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About Star Health Insurance

Star Health and Allied Insurance Company Limited, India’s first separate and only Health Insurance provider, Limited is a joint undertaking between 5 renowned companies which were approved by IRDA- Insurance Regulatory Development Authority which is the governing body in India for all insurance companies. Star Health Insurance was established in India way back in 2006 with exposure in various fields of insurance like health insurance, overseas Mediclaim policy, personal accident plans etc. The company provides an extensive range of health insurance products to all individuals across various sections of society.

Star Health Insurance Review

  1. The company has a huge network of 11,000 plus hospitals available for cashless hospitalization in India with 640 plus branch offices
  2. The Young Star Insurance Policy by Star Health Insurance was awarded the ‘Most Innovative New Product of the Year’ at ASSOCHAM’s Insurance E Summit and Awards 2020
  3. Through its specialized application “Talk to Star App”, Star Health has introduced a high-grade telemedicine facility that is open for all
  4. In-house claim settlement unit
  5. The Claim Settlement Ratio of the company for the financial year 2018-19 was 90%
  6. Grievances solved is at 98.72%
  7. The Gross written premium is INR 6,865 crores for the financial year 2019-20, and the net worth as of 31st March 2020 was INR 1889 crores
  8. Employee strength of more than 12,800

Star Claim Settlement Ratio




Industry Average

Health claim settlement ratio is the percentage of claims settled against the total claims received by the insurance company in a given fiscal year. Star has a claim settlement ratio of 99.06%, as compared to the industry average of 94.21%.

Star Health Insurance Plans Overview

Star health insurance offers 10 health insurance plans. The premium of these plans starts from Rs. 1500/yr. The sum insured ranges from Rs. 50,000 - 2 Cr. Details of the comprehensive coverage provided by the following 10 Star health insurance plans are listed below:

Star Arogya Sanjeevani Policy

Starting Premium- 2,880/Yr

Eligible Age

91 days - 65 years


50,000 - 10 Lakh

Star Assure Policy

Starting Premium- 1,500/Yr

Eligible Age

16 days - 75 years


5 Lakh - 2 Cr

Star Cardiac Care Gold Policy

Starting Premium- 18,790/Yr

Eligible Age

10 years - 65 years


3 Lakh - 4 Lakh

Top Features From Star Health Plans

Star Health Insurance Review Benefits

  • Tailormade plans as per the necessity of the customer
  • Reasonable price with transparency
  • The company has paid out around INR 17, 211 crores as the claim amount and also settled over 90% of the cashless claims within 2 hours
  • Ever since its inception, Star has settled over 5.2 million claims
  • With an agent strength of over 3.6 lakhs, the company has established a strong network across the country
  • Progressive and various plan structures and easy to choose features
  • Cashless treatment in more than 11,000 network hospitals in India
  • Hassle-free claim settlement conveniences without any 3rd party involvement.
  • Top class and swift service
  • More than 400 branches are present in India
  • 24*7 assistance call centre toll-free no 1800 425 2255/1800 102 4477
  • Effective Complaint redressal forum

Exclusions Across Star Health Plans

  • During the initial 30 days from the commencement of the policy date, diseases contracted by the insured individual. This exclusion will not be applicable in the case of the insured individual who is already covered under any other individual plan or any group health insurance plans for a nonstop period of previous 12 months without any break
  • Treatment or surgery for tooth unless those were required due to an accident caused needing hospitalization. Implantation of the tooth is also not covered
  • Recuperation, general weakness, or rest cure, lack of Nutrition conditions
  • Disorders in Mental, Psychiatric, and behavioural state
  • Deliberate self-damage
  • Intoxication, use of drug or alcohol, tobacco chewing and smoking
  • STD Disease and Venereal Disease
  • Injuries or diseases which are directly caused or may be caused indirectly by or arising due to invasion, war, the act of a foreign enemy, (irrespective of the war is actually announced or not)
  • Injuries or diseases which are directly caused or may be caused indirectly by nuclear materials or weapons
  • Injuries or diseases which are directly caused or may be caused indirectly by nuclear materials or weapons
  • The expenditures for cataract treatment, or treatment for glaucoma, retinal detachment or macular degeneration, disc (except which is caused due to an accident), varicose veins and varicose ulcers, expenses for treating benign prostatic hypertrophy, sinus treatments, treatment for tonsil, Chronic Suppurative Otitis Media and connected diseases etc.
  • Any treatments for example conservative, a laparoscopic treatment, treatment for interventional for Hepatobiliary gallbladder disease and genitourinary calculi and pancreatic issues
  • Treatments for diseases like interventional, laparoscopic conservative, and open for Uterine prolapse,Non-Functional Uterine Bleeding, treatment for Pelvic Inflammatory Diseases, treatment of diseases of Gynaecological disorder of fallopian tubes together with ovaries
  • Traditional and operational treatment of bone diseases except for those which are caused due to an accident

Star Premium Calculator

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Star Customer Care

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Star Claim Process

Star supports both cashless claims and reimbursement claims. This section covers the information on how to check Star health insurance claim status, fill Star health insurance claim form, and the claim settlement process.

  1. Visit the insurance desk of the network hospital
  2. Display the ID card for the purpose of identification
  3. The Network hospital will verify the identity post which the pre-authorization form is submitted to the insurance company
  4. A doctor will evaluate the required documents and process the claim as per the terms and conditions of the health insurance plan
  5. A nominated field doctor to make the hospitalisation simple
  6. The claim will be settled post completing the required procedures and as per the terms and conditions of the insurance policy

  1. A nominated field doctor to make the hospitalisation simple
  2. All hospital bills to be paid after discharge and all original documents of treatment and costs incurred to be collected
  3. The Star Health Insurance Claim form needs to be filled and submitted together with all the original documents to the nearby Star Health branch office
  4. The claim will be settled as per the terms and conditions of the policy

Star Health Insurance Renewal Process

A health insurance policy usually stays valid for 1 year after which it requires renewal. However, there are plans which offer 2 to 3 years of validity at extra costs. If a health insurance policy is not renewed timely, it lapses and the policyholder loses all the accumulated benefits. Moreover, there is a renewal window of 7-30 days beyond the policy tenure to allow policyholders a grace period to renew the plan and to protect the continuity benefits such as the waiting period and NCB or No Claim Bonus.

Here, you may also note that for every claim-free year, Star Health insurance policyholders can avail of an NCB of 50% on the sum insured, which can go up to a maximum of 100%. Thus, policyholders who haven’t raised a claim during a policy term can expect a reward in the form of a boost in the coverage bandwidth without an increase in the premium price.
Let us now take a look at the steps to renew a Star Health insurance policy online:

  1. Visit the official portal of the insurer for Star Health policy renewal online
  2. Select the 'Renewal’ button on the homepage
  3. Submit your policy details and date of birth and click on the ‘Continue’ button
  4. You can see the renewal amount to be paid on the page that appears
  5. Make the payment using any online payment mode
  6. Once done, you will receive the documents of Star Health policy renewal on your registered email ID


There is no such limit on the number of Star Health Insurance Claims which an insured can take in a year, however, the limit is on the Sum Insured which is the maximum permissible amount in any policy which one can avail of.

A Health Card is similar to the identity card which helps one to get the cashless facility at the network hospitals.

Yes, you can, however, the coverage will only be applicable in India.

Yes, the premium paid under the health insurance plan is exempt under the Income Tax Act, 1961.

The following factors need to be considered which are:

  1. Need to check for the waiting period
  2. Need to check for the pre-existing disease coverage
  3. Need to check the exclusions
  4. Need to check the room rent

eIA means an Electronic Insurance Account wherein all your insurance policies can be stored in a centralized manner. You can opt to open an eIA account with Star Health Insurance by filling up and submitting the account opening form available with the company. once your eIA account is opened, all your policies would be electronically stored in the account. Star Health would allot you a number for the eIA account which would be your eIA number. You can quote this number when buying insurance from other companies and the policies issued would be digitally stored in the eIA account.

To make premium payments of your Star Health Insurance policy online you can use credit cards, debit cards, net banking facility, NEFT or RTGS, mobile wallets and UPI platforms.

To make a valid claim in your Star Health Insurance policy you should contact the insurance company immediately and follow the stipulated claim process. The process has been described above which you can follow and get your claims settled. You can also make a claim through Turtlemint and Turtlemint would follow the claim process on your behalf and get your claims settled at the earliest.

Star Health is a reputed health insurance provider in the Indian insurance market which offers a range of comprehensive health insurance plans. The plans offered by the company have inclusive coverage benefits at affordable premiums. Moreover, the company has a network of more than 9900 hospitals for easy cashless claims and approves 90% of such claims within 2 hours. In-house claim settlement also ensures that your claim process is smooth and hassle-free. Given these reasons, you should buy Star health insurance plans.

The requirement of pre-entrance medical check-up depends on your age, the sum insured that you choose and the type of policy that you buy. Under many plans, medical check-ups are not needed up to 45 years of age. Some plans do not need check-ups even up to 55 years of age and in senior citizen policies, there is no need for medical check-ups. However, if you opt for high sum insured and/or have an adverse medical condition, medical check-ups might be needed. So, the requirement of medical check-ups varies across plans and the underwriting principles followed by the company.
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