How does the waiting period affect my coverage?

Pre-existing diseases are covered after 12 months, and specific treatments have a 24-month waiting period.

What happens if I don’t use my health insurance benefits for the entire year?

No no-claim bonus is offered; the daily cash benefit remains unchanged throughout the policy term.

Will my health insurance cover treatment abroad?

The policy does not cover international treatments; benefits are applicable only for hospitalization within India.

OneAssure

Health Insurance

Star

Hospital Cash Insurance Policy

Star Hospital Cash Insurance Policy

Experience India's most trusted health insurance with Star Health Insurance. Get instant cashless treatment at 14000 network hospitals with sum insured up to ₹50 lakhs.

82.31%

Claim Settlement Ratio

14000+

Network Hospitals

0

Customer Rating

Policy Brochure

Policy Policy Wording

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82.31%

Claim Settlement Ratio

14000+

Network Hospitals

0

Customer Rating

Policy Brochure

Policy Policy Wording

Our Verdict

Expert Review: Star Hospital Cash Insurance Policy

Final Verdict

The Star Hospital Cash Basic Plan offers daily cash benefits for hospitalization, including accident and ICU coverage. Ideal for individuals seeking supplementary financial protection for incidental hospital expenses alongside existing health coverage.

About

About Star Hospital Cash Insurance Policy

The Star Hospital Cash Basic Plan provides a fixed daily cash benefit during hospitalization to cover incidental expenses. Policyholders can choose ₹1,000, ₹2,000, or ₹3,000 per day for 30 to 180 days annually. It covers sickness, accident, and ICU hospitalization with a one-day deductible for sickness-related claims. Available for adults (18-65 years) and children (91 days-25 years), the plan offers 1, 2, or 3-year policy terms and serves as an additional financial cushion alongside existing health insurance.

The Star Hospital Cash Basic Plan provides a fixed daily cash benefit during hospitalization to cover incidental expenses. Policyholders can choose ₹1,000, ₹2,000, or ₹3,000 per day for 30 to 180 days annually. It covers sickness, accident, and ICU hospitalization with a one-day deductible for sickness-related claims. Available for adults (18-65 years) and children (91 days-25 years), the plan offers 1, 2, or 3-year policy terms and serves as an additional financial cushion alongside existing...

Hospital Cash Insurance Policy Ratings

Ratings: Star Hospital Cash Insurance Policy

Insurer Rating

7.07

out of 10

Insurance Rating

3

out of 10

No Room Rent Limit

No

Consumables Covered

No

No Co-payment

Yes

Loyalty Bonus >= 500%

No

No Disease Sublimits

Yes

Unlimited Restoration

No

Additional Benefits (Informational Only — Not part of score)

PED Waiting <= 2 Years

No

Maternity Available

Yes

Waiting Period Waiver

No

Testimonials

Real People. Real Relief

These are the moments that show what we really do. We don't sell you a policy. We stand by you when it matters most.

I want to sincerely thank Sunad for being there for me throughout the entire claim process. He helped me through so many ups and downs, always patient and ready to support when things got tough. I honestly don’t know how I would have managed without his guidance and encouragement. Sunad made a difficult situation feel a lot less stressful, and I’m truly grateful for his kindness and steadfast help.

Prashant Pandey

Mumbai, Maharashtra

Had a great experience with them during a difficult time. After my mother’s accident, we had to pay the hospital bill upfront, as cashless wasn’t available. They guided us through the reimbursement process, helped file the claim, and consistently followed up with the insurer until it was settled. Their support with the post-hospitalization claim was equally prompt and thorough.

Jatin Gala

Mumbai, Maharashtra

My heartfelt thanks to the OneAssure team for making my insurance claim process effortless. Right from the very first interaction, they demonstrated professionalism, clear communication, and an impressive command of the procedures involved. Their swift updates, timely guidance, and persistent follow-through removed all the stress from what could have been a complicated experience.

Anju Renjith

Bengaluru, Karnataka

I am truly grateful for the support and guidance I received in settling my insurance claim. The entire process was handled with great professionalism, clarity, and efficiency. Their prompt response, deep knowledge of the procedures, and consistent follow-ups ensured a smooth and hassle-free experience.Thank you once again for your invaluable help, highly recommended!

Yogesh Meena

Jaipur, Rajasthan

I recently had the pleasure of purchasing health insurance for my parents through this company, and my experience has been exceptional...The team was incredibly patient and took the time to explain every detail to me. No matter how many times I asked questions, they were always calm and thorough in their explanations. Their professionalism and dedication made a significant difference in helping me make an informed decision.

Akash Kumar

West Bengal

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Inclusions and Exclusions

Inclusions and Exclusions of Star Hospital Cash Insurance Policy

Room Rent

Normal: ₹1,000, ₹2,000, or ₹3,000 per day (based on the plan). If the room costs more, the extra amount must be paid.
ICU: The same cash benefit applies. If ICU costs more, the difference must be covered.

Advanced Treatments

Covers modern medical procedures, including Robotic surgeries and Stem cell therapy up to the sum insured.

Cashless Healthcare Providers

This policy does not offer cashless treatment facilities. Instead, it provides a lump-sum daily cash benefit, which the insured can use at their discretion.

Waiting Period

Initial Waiting Period: 30 days from policy commencement for sickness-related claims.
Pre-existing Diseases: Covered after 12 months of continuous coverage.
Specific Diseases: Certain conditions have a 24-month waiting period.

Daycare Treatment

The policy covers specified day care treatments that do not require 24-hour hospitalization. The daily cash benefit is payable for such procedures up to five times in a policy year.

AYUSH Treatment

The plan provides the daily cash benefit for hospitalizations under AYUSH treatments (Ayurveda, Yoga, Unani, Siddha, and Homeopathy), provided the hospitalization meets the policy's criteria.

Room Rent

Normal: ₹1,000, ₹2,000, or ₹3,000 per day (based on the plan). If the room costs more, the extra amount must be paid.
ICU: The same cash benefit applies. If ICU costs more, the difference must be covered.

Advanced Treatments

Covers modern medical procedures, including Robotic surgeries and Stem cell therapy up to the sum insured.

Waiting Period

Initial Waiting Period: 30 days from policy commencement for sickness-related claims.
Pre-existing Diseases: Covered after 12 months of continuous coverage.
Specific Diseases: Certain conditions have a 24-month waiting period.

Exclusions

Pre-existing diseases until 12 months of continuous coverage have elapsed.
Certain specified illnesses and procedures during the first 24 months of the policy.
Any disease contracted within the first 30 days of the policy commencement, except for accidents.
Hospitalization primarily for diagnostic purposes, rest cures, rehabilitation, or convalescence.
Treatment of congenital external diseases, defects, or anomalies.

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About the company

Star Health and Allied Insurance Co. Ltd is considered one of the major standalone insurers in India. Today, a bulk of insurance policyholders are served by Star Health in India. Plans are offered pertaining to individual health, family floater, senior citizen, critical illness, top-up and super top-up, personal accident, disease specific, maternity, and corporate/group insurance. A cashless hospital network of over 14,000 hospitals nationwide is the big number that helps to keep Star Health's reputation; that way, customers can gain access to quality treatment and services without having to give any upfront payments. As per the plan, treatment can include...

Star Health and Allied Insurance Co. Ltd is considered one of the major standalone insurers in India. Today, a bulk of insurance policyholders are served by Star Health in India. Plans are offered pertaining to individual health, family floater, senior citizen, critical illness, top-up and super top-up, personal accident, disease specific, maternity, and corporate/group insurance. A cashless hospital network of over 14,000 hospitals nationwide is the big number that helps to keep Star Health's reputation;...