Health Insurance 59329 views July 28, 2019

Star Health Insurance

About Star Health Insurance

NameStar Health and Allied Insurance Co. Ltd.
Company TaglineThe Health Insurance Specialist
ChairmanVENKATASAMY Jagannathan
Founded2006
HeadquartersChennai
OwnerSafecrop Investments India LLP
Westbridge AIF I
Mr Rakesh Jhunjhunwala
Mrs Rekha Jhunjhunwala
Serving CountryIndia
ProductsHealth, Personal Accident and Overseas Travel Insurance
Total No of Employees10600+
Operating incomeRs.1480 Cr, as on 31st March 2019

A renowned name in the health insurance sector, Star Health Insurance continues to enjoy the reputation for its multiple health insurance plans catering to the myriad needs of its customers. As the health insurance needs continue to advance and differ with changing times, companies like Star Health have modified their health insurance policies in sync with growing needs.

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More than a decade old, Star Health and Allied Insurance Company Limited continues to sell health insurance plans, overseas mediclaim policies and personal accident cover to its customers. The company operates through more than 400 branches across India and other countries. Moreover, the company’s customers find it easy to avail cashless benefits due to its large network and tie-up with more than 8000 hospitals in the country.

Why Choose Star Health Insurance?

Buying health insurance plans from Star Health has its own benefits. These include:-

  1. Star Health operates through more than 300 branches in India alone.
  2. Claim settlement does not involve any intervention of the third-party administrator (TPA)
  3. Incurred Claim Ratio exceeds 60 percent

Different Types Of Star Health Insurance Plans

An increasing number of people prefer to buy health insurance plans sold by Star Health Insurance. Some of the most popular plans include:-

Star Family Health Optima Insurance Plan

This is a family cover created to extend protection to all your loved ones. Instead of buying different health insurance policies for different family members, interested customers can opt for a family health cover at affordable premium rates. Customers, aged 18-65 years, can opt for Star Family Health Optima Insurance Plan with the opportunity to renew the it each year till they turn 65 years old. Also, customers not making any claims during a particular year are rewarded with free health check-up benefits, thus, eliminating any fear of suffering from any critical disorder. The company also gives facilities for auto recharge at no added charges. Newborn children are covered from the 16th day of their birth, which means that even the new additions to the family are covered without seeking an additional plan promising health insurance for kids. Daycare procedures are covered under health insurance policies sold by this company.

Star Senior Citizens Red Carpet Health Insurance Plan

Senior citizens, aged 60-75 years, often find it difficult to procure a health insurance plan owing to many health insurance companies in India not willing to take the risk of bearing the costs of their hospitalization and subsequent treatment. However, this plan by Star Health Insurance ensures that senior citizens have access to the health cover necessary for their old days. The Star Senior Citizens Red Carpet Health Insurance Policy secures against expenses on treatment of pre-existing disorders from the second year of the policy inception and does not mandate its customers to go through any pre-insurance medical test. The highest sum insured amount is Rs 10 lakhs and policy renewals are guaranteed each year at no extra costs. Moreover, customers opting to buy the plan are entitled to 5 percent discounts while buying the policy.

Hospitalization expenses are covered subject to the condition that the patient has been admitted to the hospital for treatment for a minimum of 24 hours. Pre-hospitalization expenses are covered for up to 30 days while post-hospitalization charges are paid in a lump sum up to the limit specified in the terms and conditions of the policy.

Star Super Surplus

Unsure of what lies in future or the potential health problems that their loved ones may suffer from, many customers prefer to opt for a higher sum insured in lieu of paying nominal premium charges. Depending on one’s own need, customers can opt for an individual health cover or a family floater health insurance policy. The eligibility to buy the Star Super Surplus plan remains the same as in others, i.e., 18-65 years. The plan is available in two options – silver and gold and pre-existing disorders are covered after a waiting period of three years.

Star Health Insurance Comprehensive Plan

The best kind of comprehensive health insurance cover that customers may buy for themselves and their loved ones. While customers aged between 18 years and 65 years can opt to pay for this health insurance policy, their dependents aged between three months and 25 years are equally covered under this plan. Unlike most other health insurance plans marred with conditions including room rent limit and limit on the cost of treatment, this Star Health Insurance Comprehensive Plan covers more than 400 day-care procedures. One of the most unique features of buying this plan is that it extends to personal accident or permanent disability at no added charges. Moreover, for every claim-free year, the policyholder avails a rise in the sum assured equal to the amount of health cover sought while buying the policy.

Star Medi-Classic Insurance Plan

This policy was initially designed to ensure to cover those looking for individual policies. Available for anyone aged between 5 months and 65 years, this health insurance company allows scope for automatic restoration of the entire sum insured by two times. Moreover, with more than a hundred day-care procedures covered and No Claim Bonus benefits (NCB) ranging from 5 percent to 15 percent for each claim-free year. While most policies do not cover critical disorders like HIV, the Star Medi-Classic Insurance Policy covers patients suffering from sexually transmitted diseases after the mandatory waiting period of four years.

Star Gain Health Insurance Plan

This health insurance plan can be availed by both individuals and families and covers expenses of both inpatient and outpatient treatment options. Customers aged between five months and 65 years can buy the Star Gain Health Insurance Policy, while NCB to the tune of 10 percent can be availed on the health policy renewal. Some of the essential features of this plan include daily hospitalization cover up to one percent of the sum insured each day, pre-hospitalization expenses and post-hospitalization expenses for up to 30 days and 60 days respectively, co-payment options and multiple premium options.

Star Criticare Plus

Nine major types of disorders are covered under this plan. The health insurance company pays in a lump sum on detection of any of critical illnesses listed under this plan. Unlike most other health plans sold by health insurance companies in India that do not cover expenses on non-allopathic treatment, the Star Criticare Plus allows scope for non-allopathic treatment up to a certain specified limit. Just like other health insurance plans sold by this company, this health policy also covers customers aged 18-65 years.

Star Diabetes Safe Insurance Plan

Designed for diabetic patients, this policy enables the covering of hospitalization expenses for patients suffering from Type 1 and Type 2 diabetes. The plan includes both individual and family floater plans. Customers may choose from the two plans available under this policy. Moreover, the Star Diabetes Safe Insurance Policy covers the expenditure incurred on more than 400 daycare procedures while automatic restoration of the entire amount of sum insured is possible if the customer exhausts the existing sum insured. The plan also allows payment for artificial limits up to a certain predetermined limit in the event of amputation.

Star Health Insurance Care Plan

This plan is different as it is more about reimbursement than the cashless benefits available in other plans. Available as both individual and family floater health insurance policies, the Star Health Insurance Care Plan offers cash benefit in case the treatment is done at a government hospital. Available to customers aged between 18 years and 65 years, this plan suits best to customers living in Tier 1 and Tier 2 cities. Whole life renewal is also allowed under this plan.

Star Cardiac Care Insurance Plan

This is a different kind of cover as it is meant to cover against heart ailments only. Customers, aged 10-65 years, can buy this plan that comes with Gold and Silver options. This plan already covers 405 day-care procedures in addition to pre and post-hospitalization expenses subject to the limits specified in the policy. The waiting period for treatment of pre-existing health problems is 48 months. The Star Cardiac Care Insurance Policy covers personal accident, heart operation, and out-patient expenditure. The minimum period of hospitalization must be 24 hours for it to be covered under the policy.

Star Cancer Care Gold

This is unlike other cancer policies sold in the market. Mostly availed by customers prone to cancer and wish to seek a cover against expenses on treatment of the illness, this plan includes two different options of the sum insured, viz., Rs 3 lakhs and 5 lakhs. Customers, aged from five months to 65 years, can pay for this plan. The maximum policy duration of Star Cancer Care Gold is one year and covers both individual customers along with their loved ones. Pre and post-hospitalization expenses are covered for up to 30 days and 60 days, respectively.

Star Micro Health Insurance

This plan is a basic health insurance cover available at affordable premium rates. More than just treatment, this plan pays towards ambulance charges for transportation of the insured. Available to anyone between the age group of five months to 65 years, the Star Micro Health Insurance is best suited for those living in Tier 1 and Tier 2 cities.

Some essential features of this plan include

  1. Pre- and post-hospitalization expenses covered under this health policy
  2. Reimbursement of the expenses incurred if the treatment has been carried out at a government-run hospital
  3. Medical expenses up to the limit of 7 percent of the hospitalization expenses covered subject to a limit of Rs 3000 only
  4. Post-hospitalization expenses up to 60 days from the date of discharge from the hospital
  5. ICU charges up to Rs 2000 up to the limit of Rs 10,000 for every hospitalization.

Star Health Insurance Netplus

Treatment of sexually transmitted diseases cost a lot. This special policy designed for customers afflicted with HIV. There is no restriction on who is eligible to buy the Star Health Insurance Netplus. Anyone including those working with the government or non-governmental organizations and registered societies may buy insurance for any of its members diagnosed with this chronic disease.

Star Special Care

Mental health problem in India mostly goes unrecognized. Lack of treatment options coupled with necessary health cover makes it all the more difficult to seek the necessary treatment. The Star Special Care insurance policy is the best for children diagnosed with autism problems and needs regular treatment to get rid of this disease. The policy tenure of this plan, like most other plans, is limited to a year. The maximum amount of sum assured is Rs 300,000. Moreover, the co-payment clause allows the policyholders to co-pay up to 20 percent on each claim, thus, reducing the premium charges. The policyholders’ children do not have to go through any prior medical screening process. In addition, post-hospitalization expenses equivalent to 7 percent of the hospitalization expenses or that incurred up to two months post discharge from the hospital.

Benefits of Star Health Insurance Plans

Star Health Insurance Plans are studded with attractive features and benefits that make your health insurance journey with the company truly rewarding. Here’s a list of USPs Star Health Plans for which you could join hands with the insurer. 

Dedicated Health Insurance Plans – While comprehensive health insurance plans of Star Health make a nice impression for the insured, its dedicated plans are equally good. It offers dedicated health plans for people affected by diseases such as diabetes, cancer and heart-related ailments. All these plans ensure a handsome sum for the insured upon the diagnosis of these diseases.

Attractive Bonus Payment – Star Health Insurance Plans reward you for not claiming in a financial year. So if you stay fit and don’t claim, Star Health will raise your sum insured without charging you any extra premium for the same. The sum insured can rise by as much as 100%, helping you deal with healthcare expenses even better.

Automatic Restoration – While not claiming raises your sum insured, exhausting the same due to claims won’t push you back either. Yes, the sum insured can be restored automatically for subsequent hospitalization as well as for illnesses or diseases for which you have already claimed in the past. 

Direct In-house Claim Settlement – With no third-party administrator in place, the claims are getting settled directly by the insurer. The in-house claim settlement department ensures speedy disbursal of the claim amount.

No Capping on Room Rent – Normally, health insurance plans come with a sub-limit on room rent. But that’s not the case with Star Health plans. The no sub-limit allows you to choose the room of your choice when getting hospitalized.

Premium Discounts for Staying Healthy – Star Health Insurance rewards you for staying healthy by giving you discounts on your renewal premium. It assesses your health through various tests and upon achieving the desired parameters, you stand to gain reward points that you could use to get discounts on your premiums.

Star Health Insurance Renewal

You can renews your Star Health Insurance Plan on the website of the insurer itself. All it takes is a few steps that you can check below.

  • Visit the official website of Star Health Insurance and click on ‘Renewals’
  • Enter your Policy Number and Date of Birth before pressing the ‘Renew Now’ button
  • The premium amount and payment options – net banking, debit/credit card, wallets – will appear on the screen
  • Choose the option you want to pay the premium with
  • Once the payment is done, the policy gets renewed and keeps your benefits intact

How to Claim Star Health Insurance?

Claiming a Star Health Insurance policy is easy through cashless and reimbursement modes. Let’s check the steps to follow in each of these modes.

Cashless Claim Steps

Cashless claim means you don’t need to pay for your healthcare expenses. Instead, the insurer will do the same on your behalf. But that is applicable only when your treatment takes place at a network hospital of the insurer. You can check the list of such hospitals on the official website of the insurer or the manual provided by it.

  • In case of a planned hospitalization – Visit the network hospital before the date of admission, show the health ID and fill the pre-authorization form. The network hospital will send the form to the insurer for approval.
  • In case of an emergency hospitalization – Intimate Star Health within 24 hours of hospitalization by telling the health ID and policy number to the customer care representative of the company. You can even visit the nearest Star Health office or email it at support@starhealth.in
  • At the time of discharge, the network hospital will send the treatment documents, medical bills and other stuff to the insurer, which will then evaluate the claim and approve it according to the terms and conditions laid down in the agreement. Bear in mind that Star Health won’t honour any non-payable items.

Reimbursement Claim Steps

In case the network hospital is far from your residence or office, you can get yourself admitted to a non-network hospital, pay for the expenses upfront and submit the required documents post the discharge from the hospital. The insurance company will evaluate the documents and reimburse the amount to your bank account at a later date. Below are the documents you need to submit for reimbursement claims.

  • Duly filled claim form
  • Original bills, receipts, discharge certificate from the hospital
  • Original bills of chemists backed by original prescription
  • Receipt and investigation test reports of a pathologist
  • Surgeon’s bills and receipts
  • Documents suggesting the nature of operation performed
  • Certificate from the treating doctor
  • Self Declaration/MLC/FIR in accident-related matters
  • KYC and NEFT details

Note – Do intimate Star Health on its toll-free number before filing a reimbursement claim.

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