Star Health Insurance

As we know health is wealth. And with the same belief Star Health has offered a wide range of products so that the customer can choose any plan. Star health is very popular insurance provider in the insurance industry. Star Health insurance products are available at an affordable price. Star Health has in-house claims team and hence lesser time for claims processing. Star Health has more than 9,900+ network of hospitals which they can cater their policy holder needs. Some of the popular plans of Star Health are Star Health Family Health Optima for family and a floater policy. Star Health insurance for senior citizens red carpet, Star Health insurance for diabetes, Star Health's Star Comprehensive Insurance Policy and more.

Star health insurance quotes

Coverage type
Coverage amount
Date of Birth
  OR age    years
Policy Duration
Start Date
End Date

Key Features of Star health insurance

  • Inpatient hospitalization/treatment
  • Pre-hospitalization and Post-hospitalization Expenses
  • Pre-existing diseases are included subject to prior coverage by a domestic insurer; usually for the four years preceding policy inception
  • Floater Basis and Individual Basis
  • Reinstatement of sum assured

Star Health Insurance Review

Sum Insured
1 lac − 100 lacs options available
Tenure Options
1, 2, 3 years options available
Claims Incurred Ratio *
63.00%
Claims Settlement Ratio **
81.62%
List of Network Hospitals
9,900+ hospitals
Number of Policies issued *
3,734,365
Number of Lives Covered *
11,617,000
Maximum Family Floater Coverage
Self, Spouse + 3 dependent children
* As per IRDAI report for 2018-19   |   ** As per NL25 data published on the Insurance Company website

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Star health insurance plans

  • Policy coverage: Rs. 5,00,000 to Rs. 25,00,000.
  • Eligibility: 3 months to 65 years are eligible to buy this policy.
  • Renewal: Offers life long renewal.
  • Room Rent: No Room Rent Capping for Private Single Standard A/c Room.
  • Co - pay: No co-pay if entry age < 60 yrs / 10% co-pay for ages > 60 yrs.
  • Restoration Benefit: 100% of Base Sum Insured for unrelated illness/diseases.
  • Policy coverage: Rs. 2,00,000 to Rs. 3,00,000.
  • Eligibility: Policy is available for age between 5 months and 62 years of age.
  • Renewal: Offers life long renewal.
  • Room Rent: Upto 1% of Sum Insured per day.
  • Co - pay: NIL Co pay applicable.
  • Restoration Benefit: Restoration Benefit is NIL.
  • Policy coverage : Rs. 1,00,000 to Rs. 25,00,000.
  • Eligibility: Policy is available for age between 60 years and 75 years of age
  • Renewal: Renewal beyond 75 years of age.
  • Room Rent: 1% of SI per day till SI of 5 lacs / Rest between₹6,000 and ₹10,000.
  • Co - pay: Between 30% and 50% for Non Pre Existing (PED) and PED claims.
  • Restoration Benefit: Restoration Benefit is NIL.
  • Policy coverage : Rs. 1,50,000 to Rs. 15,00,000.
  • Eligibility: Policy is available for age between 5 months and 60 years
  • Renewal: Policy can be renewed life long.
  • Room Rent: Rs.5,000/- per day or Private Single A/c Room depending on SI.
  • Co - pay: No co-pay if entry age < 60 yrs / 10% co-pay for ages > 60 yrs.
  • Restoration Benefit: 200% of Base Sum Insured for unrelated illness/diseases.
  • Policy coverage : Rs. 3,00,000 to Rs. 25,00,000.
  • Eligibility: Policy is available for age between 18 years and 65 years of age
  • Renewal: Policy can be renewed up to 65 years of age
  • Room Rent: Capped at ₹2,000 / ₹5,000 / Single Standard A/c based on Plan SI.
  • Co - pay: No co-pay if entry age < 60 yrs / 20% co-pay for ages > 60 yrs.
  • Restoration Benefit: Thrice upto 100% of Base SI for plans with SI > 3 lacs.
  • Policy coverage : Rs. 3,00,000 to Rs. 10,00,000.
  • Eligibility: Policy is available for age between 18 years and 65 years of age
  • Renewal: Guaranteed Lifetime Renewals beyond 65 years are offered under this policy.
  • Room Rent: Eligible for Single A/c Standard Room .
  • Co - pay: NIL Co Pay.
  • Restoration Benefit: Restoration Benefit is NIL.
  • Policy coverage : Rs. 2,00,000 to Rs. 10,00,000.
  • Eligibility: Policy is available for age between 18 years and 65 years of age
  • Room Rent: 2% of Sum Insured subject to a maximum of ₹4,000 per day.
  • Co - pay: NIL for insureds < 60 yrs/ 30% co-pay for ages > 60 yrs.
  • Restoration Benefit: Restoration Benefit is NIL.
  • Policy coverage : Rs. 1,00,000 to Rs. 5,00,000.
  • Eligibility: Policy is available for age between 91 days to 65 years of age
  • Family Size for Floater option : Family means Self, Spouse, Dependent children up to 25 years of age
  • Room Rent: Upto 1% of Sum Insured per day.
  • Co - pay: No co-pay if entry age < 60 yrs / 20% co-pay for ages > 60 yrs.
  • Restoration Benefit: Restoration Benefit is NIL.
  • Eligibility:Policy is available for age between 18 years to 65 years of age
  • Children can be covered from 91 days to 25 yrs. Children can be covered only along with parents.
  • Available in individual and family floater basis.
  • Room Rent: At ₹4,000 per day for Silver / Single A/c Standard Room for Gold.
  • Co - pay: NIL for Silver & Gold < 60 yrs/ 10% co-pay for ages >60 yrs in Gold plan.
  • Restoration Benefit: Restoration Benefit is NIL.
  • Policy coverage : Rs. 3,00,000 to Rs. 4,00,000.
  • Eligibility: Policy is available for age between 10 years to 65 years of age
  • Policy tenure :The policy will be issued for a 1 year
  • Covers regular medi-claim and also specific cover to cardiac related complications
  • Room Rent: Capped at ₹5,000 per day.
  • Co - pay: NIL for insureds < 60 yrs/ 10% co-pay for ages > 60 yrs.
  • Restoration Benefit: Restoration Benefit is NIL.
  • Policy coverage : Rs. 3,00,000 and Rs. 5,00,000.
  • Eligibility: Policy is available 5 months to 65 years
  • Room Rent: Eligible for Single A/c Standard Room.
  • Co - pay: NIL for insureds < 60 yrs/ 10% co-pay for ages > 60 yrs.
  • Restoration Benefit: Restoration Benefit is NIL.
  • A special policy from Star Health in India to cover HIV positive individuals.
  • Policy is accessible in Tier I and Tier II locations on an individual and floater basis.
  • Pre-hospitalization cover and post-hospitalization cover.
  • Hospital Cash benefits if treatment is taken at the hospital of the government.
  • Room Rent: Upto 0.75% of SI per day for Private Room /Shared Accommodation.
  • Co - pay: NIL Co Pay.
  • Restoration Benefit: Restoration Benefit is NIL.
  • This policy was intended specifically to provide health insurance cover for kids diagnosed with autism disorder
  • Any child diagnosed with Autism Spectrum Disorder between 3 years and 25 years of age can be covered.
  • Room Rent: Capped at ₹5,000 per day.
  • Co - pay: 20% co-pay on all claims for all insureds.
  • Restoration Benefit: Restoration Benefit is NIL.
  • Health insurance policy that provides lumpsum benefit for the period of hospitalization.
  • Eligibility: Age at entry 18 years and 65 years
  • Room Rent: NIL Cap, per day limit of Hospital Cash as per plan opted.
  • Co - pay: NIL Copay.
  • Restoration Benefit: Restoration Benefit is NIL.
  • Hospitalisation cover for rural population.
  • Eligibility: Age at entry 18 years and 65 years
  • Room Rent: 1% of Sum Insured per day.
  • Co - pay: NIL for insureds < 60 yrs/ 20% co-pay for ages > 60 yrs.
  • Restoration Benefit: Restoration Benefit is NIL.

Claims Settlement Process for Star Health Insurance

Cashless Claim Procedure during hospitalization
Cashless Claim: a six step process
  • Step 1 - Approach the insurance desk at a network hospital. Intimation can be given either through contacting us at 1800 425 2255 / 1800 102 4477 or e-mail us at support@starhealth.in
  • Step 2 - Show your Star Health ID card for identification purpose at the hospital reception.
  • Step 3 - Submit to the hospital Pre admission investigations and Doctor’s consultation papers.
  • Step 4 - Network hospitals will verify your identity and submit duly filled pre - authorization form with Star Health.
  • Step 5 - Our doctors verifies all the submitted documents before processing the claim as per terms and conditions. An assigned field doctor may visit the patient at the hospital if required.
  • Step 6 - After discharge, the hospital will send the claim documents to the company and the authorized amount will be settled directly to the hospital.
(Note: Non-Payable items would be at the insured's own cost)
a) In case of planned hospitalization:
  • Please contact the toll-free help line: 1800 425 2255 / 1800 102 4477
  • The hospital will send the duly filled pre-authorization from through hospital portal (or) at the below number (or) Email ID
    • Call : Toll-free FAX: 1800 425 5522 (or)
    • Call : Non Toll-free FAX: 044 -28302200
    • Email : cashless.network@starhealth.in
  • Please carry your ID card.
b) Procedures to be followed in case of emergency hospitalization: In case of Emergency like accident or sudden bout of illness may that requires immediate admission to the hospital
  • Upon receiving intimation from the insured/insured’s attender, they are contacted by the network hospital
  • Customer Care will verify the validity and coverage of the policy
  • A field visit doctor is deputed to visit the patient at the hospital if required.
  • Our medical team will process the cashless request for the insured person subject to policy terms and conditions.
c) Cashless claim authorization process
  • Upon receiving intimation from the insured/insured’s attender, they are contacted by the network hospital.
  • Customer Care will verify the validity and coverage of the policy
  • A field visit doctor is deputed to visit the patient at the hospital if required
  • Our medical team will process the cashless request for the insured person subject to policy terms and conditions.
d) Documents required for cashless claim submission by Hospital
  • Health card
  • Doctor's consultation papers
  • Discharge summary
  • Investigation reports (e.g. X-ray, scans, blood report, etc.)
  • Pharmacy invoices supported by respective prescriptions
  • In cases of accidents, Medico Legal Certificate (MLC) and / or FIR
  • KYC documents of the insured if claimed amount exceed Rs.1, 00,000/-
(Note: Documents other than the Health Card should be submitted in original)
When the Insured gives prior intimation about the treatment and the insured pays the expenses himself with the hospital and then claims for a reimbursement of those expenses within 15 days from the date of discharge.

Reimbursement Claims Procedure following hospitalization

Procedure for Reimbursement of Claim
  • All claims need to be intimated within 24 hours of hospitalization. Reimbursement facility is available at network hospitals as well as at non-network hospitals
  • Avail treatment, settle all bills and file a claim for reimbursement.
  • Submit the claim documents to the company within 15 days from the date of discharge.
  • To receive the claim form, cite your policy number and intimate Star Health about hospitalization.
Reimbursement Claim Procedure
  • Upon discharge, pay all hospital bills and collect all original documents of treatment undergone and expenses incurred.
  • Claim form has to be filled in and along with, all the relevant original documents have to be submitted at the nearest Star Office
  • We settle the claim in subject to policy terms and conditions.
  • Non-Payable items would be at the insured's own cost.
Documents required for reimbursement claim submission
  • Copy of Health card
  • Duly filled claim form
  • Pre admission investigations and Doctor's consultation papers
  • Discharge summary from hospital in Original.
  • Investigation reports (e.g. X-ray, scans, blood report, etc.)
  • Pharmacy invoices supported by respective prescriptions
  • Case receipts from hospital, chemist
  • In cases of accidents, Medico Legal Certificate (MLC) and / or FIR
  • Copy of the KYC documents - NEFT details, Contact number and E-mail ID
Star health insurance
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