Health Insurance
Star
Founded in 2006, Star Health is India's first standalone health insurance company. It has a suit of products catering to the requirements of individuals, families, senior citizens, and people with chronic conditions. It has in-house claims settlement team and has a vast network of cashless hospitals.
Star Health insurance plans
Medi Classic Gold
The Star Medi Classic Gold plan is a comprehensive health insurance policy offering sum insured options from ₹3 lakhs to ₹25 lakhs. It covers pre- and post-hospitalization expenses (30 and 60 days), daycare treatments, and non-allopathic therapies like AYUSH (up to 25% of the Basic Sum Insured, maximum of Rs 25000/- during the entire policy period). The plan includes a cumulative bonus of up to 100% of the basic sum insured for claim-free years and automatic restoration of the sum insured by 200%. Domiciliary treatment is also covered, enhancing its utility for home-based care. However, it has disease-wise sub-limits, room rent restrictions (up to ₹5,000/day for sum insured below ₹5L; single private A/C room for ₹5L and above), and imposes a 10% co-payment for seniors.
Super Surplus Gold
The Star Health Super Surplus Gold plan is a super top-up health insurance policy designed for families, offering sum insured options up to ₹1 crore. Its deductible or defined limit options are based on the sum insured, including ₹3 lakhs, ₹5 lakhs, ₹10 lakhs, ₹15 lakhs, ₹20 lakhs, and ₹25 lakhs. The policy requires no pre-policy medical checkup and offers lifelong renewability, making it suitable for those seeking enhanced financial protection.
Diabetes Safe
The Star Health Diabetes Safe plan is a specialized health insurance policy designed for individuals with Type 1 and Type 2 diabetes, offering coverage from age 18 to 65. It covers diabetes-related complications, with options for sum insured up to Rs. 10 lakhs. The plan also features lifelong renewability, coverage for pre- [30 days] and post-hospitalization [60 days, after discharge from the hospital, not exceeding 7% of the hospitalization expenses or Rs 5000/- per hospitalization, whichever is less] expenses, and an extensive network of hospitals [14000+]. It aims to provide comprehensive diabetes management support with no pre-acceptance medical tests for Plan B.
Health Premier
The Star Health Premier plan is a health insurance policy specifically designed for individuals aged 50 years and above, with coverage of up to ₹1 crore. It provides extensive benefits, including inpatient hospitalization, pre- and post-hospitalization expenses for 60 & 90 days respectively, AYUSH treatments up to the cover amount, home care treatment (10% of the base cover amount up to ₹5 lakhs), and coverage for modern procedures like robotic surgeries and oral chemotherapy (up to 50% of the sum insured). The plan also includes outpatient medical expenses (payable from day 1 up to ₹10K, depending on Base SI)and hospice care (up to 10% of the sum insured, subject to a maximum of Rs. 5 lakhs payable once in the lifetime for each Insured person), making it one of the few options catering to senior citizens with OPD benefits. In case you’re interested, here’s a complete list of the modern treatments that are covered under this policy: Uterine artery Embolization and HIFU, Balloon Sinuplasty, Deep Brain Stimulation, Oral Chemotherapy, Immunotherapy - Monoclonal Antibody to be given as injection, Intra Vitreal injections, Robotic surgeries, Stereotactic radio surgeries, Bronchial Thermoplasty, Vaporisation of the prostate (Green laser treatment or holmium laser treatment), IONM (Intra Operative Neuro Monitoring), Stem cell therapy: Hematopoietic stem cells for bone marrow transplant for haematological conditions.
Red Carpet Senior Citizens
The Star Health Red Carpet Senior Citizens plan is tailored for individuals aged 60 to 75, offering lifelong renewability with no pre-acceptance medical screening. It provides coverage for hospitalization, modern treatments, pre-existing diseases after 12 months, and outpatient expenses. The plan offers sum insured options of up to ₹25 lakhs, with a 30% compulsory co-payment for all claims. It also includes benefits like cashless treatment at a wide hospital network (14,000+) and coverage for day care procedures.
Women Care
The Star Health Women Care Policy is a specialized health insurance plan tailored to address the unique healthcare needs of women. It offers coverage for assisted reproductive treatments, including surrogacy, IVF, and oocyte donor care, which are subject to a three-year waiting period. The policy also includes maternity benefits, ante-natal care, outpatient consultations, and coverage for modern treatments. With sum insured options ranging from ₹5 lakhs to ₹1 crore, the plan provides comprehensive protection across various stages of a woman’s life.
Special Care
Star Special Care is a specialized health insurance plan designed for children aged 3 to 25 diagnosed with Autism Spectrum Disorder (ASD). It offers a sum insured of ₹3 lakhs and covers room, boarding, and nursing expenses, surgeon fees, anesthesia, and ambulance charges. Above all, the plan provides decent care for children with ASD.
Cancer Care Platinum
The Star Cancer Care Platinum is a specialized health insurance plan for individuals diagnosed with cancer. The policy offers sum insured options up to ₹10 lakhs. It covers both cancer-related and non-cancer medical expenses, including hospitalization, rehabilitation, pain management, and daycare procedures. The plan provides an optional benefit of lump sum benefit for recurrence, metastasis, and second malignancies. It also includes hospice care (payable up to 20% of sum insured at network providers on indemnity basis, payable once in life time) for advanced cancer patients and wellness services to promote healthy living.
Assure
Star Health Assure is a fairly comprehensive health insurance policy that offers coverage of up to ₹2 crore with unique features like unlimited automatic restoration of sum insured and wellness discounts up to 20%. It covers up to 9 family members under a floater policy and includes benefits like air ambulance, in-utero fetal surgery, and assisted reproduction treatment. With coverage for modern treatments, AYUSH, and home care, it aims to provide extensive protection against rising healthcare costs.
Cardiac Care Platinum
The Star Cardiac Care Platinum plan is a specialized health insurance policy designed for individuals with heart ailments, offering coverage up to ₹15 lakhs. It covers modern treatments, heart transplants, coronary angiograms, and heart devices, with no pre-policy medical tests required. It features optional lump sum coverage for recurrence or metastasis of cancer and offers flexible premium payment options. It also offers a no-claim bonus. Every year, you go without making a claim, your sum insured grows by 10% up to a maximum of 100% of the sum insured.
Smart Health Pro
The Star Smart Health Pro is a comprehensive plan that provides flexibility with sum insured options ranging from ₹5 lakhs to ₹1 crore, along with customizable policy terms. It includes benefits such as in-patient hospitalization, pre- and post-hospitalization expenses for 60 & 180 days respectively, daycare treatments, domiciliary hospitalization, air ambulance services, and coverage for modern treatments like robotic surgeries up to the cover amount. The plan also comes with add-ons for unlimited restoration of the sum insured, reduction in pre-existing disease waiting periods, and consumables cover.
Comprehensive
Star Comprehensive is a health insurance policy designed to offer a broad range of protections for both families and individuals. It includes features like the option to reduce waiting periods for pre-existing diseases (PEDs) and no pre-acceptance medical screening. However, prospective buyers should note that the plan comes with various sub-limits on diseases and treatments, and room rent limits.
Super Star
The Star Health Super Star plan is a comprehensive health insurance policy offering extensive customization options with 21 add-ons. It features a unique "Freeze Your Age" benefit, allowing premiums to remain constant until the first claim is made. The plan includes coverage for pre-existing conditions like hypertension and diabetes from day 31 [with add-on], unlimited automatic restoration of sum insured, and a cumulative bonus of 50% increase up to 100% for claim-free years. It also offers unlimited sum insured options and access to any hospital room without extra charges.
Health Gain
The Star Health Gain plan is a health insurance policy offering flexible sum insured options from ₹1 lakh to ₹5 lakhs, available on an individual or family floater basis. The plan features a 30-day waiting period for general illnesses and a 36-month waiting period for pre-existing diseases. Designed for those seeking basic health coverage with some outpatient benefits, it provides moderate protection at a relatively affordable premium.
Young Star
The Star Health Young Star plan is a health insurance policy targeting individuals aged 18 to 40. It provides flexible sum insured options from Rs. 3 lakhs to Rs. 1 crore, with no pre-medical screening required. The plan includes wellness benefits, health check-ups, and discounts for early renewal, making it suitable for young adults seeking comprehensive yet affordable health coverage.
Medi Classic
The Star Medi Classic plan is a comprehensive health insurance policy offering sum insured options ranging from ₹1.5 lakhs to ₹15 lakhs. Key features include coverage for modern treatments like robotic surgeries with sub-limits, non-allopathic therapies (AYUSH) (up to 25% of the Basic Sum Insured subject to a maximum of Rs 25000), and pre & post hospitalization (30-60 days respectively, however the amount payable shall not exceed the sum equivalent to 7% of the hospitalization expenses subject to a maximum of Rs.5000/- per hospitalisation). It also comes with a 200% automatic restoration of the sum insured, ensuring financial security during multiple claims. Additional benefits include a cumulative bonus for claim-free years (5% increase up to 25% of Base SI), and coverage for daycare procedures. The plan also provides cashless treatment across 14,000+ network hospitals.
Special Care Gold
Star Special Care Gold is a specialized health insurance policy tailored for individuals with disabilities (as per The Rights of Persons with Disabilities Act, 2016) and those with HIV/AIDS. It offers coverage up to ₹5 lakhs, with no pre-policy medical check-up required. It covers room, boarding, and nursing expenses, ICU charges, surgeon fees, anesthesia, and modern and AYUSH treatments.
Family Health Optima
The Star Family Health Optima plan is a comprehensive family floater health insurance policy designed to cover the entire family—including spouse, dependent children (up to 25 years), parents, and parents-in-law—under a single sum insured. It includes features such as automatic restoration of sum insured up to three times per policy year, loyalty bonuses, and coverage for assisted reproduction treatments, making it a robust option for families seeking affordable yet extensive health protection.
Star Health insurance claim process
Star claims can be of different types based on the hospital in which you are getting the treatment. If it’s part of Star's network hospitals, you can get a “Cashless claim” in which insurance company directly pays the bills to the hospital. But if your choice of hospital is not part of their network, then you have to pay the bills and apply for reimbursement claim. Here’s a brief process for both types of claims:
Cashless Claims
Inform the Hospital Desk
All network hospitals have an insurance desk. You can submit your policy copy (even soft copy works), ID proof, initial diagnosis report and the insurance desk will request the insurance company for “pre-authorization”. In case of planned treatments, you need to do this process 2 days before hospitalization
Insurer’s decision
Based on the provided documents, insurance company approve the claim and the hospital will start the treatment and they will co-ordinate with insurer for the treatment costs. In case of Cashless claim rejection, you can still go ahead with the treatment. In this case, you will need to pay the bills initially and can file for a reimbursement claim later
Discharge
If your cashless claim is approved, at the time of discharge, the insurance company will do the final settlement with the hospital and once that is sorted, you are good to go.
Reimbursement Claims
Inform the insurance company
For any planned treatments, you need to inform the insurance company 2 days before hospitalisation. In case of emergency, you can inform within 24 hours of admission. Insurance company will acknowledge the intimation.
Hospitalization
You need to submit a insurance claim form along with original copies of hospital bills, doctor consultation reports, and diagonstic reports.
File the claim
Within 30 days post discharge, you can initiate the claim online or at any of the registered offices of the insurance company. You need to fill a claim form and attach all the reports and bills.
Insurer’s decision
Based on the claim form and submitted documents, insurance company will settle the claims as per policy terms and conditions.
Star Health Insurance Renewal
Firstly, if you’ve purchased the policy online, you’ll always receive an intimation e-mail from the insurer around 30 days before the renewal date. The e-mail will have a renewal link that will directly take you to the page where you can make the payment and check policy details. And it’s done. You’ll receive the policy document via e-mail.
However, in case you choose to do it on your own, here’s what you need to do:
Visit the website
Visit the Star website and then go to the Renewal section here.
Enter details
You’d be asked to provide your current policy number which you can find in the policy soft copy. You may as well be asked to enter your mobile number, email ID, Date of Birth or policy expiry date.
Review and edit the policy details
Next, you’ll be able to see details of your new policy and the renewal premium you need to pay. Also, you’ll be given the option to make some changes related to sum insured, existing covered members, etc.
Complete the payment and it’s done
Once you confirm the details, you’ll be directed to the payment gateway. Once the payment is complete, you’ll receive your new policy soft copy via e-mail.
Few things to consider when renewing your Star health insurance policy
- If you want to increase your Sum Insured, now is the time. You can’t do it anytime during the year.
- If you didn’t make a claim in the past year, make sure you have been given a no-claim bonus if your policy offers it.
- If you want to add members like your spouse or kids, you have the option to do so only at the time of renewal. So do give this a thought.
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