Star Health and Allied Insurance Company : Policies, Quotes, Claims, Features
GET A FREE QUOTE On Star health and Allied Insurance
WE CARE - we have strived to see the world through our clients' eyes. We are simply there for you - through good times and bad.
Table of Contents
About Star Health and Allied Insurance Company Ltd.
Star Health & Allied Insurance Company Limited (Star Health Insurance) is India’s leading private Health Insurance Company. The Company was incorporated in 2006 and has quickly emerged as one of India’s leading standalone Health Insurance Company. Star Health is headquartered in Chennai, Tamil Nadu, and has a strong presence throughout India.
The Company offers a range of Health Insurance Plans like Star Comprehensive, Star Premier, Star Cardiac Care, Star Critical Illness, etc. Star Health Insurance has a network of over 14,000 hospitals across India for cashless claims. The Company has insured 191 million lives and settled more than 82 million Insurance Claims since inception. The Company has a network of 850+ Branches and over 6.4 lakh Insurance Agents.
Star Health Insurance Company recorded a Gross Direct Premium of Rs13,154 Crores in FY23 vs Rs11,602 Crores in FY22, recording a Y-o-Y Growth. Profit After Tax Stood at Rs619 Crores in FY23 vs a loss of Rs1041 Crores in FY22. The Company processed 1.08 million Insurance Claims in FY23 and the Incurred Claim Ratio for FY23 stood at 63.58% for the Company. Star Health Insurance Company offers a wide range of Health Insurance Plans for Individuals and Families. In addition, it also offers Personal Accident Insurance Plans and Corporate Health Insurance Policies.
Star Health Insurance Company Ltd: An Overview
Parameters | Key Facts |
---|---|
Year Founded | 2006 |
Founder | Venkatasamy Jagannathan |
Headquarters | Chennai, India |
Offices in India | Star Health Insurance has 850+ branch offices in |
Authorized Capital | Rs800 Crores (as of March 31, 2023) |
Paid Up Capital | Rs581.7 Crores (as of March 31, 2023) |
Awards Won (2022 - 2023) | 2023: Digital Innovation of the Year (Health Insurance) 2022: The Best of Bharat Awards, by the editorial board of Exchange for media and Impact at the Pride of India Conference & Awards |
Gross Written Premium - FY23 | Rs13,154 Crores in FY23 |
Incurred Claim Ratio - FY23 | 63.58% |
Network Hospitals | 14862 |
Insurance Policies Offered by Star Health Insurance Company Ltd
Star Health Insurance Company offers a wide range of Health Insurance Plans like Group Health Insurance, Comprehensive Health Insurance Critical Illness Insurance, Senior Citizen Health Insurance, Super Top-Up Health Insurance etc.
Employee Benefit Insurance Offered by Star Health Insurance Company
Star Health Group Health Insurance Policy
Star Health’s Group Health Insurance Policy provides Health Insurance Coverage for hospitalisation expenses to company employees and their Family members under a single Insurance Policy. Key Features of Star Health Group Health Insurance Policy
- The Policy provides comprehensive Health Insurance Coverage for employees including Hospitalization Expenses, Pre and Post-Hospitalization Expenses, Daycare Procedures, Ambulance Charges etc.
- The Policy provides coverage for Employee, Spouse, Dependent Children and Dependent Parents.
- Provides Cover for Pre-Existing Diseases from Day 1
- Sum insured options range from Rs. 1 lakh to Rs. 1 crore
- Maternity Coverage without any Waiting Periods
- Customizable plans to suit the needs of the employer and employees
- Cashless treatment available at over 14,000 network hospitals across India
- New employees and dependents can be added and removed in the mid-term of the Policy through an Insurance Endorsement The Group Health Insurance Policy is a valuable employee benefit that can help employers attract and retain talent, and boost employee satisfaction and productivity.
Star Health Group Personal Accident Insurance Policy
Star Health offers comprehensive Group Personal Accident Insurance Plans that provide financial security against uncertain events like accidental death or disablement. These plans offer a lump sum payout in case of such unfortunate incidents.
Key Features of Star Health Group Personal Accident Insurance Policies
- Accidental Death Cover: The Policy pays 100% of the Sum Insured as a lumpsum payment in case of an accidental death.
- Permanent Total Disablement Cover: The Policy provides 100% of the Sum Insured for Permanent Total Disablement resulting from accidents.
- Permanent Partial Disablement Cover: The Policy offers a specified percentage of the Sum Insured for Permanent Partial Disablement resulting from an accident like loss of fingers or toes.
- Temporary Total Disablement Cover: Star Group Personal Accident Insurance Plan also covers Temporary Total Disablement due to accidents.
- Add-Ons like Child Education Grant, Loss of Job, OPD Expenses etc. can be opted for to enhance coverage.
- Cashless Claims Settlement facility available for Hospitalization Claims.
Health Insurance Products Offered by Star Health Insurance Company
Star Comprehensive Health Insurance Policy
Star Comprehensive Health Insurance Policy provides comprehensive Health Insurance Plan which provides 100% restoration of Sum Insured after exhaustion of Basic Sum Insured and Cumulative Bonus during the Policy Period. This plan is available on both a floater and an individual basis.
Key Features of Star Comprehensive Health Insurance Policy
- Policy provides cover for Hospitalisation Expenses
- Pre and post-hospitalization expenses are covered 60 days and 90 days respectively.
- Various Sum Insured Options available up to Rs1 Crores
- No Room Rent Limit under the Policy
- Maternity Coverage and New-Born Baby Coverage available under the Policy. The Limit for Maternity Coverage and New-Born Baby Coverage is as per the Sum Insured opted under the Policy. Waiting Period of 24 months for Maternity Coverage and New-Born Baby Coverage. This coverage is available only when both, Self and Spouse are covered under the Policy either on floater basis or on individual basis for a continuous period of 24 months
- The Policy provides cover for Out-patient Dental and Ophthalmic Treatment after a waiting period of 36 months. The Limit for Out-patient Dental and Ophthalmic Treatment is as per the Sum Insured opted under the Policy.
- The Policy also provides coverage for Health Check-up for every Claim Free Year where the Limit is as per the Sum Insured opted under the Policy.
- The Policy also provides coverage for Bariatric Surgery after a Waiting Period of 36 months where the Limit is as per the Sum Insured opted under the Policy.
- Waiting Period of 36 months for Pre-Existing Diseases. However, there is an option to reduce the Waiting Period for PED to 1 Year by paying additional premium.
- Waiting Period of 24 months for Specific Diseases
- No Co-Payment is applicable for People who have entered the Policy before attaining 61 years of age and the policy is subject to a Co-Payment of 10% of each and every Claim for insured persons whose age at the time of entry is 61 years and above.
- Eligible Entry age for Adults is 18-65 Years and for Dependent Children is 91 Days to 25 Years
- Lifelong Renewal
Star Health Senior Citizens Red Carpet Health Insurance Policy
Star Health Senior Citizen Red Carpet Health Insurance Policy is a specifically designed Senior Citizen Health Insurance Policy for elderly people over the age of 60. Th Policy does not require a pre-medical screening which is a big benefit. The Policy has devised an array of benefits and facilities to provide financial security against the various medical risks, ailments, and diseases to which they are exposed.
Key Features of Star Health Senior Citizens Red Carpet Health Insurance Policy
- Policy provides cover for Hospitalisation Expenses
- Pre and post-hospitalization expenses are covered 30 days and 60 days respectively. The Policy has a limit of 7% of the hospitalization expenses comprising of Nursing Charges, Surgeon / Consultant fees, Diagnostic charges, Medicines and drugs expenses for Post Hospitalisation Expenses
- Various Sum Insured Options available up to Rs25 Lakhs
- Room Rent Capping is applicable under the Policy and the Limit for the same depends on the Sum Insured chosen under the Policy.
- Star Health Senior Citizens Red Carpet Health Insurance Policy can be purchased as an Individual Health Insurance Policy or as a Family Floater Health Insurance Policy.
- Waiting Period of 12 months for Pre-Existing Diseases.
- Waiting Period of 24 months for Specific Diseases
- Sub-Limits – The Policy has Sub-Limits for various diseases depending on the Sum Insured opted for
- Co-payment – The Policy has a Co-Payment of 30% for All Claims
- Eligible Entry age is 60 Years to 75 Years
- Lifelong Renewal
Star Health Premier Insurance Policy
The Star Health Premier Insurance Policy is a specifically designed Insurance Policy targeting people aged 50 years and above. The Policy can be availed on an Individual and a Floater Basis as well. Star Health Premier Insurance Policy reimburses medical costs as well as provides coverage for non-medical expenses and advanced treatments, making it well-suited to meet both present and future needs.
Key Features of Star Health Premier Insurance Policy
- Various Sum Insured Options available ranging from Rs10 lakhs to Rs1 Crores
- No Medical Checkup required for Policy Issuance. However, if the specific medical records of the person proposed for Insurance are submitted, Company may offer a discount of 10% on the applicable premium
- Room Rent Limit of 1% of Sum Insured or Rs20,000 per day, whichever is less
- Pre and post-hospitalization expenses are covered 60 days and 90 days respectively.
- The Insured is eligible for a Cumulative Bonus equal to 20% of the Sum Insured for each claim free year, subject to a maximum of 100% of the Sum Insured.
- Waiting Period of 24 months for Pre-Existing Diseases
- Waiting Period of 24 months for Specified Diseases
- Lifelong Renewal
Star Health Super Surplus Insurance Policy (Gold Plan)
Star Health Super Surplus Insurance Policy is a Super Top-Up Health Insurance Plan which provides a large Health Insurance Coverage at affordable rates. The Policy has an entry age of 18 years to 65 years and does not require a medical checkup.
Key Features of Star Health Super Surplus Insurance Policy
- Various Sum Insured Options available up to Rs1 Crores with various deductible options ranging from Rs3 lakhs to Rs25 lakhs
- The Policy covers hospitalisation expenses without any sublimits
- No Medical Checkup required for Policy Issuance
- Floater Option available to cover Spouse and Dependent Children
- No Room Rent Limit under the Gold Plan
- Pre and Post-Hospitalisation Expenses Coverage for 60 days and 90 Days
- Maternity Benefit of Rs50,000 after a Waiting Period of 12 months if both, Self and Spouse are covered under the Policy
- Waiting Period of 12 months for Pre-Existing Diseases
- Waiting Period of 12 months for Specified Diseases
- Lifelong Renewal and Affordable Premiums
Star Health Family Health Optima Insurance Plan
Star Health Family Health Optima Insurance Plan is a Family Floater Health Insurance Policy which insures the entire family under a single Sum Insured. The Policyholder can insure Self, Spouse, Dependent Children, Dependent Parents and Dependent Parents-in-law under the Policy.
Key Features of Star Health Family Health Optima Insurance Plan
- Policy covers Hospitalisation Expenses
- Various Sum Insured Options available up to Rs1 Crores with various deductible options ranging from Rs3 lakhs to Rs25 lakhs
- Any person aged between 18 years and 65 years, can take this Insurance Policy
- Room Rent Limit under the Policy is dependent on the Sum Insured chosen under the Policy
- Pre and Post-Hospitalisation Expenses Coverage for 60 days and 90 Days
- The Insured is eligible for a Cumulative Bonus for each claim free year equal to 25% of the Sum Insured in the second year and additional 10% of the expiring Sum Insured for the subsequent years, subject to a maximum of 100% of the Sum Insured.
- Co-Payment: The Policy is subject to Co-Payment of 20% for each and every claim for Insured Person whose age at the time of entry is 61 years and above.
- Waiting Period of 48 months for Pre-Existing Diseases
- Waiting Period of 24 months for Specified Diseases
- Lifelong Renewal and Affordable Premiums
Star Health Arogya Sanjeevani Insurance Policy
Star Health Arogya Sanjeevani Policy is a standard Health Insurance policy which provides coverage for Hospitalisation expenses incurred by the Insured. The Policy off¬ers coverage against Hospitalisation expenses, Pre and Post-Hospitalisation Expenses and AYUSH treatment. Any Person aged between 18 to 65 years can avail this Insurance Policy
Key Features of Star Health Arogya Sanjeevani Insurance Policy
- Various Sum Insured Options available from Rs50,000 upto Rs10 lakhs
- Room Rent Limit of 2% of Sum Insured subject to a maximum of Rs5000 per day for Normal Rooms and 5% of Sum Insured subject to a maximum of Rs10,000 per day for ICU Rooms
- Pre and Post-Hospitalisation Expenses Coverage for 30 days and 60 Days
- Cumulative Bonus of 5% per year for every Claim Free Year, provided that the Policy is renewed without a break every year, subject to a maximum of 50% of Sum Insured.
- Waiting Period of 48 months for Pre-Existing Diseases
- Waiting Period of 24 and 48 months for Specific Diseases
- Co-Payment of 5% on each and every claim
- Lifelong Renewal
Star Health Diabetes Safe Insurance Policy
Star Health Diabetes Safe Insurance Policy is a Health Insurance Policy specifically targeting diagnosed with Type-1 and Type-2 Diabetes. Any Person aged between 18 to 65 years can avail this Insurance Policy. Star Health Diabetes Safe Insurance Policy provides coverage for all hospitalisation expenses arising out of Diabetes and Hypertension from Day 1. This Policy also covers regular hospitalization expenses for other illness / disease / accidental injuries. This Policy is available in two variants, Plan A and Plan B, for the convenience of policy seekers, allowing them to select the plan that best meets their needs.
Key Features of Star Health Diabetes Safe Insurance Policy
- Various Sum Insured Options available from Rs3 lakhs to Rs10 lakhs
- Plan A has no Waiting Period for all Hospitalization Expenses arising due to complications of Diabetes while Plan B has a Waiting Period of 12 months for all Hospitalization Expenses arising due to complications of Diabetes
- The Policyholder can avail treatment under a Single Standard AC Room under the Policy
- Pre and Post-Hospitalisation expenses are covered 30 days and 60 days respectively. The Policy has a limit of 7% of the Sum Insured or Rs5000 per hospitalisation, whichever is less, for Post-Hospitalisation Expenses
- Waiting Period of 48 months for Pre-Existing Diseases other than diabetes.
- Waiting Period of 12 months for Specific Diseases
- Lifelong Renewal
Star Health Cardiac Care Insurance Policy (Platinum Plan)
Star Health Cardiac Care Insurance Policy is a specially designed Health Insurance Plan to cover individuals between 7 Years to 70 years who are diagnosed with cardiac ailments and treated with cardiac surgical intervention. The Policy is dedicated to individuals who have taken treatment for cardiac ailment in the past and have also undergone Surgical intervention or procedure for Cardiac ailments.
Key Features of Star Health Cardiac Care Platinum Insurance Policy
- Policy Covers hospitalisation expenses
- Various Sum Insured Options available from Rs5 lakhs to Rs15 lakhs
- No pre-acceptance medical screening, however the proposer has to submit all the past medical records of the person proposed for Insurance.
- The Policyholder can avail treatment under a Single Standard AC Room under the Policy
- Pre and Post-Hospitalization Expenses are covered 30 days and 60 days respectively.
- Cumulative Bonus of 10% per year for every claim free year, provided that the Policy is renewed without a break every year, subject to a maximum of 100% of Sum Insured.
- Waiting Period of 48 months for Pre-Existing Diseases however, for Cardiac Ailments which is a Pre-Existing Disease, the Waiting Period is 30 days.
- Waiting Period of 24 months for Specific Diseases
- The Policy has a Sub Limit 50% of Sum Insured for Cardiac Devices
- Lifelong Renewal
Star Health Cancer Care Platinum Insurance Policy
Star Health Cancer Care Platinum Insurance Policy is a specific Health Insurance Plan targeted for persons diagnosed with Cancer. The Policy provides coverage for medical expenses incurred for Cancer and Non-Cancer Ailments. Persons who have been diagnosed with Cancer, aged between 5 months and 65 years can purchase this Insurance Policy.
Key Features of the Star Health Cancer Care Platinum Insurance Policy
- Various Sum Insured Options available for from Rs5 Lakhs to Rs10 Lakhs.
- Pre and Post-Hospitalization expenses are covered 30 days and 60 days respectively. The Policy has a limit of 2% of the Sum Insured per hospitalisation for Post-Hospitalisation Expenses
- Policy provides coverage for Modern Treatment Methods subject to Sub-Limits
- Co-Payment of 10% on each and every claim
- Policy also provides a Lumpsum Payment for Cancer if the Insured Person suffers a recurrence, metastasis, and / or a second malignancy unrelated to first cancer. This cover is available on payment of additional premium and a Waiting Period of 30 months is applicable for this cover.
- Cumulative Bonus of 5% per year for every Claim-Free Year, provided that the Policy is renewed without a break every year, subject to a maximum of 50% of Sum Insured.
- Waiting Period of 30 months for Pre-Existing Diseases
- Waiting Period of 24 months for Specific Diseases
- Lifelong Renewal
Star Critical Illness Multipay Insurance Policy
Star Critical Illness Multipay Insurance Policy is a Critical Illness Insurance Policy providing lumpsum benefit on diagnosis of Critical illnesses related to Cancer, Heart, Brain & Nervous System and Major Organ & Other Conditions as listed in the 4 group categories. People aged between 18 years to 65 Years can avail this Insurance.
Key Features of the Star Critical Illness Multipay Insurance Policy
- Various Sum Insured Options available from Rs5 lakhs to Rs25 lakhs
- No medical screening is required where the person proposed for Insurance is up to 50 years of age. If the person proposed for Insurance is above 50 years of age and for those who declared adverse medical history, a Medical Examination is required.
- A lumpsum payment is made to the Insured if the Insured Person is diagnosed with any specified Major Diseases
- Any non-specified diseases are not covered under the Policy
- Waiting Period of 48 months for Pre-Existing Diseases
- Lifelong Renewal
Star Health Hospital Cash Insurance Policy
Star Hospital Cash Insurance Policy offers a lumpsum benefit to the Insured Person for the period of hospitalisation for the expenses incurred by the insured during hospitalization due to Illness / Sickness / Injury. This Health Insurance Policy cover incidental expenses such as travelling, food etc. which are not covered under a regular Health Insurance Policy in an event of Hospitalization.
Key Features of Star Hospital Cash Insurance Policy
- Star Hospital Cash Insurance Policy is offered in 2 variants: Basic Plan and Enhanced Plan. The Basic Plan provides a lumpsum benefit of various amounts such as Rs1000, Rs2000 and Rs3000, while the Enhanced Plan provides a lumpsum benefit of various amounts such as Rs3000, Rs4000 and Rs5000 etc. for every day the Insured is hospitalised.
- The Insured can choose various plans based on the number of days of hospitalisation such as 30 days, 60 days, 90 days, 120 days and 180 days
- Policy provides coverage on Individual and a Floater Basis
- Waiting Period of 24/36 months for Enhanced/Basic Plan for Pre-Existing Diseases
- Waiting Period of 24/36 months for Enhanced/Basic Plan for Specific Diseases
- Lifelong Renewal
Star Health Outpatient Care Insurance Policy – Platinum Plan
Star Outpatient Care Insurance Policy is a specially designed Insurance Policy to cover Outpatient Expenses. OPD Expenses are normally not covered under a regular Health Insurance Policy and hence this Insurance Policy addresses a critical gap in the regular Health Insurance Plans. Star Outpatient Care Insurance Policy covers Doctor’s Fees, Diagnostic Test Expenses, Pharmacy Bills, Physiotherapy and Other Expenses. This is only a standalone plan for outpatient consultation.
Key Features of Star Health Outpatient Care Insurance Policy – Platinum Plan
- Various Sum Insured Options available from Rs25,000 to Rs1 lakhs
- Policy is available as an Individual Health Insurance Policy or as a Family Floater Health Insurance Policy
- The Policy provides cover for Outpatient Consultation expenses, Non-Allopathic treatment Expenses, Diagnostics, Physiotherapy and Pharmacy Expenses, Dental treatment expenses, Ophthalmic Treatment expenses arising out of accident incurred at any Networked Facility in India
- For every 2 consecutive claim-free years, the Insured Person is entitled to a 25% discount on the premium at renewal.
- Waiting Period of 12 months for Pre-Existing Diseases for the Platinum Plan
- Lifelong Renewal
Star Health Young Star Insurance Policy
Star Health Young Star Insurance Policy is a specially designed Insurance Policy for young people. The Policy provides coverage to Self, Spouse and 3 Dependent Children.
Key Features of Star Health Young Star Insurance Policy
- Various Sum Insured Options available under the Policy from Rs5 Lakhs to Rs1 Crores
- The plan is available in 2 variants: Silver Plan and Gold Plan
- The Insured can opt for a Single Private A/C Room under this Policy
- Pre and Post-Hospitalization expenses are covered 60 days and 90 days respectively.
- Cumulative Bonus of 20% per year for every Claim-Free Year subject to a maximum of 50% of Sum Insured
- The Gold Plan Variant offers additional Maternity Benefit Coverage up to Rs30,000 per delivery after a Waiting Period of 36 months
- The Gold Plan Variant also offers an additional Hospital Cash Benefit of Rs 1000 for each completed day of hospitalisation subject to a maximum of 7 days per hospitalization and 14 days per Policy Period in case of an admissible Claim
- Waiting Period of 12 months for Pre-Existing Diseases
- Waiting Period of 12 months for Specified Diseases
- Lifelong Renewals
Personal Accident Insurance Policies offered by Star Health Insurance Company
Star Health Accident Care Insurance Policy
Star Health Accident Care Insurance Policy is a Personal Accident Insurance Policy that pays a Lumpsum Benefit to the beneficiary in case of Accidental Death or Permanent Total Disablement of the Policyholder. The Insurance Policy provides coverage for Accidental Death, Permanent (Total or Partial) Disablement and Temporary Total Disablement. Any Person between the age of 18 years and 70 Years can purchase the Policy.
Key Features of Star Accident Care Insurance Policy
- Star Health Accident Care Insurance Policy provides coverage against Accidental Death, Permanent Total Disablement, Permanent Partial Disablement or Temporary Total Disablement resulting from an Accident.
- Sum Insured is decided on the basis of monthly income of the Insured.
- You can purchase this policy as a Floater Policy or an Individual Policy. You can Insure Spouse and Dependent Children under a Floater Policy
- Premium Discount: A 10% premium reduction is offered if the policy is selected on a family basis.
- Various add-on covers are available under the Policy such as Children’s Educational Grant, Transportation expenses of mortal remains, Hospitalisation Expenses for Accidental Claims etc.
Star Health Insurance Travel Insurance Plans
Star Health Insurance Company offers comprehensive Travel Insurance Policies for Individuals, Students, Senior Citizens, Corporates, Groups etc. as per their specific needs and trip requirements.
Star Travel Protect Insurance Policy
Star Travel Protect Insurance Policy insures your trip to another country. The Insurance Policy covers Medical Expenses, Trip Cancellation due to specified reasons, Lost or Delayed Baggage, Passport Loss, Personal Liability, Hijack Cover etc.
Key Features of Star Travel Protect Insurance Policy
- Sum Insured from USD50,000 to USD500,000
- Provides Cover for Emergency Medical Expenses
- Provides Cover for Loss of Checked in Baggage, Loss of Passport etc.
- Provides Cover for Trip Cancellation, Trip Delay etc.
Star Student Travel Protect Insurance Policy
Star Student Travel Protect Insurance Policy is a Travel Insurance Plan specially designed for students who want to travel abroad for higher education or training programs. The Policy provides covers like Study Interruption, Sponsorship Protection, Bail Bond, Compassionate Visit by Parents, University Insolvency etc.
Key Features of Star Student Travel Protect Insurance Policy
- 3 Sum Insured Options available under the Policy – USD50,000, USD100,000 and USD250,000
- The Policy provides cover for Emergency Medical Expenses
- Maximum Period of Star Student Travel Protect Insurance Policy is 365 Days with a further option to extend by 365 days
- Plans suit university requirements which enable students to seek waiver from Compulsory University Insurance
- Provides cover for Study Interruption where Tuition Fees are paid in advance where the student is unable to continue the studies on medical grounds due to covered injury or sickness
- The Policy provides reimbursement of Tuition Fees incurred in case of the death of the Sponsor for remaining period of Education subject to Maximum Sum Insured
- Policy applicable for students in the age group of 15 to 40 years
How to Purchase Star Health Insurance Policy?
The steps to purchase a Star Health Insurance Policy are as follows
Online Process to purchase a Star Health Insurance Policy
- Go to Star Health Insurance Website, select the relevant Insurance Product and Click on Buy
- Fill in the online form providing your basic details such as Name, Gender, Address Nominee Information, preferences for add-on covers etc.
- The Insurance Premium will be displayed. Review the premium and coverage details.
- Make the Premium payment online using net banking, UPI, debit/credit card, wallet etc.
- The Policy Document will be emailed to your registered email id immediately.
Offline Process to purchase a Star Health Insurance Policy
- If you prefer to purchase a Policy offline, go to the nearest company branch or the Insurance Broker, where their experts will guide you through the entire process. Qian is a licensed Insurance Broker with Star Health Insurance Company and can assist you in comparing and purchasing the relevant Star Health Insurance Policy based on your requirements.
How to File a Claim with Star Health Insurance Company?
The steps to file an Insurance Claim with Star Health Insurance Company are listed below:
Intimate Claim
You need to intimate Star Health and Allied Insurance Company about the claim by either:
- Go to the Star Health Website, Click on Claims, select the relevant Insurance Policy (Health Insurance or Personal Accident Insurance) and register a claim by providing details like Patient Information, date of incident etc.
- The Insurance Company will provide a Claim Intimation number upon successful registration of the Claim
Star Health Insurance Claim Settlement Process – Cashless Claim Settlement
In order to avail Cashless Claim Settlement under the Star Health Insurance Policy, the Policyholder must follow the steps listed below:
- Locate the nearest network hospital covered by the Star Health Insurance Policy to avail treatment
- Inform Star Health & Allied Insurance Company about the hospitalization before 3-4 days in case of a planned hospitalization and within 4-5 hours in case of an emergency
- Show the Health Card issued by the Insurance Company to the insurance desk at the hospital.
- Fill the Pre-Authorization Claim Form provided by the hospital
- The Hospital sends the Pre-Authorization Claim Form to Star Health Insurance Company for Claim Settlement
- The Insurance Company will inspect the details and inform the Insured about the approval or rejection of the Claim
- Once the Claim gets approved, the hospital sends the expenses and receipts to the Insurer and the hospital gets reimbursed for the treatment expenses directly by Star Health Insurance Company. The advantage of cashless claim settlement is that the Policyholder does not need pay any amount from his own pocket.
Star Health Insurance Claim Settlement Process – Reimbursement Claim Settlement
If the Policyholder chooses a non-network hospital, he will have to opt for Reimbursement Claim Settlement. The Reimbursement Claim Settlement is listed below:
- Inform Star Health Insurance Company within 24 hours of admission to the hospital. The Company will provide the Policyholder with a Claim Intimation Number after the claim is raised so that the Claim Status can be tracked.
- Make the payment to the hospital for the medical expenses incurred and keep original copies of all the Invoices.
- Submit the required documents to Star Health Insurance Company
- The Insurance Company will verify the Claim Details, ask for additional documents if required and will approve or reject the Claim.
- The approved Claim Amount gets credited directly to the Bank Account of the Insured
What are the documents Required for a Reimbursement Claim under a Health Insurance Policy?
The Insured needs to submit the following documents to Star Health to avail Reimbursement Claim Settlement under the Policy:
- ID Proof, Policy Health Card and Address Proof
- Duly Filled and Signed Claim Form
- Pathology Reports
- Medicine Prescriptions and Pharmacy Bills
- Pre and Post-Hospitalisation Bills
- Hospital Bills
- Discharge Summary
Purchase Star Health Policies with Qian
Qian is a licensed Insurance Broker with Star Health Insurance Company. We assist you with the entire Insurance Policies as well as Claim Settlement Process with Star Health Insurance Company. Get a Quote for Star Health Insurance Company’s Insurance Policy with Qian via email at insurance@qian.co.in or call us on 022-35134695. We would be glad to assist you.
Testimonials
Average Customer Rating:
0 / 5 Star (0 reviews)
Hemik of Qian is knowledgable, prompt and very professional - highly recommended. I had to claim for a critical illness under my health insurance policy and Qian’s assistance with the claims process and advice on how to deal with the insurer was invaluable.