Star Health Insurance Premium Calculator Online 2025
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Star Health and Allied Insurance Company Limited is engaged in offering a range of health insurance plans to customers. Some of the plans are unique in their class. The health insurance plans have a good scope of coverage benefits with affordable premium rates. There are pre-calculated health insurance premium charts as well as an online mediclaim premium calculator.
The online premium calculator lets policyholders determine the premium rate for their chosen health insurance plan before they actually buy the policy. Once the premium is calculated, the policyholders can recalculate the premium rates by changing the details entered in the calculator.
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Star Health and Allied Insurance Co. Ltd. is one of India's leading health insurance providers, known for offering a variety of health insurance plans catering to individuals, families, senior citizens, and corporate groups. Established in 2006, Star Health has built a strong reputation for its wide network of hospitals, quick claim settlements, and innovative health insurance solutions.
Features of Star Health Insurance
Feature | Specification |
Network Hospitals | Over 10,200 hospitals across India, providing extensive access to cashless treatment facilities. |
Pre-existing Diseases Waiting Period | Varies between 12 to 48 months, depending on the specific policy chosen. |
Incurred Claim Ratio (ICR) | 63%, indicating the percentage of claims settled against the total premium collected. |
Policy Renewability | Lifetime renewability, ensuring continued coverage without age restrictions. |
Why One Should Buy a Health Insurance Policy – 5 Major Benefits of Buying a Health Insurance Plan
- Financial Security
- Peace of Mind
- Quality treatment
- Increasing healthcare costs
- Tax Exemption
Things You Need to Calculate the Premium of Star Health Insurance Policies Online?
To use it, you are required to provide the following details:
- Your age
- Policy term
- Medical history
- Coverage details
- Sum insured you need
- The type of policy to buy
How to Calculate Star Health Insurance Premium using the Calculator?
The Star Health premium calculator is available on the company’s website. The following steps should be taken to calculate the premium–
- The policyholder should visit the company’s website at www.starthealth.in
- On the home page, the policyholder should select ‘Plans’
- The list of plans offered by the company would open. To view all the available plans, the individual should select ‘View all plans’
- When the list of plans opens, the policyholder should select the plan which is being considered for purchase
- On the plan’s page, the premium calculator is located on the top itself
- The policyholder would provide the details into the calculator for it to work
Why Calculate Star Health Insurance Premium Online?
- Helps you add/deduct coverage benefits and riders
- Helps you know the expense of a yet-to-buy insurance policy
- Helps you know the affordability of the insurance coverage
- Helps you make a comparison of different rates and choose a good policy
- Helps you pick the best coverage level that can suit your budget
- Helps you make sure you meet no financial strain when continuing the health insurance policy
- Helps you select the most suitable coverage benefits at the most affordable premium
How Does the Calculator Work?
For the calculator to work the policyholder should provide the following details –
- The sum insured to be chosen from a range of sum insured levels offered by the plan
- The date of birth of the insured
- The number of members required to be covered. There are separate tabs for adults and children. Under adults, only the spouse can be added and under dependent children, a maximum of two children can be covered
- The pin code of the area in which the proposer resides. The pin code gives the location which also affects premium calculations
Once all these details are entered into the calculator, the premiums payable would be displayed. The individual can also buy the plan online using the buy button available on the premium calculator.
Recommended Star Health Insurance Plans
- Young Star Insurance Policy
- Family Health Optima Insurance Plan
- Star Comprehensive Insurance Policy
- Arogya Sanjeevani Policy
- Senior Citizens Red Carpet Health Insurance Policy
- Star Super Surplus (Floater) Insurance Policy
Benefits of Choosing Star Health Insurance Policies
- In-patient hospitalisation
- Pre-hospitalisation
- Post-hospitalisation
- Domiciliary hospitalisation
- Ambulance expenses
- Day care treatments
- AYUSH treatments
- Second medical opinion
- Delivery and new-born cover
- Organ donor expenses
- Modern treatments, etc.

Author Bio
Paybima Team
Paybima is an Indian insurance aggregator on a mission to make insurance simple for people. Paybima is the Digital arm of the already established and trusted Mahindra Insurance Brokers Ltd., a reputed name in the insurance broking industry with 17 years of experience. Paybima promises you the easy-to-access online platform to buy insurance policies, and also extend their unrelented assistance with all your policy related queries and services.
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