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Edit

About Us

We must explain to you how all seds this mistakens idea off denouncing pleasures and praising pain was born and I will give you a completed accounts off the system and expound.

Contact Info

group health insurance

Star Health
Health Insurance

Star health & Allied Insurance Co. Ltd is India’s standalone insurance provider. It established its operations in the year 2006 and has been providing services in health, personal accident and overseas travel insurance. The company has around 6,865.14 crores of underwritten premium for the year 2019-20. The company has an inhouse claim settlement department that eliminates the hassle of getting claims settled.

Claim Ratio

90%

Solvency Ratio

1.88

Network Hospital List

9000+View

Features and Benefits of Star Health

Group Health Insurance

The major benefits that you receive while opting for Star Health Insurance are

Tax Benefits According to the Income tax act of 1961, under Section 80 D the premium paid for the health insurance allows one to claim tax deductions. For senior citizens the deductible limits are from RS.25,000 to Rs. 50,000.
Additional protection for employee coverage If your employer provides you Group Health Insurance plan from Star health, you can enhance the coverage benefits and the sum insured of your existing plan by opting for individual health insurance plans from Star Health.
Free health check-up An individual can keep track of their health by availing the free health check-ups that are being provided along with the Star Health insurance policies. However, depending on the plan opted the coverage for health check-ups may vary.
Alternative treatment coverage Depending on the type of plan opted from Star health, the cost of alternative treatments like Homeopathy, Ayurveda will be covered under the health insurance plan. Based on the plan the upper limit of the coverage can be Rs. 15,000 or Rs. 25,000.
Cashless claims benefit Cashless claim benefit can be availed in the network hospitals, where the company settles the medical bills directly to the hospital itself. The Star Health insurance company has tied up with more than 9800 hospitals and these hospitals provide cashless claims. Also the company has inhouse claim settlement department, which eliminates the hassles of getting the claim settled through TPAs.

Star Health Insurance Plans

Star Health Comprehensive Insurance policy


This comprehensive health plan covers pre and post-hospitalization charges from diagnostic tests before hospitalization to medication charges after discharge. Day care treatments like dialysis, chemotherapy etc., are also covered. Free health check-ups every year, full coverage even if you are hospitalized at home, maternity insurance are few of the other perks that are offered under this plan. You can also cover pre-existing diseases like diabetes after one year of policy purchase by paying an additional premium. A coverage of upto Rs.15,000 is offered for alternative treatments like Ayurveda. This is slightly on the expensive side but worth the premium paid.

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Star Health Family Health Optima


This policy is pretty reasonable when it comes to the coverage it offers and the cost of the premium paid. The hospitalization charges upto the sum insured is fully covered by the insurer until you turn 61, after that you have to pay 20% of the bill every time. Pre and post hospitalization charges and day care treatments are covered under this policy. The pre-existing diseases are covered only after 4 years of waiting period which is slightly long. Alternative treatments like Ayurveda, Homeopathy etc are covered upto Rs. 15,000.

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Star Health Gain Insurance Policy


The policy covers pre hospitalization and post hospitalization charges from diagnostic tests to other expenses even upto 60 days after discharge. Day care treatments are covered. Until you turn 61, the insurer pays the entire bill amount upto the insured sum. However, after that one has to pay 20% of the bill. However, the downside of the policy is that pre-existing diseases will be covered only after 4 years of waiting period, the maximum sum insured is 5 lakhs and it won’t exceed that and the insurer won’t cover the room rent if the rent exceeds 1% of the sum insured.

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Star Health Medi Classic


This policy is not too expensive yet does a pretty decent job. The insurer pays the full bill amount upto the sum insured until you turn 61 years. After that the bill is splitted where you pay 10% of the bill and the rest is covered by the insurer. The day care treatments that require less than 24 hours of hospitalization are covered. The pre and post hospitalization charges are covered under this plan. Alternative medical treatments like Ayurveda, Homeopathy are covered upto Rs. 25,000. However, there are room rent restrictions and a long waiting period of 4 years to cover pre-existing diseases.

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Star Health Medi Classic Gold


This is a policy with pretty good coverage and it is not too expensive. Covers pre and post hospitalization charges. Even if you can opt for a single room, you will be covered under the policy. It also offers a good claim restoration benefit. For every no claim year the insured sum increases by 25% and it stops once you reach a 100%. Free health check-ups each year and day care treatment coverage are some of the other perks in the policy. Full coverage is provided for home hospitalization as well. But the pre existing diseases will be covered after a 4 year long waiting period.

Download Policy Brochure

Looking for group

health insurance plans for

your employees?

Group Health Insurance over Individual Health Insurance

Looking for group

health insurance plans for

your employees?

Group Health Insurance over Individual Health Insurance

FAQ's

  • Visit the Star Health Insurance website
  • Click on the Renewals tab
  • Fill in the policy details and date of birth
  • Complete your online payment
The comprehensive plan in star health insurance covers dental treatment.
  • Visit https://www.starhealth.in/claims
  • Click on the claim status tab.
  • Enter the intimation number and ID card number.
  • After this you can view the claim status.
The health Insurance covers all diagnostic tests like X- ray, MRI, blood tests etc as long as the patients stay in the hospital for at least 24 hours. Any diagnostic tests which do not lead to treatment are generally not covered.
Yes, senior citizens can be covered under Star Senior Citizen policy. If they have not undertaken any IP treatment in the last 12 months, they shall be covered for diabetes at 50% co-pay.
Yes, foreigners who are living in India can be covered under a health insurance policy. But the coverage is restricted to India.
Any number of claims upto the sum insured can be claimed in a year.

Star Health insurance contact details

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