Star Group Health Insurance

Star Group Health Insurance

Claim settlement ratio (2019-20)

78.62%

Network hospitals

12,000+

TPA

In-house TPA

Total GHI lives insured (2020-21)

30.9 lakhs

Total GHI claims incurred (2020-21)

₹717 crores

About Star group health insurance

Star group health insurance is a corporate health insurance product of Star Health and Allied Insurance Company Limited. The insurer provides insurance products for health, personal accidents and overseas travel insurance. Star Health insurance is also into bancassurance with various banks.

With Pazcare, your Star group health insurance policy gets better. We will get you the best-in-class group health insurance quotes for your employees at the best prices. Moreover, the HR/Admin can administer the Star group health insurance in one place using our tech-enabled Pazcare dashboard. This Pazcare dashboard can also be integrated with the HRMS tools. 

How to buy Star group health insurance at Pazcare?

These simple steps allow you to purchase Star group health insurance online at Pazcare.

  1. Visit us at https://www.pazcare.com/ and click on the products drop down and choose group health insurance. Make sure you read all the information about group health insurance including the coverage and benefits.
  2. Fill in the form. It requires information like your name, work email, phone number, company name and the number of employees you want to insure with Star group health insurance.
  3. After you submit the form, Pazcare’s health insurance consultants will connect with you within 24 hours. Communicate with us about your requirements for the tailor-made Star group health insurance policy. These requirements mostly include the type of policy, sum insured, etc.
  4. After giving us your requirements, we will get back to you with competitive group health insurance quotes from Star health insurance and a few other insurers.
  5. After you decide on the insurer, say Star group health insurance in this case, please accept the terms and conditions of the policy, you process the premium payment.
  6. The onboarding process for your Star group health insurance policy  is carried out within 24 hours of making the premium payment for a particular financial year.

For further information and queries, write to us at support@getpaz.com or call our customer care at +91 78291 11300.

Star group health insurance plan types

The Star group health insurance has 2 plan types. They are

  1. Group Arogya Sanjeevani Policy

 It is a comprehensive corporate medical insurance plan. The sum insured starts from rs. 1 lakh and goes upto Rs 10 lakhs. Pre-hospitalisation expenses of upto 30 days prior to the date of hospitalisation and post-hospitalisation expenses upto 60 days after hospitalisation is covered in this policy. However, this plan has certain limitations on covering the room rent and other expenses. Further, this policy has a waiting period to cover pre-existing diseases.

  1. Star Group Health Insurance

Star group health insurance plan is a fully customisable corporate medical insurance policy. The employer can customise the limits of cover like the room rent limits, pre-hospitalisation cover, post-hospitalisation cover, etc. Additionally, the sum insured can be decided according to the needs of the employees and the prescribed limit is upto Rs 1 crore. This plan can be purchased with or without the waiting period according to the needs of the organisation.

Why choose Star group health insurance as your insurance partner?

With more than 25 health insurance players in the insurance market, here is why you have to choose the Star group health insurance from Pazcare.

Easy claim settlement with In-house TPA

With a Star group health insurance policy, you do not have to depend on the external TPA. The claim settlement is done quickly with their in-house claim settlement team. 

12,000+ cashless hospitals

With 12,000+ cashless network hospitals, Star group health insurance company has a large network of cashless network hospitals in India. This means a cashless treatment facility is available to you near your geographical location.

Higher claim settlement ratio

The claim settlement ratio of Star group health insurance is 78.62% for the year 2019-2020. A higher claim settlement ratio indicates that Star group's health insurance policy is more reliable and more credible.

No medical screening

Unlike your retail health insurance policy, the Star group health insurance policy does not require a medical check-up before the policy purchase. 

Star group health insurance claim settlement ratio

Star health insurance claim settlement ratio (CSR) is the ratio between the number of claims settled by the insurer to the number of claims requested by the policyholders in a financial year by the health insurance company.  Hence, a CSR ratio can be calculated as

Claim settlement ratio = Number of claims settled/Number of claims made*100

Financial Year Claim settlement ratio
2019-20 78.62%
2018-19 78.52%

Network hospitals of Star group health insurance

All health insurance companies have a huge list of cashless network hospitals, where the policyholders can claim cashless treatment. Star group health insurance has around 12,000+ network hospitals located in pan India. Hence, higher the chances of finding a cashless network hospital near your geographical location.

Claim Star group health insurance

Star group health insurance cashless claim

With Star group health insurance you can make a cashless claim using the following steps.

  1. Visit the network hospital

The TStar group health insurance cashless claim facilities are available at a network hospital only. Hence, get to the nearest network hospital for treatment.

  1. Confirm your identity

Confirm your identity using the Star group health insurance ID card or policy number, a valid photo ID like an Aadhar card, voter ID, driving license, etc and the company ID at the hospital’s TPA desk.

  1. Submit the pre-authorisation form

Submit the pre-authorization form to Star group health insurance. For emergency hospitalization, the form is submitted within 48 hours of hospitalisation. In the case of planned hospitalisation, it is submitted 3 days before the hospitalisation. The TPA desk will help you with the process

  1. Review of request

After the form submission, Star group health insurance will review the cashless claim request and the network hospital will be notified about the claim.

  1. Claim settlement

Once verified and the Star group health insurance company accepts your claim request. The claim is settled directly at the network hospital according to the terms and conditions of your policy.

Star group health insurance reimbursement claim

In case you get hospitalised at a non-network hospital, the reimbursement claim from Star group health insurance can be carried out by the following steps.

  1. Inform the insurance company

The first step is to inform Star group health insurance company about the hospitalisation. In case of emergency hospitalisation, intimate within 48 hours and in case of a planned hospitalisation inform at least 3 days before the hospitalisation.

  1. Settle the bills

After you get treated at a non-network hospital, settle all the hospital bills and pharmacy bills out of your pockets at the non-network hospital.

  1. Collect all the originals

After you settle all the bills, make sure you have all the original copies of all the required documents to file for the Star group health insurance reimbursement claim. 

The documents required to file Star group health insurance reimbursement claim are

  • A duly filled claim form
  • Policy copy/health insurance ID card
  • A valid unique identity card (Aadhar card, driving license, etc.)
  • All original medical bills and pharmacy bills, discharge summary, doctor consultation report and prescription papers and any other relevant documents.
  1. Submit the documents

After collecting all the relevant documents, submit them to the Star group health insurance company.

  1. Claim processing

Once the documents are submitted, the Star group health insurance company will review your documents and reject or approve the reimbursement claim request. 

You can also contact us at support@pazcare.com, to guide you through the whole process of Star group health insurance reimbursement claim process. We provide 24X7 claim assistance for your employees. 

Star group health insurance renewal process

The Star group health insurance can be renewed easily with Pazcare at end of your policy term. Here are the steps to renew your Star group health insurance plan.

Step 1: Firstly, get in touch with Pazcare. Submit a basic form containing details like your name, name of the company, the number of employees you wish to insure, work email address and phone number to renew your Star group health insurance policy.

Step 2: Once the form is submitted, our consultants will get in touch with you. Since this is not a fresh policy, you will have to submit the following documents to renew your Star group health insurance plan for employees.

  • Active data of the employees - name, age, gender
  • Claim analysis report
  • Claim dump report from the insurer/TPA
  • Policy copy

Step 3: You can choose additional add-ons and riders to your existing policy like dental insurance riders, maternity insurance riders to your existing Star group health insurance policy. 

Step 4: Our consultants will get back to you with the competitive quotes for your Star group health insurance.  

Step 5: The next step is to agree to the terms and conditions of the policy and pay the premium for your Star group health insurance policy. The policy will be usually valid for a year after the renewal.

Step 6: In case, you are purchasing your Star group health insurance for the first time with Pazcare, the onboarding process will be carried out in 24 hours. During this period, our associate will get in touch with you and provide you with all the essential information to get started with your group health insurance. 

We make sure that your Star group health insurance experience will be seamless using our Pazcare dashboard. 

How is the Star group health insurance premium calculated?

The Star group health insurance premium is calculated based on certain factors. They are

Average age of the insured

The Star group health insurance premium is calculated based on the average age of the people insured. The younger the age, the lower the premium. This is because according to the insurance companies the younger generation poses lesser health risks. 

Type of plan

Different types of Star group health insurance policies opted are employee only (E), employee+spouse+children (ESC) and employee+spouse+children+parents (ESCP) plans. The number of people covered under the ESCP plan is more than the ones covered in the E plan, this means that the premium will be higher.

Nature of the job

The nature of the job one performs is also a factor considered to decide the annual premium of your Star group health insurance policy. Jobs associated with high risks will have a higher premium compared to the lower-risk jobs. 

Sum insured

It is the maximum amount that an insurance company will pay you in case of any hospitalisation in a particular financial year. So the higher the sum insured, the higher the premiums paid towards the Star group health insurance policy.

Riders opted

The riders opted for, say maternity insurance riders, dental insurance riders along with the existing Star group health insurance policy will increase your premium. 

What is covered under your Star group health insurance?

Your Star group health policy is tailor-made according to your preferences. Here is what it covers.

Pre-existing diseases

Your policy will cover all of your pre-existing diseases from diabetes, cancer, asthma, hypertension, etc from day 1 of your Star group health insurance policy coverage. This means there is no waiting period.

Pre and post-hospitalisation expenses

With Star group health insurance cover your pre and post-hospitalisation expenses are covered. The number of days to offer coverage can be customized in your Star group health insurance plan.

Maternity-related expenses

By opting for a maternity insurance rider with your existing Star group health insurance plan, you can cover the maternity-related expenses for a normal and c-section delivery. 

Covid -19 coverage

The Star group health insurance policy covers all hospitalisation expenses related to Covid-19. 

Accidental hospitalisations

In case of any hospitalisation expenses due to accidents, your Star group health insurance covers these. But these hospitalisations must be for more than 24 hours and coverage is limited to India only.

What is not covered under your Star group health insurance?

Cosmetic treatments

Cosmetic treatments like plastic surgery, liposuction, and botox are not generally covered in your Star group health insurance plan.

Gender-changing surgeries

Expenses due to gender-changing treatments or surgeries are excluded from your Star group insurance policy. 

Self-harm injuries

Injuries due to self-harm, like suicide and hospitalisation expenses for the same are not covered in this Star group health insurance policy.

Treatments for substance abuse

Treatment expenses due to substance abuse like drugs or alcohol are exempted from coverage in your Star group health insurance plan.

Star group health insurance benefits

Pre-existing diseases covered

With Star group health insurance, all your pre-existing diseases are covered from day 1 of the policy purchase. It means there is no waiting period to cover pre-existing illnesses like diabetes, asthma, hypertension, etc.

Tailor-made policy

Star group health insurance is a tailor-made group health insurance plan according to your company's needs. You can choose the type of policy, sum insured, or any other add-ons you require from the options given.

Easy and quick claims process

With an in-house claim settlement team in place for your Star group health insurance your claims can be processed at a faster pace as the external TPAs are not involved. 

Sum insured up to 1 Crore

Depending on the type of policy and the coverage you require, your sum insured can be decided up to Rs 1 crore. This means there is a scope to cover your medical treatment expenses without having to worry about exhausting the sum insured limit.

Star group health insurance claim process

1

Intimate the insurer

Intimate your claim to the Star group health insurance company within 24 hours, in case of an emergency and at least 3 days prior in case of a planned hospitalisation.

2

Verify your identity

Provide the proof of identity - policy number/health insurance ID card of your Star group health insurance, company ID and a valid unique govt. ID card.

3

Submit the pre-authorization form

Fill out the pre-authorization form and hand it over to the hospital. The TPA desk at the hospital will help you with the process.

4

Claim settlement

Once the details are verified by the Star group health insurance company, the claim will be settled directly at the network hospital.

5

Contact us for assistance

For any questions or claim-related assistance contact Pazcare at support@getpaz.com or call us at +91 78291 11300.

1

Intimate your insurer

Intimate your claim to the Star group health insurance company within 24 hours, in case of an emergency and at least 3 days prior in case of a planned hospitalisation.

2

Settle your bills

Settle all your hospital bills and collect the original copies of hospital bills, doctor consultation reports and other essential documents.

3

Submit the documents

Submit these original documents along with the claim form to Star group health insurance company.

4

Claim settlement

Once verified, the claim will be settled in your bank account directly.

5

Contact us for assistance

For any questions or claim assistance contact Pazcare at support@getpaz.com or call us at +91 78291 11300. We will guide you through the process.

Star group health insurance cashless network hospitals

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Why buy a group health insurance
policy online from Pazcare?

  • Choose the suitable policy with our consulting approach
  • Custom-made plan with health and mental wellness add-ons
  • The tech-enabled Pazcare dashboard to manage endorsements
  • Integrate the dashboard with your HRMS tool

Star group health insurance customer care number

For any queries or assistance, reach out to us at any time. We provide 24X7 customer assistance.

Star group health insurance

044 43664666

Available 24X7

Star group health insurance FAQs

How to calculate Star health group insurance for employees premium chart?

The Star health group insurance for employees premium chart is calculated based on certain factors. Some are

  1. The average age of the employee - the insurance company feels, that the lower the age, the lower the health risks. Hence, the higher age of the insured means higher premiums.
  2. Type of plan opted - there are different policies like there are ones that cover only the employees, the employees, children and parents. Hence, if more people are offered coverage, then higher premiums are levied.
  3. Sum insured - higher sum insured contributes to higher premiums
  4. Type of job - high-risk jobs lead to higher premiums. For example, an employee working in an IT sector will have lower premiums than the ones working in a manufacturing industry.

What are the factors that affect the Star Health group insurance premium?

The premium of Star Health group insurance is determined by factors like the number of employees working in your organization, their occupation, age, number of dependents covered, age of the dependents, and the type of cover opted.

Where do I find the Star group health insurance hospital list?

Find the Star group health insurance hospital list based on your city here under the network hospitals section.

What is the Star group health insurance claim settlement ratio?

The Star Birla group health insurance claim settlement ratio for the years 2019-20 is 78.62 %.

What is Star group health insurance customer care number?

The Star group health insurance customer care number is 044 43664666. You can also email them at support@starhealth.in