As we know health is wealth. And with the same belief Star Health has offered a wide range of products so that the customer can choose any plan. Star health is very popular insurance provider in the insurance industry. Star Health insurance products are available at an affordable price. Star Health has in-house claims team and hence lesser time for claims processing. Star Health has more than 9,900+ network of hospitals which they can cater their policy holder needs. Some of the popular plans of Star Health are Star Health Family Health Optima for family and a floater policy. Star Health insurance for senior citizens red carpet, Star Health insurance for diabetes, Star Health's Star Comprehensive Insurance Policy and more.
Key Features of Star health insurance
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
Star Health Insurance Review
1 lac − 100 lacs options available
1, 2, 3 years options available
Claims Incurred Ratio *
Claims Settlement Ratio **
List of Network Hospitals
Number of Policies issued *
Number of Lives Covered *
Maximum Family Floater Coverage
Self, Spouse + 3 dependent children
* As per IRDAI report for 2018-19 | ** As per NL25 data published on the Insurance Company website
Pharmacy invoices supported by respective prescriptions
In cases of accidents, Medico Legal Certificate (MLC) and / or FIR
KYC documents of the insured if claimed amount exceed Rs.1, 00,000/-
(Note: Documents other than the Health Card should be submitted in original)
When the Insured gives prior intimation about the treatment and the insured pays the expenses himself with the hospital and then claims for a reimbursement of those expenses within 15 days from the date of discharge.
Reimbursement Claims Procedure following hospitalization
Procedure for Reimbursement of Claim
All claims need to be intimated within 24 hours of hospitalization. Reimbursement facility is available at network hospitals as well as at non-network hospitals
Avail treatment, settle all bills and file a claim for reimbursement.
Submit the claim documents to the company within 15 days from the date of discharge.
To receive the claim form, cite your policy number and intimate Star Health about hospitalization.
Reimbursement Claim Procedure
Upon discharge, pay all hospital bills and collect all original documents of treatment undergone and expenses incurred.
Claim form has to be filled in and along with, all the relevant original documents have to be submitted at the nearest Star Office
We settle the claim in subject to policy terms and conditions.
Non-Payable items would be at the insured's own cost.
Documents required for reimbursement claim submission
Copy of Health card
Duly filled claim form
Pre admission investigations and Doctor's consultation papers
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