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.

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.

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

Health Insurance Plans

Star Health Insurance Plans

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82.31%

Claim Settlement Ratio

14,000+

Network Hospitals

6.9

Overall Rating

Star

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.

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 Plans

Smart Health Pro

Comprehensive

Medi Classic

Assure

Super Surplus Gold

Key Features

Top Product Highlights

Compare the features of the top health insurance products to find the perfect plan for your needs.

Product Name	Room Rent	Coverage Options	Restoration Benefit
Smart Health Pro	Private Single A/C Room; optional room modification available	₹5 Lakh to ₹1 Crore	100% once under base cover; unlimited restoration available as an optional cover
Medi Classic	2% of Sum Insured per day, subject to a maximum of ₹5,000 per day.	Sum Insured options of ₹5 Lakh, ₹7.5 Lakh, ₹10 Lakh and ₹15 Lakh.	Not specified in the retrieved source.
Assure	Capped at up to 1% of Sum Insured per day for a ₹5 Lakh cover. For ₹10 Lakh to ₹25 Lakh cover: Any room allowed except suites. For ₹50 Lakh to ₹2 Crore cover: Any room category with zero restrictions (Suites included). Proportionate deduction applies if an higher room tier is chosen.	Available coverage options: ₹5L, ₹10L, ₹15L, ₹20L, ₹25L, ₹50L, ₹75L, ₹1 Cr, ₹2 Cr	Yes, your sum insured restores to 100% each time you make a claim in a policy year, for both related and unrelated illnesses
Super Surplus Gold	Single Private A/C Room	₹5 Lakh to ₹1 Crore for Gold Plan	Recharge Benefit available once for the remaining policy period
Young Star Gold	Single Private Room is included as part of base cover. However, you can opt for Room Modifier Add-on to upgrade or downgrade the room category	Available coverage options:₹3L, ₹5L, 10L, 15L, 20L, 25L, 50L, 75L and 1 Cr	Sum insured restores to 100% after each claim during the policy year
Young Star	Single Private A/C Room, with proportionate deductions applicable for higher room categories	₹3 Lakh to ₹1 Crore, with ₹3 Lakh available only on an individual basis; higher options available on individual and floater basis	100% Automatic Restoration of Basic Sum Insured, subject to policy conditions
Young Star Silver	Single Private Room is included as part of base cover. However, you can opt for Room Modifier Add-on to upgrade or downgrade the room category	Available coverage options:₹3L, ₹5L, 10L, 15L, 20L, 25L, 50L, 75L and 1 Cr	Yes, your sum insured restores to 100% each time you make a claim in a policy year, for both related and unrelated illnesses
Cardiac Care Platinum	Single Private A/C Room; proportionate deduction applies for a higher room category, except where the hospital does not use differential billing.	Sum Insured ₹5L, ₹7.5L, ₹10L, or ₹15L. Entry age 7–70 years with a past cardiac ailment treated by surgical intervention or procedure. Policy term 1, 2, or 3 years; lifelong renewal.	Automatic restoration of 100% of Basic Sum Insured once per policy period under Section 1 only, for unrelated illness; not available for cardiac ailments or modern treatments.
Family Health Optima	Shared accommodation is covered within the applicable policy limits.	Family Floater.	100% of the Sum Insured is restored up to three times in a policy year, subject to policy conditions.
Diabetes Safe Plan A	Single standard air-conditioned room, subject to policy terms and applicable limits.	Individual and Family Floater for self and spouse.	100% of the basic Sum Insured is restored once during the policy period for eligible Section 2 claims on individual policies. This benefit is not available on floater policies.
Optima Insurance	Covered; specific room category conditions apply	Family Floater	Automatic restoration up to three times in a policy year
Women Care	Up to 1% of SI (₹5L); Single AC up to ₹25L; any room above ₹50L	Available coverage options: ₹5L, ₹10L, ₹15L, ₹20L, ₹25L, ₹50L,₹1 Cr	100% once after full/partial utilization in a year
Medi Classic Gold	Under the Gold Plan, the room-rent limit depends on the selected Sum Insured. The reviewed product information indicates a limit of up to ₹5,000 per day for ₹3 lakh and ₹4 lakh Sum Insured options, and Private Single AC Room eligibility for Sum Insured options from ₹5 lakh to ₹25 lakh. Verify against the current policy wording.	Gold Plan Sum Insured options are reported as ₹3 lakh, ₹4 lakh, ₹5 lakh, ₹10 lakh, ₹15 lakh, ₹20 lakh and ₹25 lakh. Confirm current availability against the latest product document.	The Gold Plan is reported to include automatic restoration of the Basic Sum Insured by 200% once during the policy period, along with a separate Super Restoration benefit of an additional 100% of the Basic Sum Insured once for subsequent hospitalisation. Confirm the triggering conditions, usage rules and restrictions in the current policy wording.
Star Women Care Policy	Up to 1% of SI (₹5L); Single AC up to ₹25L; any room above ₹50L	Available coverage options: ₹5L, ₹10L, ₹15L, ₹20L, ₹25L, ₹50L,₹1 Cr	100% once after full/partial utilization in a year
Super Star	Any Room	₹5 Lakh to ₹1 Crore and Unlimited Sum Insured under the applicable option	Automatic restoration up to 100%, unlimited number of times
Red Carpet Senior Citizens	Covered according to the applicable room, boarding and nursing benefit table	Individual and Floater Sum Insured	Not specified in the retrieved source
Special Care Gold	Up to 1% of Sum Insured per day	₹4 Lakh and ₹5 Lakh, individual basis	Not specified
Special Care	Up to ₹5,000 per day	₹3 Lakh	Not specified
Health Gain	Up to 1% of the basic Sum Insured per day.	Individual and Family Floater.	Not specified.
Star Women	₹5 Lakh: up to 1% of Sum Insured per day; ₹10 Lakh to ₹25 Lakh: Any Room except suite or above; ₹50 Lakh and ₹1 Crore: Any Room	₹5 Lakh to ₹1 Crore	100% once, subject to policy conditions
Hospital Cash Insurance Policy	Room-rent eligibility is governed by the underlying Medi Classic Gold Plan and its applicable policy terms. The Hospital Cash benefit does not independently provide a room-rent limit. Verify the selected Gold Plan's room eligibility against the current policy wording.	Hospital Cash is an optional benefit available under the Medi Classic Gold Plan for an additional premium. The published benefit is ₹1,000 per eligible completed hospitalisation day, subject to a maximum of seven days per hospitalisation and 14 days per policy period.	Restoration is governed by the underlying Medi Classic policy. It is not a separate Hospital Cash benefit. Verify the applicable restoration conditions against the current policy wording before publishing details.
Health Cardiac Care Silver & Gold Plan	Room, boarding and nursing expenses covered up to ₹5,000 per day.	Individual coverage with Silver and Gold plan options.	Not specified.
Smart Health Pro	Private Single A/C Room; optional room modification available	₹5 Lakh to ₹1 Crore	100% once under base cover; unlimited restoration available as an optional cover
Medi Classic	2% of Sum Insured per day, subject to a maximum of ₹5,000 per day.	Sum Insured options of ₹5 Lakh, ₹7.5 Lakh, ₹10 Lakh and ₹15 Lakh.	Not specified in the retrieved source.
Assure	Capped at up to 1% of Sum Insured per day for a ₹5 Lakh cover. For ₹10 Lakh to ₹25 Lakh cover: Any room allowed except suites. For ₹50 Lakh to ₹2 Crore cover: Any room category with zero restrictions (Suites included). Proportionate deduction applies if an higher room tier is chosen.	Available coverage options: ₹5L, ₹10L, ₹15L, ₹20L, ₹25L, ₹50L, ₹75L, ₹1 Cr, ₹2 Cr	Yes, your sum insured restores to 100% each time you make a claim in a policy year, for both related and unrelated illnesses
Super Surplus Gold	Single Private A/C Room	₹5 Lakh to ₹1 Crore for Gold Plan	Recharge Benefit available once for the remaining policy period

Star

Customer Testimonials

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

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 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

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

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

Why Choose Star Health Insurance Plans?

Extensive Cashless Network

Access quality healthcare through 14,000+ network hospitals across India for quick and seamless cashless treatment.

Comprehensive Coverage

Enjoy protection for hospitalization, pre and post-hospital expenses, daycare treatments, and AYUSH therapies, all in one plan.

Quick & Hassle-Free Claims

Experience fast claim approvals and transparent settlements, backed by dedicated 24x7 customer support.

Family-Focused Plans

Safeguard your loved ones with family floater options, ensuring everyone’s medical needs are covered under a single policy.

Trusted & Experienced Insurer

With years of expertise in healthcare insurance, Star Health is known for its reliability, customer satisfaction, and prompt service.

Extensive Cashless Network

Access quality healthcare through 14,000+ network hospitals across India for quick and seamless cashless treatment.

Comprehensive Coverage

Enjoy protection for hospitalization, pre and post-hospital expenses, daycare treatments, and AYUSH therapies, all in one plan.

Quick & Hassle-Free Claims

Experience fast claim approvals and transparent settlements, backed by dedicated 24x7 customer support.

Family-Focused Plans

Safeguard your loved ones with family floater options, ensuring everyone’s medical needs are covered under a single policy.

Trusted & Experienced Insurer

With years of expertise in healthcare insurance, Star Health is known for its reliability, customer satisfaction, and prompt service.

Documents Required

Identity Proof

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

Address Proof

Age Proof

Photograph

Identity Proof

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

Address Proof

Age Proof

Photograph

Star

Claim Settlement Process

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

1-5 of 6 Process

Star

Renewal Process

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

1-5 of 6 Process

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

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

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

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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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.