Overview of STAR Health Insurance
STAR Health Insurance is a leading health insurance provider in India, offering a wide range of plans including personal accident and travel insurance—both in India and abroad—designed to meet the unique needs of individuals and families.
In addition to its broad coverage, STAR Health Insurance is known for its customer-first approach. With a dedicated 24x7 claims support team, the company ensures that policyholders receive quick and hassle-free claim assistance whenever needed. Its digital-first processes allow customers to buy, renew, and manage their health insurance policies online—offering complete convenience with minimal paperwork.
STAR Health also promotes preventive healthcare through free annual health check-ups, wellness programs, and teleconsultation services included in many of its plans. Policyholders can access expert advice and health resources anytime, making it easier to stay healthy and proactive.
Visit the official website of STAR Health Insurance : Click Here
Types of Star Health Insurance Plans (Clean List, No Links)
- Individual health insurance plans: Coverage for a single person, including hospitalisation and medical expenses.
- Family floater health insurance plans: One policy that covers multiple family members under a shared sum insured.
- Senior citizen health insurance plans: Plans designed for individuals aged 60+, offering higher coverage for age-related illnesses and lifelong renewability.
- Disease-specific / Critical illness plans: Policies that cover specific illnesses such as cancer, cardiac conditions, or pay a lump sum on diagnosis of critical illnesses.
- Top-up and super surplus plans: Provide additional coverage that activates after the base sum insured is exhausted — useful for large medical expenses.
- Women’s health / Maternity plans: Plans tailored for women’s health, including maternity cover, newborn cover, and fertility-related benefits.
- Accident care / Personal accident plans: Coverage for accidental injuries, disability, and accidental death.
- Student / Travel & overseas medical plans: Policies meant for students or travellers needing medical coverage abroad.
- COVID / Infectious disease plans: Specialised policies covering COVID-19 and other infectious diseases.
Key benefits of STAR Health Insurance
Here are some of the key benefits offered by STAR Health Insurance plans:
- Hospitalisation expenses: STAR Health Insurance plans cover hospitalisation expenses such as room rent, ICU charges, surgery expenses, doctor consultations, and more, incurred due to illness, injury, or accidents.
- Pre and post-hospitalisation: The plans cover pre and post-hospitalisation expenses related to in-patient hospitalisation.
- Day care treatment: The policies cover day care treatments and procedures that require less than 24 hours of hospitalisation due to technological advancements.
- Domiciliary hospitalization: The policies also cover domiciliary treatments taken at home on the advice of a medical practitioner.
- Organ donor expenses: Organ harvesting and transplantation expenses are covered if the insured person is the recipient.
- AYUSH cover: In addition to allopathic treatments, STAR Health Insurance plans also cover alternative systems of medicine such as Ayurveda, Yoga and Naturopathy, Unani, Siddha, and Homeopathy.
- Automatic restoration of sum insured: Get up to 100% restoration of your Sum Insured automatically after its full or partial exhaustion.
- 24/7 customer support.: STAR Health Insurance offers 24/7 customer support. Their dedicated team assists customers with their queries and concerns.
- Tax benefits: Premiums paid for STAR Health Insurance plans qualify for tax deductions under Section 80D of the Income Tax Act. You can claim deductions for yourself, spouse, children, and parents, helping reduce your overall taxable income while ensuring financial protection.
- Available for NRIs: STAR Health Insurance policies are available for Non-Resident Indians as well. NRIs can purchase and renew plans for themselves or their families in India, provided medical treatments are taken within India as per policy terms.
- Quick settlement of claim: STAR Health is known for its fast and efficient claim settlement process. With a strong network of hospitals and a dedicated claims team, policyholders can expect smooth cashless approvals and minimal paperwork during emergencies.
- No pre-acceptance medical screening: Most STAR Health plans do not require pre-policy medical tests for eligible age groups, making it easier and quicker to get insured without undergoing any medical examinations.
Step-by-step guide to buy STAR Health Insurance plans
- Step 1
Click here to open our online application form.
Step 2
Fill in the application form with basic details such as name, gender, mobile number, date of birth, and residential PIN code for you or the person you want to insure.
Step 3
Now click on ‘Get Quote’ to proceed.
Step 4
From the list of policies shown, choose your preferred health plan by clicking the ‘Buy Now’ button placed under each plan. You can further modify the insured amount, policy term, and plan-type to get a list of policies tailored to your preference.
Step 5
Based on the plan you choose, you may get the option to select the policy term and premium amount.
Step 6
Enter your email ID and check if all personal details shown are correct. Click ‘Next’ to proceed.
Step 7
Enter some additional details, such as height, weight, nationality, marital status, address, and nominee details (if applicable).
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Step 8
Answer a few questions about your health and lifestyle by clicking the relevant checkboxes. Click on the ‘Next’ button to proceed.
Step 9
Verify if the previously filled details are correct and click on the ‘Proceed’ button to visit the payment page.
Step 10
Make the payment through net banking, UPI, debit or credit card to buy the policy.
After successful payment, your policy document will be available for you to download instantly. You will receive a copy of the policy document on your registered email ID within 5-7 working days.
You will also receive an SMS confirmation immediately after the payment processed successfully.
You can also access your policy details through the My Account section within 5-7 days after purchase.
Documents required to buy a Star Health Insurance policy
No documents are required to buy STAR Health Insurance policies on Bajaj Finance Insurance Mall. Just enter the following information to apply.
To buy a Star Health Insurance policy on Bajaj Finance Insurance Mall, you will need to provide basic KYC details such as your CKYC number or upload valid KYC documents (like Aadhaar, PAN, etc.) as per regulatory requirements. Enter your personal details, complete the KYC process, and proceed to make the payment to get your policy instantly.
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Date of birth of the applicant as per the PAN card
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A valid 10-digit mobile number
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Residential PIN code of the applicant
How to raise a cashless claim for Star Health Insurance
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Step 1 - Intimate your claim
Claim intimation must be done 48 hours before admission for planned hospitalisation and within 24 hours of admission for emergency hospitalisation. You can intimate the insurer via:
Toll-free Number - 1800 425 2255 | 1800 102 4477
Email ID - support@starhealth.in
Star Health App
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Step 2 - Verify the patient’s identity
At the hospital reception, present the Star Health ID card along with a valid Aadhar/PAN/Voter ID/License/Passport for proof of identity.
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Step 3- Submit claim documentation
Submit all relevant documents such as the filled and signed pre-authorisation form, doctor consultations, pre-admission investigations, etc.
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Step 4 - Verification by doctors
All the submitted documentation will be verified by the doctors before the claim is processed. If necessary, a field doctor assigned to the case might see the patient at the hospital.
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Step 5 - Claim settlement
Following discharge, the hospital will submit the claim documentation to STAR Health Insurance. The insurer will pay the hospital the authorised sum.
How to raise a reimbursement claim for Star Health Insurance
Follow these steps to raise a reimbursement claim with STAR Health Insurance.
Done
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Step 1 - Intimate your claim
Claim intimation must be done 48 hours before admission for planned hospitalisation and within 24 hours of admission for emergency hospitalisation. You can intimate the insurer via:
Toll-free Number - 1800 425 2255 | 1800 102 4477
Email - support@starhealth.in
Star Health App
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Step 2 - Settle the hospital bills
Take the treatment and pay all the medical bills incurred at the hospital.
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Step 3 - Submit claim documentation
Submit all the claim documentation such as the duly filled and signed reimbursement claim form, hospital discharge summary, bills, prescriptions, etc., to STAR Health Insurance within 15 days of discharge.
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Step 4 - Claim Settlement
Your claim will be processed after the verification of your documents. The amount will be reimbursed to your registered bank account upon approval.
Documents required for raising a claim request
Here is the list of documents required for raising a reimbursement claim request with STAR Health Insurance.
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Duly completed claim form including the present address, contact number, and email ID.
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Intimation to the toll-free number is mandatory before the form is filled.
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Original bills, receipts, and discharge certificate/card from the hospital.
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Original bills from chemists supported by a proper original prescription.
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Receipt and investigation test reports from a pathologist supported by a note from the attending medical practitioner/surgeon prescribing the test.
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Nature of the operation performed and surgeon's bill and receipt.
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Self-declaration/MLC/FIR in case of accident cases.
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Self-declaration/MLC/FIR in case of accident cases.
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NEFT and KYC details.
Contact Details of STAR Health Insurance
Feel free to reach out to STAR Health dedicated customer support team for any information or queries regarding your policy. You can contact them via any of the following ways:
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Toll-free Number: 1800 425 2255 | 1800 102 4477
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Email: support@starhealth.in
Frequently asked questions
Health insurance plans do not cover treatment for any pre-existing diseases or conditions initially. After 48 months of continuous renewals with STAR Health Insurance, any such pre-existing disease or condition will be covered.
There is no limit to the number of claims that can be filed in a year. However, the policy's upper limit is the sum insured.
STAR Health Insurance does not have any TPAs. The insurer has a dedicated in-house claims settlement team that ensures your claims are handled quickly and efficiently.
All diagnostic tests, such as X-rays, blood tests, and MRIs, are covered by health insurance provided they are related to the patient staying in the hospital for a minimum of 24 hours. STAR Health Insurance will not cover diagnostic tests that do not result in treatment or are prescribed as outpatient care.
Yes, some Insurance plans, like the Star Women Care Insurance Policy, cover maternity expenses.
Yes, some of the health plans by STAR Health Insurance include a 100% restoration benefit.
Star Health offers a comprehensive range of plans that cover various common and critical ailments, including:
COVID‑19
Diabetes (Type I and II)
Cardiac diseases, such as heart attack, stroke, heart failure and hypertension
Cancer (under designated cancer-care plans)
Chronic kidney disease
Cataract surgery (as a daycare procedure)
Brain tumours, cerebrovascular stroke, irreversible paraplegia and quadriplegia (under Criticare Plus)
Psychiatric and psychosomatic disorders (under Medi Classic)
Autism Spectrum Disorder (under Special Care plan)
These are included across their signature plans like Star Comprehensive, Cardiac Care, Cancer Care Gold, Criticare Plus, Medi Classic, Special Care and others
MRI scans are generally not covered if performed on an outpatient (OPD) basis. However, if the MRI is conducted during a hospital admission (minimum 24-hour inpatient stay) as a part of diagnosis or treatment—then it may be covered under pre- or post-hospitalization benefits.
Star Health policies are available to individuals, families, senior citizens, and corporate or group entities. Eligibility depends on the specific plan:
Individual or family floater basis
Senior Citizens (up to age 75 in certain plans)
Specialized corporate/group policies
Specific policies like Diabetes Safe may require medical screening and vary by type and age
