Young and healthy? Find out which of these plans rewards you with lower premiums. Click here to check now!

Star Health Insurance Premium Calculator Online 2025

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.

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

Young and healthy? Find out which of these plans rewards you with lower premiums. Click here to check now!

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 21 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.

Over to You

Health emergencies don’t come with a calendar invite. Whether you're planning for your own future or looking out for your parents, choosing the right health insurance plan can make all the difference. That’s where a deeper look at the fine print helps. When you compare Star Health’s Red Carpet Plan vs Care Health Enhance Plan, what you’re really doing is choosing the kind of financial backup you want in your corner.

The Star Health Red Carpet Plan is made with senior citizens in mind. With benefits like annual preventive check-ups, it helps you or your ageing parents get covered without the usual hassles. On the other hand, the Care Health Enhance Plan acts as a top-up cover, ideal if you already have a base health policy and want to increase your shield without increasing your premium by too much.

While health insurance takes care of medical needs, don’t forget to plan for life’s bigger what-ifs. A term Insurance policy, especially a 1 crore term insurance plan, can be the long-term security net your family needs. Health and life coverage go hand in hand. And when chosen right, they help you face the future with confidence, not chaos.

Speak to an Advisor

Other Health Insurance Products

Health Insurance Claims

COVID-19

Choose from India’s top insurers

Latest Post

Common Pitfalls You Must Avoid While Purchasing Health Insurance?

Health insurance plans are purchased with the hope of medical protection in times of need. However, sometimes it ends up being a source of surprise and disappointment. This mostly happens when people rush to buy health insurance plans, often overlooking essential aspects. Ignoring waiting period clauses, misunderstanding exclusions, and being unaware of sub-limits can lead to unwanted problems in the future.

See now

List of Best Term Insurance Companies in India 2025

Term insurance is an important investment. However, with the availability of so many insurers offering term plans, it becomes difficult to select the best term plan to suit your needs. Buying a term plan needs some consideration and research on the part of the policyholder. In this post, let us discuss the best term insurance providers in India.

See now

Life Insurance Options for Senior Citizens Above 65 Years

If you think of life insurance, chances are you are picturing something people buy in their 30s or 40s. But what if you are 65 or older and just getting started? The good news is that you are never too late. Whether you are thinking of easing the financial burden on your family, covering final expenses, or simply leaving behind a legacy, there are life insurance options tailored just for you.

This article will be a guide to life insurance for senior citizens above 65 years, explaining why it is important, the type of insurance options, and how to get the right policy for you.

See now

Choosing the Best Child Health Insurance Plan for Your Little One

As any parent will tell you, kids come with two things: endless energy and absolutely no sense of self-preservation. From scaling chairs and tables like mountaineers to catching germs within a five-mile radius, kids really know how to keep everyone on their toes. Now, it is understandable you are worried. As much as we would love to wrap our small ones in cotton wool and keep them safe forever, real life has other plans.

See now