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Learn about Star Health Insurance

Star Health & Allied Insurance Company was founded in 2006. It has over 10000+ employees and a presence in over 550 cities in India. The company has a vast network of 9000+ hospitals all across the nation and has settled over 49 lakh claims.

Star health insurance has also won numerous awards for its performance within the insurance industry. Some of the notable honors include ‘Best Insurance Provider’ by Outlook Money Awards 2017 and Health Insurance ‘Company of the year 2017’ by Finteleket Insurance Awards.

Star Health offers a plethora of health insurance plans ranging from senior citizen’s plans, health plans for autistic children, critical illness plans, COVID care packages, and much more. The insurer strives to offer the best health packages, providing its customer’s top-quality medical treatments at a budget-friendly premium.

Company Highlights

Network Hospitals9,900+
Claim settlement Ratio90% (2019-2020)
contactToll free number- 1800 425 2255 / 1800 102 4477


Star Health Insurance Plans

Plan NameAbout The Plan
Star Comprehensive Insurance plansThis is a health policy that offers comprehensive cover to an individual. It insures against major hospitalization expenses at an affordable premium.
Senior Citizen Red Carpet PlanIt is a health insurance plan that is designed to cover senior citizens, the plan covers the cost of their medical and healthcare-related treatments.
Star Super Surplus Insurance PlanStar Super Surplus is a top-up health plan that provides supplementary coverage to the insured when they run out of the existing cover provided by their base policy. The plan is available in 2 types of variants- Silver and Gold plan
Star Health Family Optima PlanThis is a family floater health plan that covers the hospitalization expenses of your entire family under a single policy. You can cover yourself, your spouse, dependent children, and your parents.
Star Mediclassic Insurance PolicyThis plan offers standard health cover that takes care of all major health-related expenses. USP of this plan is that it restores your coverage up to 200% of the sum insured if exhausted due to previous claims.
Star Gain Insurance PolicyThis is a complete health plan that covers the cost of hospitalization due to any illness, sickness, or accident. This plan can be purchased on an individual or family floater basis.
Star Diabetes Safe Insurance policyTrue to its name, this policy is designed to cover individuals who are suffering from diabetes. It protects the cost of medical expenses incurred in the treatment of diabetes and its complications. This plan is available in 2 types: Plan A and Plan B.
Star Cardiac Care PolicyThis policy is created to protect against cardiac-related ailments and complications. It is an ideal plan for individuals suffering from cardiac-related health conditions. The plan is available in two types Silver Cardiac Policy and Gold Cardiac Policy.
Star Cancer Care Gold PolicyThis plan is designed to financially protect individuals who are suffering from cancer. The plan covers the cost of cancer treatments.
Star Care Micro Health Insurance policyThis plan is crafted for individuals belonging to the rural and urban sections of the nation. The plan provides standard health coverage at an affordable premium..
Star Criticare Plus Insurance PolicyStar’s Criticare Plus protects the policyholder against a listed set of critical illnesses and conditions specified under the policy.
Star Family Delite Insurance PolicyAs the name suggests, this is a family floater health plan that secures you and your loved ones from hospitalization expenses under a single plan.
Star Special Care Health Insurance PlanThis is a unique plan that is designed to cater to the medical needs of children suffering from autism. It also pays for treatments like physiotherapy, behavioural, occupational and speech therapy.
Star Hospital Cash Health Insurance PolicyThis is a cash benefit plan which provides daily cash allowance during the hospital stay. It is an ideal plan that will assist you to pay for miscellaneous expenses that are not covered in a general health plan. 2 kinds of plans available – Basic and Enhanced plan.
Star Outpatient Care Insurance PolicyThis plan is specifically designed to cover outpatient treatments like OPD consultations, diagnostics tests, and so on. It can be purchased as an add-on to boost the benefits of your base plan. There are 3 variants of these plans available – Silver, Gold, and Platinum Plan.
Star Young Star Insurance PolicyStar Young Star health offers extensive health coverage to persons below or up to 40 years of age. It also offers multiple other benefits like 100% sum restoration and a cumulative bonus.
Star Novel Coronavirus (COVID-Insurance policy)This is a cash benefit plan that pays the insured lump sum amount in the event of the first positive diagnosis of COVID-19. There are two variants of plans available Silver and Gold Plan.
Arogya Sanjeevani Health insurance policyThis is a standard health policy that protects against hospitalization expenses due to any illness or injury. Wide range of sum insured options available at an affordable premium.
Star Corona Rakshak PolicyThis plan offers a lump sum benefit to the policyholder after the first positive diagnosis of covid-19.
Star Health Corona Kavach PolicyThis plan is specially designed to cover hospitalization expenses incurred in the treatment of COVID-19 only.

Awards won by Star Health insurance

• Best Health Insurance Provider of the year by Business Today
• Best Health Insurer – Outlook Money Awards 2016
• CII Industrial Innovation Awards 2016 for Top 25 Most Innovative Company
• W.H.O Award of Excellence 2017 from the former Honorable President of India, Shri Pranab Mukherjee.
• Best Health Insurer – Outlook Money Awards 2016
• Claims Service Company of the Year 2014

Why choose Star Health Insurance?

Network Hospitals

Star Health Insurance has a wide range of 10,000+ network hospitals all across the nation, enabling you to experience the best medical treatments without worrying to pay the hospital bill from your pocket.

In house Claim Settlement

There is no third-party administrator involved in settling claims.
Star Health Insurance has a direct in-house claim settlement team resulting in a quicker claim process.

24/7 Claim Support

The company provides 24/7 assistance where its employees offer quality support when it comes to solving customer queries. Star Health Insurance is known to bring in quick resolutions in matters about claims, renewals, and other insurance-related grievances.

Solvency Ratio

Star Health insurance has an ideal solvency ratio of 1.69, signifying that the insurer is financially sound and is capable to meet its long-term obligations.

Good Coverage

Health plans offered by Star Health Insurance provide comprehensive coverage, protecting you and your loved ones from all healthcare-related contingencies.

Lifetime Renewability

Health plans offered by the company come with a lifetime renewal option. This means that you can renew your health plan without any restrictions or bar on the age limit, provided you pay your premium on time.

Benefits of health insurance plans by Star Health Insurance

Cumulative Bonus

Multiple health plans offered by Star Health Insurance come with the benefit of a cumulative bonus, which increases your sum insured as a reward during your claim-free years.

Automatic Sum Restoration

Receive the benefit of automatic sum restoration that reinstates your coverage when you exhaust your sum insured due to previous claims. This benefit provides you a sigh of relief during serious medical situations as it provides you additional medical coverage during difficult times.

Value-added Benefits

Avail advantage of multiple value-added benefits like wellness coaching, weight management services, nutritionist, dietician, and so on.


Multiple optional covers such as Hospi-cash, outpatient care cover, and several others are available that can boost your health plan by paying a little extra.

Maternity Coverage

Many health plans offered by the company also provides maternity coverage. Any maternity-related hospitalization expenses will be covered by the company.

How to File a Claim with Star Health Insurance?

Cashless Claim

You can file for cashless claim if you are admitted to a network hospital of the company.

Follow the simple steps laid down by us to file for the cashless claim.

Step 1 – Inform the company in advance in case of a planned hospitalization and within 24 hours in case of emergency hospitalization. You can inform the company by calling them on
1800 425 2255 / 1800 102 4477 or writing them at

Step 2 – Visit the insurance/TPA desk at the hospital and show them your Star Health ID card for identification.

Step 3 – Duly fill and sign the pre-authorization request form and submit it at the insurance desk in the hospital. You can download the form easily from the official website of the company.

Step 4 – Star Health Insurance will verify your claim along with the terms and conditions of your policy. The company may also assign their in-house doctor who shall visit you in the hospital.

Step 5 – Upon verification, the company will approve your claim, and directly settle your bill with the hospital, before your discharge.

Reimbursement Claim

You will have to file for reimbursement claim when you get admitted to a non-network hospital of the company or when your cashless claim has been rejected.
In a reimbursement claim, you will have to initially pay the hospital bill from your pocket and then can file for a refund from the company.

Follow these simple steps to file for reimbursement claim with Star Health Insurance

Step 1 – Inform the company in advance in case of a planned hospitalization or within 24 hours in case of emergency hospitalization.
You can inform them by calling on 1800 425 2255 / 1800 102 4477 or writing to them at

Step 2 – After discharge, collect all supporting documents and submit them to the insurance company to initiate the refund.

Step 3 –  The company will verify the claim along with the terms and benefits of your policy and will approve of the same.

Step 4 – Once the claim is approved, you will directly receive the refund in your registered bank account.

Documents Required to File a Claim

• Original discharge summary
• Pre- request form
• Original bills, receipts, prescriptions
• Original reports, scans, MRI, CT Scan, other reports
• FIR (if applicable)

Star Health Insurance Renewal

It is important to renew your health policy on time to enjoy the continuous benefits provided under your plan. Follow these simple steps to renew your Star Health Insurance policy.

Online Renewal

Step 1 – Go to the official website of the company i.e. www. star health. in
Step 2 – Click on the “Renewals” section above.
Step 3 – Fill in the requested information like existing policy number and date of birth, then click on “Renew now”.
Step 4– Verify the policy details and the premium amount. Cross-check the other information like a cumulative bonus (if any) before paying the premium.
Step 5– Pay the amount online via any of the available modes of payment.
Step 6 – Your policy will be instantly renewed. You will receive a confirmatory email with a premium payment receipt on your registered email id.

Offline Renewal

You can directly visit the nearest branch of Star Health Insurance and state your policy renewal request. You can also connect with the company’s customer support team on Toll-free number- 1800 425 2255 / 1800 102 4477 and state your request for the same.

Star Health Insurance Premium Calculator

The premium of your health insurance policies will highly depend on the factors given below.
• Age
• Medical History
• Members insured
• Lifestyle & habits
• Type of coverage
• Sum insured

Star Health Insurance Coverage


Below provided are a few general inclusions in Star Health Insurance Plans. These inclusions may vary from policy to policy.
• Inpatient hospitalization
• Surgeon, medical practitioner’s fees
• Room rent, ICU, nursing expenses
• Cost of medicines and drugs
• Emergency ambulance
• Air ambulance
• Pre and post hospitalization
• Coverage for modern treatments
• Daycare procedures
• Organ donor expenses
• In-patient AYUSH treatment


Below provided are a few general exclusions in Star Health Insurance Plans. These exclusions may vary from policy to policy.

• Gender change procedures
• Cosmetic and plastic surgery
• Unproven treatments
• Intentional self-injury
• Any illness due to the use of intoxicating substances
• Weight control and obesity treatments

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