How do I buy a Star Health policy?

You can buy a policy through the company’s website, mobile app, branch offices, or with the help of licensed agents.

What factors determine the premium under Star Health plans?

Premiums depend on factors such as the sum insured, age, medical history, lifestyle, policy tenure, type of plan, and optional add-ons.

Does Star Health require a medical check-up before issuing the policy?

In many cases, medical check-ups are not needed for individuals below a certain age, but this depends on the plan and sum insured.

What is Star Health Insurance and what do they offer?

Star Health Insurance is a standalone health insurer in India offering various health, travel, and accident insurance plans, along with wellness and preventive care services.

Is pre-existing disease coverage available under Star Health policies?

Yes, Star Health covers pre-existing conditions after a specific waiting period mentioned in the policy terms.

What is a cashless claim and how does it work with Star Health?

If you get treated at a network hospital, Star Health settles the bills directly with the hospital so you don’t have to pay upfront.

How many network hospitals does Star Health have?

Star Health has more than 14,000 network hospitals across India, where cashless treatment is available.

What if I get treated at a non-network hospital? Can I still claim?

Yes. In that case, you must pay the bills first and later apply for reimbursement as per the policy terms.

How can I track my claim status?

You can track your claim status using the company’s website, mobile app, or customer service helpline.

What is the usual time for claim settlement or cashless approval?

Star Health aims to process most cashless approvals within a few hours for eligible claims.

Does Star Health cover maternity benefits?

Yes, many Star Health plans include maternity benefits under family floater or individual plans, but these are subject to waiting periods.

Are there room rent or sub-limits in Star Health policies?

Some policies may have limits on room rent, ICU charges, or certain procedures. Always review your policy document for exact details.

Does Star Health cover OPD (outpatient) expenses?

Only selected plans or optional riders offer OPD coverage. It depends on the specific policy chosen.

Is there a waiting period before full coverage begins?

Yes, waiting periods apply for specific treatments, pre-existing diseases, maternity, and certain illnesses.

Are wellness or preventive health checkups included?

Many Star Health plans offer annual health checkups and wellness benefits to encourage preventive care.

How do I renew my Star Health insurance policy?

You can renew your policy online, through the app, or by visiting the nearest branch before it expires.

Can I port my existing health policy from another insurer to Star Health?

Yes, you can transfer your existing health policy to Star Health under IRDAI’s portability guidelines, subject to approval.

Is there a free-look period in Star Health policies?

Yes, new policyholders get a free-look period to review the policy terms and cancel it if they are not satisfied.

Are Star Health premiums tax-deductible?

Yes, the premium you pay qualifies for tax benefits under Section 80D of the Income Tax Act.

Where can I raise complaints or grievances?

You can contact the company’s customer care, visit a branch office, or reach out to their grievance redressal cell for any issues.

OneAssure

Health Insurance

Star

Star Health Insurance

Star Health and Allied Insurance is India's largest standalone health insurer, listed and based in Chennai. Its range includes Super Star, Star Comprehensive, Family Health Optima, Senior Citizens Red Carpet, Star Women Care and disease-specific plans, with cashless treatment at 17,000+ network hospitals.

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82.31%

Claim Settlement Ratio

14,000+

Network Hospitals

7.07

Insurer Rating

Star Health Insurance

Our Verdict About Star Health Insurance

Star Health Insurance is one of India’s leading standalone health insurers, known for its customer-centric services and extensive coverage.

What We Like

Free annual health check-ups and wellness benefits in select plans.

No third-party involvement ensures smoother claim experience.

Comprehensive plans covering maternity, critical illness, and senior care.

Fast and transparent claim settlement process with in-house claim team.

Over 14,000+ network hospitals offering cashless treatment.

Areas of Improvement

Pre-existing disease waiting periods can be long (up to 4 years).

Digital interface and app experience could be more user-friendly.

Limited global coverage options.

Sub-limits on room rent or specific treatments in some policies.

Premiums can be higher for senior citizen and high-sum insured plans.

Final Verdict

Star Health Insurance is a simple and reliable option for you backed by the government. It makes healthcare easy for everyone at affordable prices. Claims are settled smoothly without long delays. It provides safety for families in tough times by giving a wide coverage and 3700 plus network hospitals. Overall,...

Star Health Insurance is a simple and reliable option for you backed by the government. It makes healthcare easy for everyone at affordable prices. Claims are settled smoothly without long delays. It provides safety for...

Star Health Insurance

Top Star Plans

Comprehensive

Includes ambulance & daily cash benefits
No room rent restrictions – freedom to choose any room
Covers hospitalisation, surgeries, diagnostics & medicines

Star Health Insurance

Other Star Plans

Family Health Optima

Cashless at 17,000+ hospitals
Family floater cover

Star Health Insurance

About Star

Star Health Insurance

Star Rating

Insurer Rating

7.07

out of 10

Layer 1 - OA Philosophy (70%)

CSR 3Y Average

82.75%

Network Hospitals

14000

Solvency Ratio

2.21

Complaints

0.01%

Layer 2 - Customer Features (30%)

Claims Support

4/5

Digital App Experience

3/5

Star Health Insurance

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

OneAssure helped me understand my needs and choose a product that was right for me. There was no pressure tactics or mis-selling. This experience was respectful, informed, and completely stress-free.

Shreya Goyal

Mumbai

Have been associated with Ruchir and his team… They have provided me excellent guidance in choosing the right plans for myself and my family…always been available to assist with any insurance/claim queries.

Nakul N

Thane, Maharashtra

Had a great experience with OneAssure during my insurance claim process. A special shoutout to Sunad Raj for his exceptional support, he was professional, responsive, and guided me every step of the way. Thanks to his consistent follow-ups and clear guidance, the entire claim settlement was smooth and hassle-free. Highly recommend OneAssure for their service and transparency!

Sanjay Dakalia

West Bengal

The team is very professional and prompt. I would have all my health and life insurance needs met through them.

Harish Jindal

Very professional service from Ruchir & Aman. They were recommended by a friend who had a positive experience with them. I have taken both health and life policies through them and they have advised me well throughout the process and found the best options available in the market. I had a medical condition due to which it was difficult to find a suitable health policy in the market, however this team was able to find one for me. I would recommend their services to anyone looking to buy health or life insurance.

Siddhartha Saha

Mumbai, Maharashtra

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Star Health Insurance

Pros and Cons

Pros

Covers hospitalisation, room rent, ICU, and doctor’s fees with pre- & post-hospitalisation (60/90 days).
14,000+ network hospitals for fast cashless claims.
AYUSH and 500+ daycare procedures included.
Maternity, newborn care, and vaccinations covered after a waiting period.
Automatic sum restoration and 20–100% No-Claim Bonus every year.
Lifetime renewability and tax savings under Section 80D.

Cons

Pre-existing diseases covered only after 3–4 years.
Sub-limits on room rent and certain surgeries in basic plans.
No global treatment or OPD coverage in standard variants.
Premiums rise steeply for senior citizens and high coverage options.
Cashless claim approval can take longer at non-network hospitals.

Star Health Insurance

Need help finding the right health plan?

Our experts offer personalised recommendations tailored to your age, family size, and health profile, ensuring you select the ideal coverage

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Star Types

Individual Health Insurance

This plan is designed to cover the medical expenses of just one person. It is ideal if you want protection only for yourself and not for other family members. You can claim the full sum insured whenever you need it, without sharing the coverage with anyone else.

Family Floater Health Insurance

A single plan that covers your entire family under one sum insured. The total amount can be used by any family member as required during the year. It’s simple, affordable, and convenient—perfect for families who want complete protection in one policy.

Senior Citizen Health Insurance

Specially made for people aged 60 years and above. This plan covers age-related health issues, regular check-ups, and hospitalization costs. It gives senior citizens peace of mind by protecting them from high medical expenses.

Critical Illness Insurance

If you are diagnosed with a serious illness like cancer, kidney failure, or a heart attack, this plan pays a one-time lump sum amount. You can use this amount for treatment, hospital bills, or even daily expenses while recovering.

Group Health Insurance

This type of insurance is usually taken by companies or organizations for their employees. It provides health coverage to multiple people under one policy. Group plans are affordable for employers and give staff a valuable health benefit.

Top-up and Super Top-up Health Insurance

These plans offer extra protection beyond your basic health insurance. If your hospital bill exceeds the limit of your main policy, your top-up or super top-up plan takes care of the remaining cost. It’s a smart and budget-friendly way to boost your coverage.

Disease-Specific Health Insurance

This plan focuses on covering a single type of illness such as dengue, diabetes, or cardiac diseases. It helps you stay financially prepared for the treatment of that specific condition without affecting your main health policy.

Corporate and Startup Health Insurance

Designed for startups, small businesses, and large companies. These plans provide health coverage to employees, helping businesses care for their teams’ well-being and build a healthier workplace.

Personal Accident Insurance

This plan offers financial support if you meet with an accident. It covers hospitalization costs, treatment expenses, and provides compensation for disability or accidental death. It ensures that you and your family stay financially secure during difficult times.

Maternity Health Insurance

This plan helps cover medical expenses related to pregnancy, delivery, and newborn care. It includes pre- and post-natal checkups, hospitalization, and sometimes even vaccination costs. Perfect for couples planning to start or grow their family.

Individual Health Insurance

This plan is designed to cover the medical expenses of just one person. It is ideal if you want protection only for yourself and not for other family members. You can claim the full sum insured whenever you need it, without sharing the coverage with anyone else.

Family Floater Health Insurance

A single plan that covers your entire family under one sum insured. The total amount can be used by any family member as required during the year. It’s simple, affordable, and convenient—perfect for families who want complete protection in one policy.

Senior Citizen Health Insurance

Specially made for people aged 60 years and above. This plan covers age-related health issues, regular check-ups, and hospitalization costs. It gives senior citizens peace of mind by protecting them from high medical expenses.

Critical Illness Insurance

If you are diagnosed with a serious illness like cancer, kidney failure, or a heart attack, this plan pays a one-time lump sum amount. You can use this amount for treatment, hospital bills, or even daily expenses while recovering.

Group Health Insurance

This type of insurance is usually taken by companies or organizations for their employees. It provides health coverage to multiple people under one policy. Group plans are affordable for employers and give staff a valuable health benefit.

Top-up and Super Top-up Health Insurance

These plans offer extra protection beyond your basic health insurance. If your hospital bill exceeds the limit of your main policy, your top-up or super top-up plan takes care of the remaining cost. It’s a smart and budget-friendly way to boost your coverage.

Disease-Specific Health Insurance

This plan focuses on covering a single type of illness such as dengue, diabetes, or cardiac diseases. It helps you stay financially prepared for the treatment of that specific condition without affecting your main health policy.

Corporate and Startup Health Insurance

Designed for startups, small businesses, and large companies. These plans provide health coverage to employees, helping businesses care for their teams’ well-being and build a healthier workplace.

Personal Accident Insurance

This plan offers financial support if you meet with an accident. It covers hospitalization costs, treatment expenses, and provides compensation for disability or accidental death. It ensures that you and your family stay financially secure during difficult times.

Maternity Health Insurance

This plan helps cover medical expenses related to pregnancy, delivery, and newborn care. It includes pre- and post-natal checkups, hospitalization, and sometimes even vaccination costs. Perfect for couples planning to start or grow their family.

Documents Required

Identity Proof

Any one of Aadhaar card, PAN card, passport, voter ID, or driving license.

Address Proof

Documents such as a utility bill or Voter ID as valid proof of your current address

Age Proof

Documents like Birth Certificate, Driving License, etc., to verify your age

Photograph

Passport-size photograph for visual identification and policy processing

Identity Proof

Any one of Aadhaar card, PAN card, passport, voter ID, or driving license.

Address Proof

Documents such as a utility bill or Voter ID as valid proof of your current address

Age Proof

Documents like Birth Certificate, Driving License, etc., to verify your age

Photograph

Passport-size photograph for visual identification and policy processing

Star Health Insurance

Claim Settlement Process

Quick and hassle-free claim settlement with dedicated support to ensure timely approvals and smooth hospital experiences

Choose a Network Hospital

Start by checking the list of hospitals that are partnered with Star Health Insurance. You can find it on the Star Health website, mobile app, or simply call OneAssure for quick help. Choosing a network hospital ensures cashless treatment.

Inform OneAssure

For emergencies, inform OneAssure within 24 hours of admission.
For planned treatments, inform us at least 3 days before hospitalisation.
This gives enough time for coordination and pre-approval.

Visit the Insurance Desk

When you reach the hospital, go to the insurance or TPA desk. Show your Star Health Insurance card (physical or digital) along with a valid photo ID like Aadhaar, PAN, or Voter ID.

Complete Pre-Authorisation

The hospital will fill out a pre-authorisation form with your treatment details and estimated costs. You only need to sign it. OneAssure will then forward it to Star Health for approval.

Wait for Approval

Star Health reviews your request to confirm if the treatment is covered. Approvals are usually given within a few hours. If more details are needed, OneAssure or the hospital will contact you immediately.

Get Treatment and Relax

Once approved, your treatment begins. After discharge, the hospital sends the final bill directly to the insurer. You don’t pay anything except personal or non-medical costs like toiletries, companion meals, or room upgrades.

Star Health Insurance

Renewal Process

Easily renew your policy online or offline to enjoy uninterrupted health coverage

Navigate to the Star Health Insurance website.

Click on the 'Renew' button at the top of the homepage.

Input your existing policy number and the insured's date of birth.

Verify the details of your current policy.

Proceed with the payment using available online methods.

Upon successful payment, a confirmation will be sent to your registered email address.

Star Network Hospitals

14,000+

Network hospitals across the country for cashless treatment

700+

Cities covered nationwide for easy access to quality healthcare

700+

States and union territories ensuring comprehensive coverage

14,000+

Network hospitals across the country for cashless treatment

700+

Cities covered nationwide for easy access to quality healthcare

700+

States and union territories ensuring comprehensive coverage

Star Health Insurance

Features Comparison

Senior Citizen Health Plan

Secure against age-related medical costs
Tailored for seniors healthcare needs

Family Health Plan

One policy covers the entire family
High sum insured with cashless care
Multiple coverage options based on your family needs

Maternity Health Plan

Covers delivery, newborn care, and maternity expenses
Reduces financial stress of childbirth costs

Star Health Insurance

How to Buy Star?

Follow these simple steps to purchase your Star health insurance policy and secure comprehensive coverage for you and your family.

How to buy Star Health Insurance from OneAssure?

Step 1: Visit www.oneassure.in or call us at +91 6364334343 to connect with our expert advisors.
Step 2: Receive 100% unbiased recommendations tailored to your needs from our team of expert advisors.
Step 3: They will help you select the best option that suits you.
Step 4: You will need to provide us with the necessary KYC documents to proceed with the issuance further.
Step 5: We will generate the payment link on your phone and email.
Step 6: Once you’ve made the payment, your policy will be issued promptly.
Step 7: If you have declared any medical conditions, additional reports must be submitted.

How to renew Star Health Insurance plans?

At OneAssure, we send out reminders to our customers via email 30 days before their renewal date to ensure they don't miss out. Following this, they will receive the payment link. You can opt to complete the payment through the provided link or directly on the Star Health Insurance portal.

Tax Benefits

The plan offers tax benefits under Section 80D of the Income Tax Act.

How to port Star Health Insurance?

Step 1: Approximately 60 days before your current policy renewal date, you have the option to port to the Star Health Insurance Policy.
Step 2: If you decide to proceed with porting, our team will discuss all the related information with you. Based on this discussion, they will recommend a suitable plan from Star Health Insurance Policy.
Step 3: After you have made your decision, depending on the chosen plan, you will need to provide us with additional documents, which are not listed in your current policy document. These documents may include your height, weight, claim details if any, previous year policy copies, nominee's name, nominee's date of birth, and their relationship with you.
Step 4: The registration process for the new policy will be completed on Star Health’s online portal.
Step 5: Once the registration is done, you will receive a payment link via email and phone. After making the payment, your new policy will be promptly issued.

Things to Remember

Grace period available, renew on time.
Review and adjust coverage during renewal.
Confirm payment, contact support if needed
Update contact information for notifications.

Star Health Insurance

Still Confused? Get Expert Guidance

Our insurance experts can help you compare plans and find the best coverage for your needs

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FAQs

Frequently Asked Questions

Got questions about health insurance? You're not alone. Here are some of the most commonly asked questions to help you understand plans, coverage, claims, and benefits better.