
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 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 Health Insurance Plans
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 individual health, family floater, senior citizen, critical illness, top-up and super top-up, personal accident, disease...
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
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
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
Documents Required
Star Health Insurance
Claim Settlement Process
Quick and hassle-free claim settlement with dedicated support to ensure timely approvals and smooth hospital experiences
Star Health Insurance
Renewal Process
Easily renew your policy online or offline to enjoy uninterrupted health coverage
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
Secure against age-related medical costs
Tailored for seniors healthcare needs
Most Popular
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 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.
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