Star Health Insurance
Star Health Insurance is provided by Star Health and Allied Insurance Co. Ltd., which started in 2006. They offer many health insurance plans that help pay for hospital stays, medical check-ups, serious illnesses, pregnancy costs, AYUSH treatments, OPD treatments, ambulance charges, and second medical opinions.
They also have special plans for senior citizens, autistic children, women, cancer patients, heart patients, diabetes patients, HIV/AIDS patients, and people with special needs. Star Health Insurance was also the first company to offer maternity coverage for women who are already pregnant.
Key Highlights of Star Health Insurance
| Categories | Features |
|---|---|
| Founded In | 2006 |
| Claim Settlement Ratio | 85.32% |
| Cashless Hospitals | 11,400+ |
| Premium Starting at | ₹451/month |
| Sum Insured | Up to ₹100 Cr |
| Pre-Existing Coverage | Covered after 1 year |
| No. of Plans | 17 |
Features of Star Health Insurance Policy
Here are the main benefits of Star Health Insurance plans:
- Telemedicine: You can talk to a doctor on a phone call, chat, or video call and get medical advice without visiting a hospital.
- Cashless Hospitalization: Star Health has 11,400+ partner hospitals where you don’t have to pay hospital bills upfront during emergencies.
- Diagnostic Centers: You get access to 1,635 diagnostic centers across India. Lab tests and health checkups can even be done at your home.
- E-Pharmacy: You can order medicines online at a discount and get them delivered to your home or pick them up from nearby stores in 2,780 cities.
- Wellness Program: Join the wellness program to earn points, which you can use when renewing your policy.
Why Buy Star Health Insurance Plans?
Star Health Insurance helps you and your family get the best medical care without worrying about money. Here’s why choosing Star Health Insurance is a good idea:
1Customized Plans
They offer different health insurance plans for women, senior citizens, diabetes patients, heart patients, cancer patients, autistic children, people with special needs, and HIV/AIDS patients.
224/7 Customer Support
Their support team is always available to help you, day or night.
3Fast Claim Settlement
90% of cashless claims are settled within 2 hours, making the process quick and easy.
4Cashless Treatment Anywhere
You can get cashless treatment at any hospital of your choice with their ‘Cashless Everywhere’ facility.
5Available for NRIs
Non-Resident Indians (NRIs) can also buy Star Health Insurance if they visit India often or plan to move back.
6Tax Benefits
You can save tax on your insurance premium under Section 80D of the Income Tax Act.
Documents Needed to Buy Your Policy
Here are the documents you need to purchase a Star Health Insurance policy:
- Proof of Age: Any one of these: 10th or 12th mark sheet, Voter ID, Passport, PAN Card, or Driving Licence.
- Address Proof: Any one of these: Aadhaar Card, Passport, Driving Licence, Electricity Bill, Telephone Bill, or Voter ID.
- Medical Reports: If required, you may need to provide recent medical test reports.
- Proposal Form and OTP Verification: Fill out the proposal form and complete the OTP verification.
- Passport-size Photographs: Recent passport-size photos for documentation.
How to Buy a Star Health Insurance Policy?
You can buy Star Health Insurance in two ways – online or through an agent.
Buy Online from the Star Health Website
Follow these simple steps to purchase your policy online:
- Step 1: Go to the Star Health Insurance website on your phone or computer.
- Step 2: Click on the "Buy Now" button at the top right corner.
- Step 3: Enter your name, phone number, email, and city PIN code.
- Step 4: Choose a health insurance plan that fits your needs and make the payment online.
- Step 5: You will receive your policy document in your email after completing the payment.
FAQs
Anyone can buy Star Health Insurance, including individuals, families, senior citizens, and people with special health conditions like diabetes, heart disease, cancer, and HIV/AIDS.
You can file a claim by informing the insurance company, submitting the required documents, and following the claim process. For cashless treatment, visit a network hospital and show your health card.
Pre-existing diseases are covered after 1 year from the start of your policy, depending on the plan you choose.
Star Health Insurance has a network of 11,400+ hospitals where you can get cashless treatment without paying hospital bills upfront.
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