
Star Health and Allied Insurance Co. Ltd. provides Star Health Insurance plans, which started as a joint enterprise with Allied Insurance in 2006. They offer a wide range of health insurance plans that cover hospitalization expenses, medical check-ups, critical illnesses, maternity expenses, AYUSH treatments, OPD treatments, ambulance charges, second medical opinion, etc.
Moreover, Star Health Insurance also offers customized Mediclaim plans for senior citizens, autistic children, women, cancer patients, heart patients, diabetes patients, HIV AIDS patients, and people with special needs. The insurer is also the first in the industry to offer maternity coverage to existing pregnant women.
CONTENTS AVAILABLE AT THIS PAGE
- 1 Star Health Insurance Plans
- 2 Why Should You Buy Star Health Insurance Plans?
- 3 How to File a Claim with Star Health Insurance Plan?
- 4 Documents Required for Star Health Insurance Claim
- 5 How to Buy Star Health Insurance Plans?
- 6 How to Renew Star Health Insurance Plans?
- 7 How to Calculate Star Health Insurance Premium?
- 8 Star Health Insurance Portability
- 9 Contact Details of Star Health Insurance
Star Health Insurance Plans
Star Health & Allied Insurance Company offers customers a comprehensive range of health insurance plans. The list of various health insurance plans offered by Star Health is given below:
Plan Name | For | Min. Age | Max. Age | Min. Coverage | Max. Coverage |
---|---|---|---|---|---|
Star Comprehensive Insurance | Family | 3 months | 65 Years | ₹ 5 Lakh | ₹ 1 crore |
Star Family Health Optima | Family | 16 days | 65 Years | ₹ 5 Lakh | ₹ 25 lakh |
Star Health Super Star Insurance Plan | Individual | 91 days | No age limit | ₹ 5 Lakh | Unlimited |
Star Senior Citizens Red Carpet Insurance | Senior Citizens | 60 Years | 75 Years | ₹ 1 lakh | ₹ 25 lakh |
Why Should You Buy Star Health Insurance Plans?
Star Health Insurance plans ensure that you and your family receive the best medical treatment at any hospital you choose without any financial burden. Check out some of the reasons why buying a Star health insurance policy is a good idea:
Customized Plans – Star Health & Allied Insurance company offers several health insurance plans customized to the needs of different individuals, including women, senior citizens, diabetes patients, heart patients, cancer patients, autistic children, people with special needs, and HIV AIDS patients
Attractive Benefits – With Star health insurance plans, you can access a wide range of unique and attractive benefits, including chronic severe refractory asthma cover, home care treatment, consumables cover, recharge benefit, hospice care, air ambulance cover, additional sum insured for road traffic accident and cumulative booster bonus.
No Pre-acceptance Medical Screening – Most Star health plans do not require policyholders to undergo a medical screening before buying the policy.
Cashless Everywhere Facility – The insurer allows you to avail cashless treatment at any hospital of your choice with the ‘Cashless Everywhere’ facility.
Round the Clock Assistance – The insurance company comes with a dedicated customer support team that is available 24×7 for assistance.
Quick Settlement of Claim – The Star Health & Allied Insurance Company boasts of settling 90% of cashless claims within 2 hours with the help of its in-house claims team.
Available for NRIs – Buying Star Health Insurance for NRIs is a great idea for non-resident Indians living abroad who keep visiting India or plan to move back permanently after a few years.
Tax Benefits – If you buy a Star health insurance policy, you can claim tax deductions on the premium amount under Section 80D of the Income Tax Act
How to File a Claim with Star Health Insurance Plan?
If you want to file a claim with Star Health Insurance, follow the steps mentioned below:
Intimate the Hospital:
Inform Star Health & Allied Insurance Company about your planned hospitalization at least 48 hours in advance and emergency hospitalization within 24 hours.
Display the Required Documents:
Visit the insurance desk at the hospital where you are undergoing treatment and display your Star Health ID card for identification purposes.
The hospital will cross-check your identity and submit the duly filled pre-authorization form to Star Health & Allied Insurance Company. They may also submit a few documents as per requirement.
Claim Processing:
The in-house Claim Settlement team of the insurance company will evaluate the documents and process your cashless claim request
Settlement of Claims:
Obtain your treatment and pay the bills that are not covered by your insurer during discharge. After the completion of the necessary formalities, the insurer will pay the claim amount to the hospital according to the policy terms and conditions.
Note: For reimbursement claims, inform the insurer about your planned or emergency hospitalization within the stipulated time. Obtain treatment and pay the entire hospital bill at the time of discharge. Submit all the required medical documents to the insurer within 15 days of being discharged from the hospital. The in-house Claims Settlement team will review your documents and pay the claim amount to you.
Documents Required for Star Health Insurance Claim
Here is the list of documents to be submitted at the time of filing a Star health insurance claim:
- Treating doctor’s certificate
- Original chemist bills with prescription
- Duly filled and signed Star health insurance claim form
- Original medical bills, hospital discharge certificate, and payment receipts
- Medical test and investigation reports with payment receipts
- Surgeon’s bills and payment receipts
- Nature of the surgery/operation
- FIR/Self-declaration/ Medico Legal Certificate (MLC) in case of an accidental hospitalization
- NEFT and KYC details
How to Buy Star Health Insurance Plans?
Star health insurance plans can be purchased online in a few simple steps as given below:
- Step 1: Visit Policybazaar.com and click on the ‘Health Insurance’ icon
- Step 2:Â Select your gender along with the family members you want to insure and enter their ages
- Step 3:Â Select your city or enter your PIN code
How to Renew Star Health Insurance Plans?
Here are the step-by-step guidelines for Star Health Insurance renewal online:
- Step 1:Â Go to Policybazaar.com and click on the ‘Health Renewal’ option under the ‘Renew Your Policy’ tab.
- Step 2:Â Fill out your registered mobile no. and the OTP received on your phone.
- Step 3:Â After logging in, select your Star health insurance policy and cross-check its details.
- Step 4:Â Pay your Star Health Insurance renewal premium online via net banking, credit cards, debit cards, or using wallets.
- Step 5:Â You will get your Star health insurance renewal policy on your registered email ID.
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How to Calculate Star Health Insurance Premium?
You can use a Star Health Insurance premium calculator online to calculate the yearly premium for a health policy. All you need to do is provide a few vital details, including your city of residence, family members to be insured and the desired sum insured. You can use the health insurance premium calculator given below to calculate the estimated annual premium amount for the Star Health Insurance plan you intend to buy:
Star Health Insurance Portability
Customers of other insurance companies can easily port to a Star health insurance policy online with the help of the portability feature. All they need to do is choose a Star health policy they want to buy, fill out portability & proposal forms, and pay the premium on Policybazaar.com. The insurer will accept/reject your portability request within 15/30 days.
Generally, raising a portability request around 45 days before your current policy expiry date is recommended. Moreover, documents, such as renewal note of expiring policy, previous policy documents, etc., must be submitted to process your portability request.
Contact Details of Star Health Insurance
Take a look at the Star Health Insurance contact number below:
Categories | Contact Details |
Customer Care No. | 044 6900 6900 (For policy purchase) |
Customer Care Toll-free No. | 1800 425 2255 (For purchase) 1800 102 4477 (For renewals) |
Senior Citizen Helpline No. | 044 4002 0888 |
Customer Grievance No. | 044 4366 4600 044 6900 7900 (For senior citizens) |
Whatsapp No. | +91 95976 52225 |
Customer Care Email ID | [email protected] |
FAQs:
Q.1 Which diseases are covered in Star Health Insurance?
Ans:Â The following diseases are covered by Star Health Insurance plans:
Diabetes
Cancer
Heart diseases
Autism
COVID-19
Genetic Disorder
HIV/AIDS
Infertility
Dengue
Thyroid
Tuberculosis
Malaria
Critical illnesses like stroke, Alzheimer’s Disease, etc.
Congenital internal disorder
Hernia
Piles
Cataract
Sinusitis
Fistula
Q2. Is MRI scan covered by Star health insurance?
Ans:Â Yes. Star health insurance covers the cost of an MRI scan, depending on your policy terms and conditions.
Q3. How to check the Star Health Insurance policy claim status?
Ans:Â You can contact Star health insurance customer care to know the current status of your claim. Alternatively, you can check the claim status of your Star health policy online by following the steps given below:Visit the official website of the Star Health & Allied Insurance Company.
Under the ‘Claims’ tab, hit the ‘Claim Status’ button.
Enter your Star Health Insurance policy number, Health ID card number or claim intimation number, and hit the ‘get claim status’ button.
The current status of your claim will be displayed on the screen.
Q4. Is there any limit to the number of Star Health Insurance claims filed in one year?
Ans:Â No. There is no limit on the number of claims a policyholder can file under the Star health policy in one year. However, you can file claims only up to the sum insured limit of your policy.
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