Referring to the Star Health Insurance Plans PDF can help you compare coverage details, limits, and exclusions before choosing a plan that fits your needs and budget.
Star Health and Allied Insurance Company focuses exclusively on health insurance, with plans designed for individuals, families, senior citizens, and people with pre-existing conditions (PEDs). Established in 2006 as a standalone health insurer (SAHI), it is known for a wide hospital network and strong retail presence, especially in tier 2 and tier 3 areas. Popular options include Super Star, Family Health Optima, and Star Comprehensive.
With an average gross written premium (GWP) of ₹14,974 crore over the last three years, Star Health and Allied Insurance is the largest private health insurer in the market. It offers a wide range of plans covering different customer profiles, including people with serious conditions such as cancer. The insurer is also known for relatively affordable premiums with a strong presence in southern India.
In this article, we look at Star Health’s plans, performance, premiums, and whether it could be the right choice for you.
Star Health Insurance: Performance Metrics (FY 2022-25)
Metrics
Star Health Insurance
Industry Average (FY 2022-25)
Claim Settlement Ratio (CSR)
84.97%
91.22%
Incurred Claims Ratio (ICR)
67.26%
81.88%
Complaints per 10,000 claims
52.31
27.06
GWP (in Crores)
₹14,974
₹3,969
From the table above, we can see that Star Health and Allied Insurance’s CSR is below the industry average, and its complaint figures are almost double the industry average as well. However, its ICR remains comfortably within the recommended range of 50 to 80%. The insurer also has a network of over 14,000 hospitals, which is well above the generally recommended benchmark of more than 10,000 hospitals.
Types of Star Health Insurance Plans
Family Health Insurance
This type of plan covers the entire family under one sum insured, with benefits like hospitalization, daycare procedures, and restoration of cover, making it a cost-effective option e.g. Family Health Optima plan, Super Star plan, etc.
Senior Citizen Health Insurance
Designed for people aged 60 and above, these plans focus on age-related health needs and often include home care and shorter waiting periods e.g. Senior citizen red carpet plan
Maternity Insurance
Offers coverage for pregnancy, delivery, and related medical expenses, usually after a waiting period e.g. Star Health Women care plan , Super Star plan etc.
Critical Illness Insurance
These plans provides a lump sum payout on diagnosis of serious illnesses, helping manage treatment costs and income loss e.g. Star Critical Illness Multipay Insurance Policy
Sample Premiums for Star Health Insurance Plans
Profiles
Super Star
Assure
(Individual Plan): Age 25
₹9,559
₹11,714
(Family Floater, 2A): Ages (31, 32)
₹15,996
₹20,241
(Family Floater, 2A 1C): Ages (35, 34, 5)
₹20,516
₹24,814
(Family Floater, 2A): Ages (62, 63)
₹76,926
₹58,475
These are indicative premiums for individuals based in Delhi, assuming a ₹15 lakh sum insured with broadly similar benefits included.
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Ditto’s Take on Star Health Insurance Plans
Star Health and Allied Insurance offers a wide range of plans across different medical needs and age profiles. While it is the largest private health insurer by size and hospital network, its performance makes it difficult for us to recommend it. The insurer’s three-year average CSR is below the 90% level we consider decent, and its complaint volume is almost double the industry average.
If you are considering a Star health plan, it’s wise to compare all your options and read the policy terms carefully to avoid surprises later.
Note: Star Health Insurance is a partner insurer of Ditto. The information presented in the article is taken from publicly available sources like the insurer’s website. To know the methodology behind why these plans are recommended, refer toDitto’s Cut andFramework.
Frequently Asked Questions
Can the waiting period for Star Health Insurance plans be reduced?
Yes. Some plans allow you to reduce the waiting period for pre-existing diseases with a paid add-on. The specific illness waiting period is of 2 or 1 year (depending on the plan) for a list of slow growing conditions and 30 day initial waiting period for everything except accidents are usually mandatory to serve.
Does my Star health insurance policy cover accident claims immediately?
Accidental claims are covered from Day 1 in all health insurance plans, based on underwriting by the insurer.
What if I don’t disclose a pre-existing condition in my Star health insurance plan?
Failing to disclose may lead to claim denial or cancellation of the policy in certain cases, based on the policy terms. In some cases, this can be done even for conditions unrelated to the claim. Hence, we always recommend a thorough declaration of your entire medical history.
How can I contact the insurer for support regarding Star health insurance plans?
Star health Insurance provides easy access to support through multiple channels. You can reach the 24×7 toll-free helpline at 1800 425 2255, use email support at support@starhealth.in for general queries, or connect via WhatsApp at +91 95976 52225 for quick responses.
Can I port my health insurance from Star health insurance to a new company?
Yes, you can port your health insurance from Star health to a new insurer (or vice versa) while retaining benefits like waiting periods already served for pre-existing conditions, subject to the new insurer’s underwriting. The porting window opens 30-60 days before your renewal, however we recommend starting as soon as possible.
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