Star Health Insurance

  • 14,000+ Network Hospitals
  • 99.06% Claim Settlement Ratio
  • 24x7 Claim Assistance

About Star Health Insurance

Star Health Insurance was started in 2006 and is the first standalone health insurance company in India. Star Health Insurance offers different insurance products such as health insurance, personal accident insurance, overseas travel insurance, etc.

Star Health is one of the top health insurance companies in the market, offering top-notch health insurance products to various categories of customers including individuals, families and corporates. Star Health Insurance is mostly in Bancassurance, with a long-standing relationship with many Indian banks. Star Health Insurance has become a reputed health insurance brand in India, with over 640 branch offices and over 12800 employees.

Star Health Insurance offers a variety of coverage benefits under its health insurance plans, such as inpatient hospitalization, annual health check-up, treatment for COVID-19, AYUSH treatment, etc. Star Health Insurance has become the first health insurance company in India to offer a health plan for autism patients.

Star Health Insurance has received many awards and accolades in the last few years. Below mentioned are some of the awards received by star health insurance:

  • Star health won the “e4m Pride of India–The Best of Bharat Awards 2022” by the editorial board of Exchange for media and Impact at the Pride of India Conference & Awards.
  • Star health insurance won the “Most Innovative New Product of the Year” award at ASSOCHAM's Insurance E-Summit and Awards 2020.
  • Star Health Insurance won the “Best BFSI Brand 2019” award by Economic Times.
  • Star Health Insurance won the “Health Insurance Provider of the Year” award in Outlook Money Award 2018.
  • Star Health Insurance won the “Health Insurance Provider of the Year” award in 2018-19.
  • Star Health Insurance won the “W.H.O Award Of Excellence” award in 2017.

Star Health Insurance Specifications 

Below mentioned are the key specifications of star health insurance company:

Particular Specifications
Network Hospitals 14,000+
Incurred Claim Ratio (2022-23) 65.00%
Claim Settlement Ratio (less than 3 hrs) (2022-23) 99.21%
Number of Branches 640+ offices
Solvency Ratio (2022-23) 2.03
Market Share (2022-23) 12,952.47 crore

*Data has been sourced from the annual report of IRDAI 2022-23

Key Features of Star Health Insurance

Star Health Insurance offers various benefits under its health insurance plans. You can buy a health insurance plan from Star Health Insurance to avail these benefits. Some of the salient features of Star Health Insurance Company are given below:


Network Hospitals

Star Health Insurance has tied up with over 14,000 network hospitals across the country where the policyholder can avail of cashless medical treatment, and the insurance company will settle the hospitalization bill directly with the hospital.


Hassle-Free Claim Process

Star Health Insurance offers a quick and hassle-free claim settlement process through which policyholders can settle their claims without any difficulty. Star Health Insurance settles 90% of the claims within 2 hours of its raising.


Solvency Ratio

The solvency ratio is also one of the most important factors in checking whether the company can meet its long-term financial obligations. As per the Insurance Regulatory and Development Authority of India (IRDAI),every health insurance company must maintain a minimum solvency ratio of 1.5. In the year 2022-23, star health insurance has a solvency ratio of 2.03.


Annual Gross Premium

As per the Insurance Regulatory and Development Authority of India (IRDAI), star health insurance has a gross premium of 12,952.47 crore in the year 2022-23.


24x7 Claim Assistance

Star Health Insurance provides 24x7 claim support to its customers as they have insurance experts who live 24x7 to resolve customer queries.

Health Insurance Policy Offered Under Star Health Insurance

Star Health and Allied Insurance offer a wide range of health plans designed for individuals, families, senior citizens and critical illnesses. We "RenewBuy" have made a list of these plans along with their coverage benefits and eligibility criteria and categorized them into various categories as given below:

Individual and Family Health Insurance Plan

Senior Citizen Health Insurance Plan

Critical Illness Health Insurance Plan

Star Health Insurance Premium Calculation

  • Age of the policyholder
  • Medical History
  • Members added to the policy
  • Sum Insured amount
  • Lifestyle of the policyholder
  • Policy Tenure

Star Health Insurance Add-on Covers

There are various types of add-on riders offered by star health insurance under its health plans to enhance the coverage benefits by paying some little extra premium:


Buy Back Pre-Existing disease (PED) Cover

The waiting period for pre-existing diseases reduces from 36 months to 12 months under this add-on or rider.


Hospital Daily Cash

Star Health Insurance will provide a cash benefit of Rs 1k to the policyholder for a period of 7 days to 14 days of hospitalization. The policyholder will get the daily hospital cash only in case of inpatient treatments.


Maternity Cover

Under this add-on rider, star health insurance will pay the maternity-related expense of the policyholder in the existing health insurance plan.


Accidental Cover

Under this add-on rider, star health insurance will pay the pre-defined amount to the policyholder in case of an accident.

Why Buy Star Health Insurance?

There are many reasons to choose a health plan from star health insurance. Below mentioned are some of the reasons to choose star health insurance as your health insurance provider:

  • Customer-centric health plans
  • More than 90% claim settlement ratio
  • More than 12000 network hospitals across the country
  • Offered attractive wellness programs
  • Free telemedicine facility

Star Health Insurance Exclusions

Below are the standard conditions not covered under Star Health Insurance plans, but they may vary from plan to plan.

  • Suicide or attempted suicide
  • Sexually transmitted diseases (STDs) like HIV
  • Alcohol or drug abuse
  • Cosmetic Surgery
  • Injuries happened due to participation in adventurous sports
  • Weight reduction treatment
  • Medical expenses incurred due to war or similar conditions

Star Health Insurance Buying Process

The policyholders can buy a star health insurance plan from the official website of star health insurance and "". Below are both the buying processes for star health insurance plans:

Buy from ""

  • Visit the official website of "RenewBuy".
  • Click on the "Health Insurance Plan" tab.
  • Select the desired plan.
  • Fill in all the required details.
  • Click on the "Buy Now" button.
  • Make payment.
  • We will send the policy documents to your registered email ID

Buy from the official website of Star Health Insurance

  • Visit the "Star Health Insurance" official website.
  • Click on the "Health Insurance" tab.
  • Select the desired health plan
  • Fill out the form that shows on the next page
  • Click on the "Buy Now" button
  • A pop-up will show you the plan details and the add-on riders information.
  • Click on the "Proceed to Buy" button.
  • Make an online payment, and the insurance company will send the policy documents to your registered email address.

Why Buy Star Health Plans From RenewBuy?

RenewBuy brings you the best deals on Star Health Insurance plans across the market. The key reasons for you to consider us are as follows:

Star Health Insurance Renewal Process

Star Health Insurance offers a Lifetime Renewability feature in its Star Health Insurance plans, which means there is no age restriction on Star Health Insurance plans. Policyholders can renew their Star Health plan for as long as they want.

Policyholders can renew their Star Health Insurance plan online. Star Health Insurance Company offers a simple and quick renewal process for its Star Health plan in a few steps as mentioned below:

  • Visit the “Star Health Insurance” official website
  • Log in with your login credentials
  • Enter your policy number and DOB
  • Make payment and renew your star health insurance plans

Star health insurance offers multiple payment channels for the renewal payments such as UPI, Credit Card, Debit Card, Paytm, etc.

Moreover, star health insurance also offers a grace period of 30 days to pay the pending health insurance renewal premium.

Star Health Insurance Claim Settlement Process

Star Health Insurance offers two types of claim processes, i.e. cashless claims and reimbursement claims. Have a look at the below section to know more about both the claim processes in detail:

Cashless Claim Process

  • Show your star health insurance health card at the reception desk of the hospital.
  • Fill in and submit the pre-authorization form and doctor’s consultation documents.
  • The hospital will verify all the documents and send them to the star health insurance company for further verifications.
  • Once the document verification is done, the hospital will send the claim documents to the star health insurance company.
  • The hospital will then starts the cashless treatment of the policyholder.
  • At last, the star health insurance company will directly settle the claim amount with the hospital.

Reimbursement Claim Process

  • Intimate the star health insurance within 48hr of hospitalization (24 hr in case of emergency).
  • Policyholders need to file a reimbursement claim after settling all the bills on their own
  • Submit the claim form along with other relevant documents to the star health insurance company within 15 days of the discharge of the patient.
  • Then, the company will verify all the submitted documents.
  • Once the verification is done, the claim amount will be reimbursed to your bank account.

Required Documents for Reimbursement Claim

Below-mentioned documents are the documents required that you need to submit for reimbursement claim under star health insurance plans: 

  • Original or Photo Copy of the “Star Health Card”
  • Original duly filled claim form
  • Photo-ID proof
  • Consultation documents of the Doctor
  • Original bills, discharge summary, and receipts
  • Original bills from pharmacy or chemists, medical bills, investigation reports such as pathological or diagnostic tests reports or radiology reports
  • First Information Report (FIR) and final police report (if required)
  • Post mortem report
  • Cancelled Cheque
  • Any other document as required by the star health insurance company to assess the claim

Star Health Insurance Contact Details

Star health insurance has 24x7 customer care support for their customers. To connect with star health insurance by using the below-mentioned details:

Office Address: Star Health & Allied Insurance Co. Ltd, No.1, New Tank Street, Valluvarkottam High Road, Nungambakkam, Chennai - 600 034

Email Address:

Contact Information: 1800-425-2255/1800-102-4477 (Toll-free)