Compare & Buy Car, Bike and Health Insurance Online - InsuranceDekho
Claim, renew, manage & moreLogin

Star Health Insurance

395 reviews Rate This
Star Health Insurance
Cashless Approval TAT90% Cashless claim settlement within 2 hrs
Claim Settlement Ratio89.90%
Network Hospitals14,000+
Pre-existing Disease Waiting Period1 year
Special BenefitsNo Extra Premium for Disease Coverage
Starting Premium for Rs. 5 lakhs SIRs. 410/month

Star Health & Allied Insurance Co. Ltd. emerged as the country's first standalone health insurance provider in 2006 [1]. With a significant company size of over 15000 employees, the insurance provider has insured over 17 crore lives since its inception and has a track record of settling claims in less than 2 hours. [2] The health insurance plans offered by the health insurance company are dedicated to individuals, families, senior citizens, and corporations. This shows their dedication to providing health plans that are specially crafted to cover your entire family. Not only this but you can also enjoy the benefits of the Wellness Program, OPD Services at a single click, and more.

About Star Health Insurance

Tailored to diversified requirements, Star Health provides various health insurance plans including base policy, Star Cardiac Care Insurance Plan, Family Health Optima Insurance Plan, Medi Classic Insurance Plan, etc [2]. Specialising in health insurance, the company also offers a range of other services such as free Telehealth consultations, and complimentary second medical opinions through their expert in-house doctors. Moreover, the Star Health Insurance company’s unique feature is that there are no additional charges required for coverage of pre-existing conditions, in contrast to the loading fees imposed by other insurers.

Key Features

The key features of Star Medical Insurance plans are as follows:

  1. Copayment: For individuals aged over 60 years, a 20% copayment is applied. This means that policyholders share a certain percentage of the claim amount.
  2. Waiting Period: Star Health Insurance plans come with a 30-day waiting period. During this period, policyholders patiently wait for the activation of their health plan benefits.
  3. No Mandatory Pre-Screening: Star Health company simplifies your insurance journey by eliminating the need for mandatory pre-insurance medical screenings in most of its policies.
  4. Cashless Everywhere: With Star Health Insurance, you have the convenience of cashless transactions at network and non-network hospitals nationwide. This makes healthcare accessible without the need for upfront payments.
  5. Hassle-Free Claim Process: The insurance provider is committed to offering a hassle-free claims process, with quick decisions and payouts in less than 2 hours. This commitment guarantees timely financial support whenever needed.
  6. Covers Major Illness: Star Health Insurance provides comprehensive coverage for major illnesses. This means that the insurance policy extends financial protection against a wide range of serious and critical health conditions.
  7. No Room Rent Limit: There is no room rent limit imposed on policyholders. This means that in case of hospitalisation, you have the flexibility to choose a room that best suits your comfort and medical requirements, without being bound by a predetermined cap on room expenses.

Health Insurance Calculator

Whom do you want the insurance for ?


Select the age of all members

  • You

Where do you live ?

Choose required Coverage for yourself?

5 Lac
10 Lac
25 Lac
Disclaimer : Actual Premium might vary basis your location, age and number of members

Key Metrics 

The table below highlights the key metrics of Star Health Insurance:

Key Metrics


Claim Settlement Ratio (FY 2022)


Solvency Ratio (March 2023)


Lives Covered

17 Crore

Launch Year


*The percentage of claims settled by an insurance company relative to the total number of claims received is known as the Claim Settlement Ratio (CSR). Any company with a CSR of 85% or above is considered good to buy insurance from.

**The solvency ratio is a financial indicator that measures a company's ability to meet its long-term debt obligations and signifies its financial stability. Any company having a solvency ratio >1.5 is considered to be good to buy insurance from. [3]

*Life covered here refers to the number of people insured and the data is taken from Star Health’s official website.

Star Health Insurance Plan List

  • Individual (19)
  • Family (16)
  • Woman (24)
  • Senior Citizen (17)
  • Parents (9)
  • Blood Pressure (24)
  • Kids (9)
  • Thyroid (24)
  • Diabetes (24)
  • Heart (4)
  • Maternity (6)
  • Cancer (2)
See More Plans

Eligibility To Purchase a Star Health Insurance Plan

When considering health insurance coverage for yourself and your family, eligibility is a crucial factor. Here are the main determinants:

1. Age

  • Adults aged between 18 and 65 years are eligible for family health insurance
  • Dependent children are covered from 16 days up to 25 years of age

2. Medical History

  • Complete disclosure of medical history is required when purchasing a Star health insurance policy
  • Note that certain pre-existing diseases may be covered after the waiting period

Star Health Insurance Top Up List

  • Family (1)
  • Individual (1)
Name of PlanSum Insured
Super SurplusMin: 91 Days; Max: 65 Years5 Lakh Check Premium
Star Hospital Cash Insurance PolicyMin: 91 days; Max: 65 years Check Premium

Top Plans Offered by Star Health Insurance

The top plans by Star Health Insurance Company are tabulated below:


Plan Type

Sum Insured

Ideally Suited For

Star Assure

Individual or Family Floater

Rs. 5 Lakhs to Rs. 2 Crore

Women, Family, Senior Citizen

Star Comprehensive

Individual or Family Floater

Rs. 5 Lakhs to Rs. 1 Crore


Star Smart Health Pro

Individual or Family Floater

Rs. 5 Lakhs to Rs. 1 Crore


Young Star

Individual or Family Floater

Rs. 3 Lakhs to Rs. 1 Crore


Family Health Optima

Family Floater

Rs. 1 Lakh to Rs. 25 Lakhs


Riders Offered By Star Health Insurance

Following are the rider plans available with Star Health Insurance:

  • Critical Illness: Offered with some Star health insurance plans, this rider provides financial assistance in case the insured individual is diagnosed with a critical illness covered under the policy. Critical illnesses typically include severe medical conditions such as cancer, heart attack, etc.
  • Hospital Cash Rider: The Hospital Cash Rider adds daily cash benefits to your standard health insurance for each day you stay in the hospital. The additional cash can help with unforeseen costs and can be opted as a rider with specific plans only.
  • Buy Back Pre-Existing Diseases: Purchasing this add-on with applicable plans shortens the waiting period to 1 year, allowing customers to access pre-existing disease benefits from the second year of the policy.
  • Maternity Rider: Designed with pregnant women in mind, this rider covers some costs associated with pregnancy. This provides financial support throughout this important stage of life and includes hospitalisation bills and other related expenses.
  • Patient Star: Star Health Insurance covers the cost of an attendant at the insured person's residence post-hospital discharge. This add-on pays up to Rs.400 per day for 5 days per hospitalisation occurrence, with a total limit of 14 days per policy period.
  • Pre-Existing Diseases Waiting Period Reduction: With this rider, the waiting period for coverage of pre-existing diseases is shortened. This rider is especially beneficial for policyholders who may have existing health conditions and want quicker access to insurance coverage for those conditions.

*Kindly note that you can include riders in your plan by paying an extra premium. The specific riders available may vary based on the plan you select.

How To Purchase Star Health Insurance Policy?

Whether you prefer the ease of digital transactions or the personal touch of interacting with agents, here are both online and home visit options to purchase medical insurance plans:

Purchase Star Health Insurance Policy Via InsuranceDekho

Purchasing a Star health insurance plan with InsuranceDekho is as simple as it sounds. You have two options to purchase the Star Health Insurance Policy through InsuranceDekho:

Steps for Purchasing Star Health Insurance Policy with InsuranceDekho Online:

Step 1: Provide Details on InsuranceDekho

Visit InsuranceDekho's health page or enter your details like name and phone number in the form at the top right.

Step 2: Choose the Right Plan

Select the best Star health insurance plan for you and your family based on the details you shared.

Step 3: Premium Payment Online

Provide the necessary details in Proposal Form 1, answer two simple health-related questions in Proposal Form 2, submit your KYC, and make the premium payment.

Step 4: After Payment Assistance

Following the payment, an InsuranceDekho relationship manager will get in touch with you to provide assistance with policy issuance based on the details you have provided.

Purchase Star Health Insurance Policy with InsuranceDekho With Complete Assistance

Step 1: Input your information on the InsuranceDekho website

Visit and provide your basic details, such as mobile number, age, and pin code.

Step 2: Compare Health Plans

Following your input, the plan page will display the most suitable Star health insurance plans based on your customer profile.

Step 3: Request a Call Back

You can request a callback by updating the inquiry on the plan page on our website.

Step 4: Engage with an InsuranceDekho Advisor

Once you've scheduled a callback, an InsuranceDekho advisor will contact you at your preferred time and guide you over the phone through an IRDAI-certified AV advisor. If necessary, we can arrange for our expert to visit your home for free assistance in filling out the form or to address any additional queries you may have.

Purchase Star Health Insurance Policy From Insurer's Website

Here’s how the official Star Health & Allied Insurance Co. Ltd. website can help you buy the health insurance plan:

Step 1: Open your web browser and go to the official Star Health Insurance website.

Step 2: On the website, provide the necessary information including your name, mobile number, etc.

Step 3: Click on the "Get Quote" button and you will see a list of available Star Health Insurance plans.

Step 4: Review the list of plans provided and select the insurance plan that best suits your requirements.

Step 5: Proceed to the payment section and complete the premium payment using the online payment options.

Once the payment is successful, you will receive a confirmation of your health insurance purchase.

Benefits of Purchasing Your Policy From InsuranceDekho

  • InsuranceDekho provides dual claim assistance to ensure a smooth claim settlement process
  • We support you in obtaining priority approvals from insurers
  • We assist you with policy renewal and any changes in your policy including name, address, etc.
  • At InsuranceDekho, we offer advice on insurance plans based on a comprehensive industry scan, ensuring unbiased choices

Documents Required For Purchasing Your Policy

When getting Star health insurance, you need to provide the following documents:

  • OTP Verification or a Copy of the Proposal Form
  • Proof of Age (Voter ID, PAN card, Aadhaar Card, Driver's License, Passport)
  • Address Proof (Ration card, Driver's license, Passport, Rent agreement if applicable, PAN Card, Aadhaar Card, or utility bills)
  • Passport-size Photographs
  • Medical Reports

How to Claim Your Health Insurance?

Star Health & Allied Insurance Co. Ltd. is now introducing a "Cashless Anywhere" [4] feature, allowing you to enjoy cashless hospitalisation even in non-network hospitals by informing them 48 hours before planned admission or within 24 hours in emergencies. Remember, approval for non-network cashless treatment is subject to policy terms and conditions and hospital agreements.

Also, some hospitals are excluded or blacklisted from the Star health insurance network hospital list. To know more about such hospitals, visit the hospital look-up page [5], select the Excluded Hospitals option from the extreme left section bar, and enter your city or pin code. You will then see the list of excluded hospitals in your area.

Awards and Achievements of Star Health Insurance

  • Digital Innovation of the Year Health Insurance 2023
  • e4m Pride of India – The Best of Bharat Awards 2022
  • Health Insurance Provider of the Year: Silver Award - Outlook Money Awards 2018
  • Most Valuable and Admired Health Insurance Company in 2016
  • Best Health Insurance Provider of the Year 2015-16
  • Most Promising Health Insurance Company of 2014 [2]

Star Health Insurance - Customer Service & Support 

In case you have any concerns or need assistance, the dedicated Customer Service & Support team at Star Health & Allied Insurance Co. Ltd. is there for you. You can contact them in the following ways:

  • For purchasing a plan, you can reach Star Health Insurance at 1800 425 2255
  • To renew an existing plan, dial 18001024477 for assistance
  • For general inquiries, the helpline number is 04469006900
  • You also have the option to contact them via email at
  • Star Health Insurance provides support through ChatBot
  • You can Request a Call Back from their customer support team for additional assistance [6]

You can even reach out to InsuranceDekho’s Customer Support Team by sending an email to or by calling +91-755 1196 989

Complaints & Grievance Redressal

If you're facing issues with Star Health & Allied Insurance Co. Ltd., reach out to their Grievance Care at 044 4366 4600 or at to address your complaints. [7]

In case of a grievance, InsuranceDekho can also assist you. You can reach out to Mr. Rohit Khurana, the Grievance Redressal Officer, at If your issue persists, you can escalate it to the Principal Officer at For more information visit our Grievance Redressal page.[8]



Health Insurance News


  • How to buy Star Health Insurance Plan?

    InsuranceDekho provides you easy ways to buy Star Health Insurance Policy. These are: 

    • Online: On the online mode, the policy is generated instantly along with the card and kit. However, this feature is mostly applicable for the cases, where there is no requirement of medical checkup or underwriting. 
    • Telephone - You can also contact the customer care executives at InsuranceDekho on the toll-free number 7551196989 and get all the details of the plan. 
  • Why should I buy a Star Health insurance plan?

    The health insurance policy by Star Health safeguards you and your family for any financial crisis that may arise due to a medical emergency. Purchasing a proper health plan can assist you in saving your hard-earned money and other assets.

  • How many claims can I make in a year?

    You can make any number of claims over the year. But, the number of claims should not exceed the limit of the sum insured.

  • How many network hospitals are covered under Star Health?

    There are more than 9,800 top-quality network hospitals covered under Star Health.

  • Is medical check-up required to buy a Star Health Insurance Policy?

    Yes, the medical check-up is required to buy a Star Health Insurance Policy. But it is applicable only for the people of above 50 years. 

User Reviews

Write your review
What users are saying
  • All
  • Price
  • Helpful
  • Network Hospitals
  • Claim
  • Renew
  • Premium
  • Top up
  • Critical Illness
  • The claim process was made eas...

    InsuranceDekho helped me get my claim on time from Star Health Insurance's hassle-free claim process and helpful staff. All because of the InsuranceDekho team.

    By Prakhar Sekhawat
    On: May 28, 2024
  • Excellent customer service whi...

    Got my Star Health Insurance policy hassle-free. InsuranceDekho’s customer service was patient in explaining everything. Affordable options too! They made my journey towards a protected future easier.

    By Urvashi Chillar
    On: May 21, 2024
  • Coverage For Many Expenses

    The Star Health Insurance Plan has given me coverage for many healthcare expenses. I am happy to recommend InsuranceDekho too for its great customer care services. This health Insurance policy along with InsuranceDekho’s support has made my life simpler. I couldn’t have asked for a better solution Thank You!

    By Manish Kumar
    On: Apr 02, 2024
  • Easy Steps to Follow

    I recently bought the Star Health Insurance Plan at InsuranceDekho by following a few easy steps. The Star health insurance policy covers me for medical expenses and I am satisfied with it. I was able to buy the health policy within 5 minutes at the InsuranceDekho portal.

    By Tanya Sharma
    On: Mar 21, 2024
  • Purchased the plan with ease

    I recently bought the Star Health Insurance Plan from the InsuranceDekho website. I could purchase it easily from InsuranceDekho’s website with the proper guidance of their customer support team. I am very happy and satisfied with the plan.

    By Lovekesh Raghav
    On: Mar 19, 2024