Star Health & Allied Insurance Co. Ltd
Star Health & Allied Insurance Co. Ltd

Star Well being Insurance coverage Firm

Star Well being and Allied Insurance coverage Co Ltd is a three way partnership between ICICI Ventures Fund Administration, TATA Capital Progress Fund, Oman Insurance coverage Firm, UAE and Alpha TC Holdings Pte. Ltd., Singapore. Based and authorised by IRDA, the corporate offers in three main sections: Well being Insurance coverage, Abroad Mediclaim Coverage and Private Accident plans. The enterprise curiosity of the corporate is to supply wide selection of plans and insurance coverage insurance policies single-mindedly devoted solely to the well being sector.

Star Well being believes in utilizing the sources to deal with offering excellence in service, design merchandise and use core competency of innovation to ship the most effective to their clients. Being India’s first standalone firm within the medical health insurance trade, it offers in varied sorts of medical health insurance insurance policies, medi-claim and abroad journey insurances plans conserving in thoughts the consolation and suitability of the nation-wide shoppers. Established in 2006, the corporate has progressed by leaps and bounds in slightly below a decade and has proven distinctive progress as in comparison with different common insurance coverage firms being within the trade from a long time. Elevating a benchmark within the medical health insurance sector, Star Well being has change into certainly one of India’s most trusted specialist firms for medical health insurance. It has its presence by greater than 290 department workplaces throughout pan India working dedicatedly in the direction of offering the most effective of insurance policies to their invaluable clients. With a imaginative and prescient to change into the most important and most most popular Well being Insurance coverage firm in India, it supplies assist and help to its clients by assist traces, name facilities and on-line medium.

The Star Well being Insurance coverage has constructed up an efficient grievance redressal mechanism for the purchasers to take care of them in an open and clear method and assist them with higher providers. They allow clients to know declare standing inside three days of receipt of paperwork; they purpose to make the providers extra seen to a higher viewers. With the intention to make their providers extra accessible, Star Well being Insurance coverage share common communications by mails and brochures giving details about the services they’ve to supply. Making life handy for the purchasers, the coverage holders obtain renewal discover 15 days earlier than expiry of coverage and supply pre authorisation for cashless facility inside four hours from receipt of the request.

Star Well being Insurance coverage Stats

With a capital base of Rs.985 crores, Star Well being has reached new heights having began in 2006 to current. Being new out there of insurance coverage in comparison with different common insurance coverage firms and particularly catering to well being trade, Star well being Insurance coverage has proven a landmark success in a short while span.

The corporate has been awarded with quite a few awards and accolades and is ranked amongst India’s high well being insurers. Awarded because the Well being Insurance coverage Firm of The Yr 2015 below the Indian Insurance coverage Awards 2015, it additional goals to supply monetary safety for well being care administration to a bigger person base within the nation. Offering complete monetary safety in opposition to varied medical emergencies, the plans and insurance policies below the corporate are one of the vital wanted and trusted within the nation. The corporate additional plans to develop the product line and providers within the well being sector on a seamless foundation to serve the viewers with the most effective of every thing.

Beating 28 common insurance coverage firms on the Indian Insurance coverage Award, Star Well being was awarded because the ‘Claims Service Firm Of The Yr, 2014’ together with being rated the Greatest Declare Settlement Insurer by Hindustan Mars Survey. Every coverage covers greater than 7800 networked hospitals throughout India with advantages like cashless hospitalization and remboursement facility too. They boosts of a SRMS portal devoted to monitoring the grievances registered on the Built-in Grievance Administration System (IGMS)as a redressal discussion board to tell clients concerning the availability of insurance coverage ombudsman and extra. They’ve proven good outcomes previously few years and try to carry out the most effective sooner or later too.

Star Well beingMerchandise & Providers

Because the Star Well being and Allied Insurance coverage Co Ltd offers within the well being sector solely, due to this fact the insurance policy are particularly associated to well being solely with a variety of choices on the platter. Defining the purpose of a medical health insurance coverage, it’s a protection in opposition to the heavy medical bills a person is about to bear sooner or later. Main prices of hospitals, drugs and different well being associated points are coated below the coverage chosen by the coverage seeker accordingly.

Star Well being subject insurance policies on particular person well being, private accident and abroad mediclaim insurance policies to their clients and in addition educate a wider public concerning the a number of choices obtainable below the services provided by the Star Well being Insurance coverage Firm. Having a transparent consciousness of the wants of the folks, they’ve curated their plans to swimsuit common and main conditions associated to well being.

Many insurance policies provided by the Star Medical insurance additionally present personalised physician go to for the coverage holders getting hospitalised to be able to get a transparent image of the present situations and the illness. The insurance policies vary from Household Floater Schemes to Senior Citizen Well being Protection and rather more.

Star Well being Insurance coverage claims of hassle-free and customer-friendly direct declare settlement with out intervention of TPA. Constructing and sustaining an everlasting relationship with clients, the insurance policies are designed with a particular look after offering immediate, courteous and high quality service to the purchasers.

Star Well being Insurance coverage Plans

Following are the medical health insurance plans provided by Star Well being

Family Health Optima Insurance Plan  


It’s a single coverage with a large protection for complete household at a very simple and reasonably priced premium. It features a well being checkup costing as much as Rs.5,000 for each block of three years of coverage protection. The coverage will get 100% computerized restoration of the whole sum. Moreover, the new-born member of the household will get a canopy from the 16th day of the delivery. If any member of the family is required to undergo organ transplant, the donor bills are coated by this household well being coverage too and all day care procedures are additionally coated.

It’s one other particular coverage for senior residents aged between 60 to 75 years. This coverage doesn’t have any pre-insurance medical take a look at requirement and has a sum insured upto Rs.10 Lakhs with assured lifetime renewals.

This medical health insurance coverage doesn’t have a cap on room lease and therapy value however covers medical bills incurred on Bariatric surgical procedures and its issues, supplies air ambulance help, value of well being verify up, maternity and new born child cowl.

This coverage covers well being checkup prices as much as Rs.5,000 for each block of four declare free years and 101 day care procedures are additionally coated below this.

Few Extra Insurance coverage Plans from Star Well being Insurance coverage

  1.  star care
  2.  star health gain
  3.  super surplus
  4. star criticare plus
  5. star cardiac care
  6. star unique health
  7. rural micro health
  8. star wedding gift
  9. diabetes safe
  10. star family delite
  11. star health accident are

Star Well being Insurance coverage – FAQ

Right here’s a have a look at some ceaselessly requested query

1 What’s a well being Card?

A well being card is a card that comes together with the Well being Coverage. It’s just like an Identification card. This card would entitle you to avail cashless hospitalization facility at any of our community hospitals. A well being card mentions the contact particulars and the contact numbers of the TPA.

2 How do I renew my coverage after 1 12 months?

The corporate would ship you a renewal discover informing you of the expiry of your well being coverage through courier. Nonetheless the Firm is below no obligation to ship renewal discover and its absence thereof shall not tantamount to deficiency in providers. Therefore Buyer has the prime duty to resume his coverage.

three What’s a cashless hospitalisation?

Within the occasion of hospitalization below regular circumstances, the affected person or their household may have a invoice to pay the hospital. Beneath Cashless Hospitalization the affected person doesn’t settle the hospitalization bills on the time of discharge from hospital. The settlement is finished straight by Star Well being Insurance coverage.

four What number of claims can I make in a 12 months?

Any variety of claims is allowed through the coverage interval. Nonetheless the sum insured is the utmost restrict below the coverage.

5 What about tax exemption?

-Premium paid below the Medical insurance Coverage is exempted from Revenue Tax below part 80D of the Revenue Tax Act as much as Rs.15,000 for particular person overlaying his household and dependant Youngsters.
-In case the proposer intends to cowl his mother and father below medical insurance coverage, he’s eligible for a deduction of one other Rs.25,000 below part 80D.
-In case the age of father or mother to be coated is above 65 years, the deduction obtainable is Rs.30,000 below part 80D.

6 What’s a household floater plan?

Beneath this, one single coverage takes care of the hospitalisation bills of your complete household. Household Floater Well being Plan takes care of all of the medical bills throughout sudden sickness, surgical procedures and accidents.

7 Is a medical checkup necessary earlier than shopping for a well being coverage?

A medical checkup is critical for a brand new medical health insurance coverage for patrons above the age of 50 years. Medical checkup just isn’t required just for Senior citizen coverage provided to folks between 60 years to 69 years. Please verify the plan phrases and situations earlier than choosing.

Click Official Website  :- StarHealth