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Star Health insurance plans are designed to suit your requirements best as per your budget. By providing a guidance to the path of wellness through protection of prevention and cover, Star Health insurance helps the insured to guard oneself from costly health care.


Key Features

  • Inpatient hospitalization/treatment
  • Pre-hospitalization and Post-hospitalization expenses
  • Pre-existing diseases are included subject to prior coverage by a domestic insurer; usually for the four years preceding policy inception
  • Floater basis and individual basis
  • Reinstatement of sum assured
  • Individual basis: The sum assured is per person insured
  • Reinstatement of sum assured: Normally allowed after a specified number of claim-free years
  • (Room, nursing, boarding, surgery, anaesthetist, medical practitioner, consultation, specialists, oxygen, OT charges, X-ray, dialysis, chemotherapy, diagnostic materials, blood, medicine, drugs etc. depending on the plan chosen. This is not a restrictive list)
Star Health and Allied Insurance Co Ltd commenced its operations in 2006 with the business interests in Health Insurance, Overseas Mediclaim Policy and Personal Accident and thereby had the distinction of being the First Stand Alone Health Insurance company in India. With no other insurance category to focus and divide their attention, they usedtheir resources to focus on service excellence, design products and use core competency of innovation to deliver the best to all category of customers.

Star Health Insuranceoffers a wide range of comprehensive health insurance products at affordable prices to make health insurance accessible to every human being in India. And as a company, single-mindedly dedicated to health insurance, they have the been able to penetrate the average Indian household with their unique products and superior service on claims to become the largest Retail Health insurer in the country in 2018-19. Their USP’s include:
  • India’s First Stand-Alone Health Insurance Company
  • Pan India Presence With More Than 450+ Branch Offices
  • Cashless Hospitalization And Reimbursement Facility In Our Large Network Base With More Than 8800+ Hospitals Across India
  • Hassle-free and customer-friendly direct claim settlement without intervention of TPA
  • Wide Range Of Health Insurance Products From Individual Plans to Family Floater Schemes To Senior Citizen Health Coverage
  • Life Time Renewal of all policies
  • Over 5.4 lac claims settled in the financial year 2017-2018
  • 93% of cashless claims settled in less than 2 hours
They have also been the recipient of many awards in the Health Insurance domain including:
  • World Health Organisation (WHO) Award Of Excellence 2017
  • Best Health Insurance Provider of the year - Business Today, Money Today Financial Awards 2018-2019
  • ‘Claims Service Company Of The Year, 2014’, Beating 28 General Insurance Companies At The Indian Insurance Award
  • Rated Best Claim Settlement Insurer – Hindustan MaRs Survey

Critical factors of the Star Health insurance

  • Co-pay
  • Life long renewable
  • Pre-existing Diseases
  • Coverage
  • When you make a claim on your insurance coverage, Co-pay is the certain percentage of hospital bill that you pay from your pocket and the Insurer will pay the balance amount.
  • You will be covered for your entire lifetime with lifelong renewal option.
  • After a waiting period of 4 years any of your pre-existing condition will be covered.
  • There are different types of insurance policies by Star Health and Allied insurance to cover you in the event of medical emergencies and safeguard financial position. The insured can avail cost efficient medical treatment with the products designed by the company with the analysis of the economic fallouts of rising medical costs.
  • Each insurance policy has unique coverage to serve the insured in meeting varied medical costs. Some of the greatest benefits of buying insurance from the company are quick, easy and direct settling of claims (i.e. no third party involvement), cashless facilities and free telephonic medical advice at any time.

Star Health Insurance Products

  • Maximum coverage - Rs. 5,00,000 to Rs. 25,00,000.
  • 3 months to 65 years are eligible to buy this policy.
  • Offers life long renewal.
  • Maximum coverage - Rs. 2,00,000 to Rs. 3,00,000.
  • This policy is available for age between 5 months and 62 years of age
  • Life long renewal
  • Maximum coverage - Rs. 1,00,000 to Rs. 25,00,000.
  • This policy is available for age between 60 years and 75 years of age
  • Renewal beyond 75years of age.
  • Maximum coverage - Rs. 1,50,000 to Rs. 15,00,000.
  • This policy is available for age between 5 months and 60 years of age
  • Policy can be renewed life long.
  • Maximum coverage - Rs. 3,00,000 to Rs. 25,00,000.
  • This policy is available for age between 18 years and 65 years of age
  • Policy can be renewed up to 65 years of age
  • Maximum coverage - Rs. 3,00,000 to Rs. 10,00,000.
  • This policy is available for age between 18 years and 65 years of age
  • Guaranteed Lifetime Renewals beyond 65 years are offered under this policy.
  • Maximum coverage - Rs. 2,00,000 to Rs. 10,00,000.
  • This policy is available for age between 18 years and 65 years of age
  • Maximum coverage - Rs. 1,00,000 to Rs. 5,00,000.
  • This policy is available for age between 91 days to 65 years of age
  • Family means Self, Spouse, Dependent children up to 25 years of age
  • This policy is available for age between 18 years to 65 years of age
  • Children can be covered from 91 days to 25 yrs. Children can be covered only along with parents.
  • Available in individual and family floater basis.
  • Maximum coverage - Rs. 3,00,000 to Rs. 4,00,000.
  • This policy is available for age between 10 years to 65 years of age
  • The policy will be issued for a 1 year
  • Covers regular medi-claim and also specific cover to cardiac related complications
  • Maximum coverage - Rs. 3,00,000 and Rs. 5,00,000.
  • This policy is available 5 months to 65 years
  • A special policy from Star Health in India to cover HIV positive individuals.
  • Policy is accessible in Tier I and Tier II locations on an individual and floater basis.
  • Pre-hospitalization cover and post-hospitalization cover.
  • Hospital Cash benefits if treatment is taken at the hospital of the government.
  • This policy was intended specifically to provide health insurance cover for kids diagnosed with autism disorder
  • Any child diagnosed with Autism Spectrum Disorder between 3 years and 25 years of age can be covered.

Star Health insurance useful links

How to buy online?
How to buy online?

You can buy insurance online by using a credit/debit card, direct funds transfer using NEFT or RTGS or by using a cheque

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  • InstantCover Insurance Web Aggregator Private limited
    710, 6th B Cross, 16th Main Road, Koramangala 3rd Block,
    Bangalore - 560 034.
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CIN: U66000KA2018PTC117713 | IRDAI Web aggregator License Code Number: IRDAI / INT / WBA /53/ 2018, Valid till 07/08/2022