Star Health Insurance is one of the foremost standalone insurance companies in the country started in association with Allied Insurance in 2006. The insurance company specializes in quality mediclaim comprehensive plans for families, individuals, elderly, and corporations.
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.
Claim settlement ratio -97.5%
NCB* 50%, up to 100%*
PED Waiting# 36 months (Can be reduced to 12 months by paying extra premium)
Network Hospital 14,000+
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|Star Health Insurance Plan||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)|
|Network Hospitals Available||9900+|
|Waiting Period (Pre-existing Ailments)||4 years|
|Claims Settlement Ratio||78.62%|
* Year Data 2019-20
Below are some of the major benefits of availing Star Health Insurance Plans:
Below is a comprehensive list of the top Star Health Insurance Plans for family and individuals:
This is a family floater health plan where you can pay a single sum insured to receive coverage for both individuals and families.
This plan offers health coverage to individuals within 3 months to 65 years. The policy offers maternity coverage and newborn babies’ coverage.
Below are the steps to buy a Star health insurance policy:
Below are the steps for the Star Insurance renewal process:
Below are the steps to follow for claiming a Star health and allied 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|
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.
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.
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.
# 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 policy issuance date or any medical treatment received within 48 months before the issue date of policy