Star Health Insurance Plans and List of Diseases Covered & Not Covered


8 min read

Updated on Oct 21, 2023

Planning to buy a Star Health Insurance Policy? If so, read on the blog below to have an understanding of the list of diseases covered under Star Health Insurance Company.

Getting diagnosed with any unforeseen critical disease can give you enough mental stress. Further, it also becomes an expensive affair to get rid of such disease without investing your almost the entire savings on it. This is because you need to go through rigorous treatment to get rid of the illness, which can be really expensive. Thus, having a Star Health Insurance plan can aid in giving you the required financial support to get well without making your pocket empty.

Let’s discuss the list of diseases covered under star health insurance in this blog.

Star Health Insurance – Overview

Star Health & Allied Insurance is one of the most prominent health insurance providers. The company has been operating in the insurance sector since 2006 and is known as one of the foremost standalone insurers in India. Star Health is known for its wide-ranging methodically designed health insurance policies. Star health plans are crafted to meet customer needs. The insurer modifies and adapts policies as per requirement.

Star Health Insurance company has a network of 14,000+ cashless hospitals across the country. With a claim settlement ratio (CSR) of 99.06% (2021-22), Star Health Insurance plans support policyholders throughout their process of getting cured of ailments with financial protection.

Star Health insurance company offers several plans for customers to choose from as mentioned below:

Star Comprehensive Insurance Star Health Family Optima Insurance
Star Senior Citizens Red Carpet Star Cancer Care Gold
Star Cardiac Care Insurance Star Criticare Plus Insurance
Star Novel Coronavirus Insurance Star Super Surplus Insurance
Star Diabetes Safe Insurance Star Outpatient Care Insurance
Star Hospital Cash Insurance Star Family Delite Insurance
Star Special Care Star Young Star Insurance
Star Health Gain Insurance Star Medi Classic Insurance
Star Care Micro Insurance Arogya Sanjeevani Policy, etc.

Plans Offered by Star Health Insurance Company

Star health insurance plans offer coverage against a range of diseases to the policyholder by incurring the expenses that arise out of any unforeseen medical condition of the policyholder as well as others covered under the policy.

Star Health and Allied Insurance Company Ltd. offers a range of different plans and policies for insurance seekers across the country. With as many as 11000 network hospitals spread across India, the insurer provides facility of cashless hospitalization to its customers across the country. Further, the insurer has a claim settlement ratio of 90% and is known to settle claims in just 2 hours.

To protect their policyholders financially against a range of illnesses, the insurer presents a wide network of health plans in the country for different diseases including several critical illnesses.

Also Read: Star Health Insurance Claim Settlement Ratio

Top Health Plans Offered by Star Health Insurance

Have a look at the Star Health Insurance Companies’ best health plans ideal for Family, Individual and Critical Diseases:

  1. Star Comprehensive Insurance
  2. Star Health Family Optima Insurance
  3. Star Novel Coronavirus Insurance
  4. Star Senior Citizens Red Carpet
  5. Star Super Surplus Insurance
  6. Star Criticare Plus Insurance
  7. Star Cardiac Care Insurance
  8. Star Cancer Care Gold
  9. Star Medi Classic Insurance
  10. Star Diabetes Safe Insurance
  11. Star Criticare Plus Insurance etc.

The Insurer offers the above and many other insurance policies under the Star Health Insurance Group. Policy seekers can choose a plan as per their requirement of coverage and other benefits available under such plans.

Also Read: Star Health Insurance Premium Calculator

List of Disease Covered by Star Health Insurance Company Health Policy

So, Below is the list of diseases covered under Star health insurance company:

  • Diabetes – This is a common yet chronic disease that increases the level of sugar in one’s blood. This lifestyle-related disease is the cause of many other illnesses like cardiovascular diseases, strokes, kidney damages, failure of heart and so on.  Under Star health plans namely the Star Diabetes Safe Insurance policy, the policyholder can get coverage against hospitalization costs of the disease that arise because of type 1, type 2 diabetes.
  • Cancer – This is again a very fatal illness that leads to growth of cells in an uncontrolled and abnormal manner across the body. These cells destroy the tissues in the body that are healthy and cause severe damage to the sick. Cancer can be of different types and you can get coverage against them under the Star Cancer Care Gold plan. This plan helps you incur the costs that might result from the various cancer treatments.
  • COVID-19 – This has become a deadly disease over the last couple of years that causes infection triggered by the virus – SARS-CoV-2. Being a very contagious and transmissible disease, it causes severe complications to your health. Pneumonia, failure of multiple organs, etc., are some of the various critical issues that this disease can lead to causing even death of the sick person.
  • Cataract – This is a disease of the eye that makes your eyes blurred and might lead to complete blindness. There are many Star Health Insurance plans that offer coverage against cataract up to a certain limit.
  • Cardiovascular Diseases – These diseases occur due to the abnormalities of blood vessels and heart. It may lead to diseases like heart failure, high BP, Stroke etc., among people. You can buy Star Criticare Plus Insurance or Star Cardiac Care Insurance policy, which offer coverage against several heart ailments.
  • Kidney Chronic Diseases – These diseases lead to loss of kidney functions and cause many other complications. It can be protected under Star Criticare Plus Insurance policy and other such plans.
  • Cerebrovascular Stroke – These diseases cause damage to the brain and its related parts and are caused due to a break in the supply of blood to the brain. Coverage can be gained through policies like Star Criticare Plus and Star Cardiac Care policies.
  • Brain Tumor –Star Criticare Plus policy covers the insured against the treatment expenses of a brain tumor.
  • Autism Spectrum Disorder – This condition is covered by Star Special Care policy which is specifically crafted to cover children diagnosed with an autism spectrum disorder.
  • Psychiatric Disorders – These disorders are related to mental illnesses and they impact the mental ability of people. These can be covered under Star Medi Classic Insurance policy.

These and many other such diseases are covered under the Star Health Insurance policies. However, there is a Star health insurance not covered diseases list also that you need to consider while purchasing the insurance from Star health company.

Also Read: Care Health Insurance vs Star Health Insurance Policy

List of Star Health Insurance Not Covered Diseases

  • Asthma
  • Bronchitis
  • Chronic Nephritis
  • Diarrhea
  • Dysenteries
  • Gastro-enteritis
  • Piles
  • Sinusitis
  • Hernia etc.

Many people generally ask – Is piles covered under Star health insurance? People have this notion that Piles is covered by the insurer. But the fact is, piles and hernia are not covered under Star health plans.

Also Read: Best health insurance company in India

Star Health Insurance Plans for Pre-Existing Diseases

PEDs or pre-existing diseases are ailments that policyholders are already suffering from at the time of buying a health insurance plan. All health insurance policies allow coverage against pre-existing diseases after a certain period of waiting time, which differs from policy to policy. The waiting period for PEDs under Star Health Insurance plans ranges between 12 to 48 months as per the plan type. Below are some policies of Star Health with waiting period:

Young Star Insurance Policy This Star Health plan covers pre-existing diseases after 12 months of being insured under the policy
Star Comprehensive Insurance Policy Under this plan, the insured has to go through a 36-month waiting period from the policy buying date to get coverage against pre-existing diseases.

However, the insured can avail of the ‘Buyback PED’ optional add-on to lower the waiting period to 12 months

Senior Citizens Red Carpet Health Insurance Policy This senior citizen policy offers coverage against pre-existing diseases for the elderly after a waiting period of 12 months
Star’s Diabetes Safe Insurance Policy This is a plan that offers protection against type I and type II diabetes for OPD and hospitalization expenses. The plan comes with two variants:

Plan A (no waiting period)

Plan B (12 months waiting period)

Benefits of Buying a Star Health Insurance Policy

There are several benefits of opting for a star health insurance policy. They cover the insured against a large number of illnesses by covering the expenses of the treatment. Mentioned below are some of the advantages of buying Star Health Insurance plans:

  • These plans allow comprehensive protection to families and individuals under the categories of individual and family floater plans
  • The sum insured available under the Star Health insurance plans goes up to 2crores
  • Star Health offers customer-centric policies
  • The insurer is known to settle claims in a hassle-free way in less than two hours
  • The wide network of over 14,000+ cashless hospitals is available for the insured to choose from for undergoing treatment
  • Star Health has qualified doctors to help with in-house claim settlement all through the year
  • Most Star Health Insurance Plans do not require the customer to go through any Pre-insurance medical screening tests compulsorily
  • The insured also receives tax benefits up to INR 1 lakh

What is the Procedure to avail of Star Health Insurance Plan Online?

Star Health insurance policy can be bought online from the official website of Paybima without any hassle by following the steps given below:

  • Go to the official portal of Paybima
  • Click on the ‘Health Insurance’ tab in the top navigation
  • You will be redirected to a page. Here, submit certain details in the blank fields like policy type, gender, desired cover amount, city, and age
  • In the second step, fill in your details like name, mobile number, and email ID.
  • Next, click on the tab of ‘Get Quotes’
  • You will see a range of Star Health and other health insurance plans
  • Choose the Star Health Insurance Policy that you like to buy
  • Make the payment of the premium online
  • You will be issued your preferred Star Health Insurance policy


Being a popular health insurance provider in the country, the Star health insurance company offers a wide range of health plans to cover a large number of illnesses. However, you must compare the various policies offered by Star health insurance company and buy the best one that suits your requirement. Also, consider the star health insurance for pre-existing diseases and the waiting period associated with it before making your decision.

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Answer a few simple questions to determine the ideal plan that suits you best at PayBima Health Advisory.

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FAQs: Star Health Insurance Plans and Diseases Covered & Not Covered

What are the diseases that are not covered by Star Health Insurance?

Below is the list of diseases not covered by Star Health Insurance plans:

# Asthma
# Bronchitis
# Chronic Nephritis
# Diarrhea
# Dysenteries
# Gastro-enteritis
# Piles
# Sinusitis
# Hernia etc.

What are the diseases that are covered by Star Health Insurance?

Below is the list of diseases covered by Star Health Insurance plans:

# Diabetes
# Cancer
# COVID-19
# Cataract
# Cardiovascular Diseases
# Kidney Chronic Diseases
# Cerebrovascular Stroke
# Brain Tumor
# Autism Spectrum Disorder
# Psychiatric Disorders etc.

Is hernia covered in Star Health Insurance policy?

No, the hernia is not covered under Star health plans.

Is piles covered under star health insurance

No, Piles is not covered under star health insurance plans.

How can I download the PDF of diseases covered by Star Health Insurance online?

To download the PDF of the list of diseases covered by Star Health Insurance, you must visit the official portal of the insurer.

Can I check the PED or pre-existing disease list of Star Health Insurance online?

Star Health Insurance covers pre-existing diseases and the list can be checked in the official portal of the insurer. However, there is a particular waiting period under each plan that the insured has to go through before getting coverage for the PED.

How Can I buy Star Health Insurance Plans from the insurer online?

To buy a policy of Star Health Insurance online from the insurer’s website, there are some simple steps to follow:

- Go to the official website of Star Health insurance
- On the home page, fill in some required details like name, pin code, and mobile number and click on ‘Get a Quote’
- The page that opens requires some other details like email ID, DOB, and policy term
- You can see a list of plans to choose from
- Make the payment online
- You will receive a copy of the policy document at your registered email ID

How to select the best health insurance plan?

To opt for the best health insurance plan, you must select a policy with the right coverage and the right type of plan (family floater/individual plan). Also, you need to choose the sum insured correctly and look for plans with lifetime renewability.

Don’t buy from an insurer with a low claim settlement ratio or CSR, rather go for the one with high CSR. You must also consider the cashless hospitals in the network of the insurer.
Go for plans with a minimum waiting period for PEDs or pre-existing diseases.

Compare multiple policies before picking the best one to suit your needs.

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Jul 10, 2022
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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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