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Star Health Insurance

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82.31%

Claim Settlement Ratio

14,000+

Network Hospitals

6.8

Overall 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...

Star Health Insurance

Top Star Health Insurance Plans

Star Health Comprehensive Plan

Star Health Comprehensive Plan

  • Includes ambulance & daily cash benefits

  • No room rent restrictions – freedom to choose any room

  • Covers hospitalisation, surgeries, diagnostics & medicines

Star Health Insurance

About Star Health Insurance

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...

Star Health Insurance

Star Health Insurance Rating

Overall Rating

6.8

out of 10

Solvency

2.8/4

ICR

1.9/3

Growth

2.1/3

Performance Index

Gross Direct Premium

Star Health Insurance

15254.45Cr

Industry Average

6623.86Cr

Star Health Insurance

Industry Average

Performance Index

ICR%

Star Health Insurance

66.47%

Industry Average

63.63%

Star Health Insurance

Industry Average

Star Health Insurance

Customer Testimonials

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

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

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

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

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

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

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

Star Health Insurance 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.

Documents Required

Identity Proof

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

Address Proof

Age Proof

Photograph

Star Health Insurance

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 Health Insurance

Renewal Process

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

1-5 of 6 Process

Star Health Insurance 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

Star Health Insurance

Features Comparison

Senior Citizen Health Plan

Senior Citizen Health Plan

  • Secure against age-related medical costs

  • Tailored for seniors healthcare needs

Most Popular

Family Health Plan

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

Maternity Health Plan

  • Covers delivery, newborn care, and maternity expenses

  • Reduces financial stress of childbirth costs

Star Health Insurance

How to Buy Star Health Insurance?

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

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

Star Health Insurance

Frequently Asked Questions

Get answers to common questions about our insurance policies and services.

1-5 of 20 FAQs