Star Health Insurance

Top Star Health Insurance Plans

The top health insurance plans offered by Star Health Insurance are listed below:

1 .Star Insurance Smart Health Pro Plan

Star Health and Allied Insurance has launched Smart Health Pro, a health insurance policy available exclusively online. This unique policy allows customers to personalize their coverage by selecting from five optional add-on covers. Tailored to meet the evolving needs of India's digitally savvy population, the policy allows individuals to choose a sum insured ranging from Rs.5 lakh to Rs.1 crore, according to their specific requirements.

The benefits of Smart Health Pro are:

1. Unlimited automatic sum insured replenishment: The chosen sum insured will be automatically restored an unlimited number of times, up to a maximum of 100 percent each time. This renewed sum insured is applicable for subsequent hospitalizations. The restoration feature activates upon partial or full utilization of the coverage limit. The restored sum insured can be utilized for all claims, including subsequent hospitalizations.
2. Cumulative bonus enhancement: Earn a 50% increase in the sum insured for every claim-free year, with a maximum accumulation of up to 600% of the sum insured.
3. Room category flexibility: The insured individual has the flexibility to upgrade or downgrade the room category from a private single AC room to any other room or shared accommodation.
4. Reduction of pre-existing diseases waiting period: The insured individual can reduce the waiting period from 48 months to 36/24/12 months.
5. Inclusion of non-medical items in coverage: Items classified as non-medical, typically excluded from insurance coverage and falling under consumables, will become eligible for payment with this new optional cover. This applies when there is an admissible claim under the policy for inpatient or day-care treatment. 

The features of Smart Health Pro are:

2.Star Diabetes Safe Insurance Policy

The Star Diabetes Safe Insurance Policy covers in-patient hospitalisation due to diseases, accidents, and complications from Type 1 or Type 2 diabetes. Individuals having a history of diabetes can buy this policy. The plan provides individual and family floater coverage for complications related to diabetes as well as for any other illnesses requiring hospitalisation for a full day.

3. Star Cardiac Care Insurance Policy 

The Star Cardiac Care Insurance Policy is a special health insurance plan for people who have had heart surgery or have been diagnosed with a cardiac condition. Individuals between the ages of 7 years and 70 years are covered under this plan.

4.Star Comprehensive Insurance Policy

With a lifetime renewal benefit, the Star Comprehensive Insurance Policy can cover an individual or a family. This plan offers multiple sum insured options.

5. Star Senior Citizens Red Carpet Health Insurance Policy

The Star Senior Citizens Red Carpet Health Insurance Policy is best suited for senior citizens between the ages of 60 and 75 years. A lifelong renewal option is included with the policy, which covers a variety of daycare procedures and treatments, modern treatments, and pre-existing conditions.

Process to Buy Star Health Insurance Policy

The steps to buy a Star Health Insurance plan online are listed below: 

Step 1: Visit the official website of Star Health Insurance. 

Step 2: Click on the ‘Buy Now’ button.

Step 3: Enter all the requested information.

Step 4: Select an insurance plan as per your requirement.

Step 5: Pay the premium.

Step 6: You will receive the policy documents at your registered email address.

Process to Renew Star Health Insurance Policy

You can easily renew your Star Health Insurance plan online at your convenience. The steps to renew your Star Health Insurance plan online are as follows:  

Step 1: Visit the official website of Star Health Insurance.

Step 2: Click on the ‘Renew’ option.

Step 3: Enter your date of birth and policy number. 

Step 4: Click on the ‘Submit’ button.

Step 5: Make the premium payment.

Step 6: A renewal copy of your Star Health Insurance plan will be sent to your registered email address.

Star Health Insurance Cashless Claim Process

Star Health Insurance offers a simple process to ensure prompt processing of all settlements. You can make a claim in two ways – cashless claim and reimbursement claim.

The claim settlement process for a cashless claim is mentioned below:

Step 1: Go to the network hospital's insurance desk. You can call 1800 425 2255 | 1800 102 4477 or send an email to support@starhealth.in to intimate Star Health Insurance.

Step 2: At the hospital reception, present your Star Health ID card for proof of identity.

Step 3: Submit the relevant documents such as doctor consultations and pre-admission investigations.

Step 4: Your identity will be confirmed by network hospitals, who will then submit a properly completed pre-authorization form to Star Health Insurance.

Step 5: All of the submitted documentation will be verified by the doctors before the claim is processed.

Step 6: If necessary, a field doctor assigned to the case might see the patient at the hospital.

Step 7: Following discharge, the hospital will submit the claim documentation to Star Health Insurance. The insurer will pay the hospital the authorised sum. 

Star Health Insurance Reimbursement Claim Process

Reimbursement claims can be made at both network and non-network hospitals. The steps to file a reimbursement claim are listed below:  

Step 1: Notify Star Health Insurance within 24 hours of being admitted to the hospital.  

Step 2: Take the treatment and pay the medical bills.   

Step 3: File a reimbursement claim.   

Step 4: Submit the claim documentation to Star Health Insurance within 15 days of discharge.  

Step 5: Your claim will be processed after the verification of your documents.   

Step 6: The amount will be reimbursed to your registered bank account upon approval. 

Documents Required for Star Health Insurance Cashless Claim

Here is a list of documents needed to file a cashless claim with Star Health Insurance: 

1. Health card
2. Summary of Discharge

1. Pharmacy invoices accompanied by prescriptions
2. Doctor's consultation papers
3. Investigation reports (X-rays, blood reports, scans, etc)
4. Insured’s KYC documents (for claim amount above Rs.1 lakh)
5. Medico-Legal Certificate (MLC) and or FIR in the event of an accident

Note: You must submit all original documents except for the health card.

Documents Required for Star Health Insurance Reimbursement Claim

The documents required in a reimbursement claim settlement process are as follows: 

1. Health card
2. Completed claim form
3. Discharge summary
4. Pharmacy invoices accompanied by prescriptions
5. Doctor's consultation documents and pre-admission investigations
6. Investigation reports (X-rays, blood reports, scans, etc)
7. Receipts from the hospital and the chemist
8. KYC documents
9. NEFT information, contact information, and email address
10. Medico-Legal Certificate (MLC) and or FIR in the event of an accident

Star Health Insurance Inclusions

Here is a list of expenses covered under Star Health Insurance plans

1. With medical expenses constantly rising, Star Health Insurance plans cover pre- and post-hospitalisation costs associated with in-patient hospitalization. 
2. Hospitalisation costs associated with illness or accidents including room rent, doctor consultation fees, ICU charges, surgery charges, etc., are covered. 
3. Surgery and treatment periods that once required a lot of time have been reduced because of advances in technology. Therefore, daycare procedures and treatments are covered by health insurance policies. 
4. Domiciliary treatments carried out at home on the doctor's recommendation are covered by Star Health Insurance plans. 
5. Road traffic accident-related inpatient hospitalisations are typically covered by mediclaim plans.
6. The costs associated with a health check-up are also covered by medical insurance policies along with hospitalisation.
7. Health insurance plans also cover treatments from alternative medical systems like Ayurveda, Unani, Homeopathy, Yoga & Naturopathy, Siddha, etc.
8. In case your medical bills cost more than your Sum Insured, the restoration benefit automatically restores 100% of your Sum Insured after it has been fully or partially exhausted.

Star Health Insurance Exclusions

Here are the exclusions of Star Health Insurance:

1. Self-inflicted injuries are not covered under health insurance policies.
2. Health insurance policies do not cover expenses that occur as a result of cosmetic or plastic surgery performed to improve one's appearance.
3. Expenses related to health issues brought on by engaging in risky or adventure sports will not be covered.
4. The majority of health insurance policies do not provide coverage for expenses related to the management of obesity or weight loss.
5. The expenses associated with the purchase of eyeglasses, wheelchairs, crutches, hearing aids, and other similar aids will not be covered by Star Health Insurance policies.
6. Dental treatments or procedures will not be covered unless they are required because of accidents that result in hospitalisation.

Star Health Insurance Customer Care

Star Health Insurance customer service works round the clock to provide constant support to its customers. In case of any queries or issues, you can avail assistance from the insurer in any of the ways listed below: 

1. Buy Plan: 1800 425 2255
2. Renew Plan: 1800 102 4477
3. Claims Helpline: 044 6900 6900
4. Corporate: 044 4366 4666
5. Grievance: 044 4366 4600
6. Senior Citizen Claims: 044 4002 0888
7. Senior Citizen Grievance: 044 6900 7500
8. WhatsApp number: +91 95976 52225
9. Email address: support@starhealth.in, claims@starhealth.in

Read More on >> Star health insurance customer care

Benefits of Star Health Insurance

The benefits associated with buying Star Health Insurance plans are listed below: 

1. The products are customer-centric and designed to cater to the needs of a diverse group of individuals.
2. The insurer offers medicines at lower prices online. It has store picks as well as home delivery in 2,780 cities across the country.
3. You can dial 7676 905 905 to avail free phone, chat, or video call consultations with the insurer’s expert doctors. 
4. You can participate in wellness programs to earn rewards for staying fit. The rewards can be redeemed to receive renewal discounts.
5. You can access 1,635 diagnostic centres all over India as well as the facility of health check-ups at home and home pickup of lab samples.
6. Hospitals that have partnered with Star Health offer smooth cashless services. The approval procedure is easy and quick.
7. You can file reimbursement claims if you receive treatment in non-network hospitals.
8. Star Health Insurance relies on the in-house claim team rather than the Third-Party Administration (TPA) to facilitate a faster claim-settling process during the most critical hour.

List of Health Insurance Plans Offered by Star

The various health insurance policies offered by Star Health Insurance are listed below:

Star Health & Allied Insurance Network Hospitals

Star Health and Allied Insurance has tie-ups with multiple hospitals across the country where policyholders with a Star Health Insurance policy can avail cashless hospitalisation as well as reimbursement facility.

To locate a network hospital near your home, select your state and city from the drop-down box on the online Network Hospital Locator. You will get a list of network hospitals with contact details instantly. Star Health Network Hospital members can avail cashless transactions and get package rates for identified procedures.