs / 3 lakhs / 4 lakhs / 5 lakhs / 7.5 lakhs / 10 lakhs / 15 lakhs / 20 lakhs / 25 lakhs

Key benefits of the plan:

  • Pre-insurance medical test is not required.
  • The policy covers pre-existing diseases from the second year onwards.
  • The policy can be issued both on Individual and Floater Basis
  • Outpatient consultation in-network hospitals cover is available.
  • Cost of the Health Checkup is compensated.
  • The facility of constant premium with lifetime renewals is available under this policy.

2. Star Comprehensive Insurance Policy

This policy is specially crafted for the people who have suffered a heavy financial loss due to hospitalization or any medical emergency. As the name suggests this policy offers you comprehensive, complete economic protection and takes care of your health. This plan is available both on a floater and individual basis.

Eligibility criteria:

Entry age

Adults – 18 years to 65 years

Dependent Children – 3 months to 25 years

RenewalLifelong renewal available
Exit ageNo upper limit
Sum insured5 lakhs to 1 crore

Key benefits of the plan:

  • If the insured is hospitalized for a minimum period of 24 hours, the policy takes care of the medical expenses incurred to him. These expenses include room rent (Private Single A/C room), nursing and boarding charges, Surgeon, Anesthetist, Medical Practitioner, Consultants, Specialist Fees, Cost of Medicines and Drugs.
  • The facility of Road Ambulance at the time of emergency transportation to a hospital is available.
  • Air Ambulance Benefit expenses up to Rs.2,50,000 per hospitalization, not exceeding Rs.5,00,000 per policy period are available.
  • Pre and Post-hospitalization expenses are covered up to certain days.
  • Outpatient consultation (other than dental) expenses up to certain limits as mentioned in the policy wordings is available.
  • Expenses that occurred due to delivery and for the treatment of the newborn are covered.
  • Organ donation expenses are covered.
  • AYUSH cover is available.

3. Star Super Surplus Insurance Policy

Keeping in mind the varied needs of individuals this plan comes with two variants – Silver and Gold. You can avail of the higher sum insured without burning your whole pocket for the premium that offers you to cover the daily medical expenses that might incur you due to hospitalization.

Eligibility Criteria:

Entry age

Adults – 18 years to 65 years

Dependent children – 91 days to 25 years

Exit ageNo upper limit
RenewalLife long renewal
Policy period1 year

Key benefits of the plan:

  • Surgeon’s fees, Consultant’s fees, Anesthetist and Specialist’s fees, Anesthesia, Blood, Oxygen, ICU Charges, and Operation Theatre charges, Cost of Pacemakers are covered under this policy.
  • Coverage for Modern treatment, up to the limits mentioned in the policy is provided.
  • Long-term and installment facility is available.
  • In-Patient Hospitalization Expenses such as Room, Boarding, and Nursing expenses are covered. It is subject to a maximum of Rs.4,000/- per day under the Silver Plan.

4. Family Health Optima Insurance Plan

As the name suggests, it is a family floater health policy, you can insure your entire family (up to a certain member limit) under a single sum insured under Family Health Optima Insurance Plan at an affordable premium cost. The plan comes with several benefits and promises to safeguard your family financially at the time of a medical emergency.

Eligibility Criteria:

Entry age

Adults – 18 years to 65 years

Dependent children – 16th day to 25 years

RenewalBeyond 65 years, it can be renewed lifetime.
Sum insured3 lakhs, 4 lakhs, 5 lakhs, 10 lakhs, 15 lakhs, 20 lakhs, and 25 lakhs

Key benefits of the plan:

  • Room, boarding, and nursing expenses, Surgeon, Anesthetist, Medical Practitioner, Consultants, Specialist Fees, Oxygen, Operation Theatre Charges, ICU charges, Diagnostics, imaging modalities and Medicines and Drugs, Oxygen, Blood, and Cost of pacemaker all are covered under a specified limit.
  • The facility of Road Ambulance is available in case of emergency transportation from one hospital to another up to certain specified limits.
  • Air Ambulance charges up to 10% of the Sum Insured during the entire policy period.
  • Organ Donor Expenses Cover is available up to 10% of the Sum Insured or Rupees One lakh, whichever is less.
  • Emergency Domestic Medical Evacuation is available up to the limits.
  • The insured will be reimbursed up to Rs.5,000 for the repatriation of the mortal remains of the insured person to his/her residence.
  • AYUSH treatment is available.

5. Medi Classic Insurance Policy (Individual)

This plan offers coverage to the insured for illness/disease/sickness and/or accidental injuries and thus helps to maintain the financial wellbeing at the time of medical eventualities.

Eligibility Criteria:

Entry age

5 months to 65 years

Under the Gold plan – 16th day to 65 years

Policy term1/2/3 years
Sum insured

Rs.1.5 lacs, Rs.2 lacs, Rs.3 lacs, Rs.4 lacs, Rs.5 lacs, Rs.10 lacs and Rs.15 lacs.

Under Gold Plan: Rs.3 lacs, Rs.4 lacs, Rs.5 lacs, Rs.10 lacs, Rs.15 lacs, Rs.20 lacs and Rs.25 lacs

Key benefits of the plan:

  • Room, Boarding, and Nursing expenses are covered, 2% of sum insured subject to a maximum of Rs. 5000/-
  • Room, boarding, nursing expenses for sum insured of Rs. 3,00,000/- and Rs. 4,00,000/- is payable up to 5000/- per day and Above Rs.5,00,000/- Private Single A/c Room. This facility is available under the Gold Plan.
  • Expenses that occurred due to cataract treatment are covered under this policy.
  • If the insured person is diagnosed with a psychiatric or psychosomatic disorder for the first time and hospitalized for a minimum period of 5 consecutive days under this policy, then the Company will pay hospitalization expenses up to Basic Sum Insured.
  • Cost of Health Check-up once after a block of every four claim-free years. This benefit is available for a sum insured of Rs. 2,00,000/- and above only.

6. Star Health Gain Insurance Policy

This policy is designed to cater to the different needs of individuals. This plan can be customized or chosen according to your required and convenient sum insured and family size and pay the premiums accordingly without burdening your pocket.

Eligibility criteria:

Entry age91 days to 65 years
Policy term1 year
Sum insured type optionsIndividual and Floater
Sum insuredI lakh to 5 lakhs

Key benefits of the plan:

  • Room, Boarding, Nursing Expenses up to 1% of sum insured per day are covered.
  • Ambulance charges up to Rs. 750/- per hospitalization and Rs.1500/- per policy period are compensated.
  • Expenses for Surgeon, Anesthetist, Medical Practitioner, Consultants, Specialist Fees, Cost of Medicines and Drugs are covered under this policy.
  • Unutilized benefits in a policy year can be carried forward to immediately succeeding renewal year. This falls under the category of outpatient benefit.
  • Coverage for certain specified modern treatments is available.

7. Diabetes Safe Insurance Policy

Diabetes is a common yet dangerous ailment for individuals. This plan is specially designed for people who are suffering from Type I and Type II diabetes that usually standard health plans do not cover. For the convenience of the policy-seekers, this plan comes with two variants, namely Plan A and Plan B so that one can choose according to his/her requirements.

Eligibility criteria:

Entry age18 years to 65 years, with Type 1 & Type 2 diabetes
RenewalLife long
Policy term1, 2, 3 years
Sum insured3 lakhs – 10 lakhs

Key benefits of the plan:

  • The expenses are covered that have incurred due to the hospitalization of the insured for the Covers Hospitalization for the complications of diabetes.
  • Expenses of Room, Nursing and Boarding Charges, Surgeons fees, Anesthetist, Drugs, and medicines are provided.
  • Out-Patient Expenses like costs of Medical Consultation, Expenses for Diagnostic tests are covered up to pre-specified limits.
  • Premium can be paid Quarterly and Half Yearly, Annually, Biennial (once in 2 years), and Triennial (once in 3 years).
  • Compensation for the Accidental Death of the insured person is provided.
  • Donor expenses for Kidney Transplantation Surgery and Dialysis expenses Rs. 1000 per sitting payable up to 24 months are covered.

8. Star Cardiac Care Insurance Policy

This is a critical illness plan specifically related to heart diseases. For those people who are diagnosed with cardiac diseases and have undergone heart surgeries like Percutaneous Transluminal Coronary Angioplasty (PTCA), Coronary Artery Bypass Graft (CABG), Atrial Septal Defect (ASD), or Ventricular Septal Defect (VSD) and some others, this plan is ideal for them.

Eligibility criteria:

Entry age10 years to 65 years
Policy tenure1/2/3 years
Sum insured typeIndividual
Sum insured3 lakhs and 4 lakhs

Key benefits of the Plan:

  • After a waiting period of 90 days, this policy covers treatments relating to Cardiac diseases.
  • If the insured patient is hospitalized for a minimum period of 24 hours, the expenses that occurred due to the medical treatments are covered under this policy. These expenses include room, nursing, and boarding charges, Surgeon, Anesthetist, Medical Practitioner, Consultants, Specialist Fees, Oxygen, Blood, Operation Theatre, Diagnostics, imaging modalities, Cost of Medicines and Drugs.
  • All day-care treatment expenses are covered.
  • Pre-Existing Diseases / Illness are covered after 48 months of continuous coverage
  • The limit of the outpatient benefit is Rs.500/- per event subject to a maximum of Rs.1500/- per policy period.

9. Star Cancer Care Gold Policy (Pilot Product)

This is a cancer-specific plan. If you are diagnosed with cancer (Type 1 & Type 2) and have undergone the treatments for it, this plan will protect you financially by covering the medical expenses. Even if you are cured of cancer, still this plan will be there to protect you from the risks of recurrence of cancer.

Eligibility criteria:

Entry age5 months to 65 years
Sum insured3 lakhs and 5 lakhs
Sum insured typeIndividual
Policy tenure1 year

Key benefits of the plan:

  • Room (Single Standard A/c), Boarding, Nursing expenses as provided by the Hospital / Nursing Home Costs, expenses relating to hospitalization will be compensated up to the certain specified limit.
  • Surgeon, Anesthetist, Medical Practitioner, Consultants, Specialist Fees, Anesthesia, Blood, Oxygen, Operation Theatre Charges, Surgical Appliances, Medicines and Drugs, etc expenses are covered.
  • Emergency Ambulance up to a sum of Rs. 1,500 per hospitalization and an overall limit of Rs. 2,000/- per policy period is available.
  • Expenses incurred due to all daycare procedures are compensated.
  • An indemnity cover of Rs. 50,000 to s. 1 lakh is provided for non-surgical and non-interventional therapy of cancer is offered.
  • Coverage for the modern treatments is also compensated which is subject to the company’s Terms and Conditions.

10. Star Care Micro Insurance Policy

This health policy can cover the insured as well as his entire family under a single sum insured at an affordable single premium. It provides comprehensive health protection to the policyholders and his/her family.

Eligibility criteria:

Entry age

Adults – 18 years to 65 years

Dependent children – 2 years to 25 years

RenewalBeyond 65 years, this plan can be renewed lifetime
Sum insured for Floater Plan1 lakh

Key highlights of the plan:

  • The policy can be availed of on a floater and individual basis in Tier 1 and Tier 2 places.
  • The hospital cash benefit is provided if the insured is hospitalized in a government hospital.
  • ICU charges are compensated up to Rs. 2000. It is subject to a maximum limit of Rs. 10,000 per hospitalization.
  • SCMIP benefits such as medical management (both in case of major and other diseases), cataracts, major and minor surgeries, accidental grievous injuries are offered up to certain specified limits.
  • Road ambulance charges for emergency medical transportation are provided up to the limit of Rs. 500 per hospitalization.

11. Star Criticare Plus Insurance Policy

Star Criticare Plus Insurance Policy is a form of health plan that is designed to offer compensation for the hospitalization costs arising out of illness, disease, sickness, or accidental injuries. The policy also promises to pay a lump-sum amount if the insured person is diagnosed with some major illness that is already listed in the Policy Wordings for the first time during the policy period.

Eligibility criteria:

Entry ageAdults – 18 years to 65 years
Policy typeIndividual plan
Exit ageNo upper limit
RenewalBeyond 65 years, lifelong renewal

Key highlights of the plan:

  • The cover is offered for specified critical illnesses.
  • Reimbursement is also provided for non-allopathic treatments that are subject to the Terms and Conditions of the company.
  • A lump sum amount is paid in case of the diagnosis of certain critical illnesses for the first time.
  • Cover for modern treatment is also available under this policy, subject to T&C of the company.
  • Expenses for specific day-care procedures are covered with certain upper limits.

12. Star Family Delite Insurance Policy

This policy offers optimal health coverage to the entire family (self, spouse, dependent children) under a single amount at an affordable premium cost.

Eligibility criteria:

Entry age

Adults – 18 years to 65 years

Dependent children – 5 months to 25 years

Exit ageNo upper limit
RenewalLifelong renewal

Key highlights of the plan:

  • Hospitalization cover is available including the costs of room rent, nursing and boarding charges, Surgeon, Anesthetist, Medical Practitioner, Consultants, Specialist Fees, Cost of Medicines and Drugs if the insured is hospitalized for a minimum period of 24 hours.
  • Pre and post-hospitalization expenses are covered up to certain specified limits and days.
  • Costs of specified day-care procedures are compensated by the insurer.
  • The road ambulance costs are covered for emergency transportation from one hospital to another, subject to a specified limit.

13. Star Special Care

Star Special Care is a unique critical illness plan that is designed to provide cover to the children who are diagnosed with Autism Spectrum Disorder.

Eligibility criteria:

Entry age3 years to 25 years
Policy term1 year
Sum insured3 lakhs
Sum insured typeIndividual

Key highlights of the plan:

  • There is no requirement of pre-acceptance of medical checkups.
  • Room, boarding, nursing expenses during the hospitalization are covered up to the limit of Rs.5,000 per day.
  • Fees of Surgeon, Anesthetist, Medical Practitioner, Consultants, Specialist, costs Anesthesia, Blood, Oxygen, Operation Theatre Charges, Surgical Appliances, Medicines, and Drugs, etc are offered under this policy.
  • SSC benefits such as Adeno Tonsillectomy, Hospitalization for Treatment of Seizures and fractures requiring surgery, Behavioral Therapy, Physiotherapy, Occupational Therapy, and Speech Therapy, etc are provided up to certain limits.

14. Star Micro Rural and Farmers Care

This policy is specially designed for the people who hail from the rural areas and for those who are farmers. Keeping in mind all their needs, this policy is made to provide them financial protection at the time of medical emergency.

Eligibility criteria:

Entry age

Adults – 18 years to 65 years

Dependent children – 12 months to 25 years

Policy term1 year
Sum insured

For individuals – Rs. 1 lakh

For floater – Rs. 2 lakhs

Premium installment facilityQuarterly, half-yearly, and annually

Key highlights of the plan:

  • The policy reimburses for all day-care procedures.
  • Medical expenses during the time of hospitalization are covered such as Anesthesia, blood, oxygen, operation theatre charges, expenses of surgical appliances, medicines and drugs, diagnostic materials and X-ray, dialysis, chemotherapy, radiotherapy, and some more.
  • There is no requirement of pre-acceptance of medical screening for availing of the policy.
  • During hospitalization Room, boarding, and nursing expenses are covered up to 1% of the Sum Insured per day.
  • Coverage for modern treatment is available, subject to policy’s Terms and Conditions.

15. Star Hospital Cash Insurance Policy

This policy is made to provide additional coverage to the insured and also incidental expenses that occur during the hospitalization and are usually not covered under a standard health insurance plan such as traveling, food, and so on.

Eligibility criteria:

Entry age

Adults – 18 years to 65 years

Dependent children – 91 days to 25 years

Policy term1/2/3 years
Plans offered

Basic Plan

Enhanced Plan

Hospital cash benefits

Basic Plan – 1000/2000/3000 (In Rupees)

Enhanced Plan – 3000/4000/5000 (In Rupees)

Key highlights of the plan:

  • This policy offers a lump sum benefit during the period of hospitalization.
  • 10 daycare procedures are covered that can be availed of the highest 5 times in a policy year.
  • Under Enhanced Plan, childbirth hospital cash benefit is available.
  • The worldwide hospital cash benefit is provided under the Enhance Plan.
  • After the waiting period of 36 months (basic plan) and 24 months (enhanced plan), pre-existing diseases are covered.

16. Star Outpatient Care Insurance Policy

This type of insurance policy is created to cover those ailments that can be treated without getting admitted to a hospital and which are not usually covered under any standard health insurance company. This cover includes doctor’s fees, costs of diagnostic tests, pharmacy bills, Physiotherapy, Non-Allopathic Treatments, Dental treatment, and some other. This is solely a standalone plan for outpatient consultation.

Eligibility criteria:

Entry age

Adults – 18 years to 50 years

Dependent children – 31st day to 25 years

Family sizeUp to 6 members
Policy term1 year
Sum insuredRs. 25000, Rs. 50000, Rs. 75000, Rs. 100000

Key highlights of the plan:

  • The plan can be availed of in three types – Silver, Gold, and Platinum.
  • Expenses of outpatient consultation in any network facility are compensated by the policy.
  • Non-allopathic treatment expenses such as costs for Ayurveda, Yoga, and Naturopathy, Unani, Siddha, and Homeopathy treatments are covered.
  • For every 2 continuous claim-free years, the insured person can avail of a 25% discount on the amount of premium at the time of renewal.
  • Dental and ophthalmic treatment expenses are also covered, subject to the company’s T&C.

17. Young Star Insurance Policy

As the name suggests, this policy is completely designed for young people to provide them financial protection at the time of medical eventualities and thus it safeguards the health of the youngsters.

Eligibility criteria:

Entry age

Adults – 18 years to 40 years

Dependent children – 91 days to 25 years (only on a Floater basis)

RenewalsLifelong renewability
Policy term1/2/3 years
Sum insured

Individual basis – 3 lakhs

Floater basis – 5 lakhs, 10 lakhs, 15 lakhs, 20 lakhs, 25 lakhs, 50 lakhs, 75 lakhs, and 1 crore

Key highlights of the plan:

  • The plan is available in two variants – Silver Plan and Gold Plan
  • Expenses arising out of any day-care procedure are compensated by the insurer.
  • Pre and post-hospitalization expenses are taken care of by the policy up to certain days.
  • The hospital cash benefit of Rs. 1000 per day for each completed day of hospitalization, up to 7 days is available only under the Gold Plan.
  • Road ambulance charges for emergency transportation from one hospital to another are covered up to a certain limit.

18. Star Novel Coronavirus (nCoV) (Covid-19) Insurance Policy (Pilot Product)

This is a corona-specific policy. If someone is hospitalized and diagnosed positive with Novel Coronavirus (nCoV) (Covid-19), this plan will protect that person financially by paying the medical expenses.

Eligibility criteria:

Entry age

Adults –18 years to 65 years

Dependent children – 3 months to 25 years

Policy term1 year
Sum insuredRs.21,000 /- and Rs.42,000/
Sum insured basisIndividual

Key highlights of the plan:

  • Pre-acceptance of medical screening is not required to avail of this policy.
  • If the insured is diagnosed positive with Novel Coronavirus and hospitalized for that, the insurer will pay the amount of sum insured that has been opted by the policyholder.
  • The waiting period is only 16 days. After that, the policy will be active to provide you with the coverage.
  • Insurance under this policy will cease upon payment of the lump-sum amount.

19. Arogya Sanjeevani Policy

This is also a corona-specific and indemnity policy that is meant to safeguard the Covid positive insured patients by providing them with the coverage for the expenses up to the sum insured, arising out of treatment procedures during the hospitalization.

Eligibility criteria:

Entry age

Adults – 18 years to 65 years

Dependent children – 1 day to 25 years

Policy typeIndividual basis
Sum insuredRs.50,000, Rs.1,00,000, Rs.1,50,000, Rs.2,00,000, Rs.2,50,000, Rs.3,00,000, Rs.3,50,000/, Rs.4,00,000, Rs.4,50,000, Rs.5,00,000

Key highlights of the plan:

  • Pre-acceptance of medical screening is not required for this policy.
  • ICU and ICCU expenses are covered by the policy.
  • The charges of Surgeon, Anesthetist, Medical Practitioner, Consultants, Specialist, and the cost Anesthesia, blood, oxygen, operation theatre charges, surgical appliances, ventilator charges, medicines and drugs, costs towards diagnostics, diagnostic imaging modalities, PPE Kit, gloves, mask and some more are covered.
  • Home care treatment expenses taken in a government hospital are covered for up to 14 days.
  • AYUSH treatment cover is available.
  • The hospital daily cash benefit of 0.5% of the sum insured is available for each completed day of continuous hospitalization up to a maximum of 15 days per policy period.

20. Corona Rakshak Policy

This is a dedicated policy to fight against the contagious coronavirus for those people who are Covid positive. It provides a lump-sum amount that is equal to 100%of the sum insured.

Eligibility criteria:

Entry age18 years to 65 years
Policy typeIndividual basis
Policy term105 days, 195 days, 285 days
Sum insuredRs.50,000, Rs.1,00,000, Rs.1,50,000, Rs.2,00,000, Rs.2,50,000

Key highlights of the plan:

  • There is no requirement of pre-acceptance of medical screening for availing of this policy.
  • If the insured person is diagnosed with Covid positive and requires hospitalization for a minimum continuous period of 72 hours, then the insurer will pay the lump sum amount that is equal to 100% of the sum insured opted by the insured.
  • The waiting period of this plan is only 15 days. After that, the policy will be active to offer you the benefits.

21. Corona Kavach Policy

This is also a corona-specific and indemnity policy that is meant to safeguard the Covid positive insured patients by providing them with the coverage for the expenses up to the sum insured, arising out of treatment procedures during the hospitalization.

Eligibility criteria:

Entry age

Adults – 18 years to 65 years

Dependent children – 1 day to 25 years

Policy typeIndividual basis
Sum insuredRs.50,000, Rs.1,00,000, Rs.1,50,000, Rs.2,00,000, Rs.2,50,000, Rs.3,00,000, Rs.3,50,000/, Rs.4,00,000, Rs.4,50,000, Rs.5,00,000

Key highlights of the plan:

  • Pre-acceptance of medical screening is not required for this policy.
  • ICU and ICCU expenses are covered by the policy.
  • The charges of Surgeon, Anesthetist, Medical Practitioner, Consultants, Specialist, and the cost Anesthesia, blood, oxygen, operation theatre charges, surgical appliances, ventilator charges, medicines and drugs, costs towards diagnostics, diagnostic imaging modalities, PPE Kit, gloves, mask and some more are covered.
  • Home care treatment expenses taken in a government hospital are covered for up to 14 days.
  • AYUSH treatment cover is available.
  • The hospital daily cash benefit of 0.5% of the sum insured is available for each completed day of continuous hospitalization up to a maximum of 15 days per policy period.

22. Star Cardiac Care Insurance Policy (Platinum)

This is a special health insurance plan that aims to provide cover to those who have taken treatment for cardiac ailment in the past and have also undergone surgical intervention or procedure for Cardiac ailments.

Eligibility criteria:

Entry age7 years to 70 years
RenewalLifelong
Policy term1/2/3 years
Sum insuredRs.5,00,000, Rs.7,50,000, Rs.10,00,000, Rs.15,00,000.

Key highlights of the policy:

  • Room, Boarding, and Nursing Expenses are provided, along with all day-care procedures and it is applicable for Accident, Non-cardiac, and Cardiac ailments.
  • The fees of the Surgeon, anesthetist, medical practitioner, consultants, specialist and the costs of Anesthesia, blood, oxygen, operation theatre charges, ICU Charges, surgical appliances, medicines and drugs, diagnostic materials are covered for Accident, Non-cardiac and Cardiac ailments.
  • For cardiac devices, the expenses are covered up to 50% of the sum insured.
  • In the case of heart transplantation, the cost of transporting the heart is covered up to 200% of the basic sum insured.
  • If the outpatient treatment is received within India in a network hospital, the expenses it is also covered by the policy.

23. Star Cancer Care Platinum Insurance Policy

It is a cancer-specific plan that provides coverage to the insured individuals diagnosed with cancer for the medical expenses arising out of the treatments of cancer and non-cancer ailments.

Eligibility criteria:

Entry age5 months to 65 years
Policy term1 year
Policy typeIndividual basis
Sum insuredRs.5,00,000, Rs.7,50,000 and Rs.10,00,000

Key highlights of the plan:

  • Health check-up benefit is available up to Rs. 2500 per claim free year.
  • The insured person can avail of several wellness services such as Diet and Nutrition Programme, Weight Management Programme, and Specialist Consultation.
  • The insured will be paid a lump sum amount if he/she suffers a recurrence, metastasis, and/or malignancy unrelated to first cancer.
  • Different expenses during the hospitalization are covered like fees of Surgeon, Anesthetist, Medical Practitioner, Consultants, Specialists, costs Anesthesia, Blood, Oxygen, Operation Theatre Charges, ICU charges, Surgical Appliances, Medicines and Drugs and some more.

Why should you buy health insurance from Star Health?

Star Health and Allied Insurance is a popular health insurance provider for nearly 15 years. It has been servicing its clients faithfully with expertise in this field. You can choose this company for multiple reasons. Let’s have a look below to understand why Star Health is a smart choice.

  • Smooth claim settlement process – The claim settlement process under Star Health Insurance is not only hassle-free but also an in-house settlement process is also available with them. They promise to settle the cashless claim within just 2 hours. Their claim settlement ratio is also higher than many other companies. So, once you purchase any policy from them, you need not worry about your claim process.
  • Variety of plans – They have come up with 23 types of health plans and also always keep themselves updated with the various needs of the individuals. From this wide range of health plans, one can easily choose his/her desired one(s) according to their convenience and requirements.
  • Strong network hospitals – The Company has more than 11000 network hospitals where an insured can take the treatments to avail of the cashless facility. You can easily get a network hospital within your vicinity at the time of medical emergency and also will have the choice to select the desired one.
  • Solvency ratio – If a company has a higher solvency ratio that indicates that the company has the capability to pay in case of a lump-sum claim. For Star Health Insurance, this ratio is 1.69 in the financial year of 2019-2020, which is quite higher than many other insurance companies. So, you can faith in this insurer that your claim amount will be settled without any delay.
  • Customer support – Their customer support system is very strong. Its experts are always there, just a phone call away, to resolve your query. They are there to assist you 24×7.
  • Broad network – The Company has a large network to support its customers always. It has more than 640 official branches PAN India. So, you can always find them within your vicinity.
  • Availability – The plans are mostly available both online and offline. So policy-seekers can choose any of the modes according to their convenience.

How to calculate a star health insurance premium?

By using the star health insurance premium calculator, you can easily get the premium amount that you have to pay for a specific selected plan. For this, you have to follow the below-mentioned steps.

  • Go to the official website of the Star Health and Allied Insurance Company.
  • After that go to their health insurance calculator page.
  • There you will be asked to provide different information such as
  • Date of birth
  • Your age
  • Personal details like your name, contact number, address, email ID, etc.
  • The number of members you want to insure.
  • Amount of sum insured
  • Type of the policy.
  • The age of the oldest person to be insured and so on.
  • Put all the required details and do not provide any wrong or misleading information.
  • Upon clicking the calculate button, you will get to know the premium amount.
  • In this way, you can compare different plans and then select accordingly without burdening yourself.

How can I buy health insurance from Star Health?

As the company keeps open its door both online and offline, you can purchase its policy according to your convenience.

Online process:

To avail of their online buying procedure easily follow the below mentioned steps.

  • Go to the company’s official website.
  • Click on the ‘Buy now’ option.
  • You will be asked to fill different pages with different information. Provide all the valid and right information and submit.
  • Select the desired plan and pay the premium amount for it.
  • Once the process is done you will be notified and the policy document will be sent to your registered email ID.

Offline process:

By following the below-mentioned steps you can buy their policy smoothly.

  • Go to the company’s nearest official branch and fill up the Policy Form providing the necessary information. Their experts will be there to guide you thoroughly.
  • You also call on their 24×7 customer service number that is available on their official website and you will be guided with the buying procedure.
  • You can also buy their policy through their expert agents seamlessly.

How To Renew Star Health insurance?

You can easily renew your existing policy by following the steps as follows.

  • Visit the company’s official website.
  • There you will find the ‘Renewals’ option. Click on that.
  • Then you will be asked to provide some information such as Policy Number and Date of Birth.
  • After that click on the ‘Renew Now’ option and pay the premium.
  • Once you pay it, the policy details will be sent to your registered email ID.

Claim Settlement Procedure of Star Health Insurance Plans

Under Star Health Insurance Company, you can avail of both cashless and reimbursement claims. Here lie the steps of each process.

Cashless claim settlement process

  • You can avail of the benefit of a cashless claim if you have taken medical treatments in any network hospital of the company.
  • At the time of medical emergency, intimate the insurer as early as possible and inform the hospital authority and submit a copy of your health identity card.
  • You can download the pre-authorization form from the company’s official website. Submit the duly filled and signed form.
  • Once this form is submitted, the further verification process will be started on behalf of the company.
  • If it is required the company may assign a field doctor to evaluate the situation.
  • If the claim is accepted the company will pay for the bills.

Reimbursement claim settlement process

  • If the insured has taken medical treatments in any non-network hospital, then he/she can claim for reimbursement settlement.
  • In case of any medical eventuality inform your insurer at least within 24 hours of the occurrence.
  • Upon the completion of the treatment, submit all the required documents like hospital and medical bills, discharge certificate, original necessary documents to the insurer.
  • Submit the duly filled and signed claim form.
  • The company will start the process and verify the provided information.
  • If approved, you will be notified and paid the amount of reimbursement.

Required documents for claim settlement

  • Duly filled and signed claim form.
  • Original copy of the policy.
  • Original bills, receipts, certificates received from the hospital.
  • The company assigned field doctor’s report (if any).
  • Treating doctor/surgeon/ medical practitioner’s bills/certificates.
  • Self-declaration/FIR/ MLC in case of an accident.
  • NEFT and KYC details.
  • Any other document as demanded by the company.

Star Health and Allied Insurance Company Contact Details

Address of Star Health and Allied Insurance Co Ltd:
Registered Office: No 1, New Tank Street
Valluvarkottam High Road, Nungambakkam, Chennai 600034
Ph: 044-28288800
Toll-Free Number – 1800 425 2255 / 1800 102 4477

Fax: 044-28260062

Email: Info@Starhealth.In
Website: www.starhealth.in

Frequently Asked Questions

The time company takes to close a reimbursement claim varies from case to case. Max Bupa makes every effort to handle every reimbursement claim as quickly as possible.

If you want to port your health policy from one insurer to the Star, you need to visit the nearest branch of the company and collect the proposal and portability form. Submit both the duly filled and signed form to the office along with the required documents. Also, intimate your present insurer about the same within the stipulated time.
For this, go to their official website and click on the ‘Locate Network Hospitals’ option. After that, you will be asked to provide different information such as state, city, and hospital name or pin code. After putting all the required information, click on ‘Search Button’. You can locate your nearby or desired network hospital.
You can check it online. For this, visit the company’s official website and go to the login page. Put your registered user ID and password. After that, you will be redirected to the page where you can see the status of the Star Health Policies that you have bought.

You can easily check your claim status online by visiting their official website. There you can find the ‘Claims’ option and under it, there is a ‘claim status’ option. Click on that and put your intimation number and ID card number and click on ‘Get claim status’.

No, there are no Third Party Administrators (TPA) as the company has their direct in-house claim settlement facility for seamless and hassle-free claim settlements.
You can make as many claims as you want but that should not exhaust the amount of sum insured.

The usual documents that are required are –

1. Address proof,
2. Age proof,
 3. ID proof,
4. Income proof.
5. Medical reports and other documents are demanded by the company.

Yes, you can. For certain health plans, they have introduced to pay the premiums in installments. Check that particular health plan’s policy brochure to find details.
Under Star Health Insurance, there is one policy (Star Special Care) which you can purchase for your ward separately. For other floater policies, you can cover them under either of the parents.

Star Health Plans

Health Insurers

Health Insurance FAQ's

Star Health FAQ's