Star Health Insurance Price List in India
Star Health Insurance Company is the biggest stand-alone health insurance company in terms of GWP written for the year 202021. Star Health Insurance Company was incorporated in the year 2006 as India’s first standalone health insurance provider. Star Health Insurance Company is providing services in Health, Personal Accident and Overseas Travel insurance, etc. Star Health Insurance Company has designed products keeping in mind the requirements of the general public. The cost of Star health insurance varies depending on the type of policy that you choose to buy.
There are more than 15 health insurance plans available with Star Health and Allied insurance company which cater to different range of audiences such as Senior citizens, families, groups, etc. There are quite unique products with Star health insurance Companies such as Cancer Star, Heart attack Star, and Comprehensive health insurance products. Most of the health insurance products are pre-underwritten i.e. premium is calculated and age-wise, sum insured wise chart is available. This makes it easy for the customers to decide on the required product, risk appetite to chose the premium, and the sum insured required or their health insurance policy.
Star Health Insurance Company has underwritten a gross written premium of Rs.6865 Cr during the FY 2019-20 and has built a promising path with an appreciable net worth of Rs.1889 Cr, as of March 2020. Currently, star health insurance has 13000 + employees and 640+ branches all over India and they have tied up with different agents, banks, and brokers to sell their health insurance policies.
Star Health Insurance company has even surpassed the general insurance companies in terms of Gross Written Premium for the year 2020-21 due to its aggressive campaign in the market. They have followed many innovative methods in increasing the reach of Star Health Insurance Company and even they have a presence in Tier 2 & 3 cities all over India. It is not surprising if you find the medical shop owners and Kirana shop owners acting as Star Health insurance agents which increased the sales and reach of the brand as these people are the face of customers.
FAQ’s of Star Health Insurance
Do I need health insurance if everyone in my family is healthy?
Health insurance covers the hospitalization and other costs related to the treatment in case the insured or family members are admitted in a hospital. The claim paid by the insurance company would not exceed the sum insured mentioned under the policy terms and conditions. Health insurance should be considered as a mandatory requirement by every person as the diseases or illness cannot be anticipated in advance. For instance no one can firmly say that they would not be contracted with any illness for a particular period of time. Hence, health insurance should be taken even if everyone in the family is healthy. If we consider Covid-19 pandemic, there have been many cases where people who haven’t had even a common cold were admitted to hospital with Covid-19 and underwent treatment for the same.
Is health insurance mandatory?
Unlike motor insurance, there is no law in India making health insurance mandatory. Health insurance should be mandatorily taken by each and every individual to safeguard themselves and their families from unnecessary financial hiccups at the time of hospitalization. Having a health insurance can save a lot of your money at the time of hospitalization as the rising health care costs can burn a big hole in the savings of customers.
Does Star health insurance have health insurance for diabetic patients?
Yes. Star health insurance covers pre existing conditions such as diabetes, hypertension etc. Star Health Insurance Plans provide health insurance to diabetic customers without any pre-policy medical check-up. The pre existing conditions are covered after a waiting period of 24-48 months from the date of first policy start date with the coverage being continuous.
What is E-medical opinion?
This is also known as Second Medical opinion under which the insured person is given the facility of obtaining a second medical opinion from Doctor in the company’s network of medical practitioners. To utilize this benefit all medical records should be forwarded to the mail id firstname.lastname@example.org.
Is there any capping on room rent under Star Health Insurance plans?
The sum insured for room rent would normally be 1% or 2% of the sum insured subject to a maximum of Rs.5k and in some cases there would be no room capping and the customers can opt for Standard Single A/C room up to the sum insured available under the plan. There would be a provision for proportionate deduction of the claim amount in accordance to the room rent selected by the insured customer during the hospitalization. If the room rent is opted more than the eligibility, there would be a percentage of deduction in the claim amount by the insurance company.
What is the maximum number of claims allowed in a policy year?
There is no limit on the number of claims allowed in a policy year. But the maximum limit would be the sum insured mentioned under the policy. The restoration of sum insured happens only after the complete exhaustion of the sum insured. Each and every claim registered with the Star health insurance company would be treated differently and settled accordingly.
Can I take health insurance plan in Telangana and use it in Karnataka?
The health insurance plan taken from Star health insurance company can be used Pan India without any geographic restrictions. For the list of network hospitals in your place of work, residence or accident please check on the link.
Can I take health insurance from Star if I have an employer sponsored health insurance?
The employer sponsored health insurance would be valid only till then time you are employed in the company whereas the personal health insurance policy taken would be valid till the time it is renewed. You can take a health insurance plan from Star Health Insurance Company even though you have employer sponsored health insurance plan. The individual health insurance plan would be beneficial if the claim bill exceeds the sum insured provided by the employer health insurance plan.
Can a request for Cashless Claim be rejected/ repudiated?
Yes, a request for authorization of cashless access may be denied on various reasons such as the ailment/ disease for which the hospitalization is required is not covered under the policy or the insured might not have the sum insured balance to cover the claim. This means that the customer’s request for cashless is denied and he/she cannot claim for reimbursement as well.
What is a Health Card?
A health card is a card that comes along with the health policy which is similar to the identity card. This health card can be used to avail cashless hospitalization facility at any of the network hospitals. A health card mentions the name, age, contact details of the insured and the contact details of the TPA. In Case of emergency the insured customer can reach out to the numbers mentioned in the health card. E-health card can also be downloaded from the website and used for cashless hospitalization at any of the network hospitals.
Can a foreign citizen avail Star health insurance policy?
Yes. But the scope of coverage during the policy period would be restricted to the hospitals in India only. Foreigners living in India can take health insurance policy from Star Health Insurance Company and use for hospitalization claims within India.
How does reimbursement work for Pre & post Hospitalization?
The medial expenses incurred prior to the hospitalization are known as Pre hospitalization expenses while the expenses incurred post hospitalization are known as Post hospitalization expenses. Pre and Post hospitalization expenses should be reimbursed after the specified period which is 30 days for pre hospitalization and 60 days for post hospitalization.
Does Star Health Insurance cover Cancer recovered patients?
Yes. Star health insurance has introduced health insurance plan to cover the customers treated for Cancer. Star Cancer insurance plan provides treatments costs in case the insured is diagnosed with Cancer and needs to undergo chemotherapy and other treatments as a process. There would be no requirement for pre screening medical tests before the policy issuance but the customers are required to submit the treatment reports at the time of policy purchase.
Do Star health insurance plans provide Income Tax exemption?
Health insurance premium paid for star health insurance plans are eligible for income tax deduction under the section 80D of the Income tax act. The limits are as mentioned below:-
||Exemption category wise
|Self & Family
|Self & Family + Parents (Not Senior Citizens)
||Rs.25,000 + Rs.25,000
|Self & Family + Parents (Senior Citizens)
||Rs.25,000 + Rs.30,000
|Self & Family (Senior Citizen) + Parents (Senior Citizens)
||Rs.30,000 + Rs.30,000
Is there cashless facility under Star health insurance policies?
Yes. Star health insurance has tied-up with almost 11,000 hospitals across India, and all these hospitals provide cashless claim settlement service to the Star health insurance customers. The cashless facility can be availed by enquiring on the toll free number 1800-425-2255. Cashless facility can only be availed only at the network hospitals and treatment taken outside network hospitals would be reimbursed.
List network hospitals with care health Insurance Company?
There are more than 11000 network hospitals to provide cashless facility to the Care health insurance customers. The detailed list of tie-up hospitals can be found at network hospitals.
Does my Star health insurance policy provide free annual check-up?
Yes, most of the health insurance policies from Star Health Insurance Company provide with free annual health check-up to all the individuals covered under the policy. The list of medical check-ups available differs from one plan to the other. The free medical check-up option is available for customers who do not make any claim during the previous policy year.
What is the eligible age to buy Star health insurance plan?
The minimum age to buy health insurance from Star Health Insurance Company is 18 years which is the legal age in India. There are certain plans where even a 91 day child can be included in the health insurance plan subject to one or both the parents already covered under the plan.
What is the pre-existing waiting period in care health insurance plans?
Any condition or illness which exists prior to taking the health insurance policy is known as pre-existing illness or disease. Every health insurance policy has a provision to cover the pre-existing diseases after a certain period of time. The pre-existing diseases waiting period in star health insurance plans range from 24 months to 48 months depending on the type of plan chosen. Star health insurance even offers an add-on named “Buy Back pre-existing” where the pre-existing waiting period can be reduced from 48 months to 12 months on payment of additional premium. This add-on is specific to few plans of Star Health Insurance Company.
What is specific waiting period health insurance policy?
There are certain diseases or illnesses which would be covered only after a certain period of time such as Hernia, Knee replacement etc. These diseases require a certain waiting period to be satisfied and it is known as specific disease waiting period. The specific disease waiting period in star health insurance plans is 24 months from the date of policy start date.
Can I take health insurance and claim immediately?
Health insurance plans have an initial waiting period before which no claim would be paid except for the accidental claims. Only accidental claims are payable immediately after taking the health insurance policy. The initial waiting period in Star health insurance plans is 30 days from the policy start date.
What is the maximum sum insured offered under Star health insurance plans?
The maximum sum insured offered under pre underwritten Star health insurance plans is Rs.1 Cr for general health insurance plans and Rs.2 Cr for Cancer plans. Higher sum insured can also be offered to customers after satisfactory underwriting from the insurance company. Pre underwritten plans are those where the premium is fixed for any particular sum insured.
Can I take health insurance for more than 1 year?
Yes. Star health insurance offers plans ranging from 1 year to 3 years. Please contact our Health insurance expert at 1800-123-4003 to have a clear understanding of the Star Health insurance plans. The time period of health insurance policy depends on the type of plan selected by the customer.
Does Star health insurance offer health plans for Senior citizens?
Yes. Star Health Insurance Company has introduced health insurance plans specifically for senior citizens. The minimum entry age for this plan is 60 years and the maximum entry age is 75 years under this plan. There is a 24 months waiting period for Named ailments and 12 months for pre-existing diseases under this plan. This plan is designed to provide maximum benefit to senior citizens aged above 60 years.
How Star senior citizen red carpet is beneficial?
Senior citizen plans such as “Star Senior Citizen Red Carpet” are beneficial as these plans are designed keeping in mind the needs of senior citizens. The need for hospitalization is high in case of senior citizens and there is a need to have a separate health insurance plan which covers all the requirements of senior citizens.
|1Lac to 10Lacs
PED Claims: 50% for each and every admissible claim.
Non PED Claims: 30% for each and every admissible claim.
|15 Lacs to 25 Lacs
||PED & Non PED Claims: 30% for each and every admissible claim.
|PED means Pre-Existing Disease
Is personal accident cover available under Star health insurance?
Yes, personal accident cover can be availed under health insurance plan from Star Health Insurance Company.
Is it mandatory to undergo medical check-up before taking health insurance policy?
For most of the health insurance plans with Star health insurance, it is not mandatory to avail pre policy check-up. But there might be a requirement to undergo few medical checkups in case of customers with pre-existing conditions which varies on a case to case basis.
I forgot to renew my health insurance policy on time, what should I do now?
There is a concept of Grace period in every health insurance policy. If you are unable to pay the premium before the expiry date, then the insurance company would give you a grace period of maximum 30 days to pay the health insurance renewal premium. If the premium is paid before the grace period the policy would be in force and all the conditions satisfied under the policy would remain intact. If you do not pay the renewal premium after the expiry of the grace period, the policy would lapse and all the bonuses accumulated would be expired.
My S.I is Rs.4 Lacs but my hospital bill is Rs.5 Lacs. How much would Star Health Insurance pay?
The maximum claim amount that would be paid in case of any hospitalization would be the claim amount or the sum insured, whichever is less. For instance, if your sum insured is Rs.4 L and your hospital bill is Rs.5 L, insurance company would pay Rs.4 L which is the maximum liability of the insurance company. Any claim amount above the sum insured has to be borne by the insured, hence it is advisable to estimate the sum insured required at the time of policy purchase or renewal.
What if I get diabetes or Hypertension after taking the health insurance policy?
Few illnesses or diseases such as Diabetes or hypertension are considered as pre-existing diseases only if they are present prior to health insurance policy purchase. If these conditions are detected after taking the health insurance, the claim is paid considering these conditions as new. But for the claims to be paid in future, the health insurance policy should be renewed every year without fail.
What are pre and post hospitalization expenses?
There are certain expenses which are incurred before the hospitalization such as investigation tests, routine checkups and certain expenses which are incurred after the hospitalization such as follow-up tests. There are expenses incurred on the pre and post hospitalization tests which are covered under the Star health insurance plans. The pre and post hospitalization expenses are covered for a certain period such as 30 days and 60 days respectively.
How many day care treatments are covered under Care health insurance plans?
The number of day care treatments covered is different for different Star health insurance plans. Few plans cover up to 500 day care treatments while few plans cover 120+ day care treatments. It is advisable to talk to our health insurance expert before deciding on the type of health insurance plan. Due to the advancement in technology there are many diseases which are treated within a day and do not require in-patient hospitalization. These treatments are known as day care treatments and the maximum coverage under these plans is the sum insured mentioned in the policy.
What is co-payment in Star health insurance plan?
Co-pay is the amount of claim bill that has to be borne by the insured customer at the time of claim settlement. Star Health Insurance Company has co-pay up to 20% of the total claim amount. In most of the plans the co-pay is applicable to people above 61 years of age. It is important to check the co-pay condition before purchasing the policy as the co-pay would be applicable to each and every admissible claim payable under the policy.
What happens if my sum insured is expired before the policy period?
If your sum insured expires before the policy period, Star Health Insurance Company would reinstate/recharge your sum insured up to the existing limit without any premium to be paid. The reinstated sum insured can be used only for the treatment of new illness and the reinstatement is generally done only once during the policy period unless and until you opt for unlimited reinstatement option in which the sum insured would be reinstated unlimited number of times.
What happens if I’m not satisfied with my health insurance plan?
Every health insurance plan offers a cooling period or free look period of 15 days to react on the health insurance policy. If you are not satisfied with the service or the terms and conditions of the health insurance policy, you can cancel the policy by giving a notice to the insurance company within 15 days of receiving the policy copy. This 15 days time period is known as “Free look period” or “Cooling period”. If you wish to cancel your health insurance policy after the free look period a pro rata premium would be deducted by the insurance company and the remaining premium would be paid.
What is the waiting period for Maternity cover?
The minimum waiting period to avail maternity cover is 9 months while the maximum maternity waiting period is 2 years under different health insurance plans available with Star Health Insurance Company. The maternity waiting period would be applicable to all the new policy holders.
What is the renewal bonus available under Care health insurance plans?
Star Health Insurance Company offers a renewal bonus for customers renewing their health insurance policies. The renewal bonus is given if there is no claim in the previous year. It is also known as A claim bonus which is given at the time of renewal for every claim-free year. The maximum renewal bonus that can be offered is 150 % of the basic sum insured available under the policy with a certain percentage for each claim-free year. The no-claim bonus differs for different health insurance plans.
For more details on Star Health Insurance plans please visit our website or call our toll free number 1800-123-4003 to get assistance from our health insurance expert.