Star Group Health Insurance Policy - Coverages, Features, Benefits, Exclusions, Claim Process, Eligibility Criteria, Quotes | Buy and Renew Online

What is Star Group Health Insurance Policy?

Star Group Health Insurance Policy provides Health Insurance Coverage for hospitalisation expenses incurred by company employees and their Family members under a single Insurance Policy. The Group Health Insurance Policy covers Hospitalisation Expenses, Pre and Post-Hospitalisation Expenses, Daycare Procedures etc. incurred by the Insured Employee during the Policy Period.

About Star Health Insurance Company

Star Health & Allied Insurance Company (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.

What are the Key Features of Star Group Health Insurance Plan?

Star Health Group Health Insurance Policy is comprehensive Group Health Insurance Policy providing the following coverages:

1. Coverage for Hospitalization Expenses: Star Group Health Insurance Policy provides coverage for hospitalization expenses including expenses for Room Rent, Doctor’s Fees, Nursing Charges, Pharmacy Charges, Surgery Charges etc. Star Health Insurance Company provides a GMC Policy without any Room Rent Capping.
2. Coverage for Pre and Post-Hospitalization Expenses: Star Group Health Insurance Policy also provides Coverage for Pre and Post-Hospitalization Expenses, usually for a period of 30 days and 60 Days respectively.
3. Cashless Claims Settlement: Star Group Health Insurance Policy offers Cashless Claim Settlement facility at more than 14,000 network hospitals across India. The insured person can avail of cashless hospitalization by showing their health card at the network hospital. As a result, the Insured Employee does not have to pay any money out of his own pocket and the Claim is directly settled by Star Health Insurance Company with the Hospital. You can view the list of Star Health network hospitals at this Link – Star Health Insurance Network Hospitals List
4. Coverage for Pre-Existing Diseases: Star Group Health Insurance Policy covers Pre-Existing Disease Coverage from Day 1 without any waiting period. This is a big benefit of Group Health Insurance Policy.
5. Maternity Benefits: Star Group Health Insurance Policy provides coverage for maternity expenses including pre and postnatal care, delivery expenses and new-born baby cover without any waiting period. This is very helpful for female employees as well as spouses of male employees.
6. Coverage for Day Care Procedures: Star Group Health Insurance Policy also provides coverage for a wide range of Daycare Procedures like Cataract Surgery, Tonsillectomy etc. that do not require hospitalization.
7. Tax Benefits: Employers can claim deduction for the Premiums Paid towards Star Group Health Insurance Policy for Employees. The Tax Benefits of a Group Health Insurance Policy make it an attractive option to provide employee benefits for employers.

What are the Major Exclusions in Star Group Health Insurance Policy?

The major exclusions in Star Group Health Insurance Policy are as follows:

1. Treatments availed outside India are usually not covered under Star Group Health Insurance Policy. However, emergency treatment outside India can be opted for as an additional feature on payment of additional premium.
2. Change of gender treatments or cosmetic surgeries/procedures are not covered by the Insurance Policy
3. Expenses relating to treatment of obesity or treatment for weight control are not covered unless the conditions mentioned in the policy are covered
4. Expenses incurred for any treatment required due to injuries caused by participation in hazardous or adventure sports will not be covered by Star Group Health Insurance Policy
5. Expenses incurred for admission mainly for investigation or diagnostic purposes are excluded under the Star Group Health Insurance Policy
6. Treatment for Alcoholism, drug or substance abuse or any addictive condition and consequences thereof
7. Expenses for cosmetic or plastic surgery or any treatment to change appearance is excluded unless it is a medical necessity.

What is the Claim Process for Star Group Health Insurance Policy?

The claim process for Star Group Health Insurance Policy is listed below:

Star Group Health Insurance Reimbursement Claims Process

1. Intimate the Insurance Claim to the Star Health & Allied Insurance Company. The Insurance Company will provide a Claim Intimation Number so that the Claim Status can be tracked.
2. Make the payment to the hospital for the medical expenses incurred and keep original copies of all the Invoices and Reports.
3. Submit the required documents to the Star Health Insurance Company
4. The Group Health Insurance Company will verify the Claim Details, ask for additional documents if required and will approve or reject the Claim.
5. The approved Claim Amount gets credited directly to the Bank Account of the Insured

What are the documents required for a Reimbursement Claim under Star Group Health Insurance Policy?

The Insured needs to submit the following documents to Star Health Insurance Company to avail Reimbursement Claim Settlement under the Policy:

1. ID Proof and Mediclaim Card
2. Duly Filled and Signed Claim Form
3. Diagnostic Reports
4. Prescriptions and Pharmacy Bills
5. Pre and Post-Hospitalisation Bills
6. Final Hospital Bills
7. Discharge Summary

Star Group Health Insurance Policy Cashless Claims Process

The Cashless Claim Settlement Process under Star Group Health Insurance Policy is as follows:

1. The Insured approaches the nearest Network Hospital covered by the Star Health Insurance Company.
2. Show the Health Card issued by the Insurance Company to the Insurance desk at the hospital and fill the Pre-Authorization Claim Form provided by the hospital
3. The Hospital sends the Claim Form alongwith other relevant documents to Star Health for Claim Settlement
4. Star Health will inspect the details and inform the Insured about the approval or rejection of the Claim
5. 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 Insurance Company.

The advantage of cashless claim settlement is that the Policyholder does not need pay any amount from his own pocket as the Group Health Insurance Company directly settles the claim with the hospital.

You can view the list of Star Health network hospitals at this Link – Star Health Insurance Network Hospitals List

How to purchase a Star Group Health Insurance Policy for Employees?

Qian is a licensed Group Health Insurance Broker and can assist you to purchase a Comprehensive Group Health Insurance Policy for Employees. Employers need to follow the below mentioned steps to purchase a Star Health Insurance Policy for employees:

1. Contact Qian: If you wish to purchase a Star Group Health Insurance Policy for Employees, contact the Group Health Insurance Team at Qian by mailing them at insurance@qian.co.in. Provide them with employee details such as employee name, date of birth and gender.
2. Finalise Coverage and Quote: The second step is to finalise Group Health Insurance Coverages based on the budget and requirements. The team at Qian will provide you with coverages and quotes from various Group Health Insurance Companies. Compare the coverages, quotes and finalise the Insurance Company from the same.
3. Onboard Employees: After purchasing Star Group Health Insurance Policy, the team at Qian will assist you with the onboarding process for employees, share E-Cards and also assist you with the entire Claims Process in Group Health Insurance Policy.

What are the Benefits of Star Group Health Insurance Policy?

1. Affordable: Star Group Health Insurance Policy is affordable and the premiums are lesser than Individual Health Insurance Policies.
2. Comprehensive Coverage: Star Group Health Insurance Policy provides comprehensive coverage for hospitalization expenses, including pre and post-hospitalization expenses, ambulance charges, and maternity benefits.
3. Cashless Hospitalization: The Policy offers cashless hospitalisation facilities across a network of more than 6,000 hospitals across India. This means that the Insured Employee can avail cashless treatment across all major hospitals in India and does not have to worry about arranging cash for hospitalization expenses.

Is Medical Check-up Required Before Buying Star Group Health Insurance Policy?

Employees are not required to undergo a medical check-up before availing coverage under Star Group Health Insurance Policy.

Download Star Group Health Insurance Policy Wordings

Star Group Health Insurance Policy Wordings can be downloaded at the following link: Star Group Health Insurance Policy Wordings.pdf

Download Star Group Health Insurance Policy Claim Form

Star Group Health Insurance Policy Claim Form can be downloaded at the following link: Star Group Health Insurance Claim Form.pdf

Buy Star Group Health Insurance Policy with Qian!

Star Group health Insurance Policy is a very attractive employee benefit which offers comprehensive coverage at very affordable premiums. The features of Group Health Insurance Policy can be tailored to suit the needs and the budgets of the employer. If you wish to purchase a Group Mediclaim Policy for employees, you can email us at insurance@qian.co.in or call us on 022-35134695. We would be glad to assist you.