About Star Health Insurance
Star Health and Allied Insurance began in 2006 as India’s first standalone health insurance provider. Today, they fulfil every insurance need in our society with their comprehensive family insurance, senior citizens, critical illness, diabetes and accident insurance plans.
For Star Health and Allied Insurance, health insurance remains their forte. They offer these insurance services at 9900+ hospitals, with cashless claim provisions. Through their diligent in-house claim settlement team, they maintain a claim settlement ratio of 78.52%. Since their founding, Star Health and Allied Insurance India have become one of the biggest names in the insurance industry with over 10,600 employees and 550 branches all over the country!
The various Star Health Insurance Plans are:
- Star Diabetes Safe Health Insurance
- Star Red Carpet Health Insurance
- Star Family Health Optima Insurance
- Star Family Delite Health Insurance
- Star Care Micro Insurance Policy
- Star Criticare Plus Health Insurance
- Star Net Plus Health Insurance
- Star Comprehensive Health Insurance
- Star Health Gain Insurance
- Star Accident Care Insurance Policy
Let’s take a closer look at the Star Health And Allied Insurance Health Insurance plans in India.
Star Diabetes Safe Health Insurance
- Entry Age: 18-65 years
- Policy Term: 1 year
- Sum Assured: Rs.3-10 lakhs
- Pre and Post-Hospitalisation: 30 and 60 days, respectively.
Other benefits:
- Dialysis Coverage: Rs.1000 per sitting up to 24 months
- This Star Health Insurance diabetes plan covers hospitalization expenses arising out of Accidents and Non-Diabetes. Subject to 30 days
- Ambulance Coverage: Rs.2000
- Free-Look Period: 15 days
Star Red Carpet Health Insurance
- Entry Age: 60-75 years
- Policy Term: 1-3 years
- Sum Assured: Rs.1-7.5 lakhs (Individual); Rs.10-25 lakhs (Floater)
- Pre and Post-Hospitalisation: 30 days pre-hospitalisation. Post-hospitalisation depends on professional medical opinion, up to 7% of hospitalisation charges.
Other benefits:
- Free Health Checkup: Rs.1000-4500 (when SI > 5 lakhs)
- Ambulance Coverage: Rs.1200-3000 (per policy period); Rs.600-1500 (per hospitalisation)
- As one of the best Star Health Insurance plans for senior citizens, this policy offers a 10% premium discount and premium does not increase with an increase in age
Star Family Health Optima Insurance
- Entry Age: 18-65 years (Adults); 16 days - 25 years (Children)
- Policy Period: 1 year
- Sum Assured: Rs.3-25 lakhs
- Pre and Post-Hospitalisation: 60 and 90 days, respectively.
Other benefits:
- Ambulance Coverage: Rs.750/hospitalisation; Rs.1500/policy period
- Newborn Coverage: Up to 10% of S.I or a maximum of Rs.50,000
- Recharge Benefit: Rs.75,000-1.5 lakhs (payable once during a policy period)
Star Family Delite Health Insurance
- Entry Age: 18-65 years (Adults); 5 months - 25 years (Children)
- Policy Term: 1 year
- Sum Insured: Rs.2-3 lakhs
- Pre and Post-Hospitalisation: 30 and 60 days, respectively
Other benefits:
- Ambulance Coverage: Rs.750/hospitalisation; Rs.1500/policy period
- ICU charges: 1.5% of the sum insured
- Family Delite is one of the most affordable Star Health Insurance plans for a family with a wide range of benefits such as free-look and grace periods.
Star Care Micro Insurance Policy
- Entry Age: 18-65 years, from Tier-1 & Tier-2 Places in India
- Policy Term: 1 year
- Sum Insured: Rs.1 lakh
- Pre and Post-Hospitalisation: 30 and 60 days, respectively
Other benefits:
- Ambulance Coverage: Rs.500/hospitalisation; Rs.1000/policy period.
- Hospital Cash Allowance: Rs.1000/day for a maximum of 14 days.
- ICU coverage up to Rs. 2000 (maximum of Rs. 10,000) per hospitalization.
- No need for a pre-acceptance medical screening.
- This policy is based on the fact that health should not be dependent on wealth, and is, therefore, meant for people from lower-income brackets.
Star Criticare Plus Health Insurance
- Entry Age: 18 - 65 years
- Policy Term: 1 year
- Sum Insured: Rs. 2 - 10 lakhs
- Pre and Post-Hospitalisation: 30 days pre-hospitalisation; post-hospitalisation coverage is a lump sum calculated at 7% of the expenses (excluding room charges) up to a maximum of Rs. 5000
Other benefits:
- Ambulance Coverage: Rs.750/hospitalisation; Rs.1500/policy period
- Non-allopathic treatment coverage: Up to 25% of sum insured subject (maximum of Rs. 25,000)
- Family Discount: 5% for up to 2 members, 10% for more than 2 members
- Star Health Insurance Disease Coverage: 9 major terminal illnesses
- No survival period necessary for Star’s unique health insurance plan.
Star Net Plus Health Insurance
- Eligibility: Anyone suffering from HIV
- Policy Term: 1 year
- Sum Insured: Rs.5000-50,000 (Section I - Lump-Sum); Rs.10,000-50,000 (Section II - Medical Expenses)
- Pre and Post-Hospitalisation: 30 days pre-hospitalisation; post-hospitalisation coverage is a lump sum calculated at 7% of the expenses (excluding room charges) up to a maximum of Rs. 5000
Other benefits:
- Ambulance Coverage: Rs.750/hospitalisation; Rs.1500/policy period
- Coverage for room and boarding expenses at 2% of the sum insured
Star Comprehensive Health Insurance
- Entry Age: 3 months - 65 years
- Policy Term: 1 year
- Sum Insured: Rs.5-25 lakhs
- Pre and Post-Hospitalisation: 30 and 60 days, respectively
Other benefits:
- Ambulance Coverage: Rs.2000-5000
- Delivery Coverage: Rs.10,000-25,000 (Normal); Rs.15,000-40,000 (C-Section)
- This is one of the best Star Health Insurance plans for pregnancy with newborn coverage ranging from Rs. 50,000 - 1 lakh
- Hospital Cash Allowance: Rs.500-1500
- These Star Health Insurance Comprehensive Plan details make it one of the most coveted plans in India today.
Star Health Gain Insurance
- Entry Age: 3 months - 65 years
- Policy Term: 1 year
- Sum Insured: Rs.1-5 lakhs
- Pre and Post-Hospitalisation: 30 and 60 days, respectively
Other benefits:
- Ambulance Coverage: Rs.750/hospitalisation; Rs.1500/policy period
- Delivery Coverage: Rs.10,000-25,000 (Normal); Rs.15,000-40,000 (C-Section)
- This comprehensive Star Health Insurance family plan details coverage for every single daycare procedure.
- Free Look Period: 15 days
Star Accident Care Insurance Policy
- Entry Age: 5 months - 65 years
- Policy Term: 1-3 years
- Sum Insured: Based on the insured’s monthly income
- Medical Expenses Extension: 25% of the valid claim or 10% of the sum insured, whichever is less, maximum of Rs. 5 lakhs per policy period.
Other benefits:
- Ambulance Coverage/Transportation of Mortal Remains: Rs.5000
- Educational Grant: Rs.10,000 and Rs.20,000 for 1 or 2 children, respectively
- In case of accidental death, 100% of the SI is provided under this Star Health accident insurance plan, and 150% of the SI is provided in case of permanent total disablement.
The Advantages of Choosing Star Health Insurance Plans in India
Whether you choose from Star Health Insurance’s new plans or their old plans, suffice to say you get several benefits. The Star Health and Allied Insurance benefits are wide owing to the company's exhaustive coverage of diseases. They are currently the only company to offer HIV-specific plans, for example. This, among many other features, sets the Star Health and Allied Insurance plans apart from their peers.
- A lot of Star Health group insurance plans include free health-checkups every claim-free year. A lot of them also do not require pre-acceptance medical screenings.
- You can enhance your current coverage by choosing from one of Star Health’s insurance plans for individuals. Alternatively, you can give yourself extra financial protection through Star Health Insurance top-up plans.
- With over 9900 network hospitals, Star Health and Allied Insurance make the claim process much more straightforward with cashless hospitalisation.
- All the Star Health Insurance plans details include a free-look period of 15 days and a grace period of 30 days.
- You can get a 100% no-claim bonus on the Star Health term insurance plans. There is also no Third-Party Administrator (TPA), making the entire process much easier and more trustworthy.
- During the online renewal of Star Health and Allied Insurance, the premium you pay is deductible under Section 80(D) of the Income Tax Act.
Calculating the Premium for Your Star Health and Allied Insurance Medical Insurance
When browsing for insurance policies, you can check the Star Health and Allied Insurance policy details for premium tables. They give you an idea of what to expect. However, if you want a more precise measure, you can enter the following data and calculate it:
- Your age
- The type of policy to buy
- Sum insured you need
- Policy term
- Medical history
- Coverage details
Star Health and Allied Insurance Claim Process
You can make claims for Star Health Insurance mediclaim plans either through cashless processes or reimbursement processes.
Cashless Claims:
- Approach the insurance desk at the Star Health network hospital and show your Health ID card.
- The hospital will download a pre-authorisation form.
- Fill the form and submit it for verification.
- Upon successful verification, the insurer will settle the hospitalisation costs directly with the hospital.
Reimbursement Claims:
- Contact your insurer and download the reimbursement claim form from the website.
- Fill in the form and submit it with other necessary documents like hospital and pharmacy bills, and any other original treatment documents.
- The company will verify the information and process the claim.
- You will receive a confirmation over call or email.
- The required amount will be reimbursed within 7 working days.
For any help with the claim process, contact Cover360's 24/7 customer service team, and we will help you ensure you have everything you need for a successful, smooth claim process!
Star Health Insurance Plans Renewal Process
- Visit cover360.in and go to our renewal page
- Enter the details asked
- You will be taken to the Star Health Insurance website to complete the renewal process
- Alternatively, you can directly renew your Star Health Insurance plans online.
- On the website, go to the “Renewals” tab.
- Enter your policy number and date of birth.
- Hit “Renew Now”.
- Make the payment through your preferred mode.
- You will receive a soft copy of the renewal confirmation on your registered email ID.
Contact Cover360 if you have any questions regarding any part of the insurance process. Our experts help you choose the ideal policy that meets yours and your family's needs, so you remain financially secure and stress-free during health crises!
