What does Star Health Insurance generally cover?

Star Health Insurance covers hospitalisation, day-care procedures, pre- and post-hospitalisation expenses, modern treatments, ambulance charges, doctor consultations, and related medical costs depending on the plan variant you choose.

Does Star Health Insurance cover maternity and newborn care?

Maternity and newborn benefits are available as add-ons or specific plan variants, including delivery expenses, C-section, and essential newborn medical care.

Are modern treatments like robotic or laser surgery included?

Yes, most Star Health plans cover advanced and specialised medical treatments, such as robotic surgery, bariatric surgery, laser procedures, and other high-tech interventions.

Does Star Health offer cashless treatment?

Yes. Policyholders can access cashless hospitalisation at any of Star Health’s network hospitals across India, which reduces out-of-pocket expenses significantly during emergencies.

What is not covered under Star Health Insurance?

Exclusions typically include cosmetic procedures, self-inflicted injuries, non-prescribed treatments, outpatient care, infertility treatments, and illnesses diagnosed during the initial waiting period.

Are day-care procedures covered?

Yes. Star Health covers numerous day-care procedures that require less than 24 hours of hospitalisation, including minor surgeries, diagnostic procedures, and advanced medical treatments.

Does Star Health Insurance provide coverage for AYUSH treatments?

Yes. Many Star Health plans cover alternative systems of medicine such as Ayurveda, Yoga, Unani, Siddha, and Homeopathy for in-patient treatment where medically necessary.

Can I get a no-claim bonus with Star Health Insurance?

Yes. Several plans offer a no-claim bonus or cumulative benefits, which increase the sum insured for claim-free years and reward responsible policyholders.

Are preventive and wellness benefits included?

Yes. Star Health plans include annual health check-ups, wellness rewards, fitness tracking, and teleconsultations to encourage proactive health management and early disease detection.

Does Star Health cover organ donor expenses?

Yes. Most plans cover medical and surgical expenses related to organ donors during transplantation, subject to the terms and conditions of the policy.

Is there coverage for home hospitalisation (domiciliary treatment)?

Yes. Some Star Health plans provide domiciliary treatment coverage when hospitalisation is not possible or medically advised, helping patients receive care at home.

Can I include my family in a single policy?

Yes. Star Health offers family floater policies, which cover multiple family members under one shared sum insured for easier claim management.

Does Star Health Insurance cover mental health treatments?

Yes. Many plans cover psychiatric consultations, mental health therapies, and necessary hospitalisation for mental illnesses, in accordance with the policy’s defined terms.

How soon can I make a claim after buying the policy?

Accidental hospitalisation claims can be made immediately, whereas illness-related claims have an initial waiting period of 30 days as per policy guidelines.

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Star Health Insurance Coverage & Benefits

Q: Are pre-existing diseases covered under Star Health Insurance?

Yes, pre-existing diseases are covered after completing the mandatory waiting period, which usually ranges from 1 to 4 years depending on the specific plan you select.

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Claim Paid Within 3 months

14000+

Network Hospitals

1 Crore+

Claims Settled

82.31%

Claim Paid Within 3 months

14000+

Network Hospitals

1 Crore+

Claims Settled

Star Health Insurance Coverage & Benefits

Customer Testimonials

Real experiences from our valued customers who have chosen our insurance coverage.

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

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

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

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

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

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

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

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

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

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

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

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

Wonderful experience with Prost. Right from suggesting the insurance products to claim process the entire experience hai been seamless. They do not mis-sell and are very transparent. Sundar Raj from the team has been wonderful and ensured prompt guidance. All the best Ruchir and keep up the good work!

Adarsh Ravindranathan

verdict

Our Verdict: Star Health Insurance Coverage

Pros

Plans designed for families, seniors, and individuals with chronic conditions.

Quick claim settlement with customer-friendly digital processes.

Wide hospital network enabling smooth and reliable cashless treatment across India.

Strong coverage for modern treatments, day-care procedures, and advanced medical technologies.

Cons

Some benefits vary widely across plans, requiring careful comparison.

Waiting periods for PEDs and specific treatments remain on the longer side.

Limited customisation options in certain plan variants.

Premiums can be slightly higher compared to some competitors.

Pros

Plans designed for families, seniors, and individuals with chronic conditions.

Quick claim settlement with customer-friendly digital processes.

Wide hospital network enabling smooth and reliable cashless treatment across India.

Strong coverage for modern treatments, day-care procedures, and advanced medical technologies.

Cons

Some benefits vary widely across plans, requiring careful comparison.

Waiting periods for PEDs and specific treatments remain on the longer side.

Limited customisation options in certain plan variants.

Premiums can be slightly higher compared to some competitors.

Final Verdict

Star Health Insurance offers well-rounded protection with strong in-patient care, modern treatment coverage, and one of the largest cashless hospital networks in the country. Its quick claim processing and easy digital support make it a dependable choice for families, working professionals, and senior citizens alike. While premiums may be slightly...

Star Health Insurance offers well-rounded protection with strong in-patient care, modern treatment coverage, and one of the largest cashless hospital networks in the country. Its quick claim processing and easy digital support make it a...

Key Coverages & Benefits Offered Under Star Health Insurance

Find out exactly what’s included and excluded under Star Health Insurance before you choose a plan.

Inclusions

Modern treatments such as robotic surgery, chemotherapy, and advanced procedures, as per plan terms.

Organ donor expenses related to approved transplant procedures.

AYUSH in-patient care under Ayurveda, Unani, Siddha, and Homeopathy.

Domiciliary/home treatment when hospitalisation isn’t possible.

Day-care procedures for treatments that don’t need a 24-hour stay.

Pre- & post-hospitalisation expenses for tests, consultations, and follow-up treatment.

In-patient hospitalisation covering room rent, ICU, nursing, doctors’ fees, medicines, and surgeries.

Exclusions

Claims from non-registered hospitals or admissions without active medical treatment.

Illnesses arising from substance abuse, STDs, or non-approved treatments.

Cosmetic or aesthetic surgeries unless medically essential.

Infertility treatments, IVF, and elective reproductive procedures.

Pre-existing diseases covered only after completing the PED waiting period.

Specified conditions like cataract or hernia have separate waiting periods.

Initial waiting period of 30 days for illnesses; accidents covered from day one.

Inclusions

Modern treatments such as robotic surgery, chemotherapy, and advanced procedures, as per plan terms.

Organ donor expenses related to approved transplant procedures.

AYUSH in-patient care under Ayurveda, Unani, Siddha, and Homeopathy.

Domiciliary/home treatment when hospitalisation isn’t possible.

Day-care procedures for treatments that don’t need a 24-hour stay.

Pre- & post-hospitalisation expenses for tests, consultations, and follow-up treatment.

In-patient hospitalisation covering room rent, ICU, nursing, doctors’ fees, medicines, and surgeries.

Exclusions

Claims from non-registered hospitals or admissions without active medical treatment.

Illnesses arising from substance abuse, STDs, or non-approved treatments.

Cosmetic or aesthetic surgeries unless medically essential.

Infertility treatments, IVF, and elective reproductive procedures.

Pre-existing diseases covered only after completing the PED waiting period.

Specified conditions like cataract or hernia have separate waiting periods.

Initial waiting period of 30 days for illnesses; accidents covered from day one.

Claims Process

How to file Star claims?

Star Health Insurance Coverage & Benefits

How Coverage and Benefits Vary in Star Health Insurance

Different Plan Variants for Different Coverage Levels

Star Health offers multiple plans with sum insured options from basic to ₹1 crore+. Premium plans provide higher limits and fewer sub-limits.

Treatment Coverage Changes by Plan Type

All plans cover hospitalisation, day-care, and pre/post-hospitalisation. Advanced treatments, AYUSH, maternity, and modern procedures get better coverage in higher plans.

Extra Benefits Vary Across Plans

Premium plans offer perks like sum insured restoration, health check-ups, wellness rewards, and bigger no-claim bonuses. Basic plans include fewer add-ons.

Different Plan Variants for Different Coverage Levels

Star Health offers multiple plans with sum insured options from basic to ₹1 crore+. Premium plans provide higher limits and fewer sub-limits.

Treatment Coverage Changes by Plan Type

All plans cover hospitalisation, day-care, and pre/post-hospitalisation. Advanced treatments, AYUSH, maternity, and modern procedures get better coverage in higher plans.

Extra Benefits Vary Across Plans

Premium plans offer perks like sum insured restoration, health check-ups, wellness rewards, and bigger no-claim bonuses. Basic plans include fewer add-ons.

How to Choose

How to Choose the Right Star Health Insurance Coverage

What is the Waiting Period in Star Health Insurance?

A waiting period is the minimum time you must wait after buying a Star Health Insurance policy before certain illnesses, treatments, or pre-existing conditions are covered. Any claim filed during this period for those conditions will be rejected.
Below are the standard waiting periods applicable across most Star Health Insurance plans:

Initial Waiting Period – 30 Days

For all illnesses (except accidents), Star Health applies a 30-day initial waiting period from the policy start date.
Accidents are covered from Day 1.

Pre-Existing Disease (PED) Waiting Period – 24 to 48 Months

Star Health applies different PED waiting periods depending on the plan

Standard Plans (Family Health Optima, Comprehensive, Senior Citizen Plans): 36 months
Higher/Comprehensive Plans: As low as 24 months
Entry-Level or Budget Plans: May extend to 48 months

PEDs are covered only if they were declared at the time of buying the policy.

Specified Diseases/Procedures – 12 to 24 Months

Star Health has a defined list of specific illnesses and surgeries with a waiting period of 1 to 2 years, depending on the plan. These usually include:

Cataract
Hernia
Varicose veins
Joint replacement
Tonsillitis, Sinusitis, ENT procedures
Internal congenital diseases
Kidney stones, Gallbladder stones
Arthritis and related conditions

The exact list and timelines vary slightly by plan.

Maternity Waiting Period – 24 to 36 Months

For plans that include maternity benefits (such as Star Women Care, Comprehensive, Gold, or Premium variants), the waiting period typically ranges from:

24 months (in maternity-special plans)
36 months (in comprehensive family plans)

Maternity covers normal delivery, C-section, and newborn care—depending on plan terms.

Other Waiting Periods

Additional waiting periods may apply in certain plans:

Mental Illness: Usually 24–36 months
Bariatric Surgery: Often 36 months
LASIK Treatment: 3 years (if included)
Critical Illness Add-Ons: 90 days waiting period + 30 days survival period (varies by add-on)

These apply only if the plan includes such benefits.

Initial Waiting Period – 30 Days

For all illnesses (except accidents), Star Health applies a 30-day initial waiting period from the policy start date.
Accidents are covered from Day 1.

Pre-Existing Disease (PED) Waiting Period – 24 to 48 Months

Star Health applies different PED waiting periods depending on the plan

Standard Plans (Family Health Optima, Comprehensive, Senior Citizen Plans): 36 months
Higher/Comprehensive Plans: As low as 24 months
Entry-Level or Budget Plans: May extend to 48 months

PEDs are covered only if they were declared at the time of buying the policy.

Specified Diseases/Procedures – 12 to 24 Months

Star Health has a defined list of specific illnesses and surgeries with a waiting period of 1 to 2 years, depending on the plan. These usually include:

Cataract
Hernia
Varicose veins
Joint replacement
Tonsillitis, Sinusitis, ENT procedures
Internal congenital diseases
Kidney stones, Gallbladder stones
Arthritis and related conditions

The exact list and timelines vary slightly by plan.

Maternity Waiting Period – 24 to 36 Months

For plans that include maternity benefits (such as Star Women Care, Comprehensive, Gold, or Premium variants), the waiting period typically ranges from:

24 months (in maternity-special plans)
36 months (in comprehensive family plans)

Maternity covers normal delivery, C-section, and newborn care—depending on plan terms.

Other Waiting Periods

Additional waiting periods may apply in certain plans:

Mental Illness: Usually 24–36 months
Bariatric Surgery: Often 36 months
LASIK Treatment: 3 years (if included)
Critical Illness Add-Ons: 90 days waiting period + 30 days survival period (varies by add-on)

These apply only if the plan includes such benefits.

Diseases Covered/not Covered

Diseases Covered/Not Covered Under Star Health Insurance

Diseases Covered

Organ Donor Treatment

Bariatric Surgery (Medically Necessary)

Mental Health & Psychiatric Care

Hernia, Hydrocele & Similar Surgeries

Cataract & Eye Disorders

Kidney & Gallbladder Conditions

Cardiac & Heart-Related Diseases

Diabetes & Hypertension

Diseases / Conditions Not Covered Under Star Health Insurance

Sleep-Related Disorders (Plan Dependent)

Rehabilitation & Rest Cure

Unproven or Experimental Treatments

Congenital External Anomalies

Self-Inflicted Injuries & Substance Abuse

Infertility & Reproductive Treatments

Cosmetic & Elective Surgeries

Diseases Covered

Organ Donor Treatment

Bariatric Surgery (Medically Necessary)

Mental Health & Psychiatric Care

Hernia, Hydrocele & Similar Surgeries

Cataract & Eye Disorders

Kidney & Gallbladder Conditions

Cardiac & Heart-Related Diseases

Diseases / Conditions Not Covered Under Star Health Insurance

Sleep-Related Disorders (Plan Dependent)

Rehabilitation & Rest Cure

Unproven or Experimental Treatments

Congenital External Anomalies

Self-Inflicted Injuries & Substance Abuse

Infertility & Reproductive Treatments

Cosmetic & Elective Surgeries

Pre-existing Diseases

Pre-Existing Diseases Covered Under Star Health Insurance

Diabetes & Hypertension

Long-term conditions like diabetes and high BP are covered once the waiting period is served.

Heart & Cardiac Illnesses

Conditions such as coronary artery disease or past cardiac issues become eligible after the PED period.

Chronic Respiratory Conditions

Asthma, chronic asthma, COPD and similar long-term respiratory diseases are included after waiting.

Thyroid Disorders

Hypothyroidism and hyperthyroidism are typically covered post-waiting.

Joint & Bone-Related Conditions

Arthritis, osteoarthritis, spondylosis and other chronic musculoskeletal issues get covered after PED rules.

Kidney & Liver Conditions

Chronic kidney disease, kidney stones, hepatitis and other ongoing organ-related issues become eligible after waiting.

Mental Health Conditions

In-patient psychiatric illnesses are covered once the PED waiting period is completed (as per policy terms).

Diabetes & Hypertension

Long-term conditions like diabetes and high BP are covered once the waiting period is served.

Heart & Cardiac Illnesses

Conditions such as coronary artery disease or past cardiac issues become eligible after the PED period.

Chronic Respiratory Conditions

Asthma, chronic asthma, COPD and similar long-term respiratory diseases are included after waiting.

Thyroid Disorders

Hypothyroidism and hyperthyroidism are typically covered post-waiting.

Joint & Bone-Related Conditions

Arthritis, osteoarthritis, spondylosis and other chronic musculoskeletal issues get covered after PED rules.

Kidney & Liver Conditions

Chronic kidney disease, kidney stones, hepatitis and other ongoing organ-related issues become eligible after waiting.

Mental Health Conditions

In-patient psychiatric illnesses are covered once the PED waiting period is completed (as per policy terms).

Customize Plan Options

How to Customize Star Health Insurance for Maximum Coverage

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Star Health Insurance Coverage & Benefits

Related Health Insurance Plans

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

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

Coverage & Benefits

Still Confused? Get Expert Guidance

Our insurance experts are here to help you make the right choice. Get personalized recommendations based on your specific needs and budget.

Claim Settlement

FAQs Frequently Asked Questions

Our insurance experts are here to help you make the right choice. Get personalized recommendations based on your specific needs and budget.

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