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Star Health Insurance Star Health and Allied Insurance Co. Ltd. started as a joint enterprise with Allied Insurance in the year 2006. Star Health Insurance offers a wide range of health insurance plans at an affordable premium. The policies cover hospitalization expenses, medical check-ups, critical illnesses, Ayurveda treatment etc. Star health insurance also offers mediclaim plan for autistic children. Star Health Insurance Company has recently introduced a pilot product to offer coverage for coronavirus patients. About Star Health and Allied Company Star Health Insurance is the first standalone insurance company in India. The Insurer has more than 11000+ network hospitals where the insured members can avail cashless treatment. Moreover, the insurer has a presence around the world with a widespread network of more than 340 branches. Star health insurance claim settlement ratio of 90% (F.Y. 2018-19) also backs up for its positive customer experience. One of the major benefits is that no co-payment is required for individuals below 60 years of age. Constantly ranked alongside some of India's top health insurers, Star Health and Allied Insurance Co. Ltd. has been conferred with many awards and accolades. Some of the most prominent ones are: Most Innovative New Product of the Year, 2020 Best BFSI Brands, 2019 Best Health Insurance Provider of the Year 2018-19 Star Health Insurance Company has more than 1100+ network hospitals where the insured members can avail cashless treatment. Moreover, the insurer has a presence around the world with a widespread network of more than 340 branches. Star health insurance claim settlement ratio of 90% (F.Y. 2018-19) also backs up for its positive customer experience. Star Health Insurance policy covers hospitalization expenses, critical illness add-ons, medical check-up costs, ambulance charges, maternity expenses, second medical opinion, organ donor cover, Ayush treatment among others. One of the major benefits is that no co-payment is required for individuals below 60 years of age. Star Health Insurance Company at a Glance Features Specifications Network hospitals 11000+ Claim Settled within 2 hours 90% Pre-existing diseases waiting period 4 years Incurred Claim Ratio* 63% Policy Renewability Lifetime *Incurred Claim Ratio - FY 2018-2019 Star Health Insurance Plans Below is the comprehensive list of Star health insurance plans along with their features and coverage benefits: Star Family Health Optima Insurance Plan Star Family Health Optima is a family floater health insurance plan that provides coverage to an individual as well as the family under a single sum insured. Key Features and Benefits The policy provides auto-recharge up to 300% of the sum insured One of the major benefits is that policy offers coverage to the newborn baby from the 16th day onwards Organ transplantation expenses along with hospitalization charges, road ambulance, surgeon, doctor and anesthetist fees are covered as well The plan also provides air ambulance benefit, accidental death and disability cover, out-patient dental and ophthalmic treatment cover Eligibility Criteria Criteria Specifications Minimum Entry Age Adult - 18 years Children - 16 days Maximum Entry Age Adult - 65 years Children - 25 years Sum Insured Rs 1 lakh to Rs 25 lakh Number of Family Members Included Individual Policy: 1 adult member Floater Policy - 5 members (self, spouse and up to 3 children) Star Senior Citizens Red Carpet Health Insurance Plan Star Senior Citizens Red Carpet policy is designed especially for senior citizens above the age of 60 years. The coverage is provided on both individual and family floater basis. The policy does not require you to appear for a pre-policy medical screening Key Features and Benefits The policy also provides coverage for inpatient hospitalization expenses, including nursing fee, room rent, anesthetics, medication and other such related expenses Modern treatment expenses are also covered under this policy Moreover, the policy also covers pre-existing diseases after a waiting period of 12 months Daycare procedures and organ donor expenses are covered as well Eligibility Criteria Criteria Specifications Minimum Entry Age 60 years Maximum Entry Age 75 years Sum Insured Individual Policy: Rs 1 lakh to 7.5 lakh Floater Policy: Rs 10/ 15/ 20/ 25 lakh Number of Family Members Included Individual Policy: 1 adult member Floater Policy - 2 members (self and spouse) Star Comprehensive Health Insurance Star Comprehensive health insurance policy provides health cover to people between the age group of 3months and 65 years. The policy provides automatic health insurance coverage for newborn babies and also gives maternity benefits Key features and Benefits It covers the event of a personal accident resulting in permanent disability or the sudden death without asking for an additional payment Ayurveda, Unani, Siddha and Homeopathy treatments are covered as well Expenses incurred on outpatient ophthalmic treatment, domiciliary hospitalization, and modern treatments can be claimed 10% co-pay is applicable for people above the age of 60 years The policy offers extra benefits like health checkups, Bariatric surgeries, assistance for air ambulance, and so on at no additional cost Eligibility Criteria Criteria Specifications Minimum Entry Age Adult - 18 years Children - 3 months Maximum Entry Age Adult - 65 years Children - 25 years Sum Insured Rs 5 lakh to Rs 1 Crore Number of Family Members Included Individual Policy: 1 adult member Floater Policy - 5 members (self, spouse and up to 3 children) Star MediClassic Health Insurance Star MediClassic health insurance plan covers hospitalization expenses incurred on any illness/diseases or injury. The premium can be paid in monthly, quarterly, and half-yearly installments. Key Features and Benefits The policy provides auto-restoration up to 200% of the sum insured if exhausted (in case of the Individual plan) The policy covers expenses incurred on psychiatric and psychosomatic disorder Moreover, non-allopathic treatments can also be claimed Eligibility Criteria Criteria Specifications Minimum Entry Age 5 months Gold Plan - 16 days Maximum Entry Age 65 years Sum Insured Rs 1.5 lakh to Rs 15 lakh Gold Plan - Rs 3 lakh to Rs 25 lakh Number of Family Members Included Individual - 1 adult member Family Package Plan - 4 members (with self, spouse and up to 2 children) Star Health Gain Insurance Plan Star Health Gain Insurance plan provides cover mediclaim to an individual along with their family. Key Features and Benefits The policy covers people between the age group of 91days and 65 years 20% co-pay is applicable on each and every claim amount The policy covers expenses incurred on both inpatient and outpatient treatments The amount saved from outpatient treatment is carry forwarded to the next policy year Modern treatment expenses are covered as well Waiting period of 30 days applies to accidental cases, 24 months to diseases/illnesses, and 48 month for pre-existing diseases Eligibility Criteria Criteria Specifications Minimum Entry Age Adult - 18 years Children - 91 days Maximum Entry Age Adult - 65 years Children - 25 years Sum Insured Rs 1 lakh to Rs 5 lakh Number of Family Members Included Individual Policy: 1 adult member Floater Policy - 5 members (self, spouse and up to 3 children) Star Super Surplus Insurance Plan Star Super Surplus Insurance is a top-up health plan that does not require pre-medical screening. It is suitable to extend coverage benefits over and above the existing health plan. Key features and Benefits The policy provides coverage to individuals between the age group of 18-65 years Air ambulance charges are covered as well Organ donor expenses are covered as well Maternity cover is also provided up to the specified limits Eligibility Criteria Criteria Specifications Minimum Entry Age Adult - 18 years Children - 91 days Maximum Entry Age Adult - 65 years Children - 25 years Sum Insured Silver Plan - Rs 7 lakh to Rs 10 Lakh Gold Plan - Rs 5 Lakh to Rs 25 lakh Number of Family Members Included Individual Policy: 1 adult member Floater Policy - 5 members (self, spouse and up to 3 children) Star Diabetes Safe Insurance Star Diabetes Safe Insurance Plan is a health insurance policy for diabetes patients. It covers both Type 1 and Type 2 diabetes patients and related complications. Key Features and Benefits The policy provides coverage for diabetes and related complications Out-patient medical expenses can also be claimed Personal accident compensation is provided to the insured person equal to 100% of the sum insured opted Room rent, boarding, anesthesia, surgeon fees, drugs, and medicine charges can be claimed by the policyholder Eligibility Criteria Criteria Specifications Minimum Entry Age 18 years Maximum Entry Age 65 years Sum Insured Rs 3 lakh to Rs 10 lakh Number of Family Members Included Individual Policy: 1 adult member Floater Policy - 2 members (self and spouse) Star Cardiac Care Health Insurance Star Cardiac health insurance plan is designed for people with existing cardiac diseases within the age group of 10 years and 65 years. The applicants don’t need to undergo any pre-medical screening to get covered under this plan. Key Features and Benefits The policy is available in two sum insured options i.e. Rs 3 Lakh and Rs 4 Lakh It is available in two variants i.e. Silver plan and Gold plan It provides coverage against heart diseases after the waiting period of 90 days The policy benefits include hospitalization cover, out-patient expenses cover, personal accident cover, and cataract treatments All the day care treatments are claimable under this policy Eligibility Criteria Criteria Specifications Minimum Entry Age 10 years Maximum Entry Age 65 years Sum Insured Rs 3 lakh and Rs 4 lakh Number of Family Members Included Individual only 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 Star Health Insurance Plans for Star Health Insurance Plans by Disease Benefits of Star Health Insurance Below are some additional benefits of Star Health Allied Insurance. Co-Payment You don’t have to make any co-payment; however, 20 per cent of the Star Health Insurance Claim has to be settled by you if you have attained an age between 61 and 65 years, unless specified otherwise. Life-long Renewability Star health insurance plans come with lifetime renewability and offer cover for an entire lifetime. Pre-existing Diseases Any pre-existing ailment is covered after a waiting tenure of 4 years. Room Rent Star health insurance plans come with room rent expense at 2 per cent of the sum assured, subject to a maximum of Rs. 4000 every day. No Third-Party Administrator There is no third-party administrator in Star Health Insurance Company. This practices direct in-home claim settlement. Explore Star Health Insurance How to Buy a Star Health Insurance Plan Online at Policybazaar? Star health insurance plans from Policybazaar can be purchased online in a few simple steps as given below: Step 1 : Select Gender Male/Female along with your full name Step 2 : Now enter the correct phone number, select your age and click on view Star health insurance plans Step 3 : Click on continue, select the city and enter the pin code Step 4 : Select the Star health insurance plan from the given options Step 5 : Select and compare the different Star health insurance plans on Policybazaar. You can also calculate premium online Step 6 : Once you select the right plan you can pay the policy premium or speak to our customer care representative for detailed knowledge Step 7 : Once the above steps are completed and the premium is successfully paid, the policy will be emailed to you on your registered email-id How to Renew Star Health Insurance Plan Online? Star health insurance company offers a lifelong renewal feature. In order to enjoy continuous insurance benefits, you need to renew your insurance plan on a yearly basis. Here are the step-by-step guidelines to renew your Star Medical Insurance Plan Online: Go to Policybazaar health insurance renewal to renew your existing Star Health Insurance Policy. Now, fill out your policy details - policy number, email ID, date of birth, and registered mobile no. in the renewal form. Once you enter the insurance details, you will get the cost of the insurance premium. Click on the Proceed button. You can pay the Star Health insurance premium via net banking, credit card or debit card. Click on the Purchase Policy button. You will get the star health insurance renewal copy on your registered email-id within a few seconds. Compare Health Insurance *All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C apply. How to File a Claim with Star Health Insurance? Here is the claim process for Star health insurance. Cashless Claim Process: If you want to avail cashless claim in a Star Medical Insurance plan, follow the steps mentioned below. Step 1 Visit the insurance desk at the reception of the network-listed hospital you are undergoing a treatment at Step 2 Display the policy ID for identification purpose Step 3 A doctor from their team will evaluate the documents. After the verification, he/she will process the claim in accordance with the terms and conditions of the opted plan Step 4 The Star Health Network Hospital would cross-check your identity and submit the pre-authorization Star Health Insurance Claim Form Step 5 A designated field doctor will make the hospitalization process simpler for you Step 6 After the completion of the necessary formalities, the claim would be settled according to the terms and conditions Documents Required for Star Health Cashless Claim Star health card Duly filled & signed claim form In case of an accidental hospitalization, police FIR report or Medico Legal Certificate needs to be submitted Investigation reports such as blood reports, x-ray, or any scans reports Consultation papers of the doctor Chemist’s invoice (in original) The discharge summary from the hospital Other documents (as per the case) Reimbursement Claim Process: If you want to avail reimbursement claim for Star Health Mediclaim, follow the steps mentioned below: Step 1: A doctor on-field will make hospitalization simpler for you Step 2: Post-discharge, you will have to clear the hospital bills. Make sure you collect all the original documents of the treatment(s) and receipts of incurred expenses Step 3: Fill out the Star Health Claim Form, attach all the required original documents and receipts, and submit it to the nearest branch office of Star Health Step 4: As per your policy’s terms and conditions, your claim will be settled Documents Required for Star Health Reimbursement Claim Original chemist bills with prescription Duly filled and signed Star medical insurance claim form Medical bills, discharge certificate and receipts Medical test reports and investigation reports Surgeon's bills and receipts Nature of the surgery/operation Registration certificate of the hospital (if lesser than 15 beds) FIR/Self-declaration/ Medico Legal certificate in case of an accidental hospitalization