About Star Health Insurance

Star Health Insurance Company is treated as India’s first standalone health service provider. It started its business in 2006 and since then the company has carved its name in the health insurance segment.

Star Health offers a range of products to individuals, families, and even corporate clients. Products offered by Star Health Insurance include Health, Overseas Travel, and Personal accident insurance. The coverage under its plans is comprehensive and the premium rates are competitive.

Claim settlement ratio 97.5%

NCB* 50%, up to 100%*

PED Waiting# 36 months

Network Hospital 14,000+

Get all your insurance related queries answered for FREE

Paybima's Right Advisor = Expert Solutions

Top Plans

Star Health Insurance Plan(s) Plan Type Entry Age
Star Comprehensive Insurance Policy Plan Type : Base Product Entry Age : Minimum – 18 years for adults, 91 days for children, maximum – 65 years for adults, 25 years for dependent children
Young Star Insurance Policy Plan Type : Base Product Entry Age : Minimum – 18 years for adults, 91 days (for dependent child on floater basis) | Maximum – 40 years for adults, 25 years (for dependent child on floater basis)

Key Highlights of Star Health Insurance Company

Key Features Specifications
Network Hospitals Available 14000+
Waiting Period (Pre-existing Ailments)                    4 years
Claims Settlement Ratio 78.62%
Policies Issued 37,34,365
Covid-19 cover Available
Renewability Lifelong

* Year Data 2019-20

Also Read: Steps to Renew Star Health Insurance Policy Online

Awards and Achievements of Star Health Insurance Company

For the last 15 years, Star Health has been fulfilling all the insurance-related needs of its customers. During this journey, Star Health Insurance has been felicitated with many awards. Some of them are enlisted below:

  • Star Health received the Most Innovative New Product of the Year for one of its products in the ASSOCHAM Insurance E-summit.
  • In the year 2019, Economics Times awarded Star Health Insurance as the BEST BFSI Brand.
  • For two consecutive years, i.e. 2017-18 & 2018-19, Star Health Insurance has been awarded as Best Health Insurance provider by Money Toady Financial.
  • Star Health Insurance has been awarded the W.H.O Award for Excellence in the year 2017.
  • In the year 2015, Star Health Insurance Company received the award for Best Claim Settlement Process Company.

Benefits of Availing Star Health Insurance Plans

Below are some of the major benefits of availing Star Health Insurance Plans:

  • The best benefit of availing insurance from Star Health is that co-payment is not required for individuals less than 60 years of age.
  • The Star health plans cover hospitalization expenses, critical diseases, free medical check-ups, Ayurveda treatment, etc.
  • The insurance provider also offers mediclaim plans for autistic children.
  • The company has many products that cover against coronavirus.
  • No third-party administrator is involved in the claim process, making it simple.
  • Pre-existing diseases are covered after a 4 year of waiting period.
  • The plans come with lifetime renewability.

Exclusions in Star Health insurance plans

Star Health issues comprehensive policies. However, some claims are excluded from coverage due to their nature. These claims are called exclusions and each plan has a specific list of exclusions that can be found in its policy wordings. Some of the commonly found exclusions, however, include the following –

  • Pre-existing illnesses are excluded during their waiting period. They are covered only after the waiting period is over
  • Specific illnesses, like cataracts, hernias, fissures, etc. are excluded during a specific waiting period.
  • Illnesses immediately occurring within 30 days of buying the policy are not covered
  • Cost of vitamins and health supplements are excluded from coverage
  • Treatments that are not scientific or experimental are not covered
  • Pregnancy and its complications are excluded unless specifically covered under the planned
  • War, nuclear, or chemical threats and related perils
  • Self-inflicted injuries
  • Cosmetic treatments
  • Alcohol and/or drug abuse
  • Participation in dangerous or illegal acts

Also Read: Star Health Insurance Mediclaim Premium Calculator

Health Insurance Plans Offered by Star Health Insurance Company

Below is a comprehensive list of the top Star Health Insurance Plans for families and individuals:

  • Star Family Health Optima Insurance Plan
  • Star Senior Citizens Red Carpet Health Insurance Plan
  • Star Comprehensive Health Insurance
  • Star MediClassic Health Insurance
  • Star Health Gain Insurance Plan
  • Star Super Surplus Insurance Plan
  • Star Diabetes Safe Insurance
  • Star Cardiac Care Health Insurance
  • Star Criticare Plus Health Insurance
  • Star Cancer Care Gold (Pilot Product)
  • Star Special Care Insurance Policy
  • Star Health Novel Coronavirus Insurance Policy
  • Star Outpatient Care Health Insurance Policy
  • Star Health Insurance: Arogya Sanjeevani Policy
  • Star Hospital Cash Insurance Policy
  • Star Health Insurance: Corona Rakshak Policy
  • Young Star Insurance Policy
  • Star Health Corona Kavach Policy
  • Star Accident Care Health Insurance Policy

Below are some Star health insurance policy details:

1. Star Family Health Optima Insurance Plan

This is a family floater health plan where you can pay a single sum insured to receive coverage for both individuals and families.

  • Minimum Entry Age – Adult – 18 years, Children – 16 days
  • Maximum Entry Age – Adult – 65 years, Children – 25 years
  • Sum Insured – 1 lakh to 25 lakh rupees

Members covered

  • Under the Individual plan – 1 adult member,
  • Under family floater plan – 5 members (insured, spouse and 3 kids)

Benefits:

  • Auto-recharge of over 300% of the insured sum is available under this plan.
  • This Star insurance covers newborn babies starting from the 16th day of birth.
  • The plan covers organ transplant costs as well as hospitalization costs, ambulance charges, surgeon fees, and fees of doctors and anesthetists, etc.
  • The Star health policy also covers accidental death and disability, air ambulance costs, ophthalmic treatment, and dental treatment.

2. Star Comprehensive health insurance policy

This plan offers health coverage to individuals within 3 months to 65 years. The policy offers maternity coverage and newborn babies’ coverage.

  • Minimum Entry Age – Adult – 18 years, Children – 3 months
  • Maximum Entry Age – Adult – 65 years, Children – 25 years
  • Sum Insured – 5 lakh to 1 crore rupees

Members covered

  • Under the Individual plan – 1 adult member,
  • Under family floater plan – 5 members (insured, spouse, and 3 kids)

Benefits:

  • Covers permanent disability or death in case of an accident.
  • AYUSH treatment – Ayurveda, Unani, Siddha, and Homeopathy are covered under this plan.
  • Covers outpatient ophthalmic cures, domiciliary hospitalization costs, and so on.
  • 10% co-pay offered to insured individuals above 60 years.
  • Extra cover such as health checkups, Bariatric surgeries, air ambulance assistance, etc. are offered without any extra costs.

Also Read: Star Health Insurance Plans – Diseases Covered and Not Covered

How to buy Star Health Insurance Policy

You can buy Star Health policies online or offline. The online medium is easier since it allows you to buy the policy conveniently.

To buy the policy online, you can choose PayBima.com. PayBima is an online portal that helps you compare the different plans and then buy the best policy for your needs.

To buy Star Health insurance policies online through PayBima, the steps are as follows -

  • Select your plan online: Click on the link www.paybima.com and visit PayBima’s official home page. Select ‘health insurance’ from the home page to start the buying process. 
  • Fill in the relevant details: You get an online form wherein you are required to enter your details and coverage-related details. Fill in your name, medical history, lifestyle habits, number of dependents, medical history, sum insured, age, gender, location, etc. After you submit the form, you will get a list of health plans that match your needs. You can also choose to avail of personalized consultations through PayBima wherein the company’s executives help you find the best policy for your coverage needs.
  • Compare the plans: You can use the list generated to compare different health plans. Star Health’s policies would also be on the list and you can compare the policies with the policies of other insurers. Check the coverage and the premium so that you can buy a policy that best fits your needs.
  • Fill out the proposal form: After comparing and choosing a policy, you would have to fill up an online proposal form. Enter the correct information in the form so that there are no hassles at the time of claim settlements.
  • Premium payment and policy issuance: Once the proposal form is filled up, you will have to pay the premium online. PayBima has different online premium payment modes through which you can pay the premium. Once the premium is paid, the health insurance policy will be instantly issued if there is no need for pre-entrance medical check-ups.
  • Pre-entrance health check-ups: Under some Star Health plans, there might be a need for a pre-entrance medical check-up before the policy is issued. Moreover, in other plans, based on your age, the sum insured selected and your medical history, a medical check-up might be needed. In such cases, you would have to undergo a medical check-up. You can avail of the check-up at any networked facility of the insurance company

The process of Renew Star Health Insurance Plans

You get health insurance coverage lifelong if you renew the policy on time. Star Health insurance plans’ renewals can be done online. You just have to enter your policy number and other relevant details to view your policy. Thereafter, pay the renewal premium and the policy will be renewed.

You can make changes to your existing policy on renewals. Such changes might affect the premium. Pay the required premium and you get to renew the policy instantly.
If you do not renew the policy on time, you get a grace period. This period allows you to retain your renewal benefits but the coverage is not allowed. However, if the grace period is over, you also lose out on the coverage benefits.
PayBima allows you to renew your Star Health policy online. For any assistance in renewing the Star health insurance policy, you can contact PayBima by calling 1800 267 67 67 or drop an email at paybima.care@mahindra.com.

Below are the steps for the Star Health Insurance renewal process:

  • Go to the renewal section of the insurance company’s website.
  • Fill in your policy details –
    • Policy number,
    • Email ID,
    • Date of birth,
    • Registered mobile number etc.
  • Once you submit the details, you will get to know the premium amount of the policy.
  • You can click on the button to Proceed.
  • Make the payment through online banking.
  • Now select the next button to renew the policy.

Also Read: 

How to File a Star Health Insurance Claim?

Below are the steps to follow for claiming Star health and allied insurance:

Cashless Claims

  • Go to the insurance desk of a network hospital of the insurer.
  • Show the policy ID.
  • A team of doctors will evaluate the documents and verify them before processing the claim as per the terms of the policy.
  • The Hospital will also verify the insured's identity before submitting the form of pre-authorization.
  • The process of hospitalization would be assisted by a team of doctors.
  • Once all the necessary formalities are completed, the claim will be settled.

Reimbursement Claim

  • An on-field doctor will assist the insured in the hospitalization process.
  • Once the treatment is over, the insured has to clear all dues and collect all treatment documents from the hospital.
  • Now, fill and sign the claim form and submit all documents and bills (original copies) at the insurer’s branch office.
  • The claim will be settled as per the terms and conditions of the policy.

Claim Settlement Ratio of Star Health Insurance

The ratio of claims that are settled by an insurer during a policy year as against the complete claims that the insurer receives during the year is called Claim Settlement Ratio.

The claim settlement ratio of Star Health medical insurance for the financial year 2018-19 was 90%, while it was 78.62% for the FY 2019-20.

Financial Year Claim Settlement Ratio
2018-2019 90%
2019-2020 78.62%


Also Read:

Frequently asked questions

Star Health Insurance is one of the foremost standalone insurance companies in the country started in association with Allied Insurance in 2006. Known for its extensive range of health insurance policies at reasonable premium prices, this is one of the most reputed insurance providers in the country with a network of over 11000+ hospitals for cashless treatment. Further, Star Health Insurance has a global presence with over 340 branches across the globe. With 90% claim settlement ratio in the F.Y. 2018-19, the insurance provider has a number of happy and contented customers. The insurance company has continuously ranked among the top health insurers in the country and is the recipient of many awards and achievements.

Below are the benefits:

# Co-payment is not required for individuals less than 60 years of age.
# Cover hospitalization expenses, critical diseases, free medical check-ups, Ayurveda treatment etc.
# Offers mediclaim plans for autistic children.
# Cover against coronavirus.
# No third-party administrator is involved in the claim process.
# Pre-existing diseases are covered after a 4 years of waiting period.
# The plans come with lifetime renewability.

Yes, most Star health plans allow portability features within the company from one plan to another as well as from one policy provider to another. You need to approach the company to avail this feature.

Below are the steps for the Reimbursement Claim process:

# A on-field doctor will assist the insured in the hospitalization process.
# Once the treatment is over, the insured has to clear all dues and collect all treatment documents from the hospital.
# Now, fill and sign the claim form and submit all documents and bills (original copies) at the insurer's branch office.
# The claim will be settled as per the terms and conditions of the policy.

Star Health Insurance specializes in quality-driven mediclaim policies only with a wide series of comprehensive health plans for families, individuals, elderly, and corporations.

Below are the steps:

1. Go to the website of Star health Insurance.
2. Click on ‘Renew’ on the home page.
3. Submit policy details. Now, click on the tab ‘Renew’.
4. Choose the quote that suits you aptly.
5. Make the payment online.

Policyholders of Star health insurance can make health insurance claims via any of the two options of cashless treatment or reimbursement claim option.

# Star health card
# Duly filled and signed claim form.
# Copy of FIR or MLC (in case of accident).
# Reports of blood group, x-ray, scans etc.
# Doctor's consultation papers.
# Original invoice of medicine bills.
# Discharge summary
# Other documents

* The accumulated cumulative bonus or the NCB shall not exceed 100% of the Sum Insured on the Renewed Policy as specified in the policy terms.

# Ailments diagnosed within 48 months before the policy issuance date or any medical treatment received within 48 months before the issue date of policy

 Can be reduced to 12 months by paying an extra premium