Star Health Insurance 2026 – Best Plans, Premiums

  An exclusive online policy that lets customers personalise their coverage with five optional add-on covers, offering a sum insured ranging from Rs.5 lakh to Rs.1 crore.

Key Benefits:

• Sum Insured Restoration – Automatically restored unlimited times, up to 100% each time
• Cumulative Bonus – 50% increase per claim-free year, up to 600% of sum insured
• Room Flexibility – Upgrade or downgrade room category as needed
• Reduced Waiting Period – Pre-existing disease waiting period cut from 48 months to 36/24/12 months
• Non-Medical Item Coverage – Consumables eligible for payment during inpatient or day-care treat
  The features of Smart Health Pro are:

2.Star Diabetes Safe Insurance Policy Features

The Star Diabetes Safe Insurance Policy covers in-patient hospitalisation due to diseases, accidents, and complications from Type 1 or Type 2 diabetes. Individuals having a history of diabetes can buy this policy. The plan provides individual and family floater coverage for complications related to diabetes as well as for any other illnesses requiring hospitalisation for a full day.

3. Star Cardiac Care Insurance Policy Coverage

The Star Cardiac Care Insurance Policy is a special health insurance plan for people who have had heart surgery or have been diagnosed with a cardiac condition. Individuals between the ages of 7 years and 70 years are covered under this plan.

4.Star Comprehensive Insurance Policy

With a lifetime renewal benefit, the Star Comprehensive Insurance Policy can cover an individual or a family. This plan offers multiple sum insured options.

• The insured amount is between Rs.5 lakh and Rs.1 crore 

• Both individual and family floater options are covered by the policy 

• coverage for hospitalization expenditures, including room, nursing, and consultation fees 

• Coverage for air ambulance costs up to Rs.2.5 lakh (with a maximum of Rs.5 lakh) 

• Pre- and post-hospitalization expenses are covered for a maximum of 60 and 90 days, respectively 

• coverage for hospital stays in home care that goes longer than three days 

• coverage for maternity and newborn care, including the cost of the infant's vaccinations, until the baby turns one year old and is then added to the insurance 

• Cash benefits from the hospital 

• yearly physical examination 

• AYUSH treatment coverage 

• coverage up to Rs.10 lakh for both accidental death and permanent complete disability 

• At an extra charge, optional coverage can shorten the 36-month waiting period for pre-existing conditions to 12 months 

• Once the sum insured is depleted during the policy duration, it will be automatically replenished 

• In the year of renewal, the sum insured amount is increased to receive 100% of the cumulative bonus 

• coverage for contemporary therapies like deep brain stimulation and robotic surgery, among others 

• 10% co-payment at the entry level and subsequent policy renewals for individuals over 60 

• covers the costs associated with bariatric surgery and its aftereffects 

• Under the Star Wellness Program, the insured are rewarded with a variety of wellness activities. 

5. Star Senior Citizen Red Carpet Health Insurance Policy

The Star Senior Citizens Red Carpet Health Insurance Policy is best suited for senior citizens between the ages of 60 and 75 years. A lifelong renewal option is included with the policy, which covers a variety of daycare procedures and treatments, modern treatments, and pre-existing conditions.

• Sum insured coverage is available on an individual basis up to Rs.25 lakh and on a floater basis from Rs.10 lakh to Rs.25 lakh 

• Pre-insurance medical testing is not necessary 

• Every daycare procedure is covered 

• Quarterly and half-yearly premium payments are both possible 

• Beginning in the second year of the policy, pre-existing conditions are covered 

• For every claim, a 30% co-pay is required 

• Includes extensive coverage for advanced therapies including deep brain stimulation, robotic surgery, intravitreal injections, bronchial thermoplasty, and more at network hospitals, as well as childcare procedures and surgeries 

• Covers cataract surgery up to specific thresholds determined by the selections for sum insured 

• 5% off the plan's online purchase. 

How to Purchase a Health Plan Online

The steps to buy a Star Health Insurance plan online are listed below: 

Step 1: Visit the official website of Star Health Insurance. 

Step 2: Click on the ‘Buy Now’ button.

Step 3: Enter all the requested information.

Step 4: Select an insurance plan as per your requirement.

Step 5: Pay the premium.

Step 6: You will receive the policy documents at your registered email address.

Simple Steps to Renew Your Health Coverage

You can easily renew your Star Health Insurance plan online at your convenience. The steps to renew your Star Health Insurance plan online are as follows:  

Step 1: Visit the official website of Star Health Insurance.

Step 2: Click on the ‘Renew’ option.

Step 3: Enter your date of birth and policy number. 

Step 4: Click on the ‘Submit’ button.

Step 5: Make the premium payment.

Step 6: A renewal copy of your Star Health Insurance plan will be sent to your registered email address.

How to File a Cashless Claim at Network Hospitals

Star Health Insurance offers a simple process to ensure prompt processing of all settlements. You can make a claim in two ways – cashless claim and reimbursement claim.

The claim settlement process for a cashless claim is mentioned below:

• Step 1: Visit the network hospital's insurance desk and intimate Star Health via call (1800 425 2255 / 1800 102 4477) or email support@starhealth.in

• Step 2: Present your Star Health ID card and submit relevant documents (doctor consultations, pre-admission reports)

• Step 3: The hospital submits a pre-authorization form; doctors verify all documents before processing

• Step 4: If needed, a field doctor may visit the patient at the hospital

• Step 5: Post-discharge, the hospital forwards the final claim and Star Health settles the bill directly

Step-by-Step Guide to Filing a Reimbursement Claim

Reimbursement claims can be made at both network and non-network hospitals. The steps to file a reimbursement claim are listed below:  

• First, let your insurance provider or Third-Party Administrator (TPA) know that you will be hospitalized due to an emergency. At least 48 hours prior to a scheduled hospital stay and within 24 hours of an emergency hospital stay, you must notify your insurer or TPA 

• Just go to the hospital for treatment and concentrate on getting well 

• Pay the whole hospital bill after you are released from the hospital 

• When you are being released from the hospital, gather all the paperwork associated with your stay, such as the hospital bill and discharge statement 

• To receive payment, obtain the health insurance claim form and complete it completely. The claim form is readily available on your insurer's website 

• Send your insurer the claim form and any other necessary paperwork within the allotted time, which is often 15 to 30 days. These documents can be sent via email, speed post, the insurer's website, or in person at the insurer's office 

• The insurance provider will cross-reference the coverage offered by your health insurance policy with all the documentation they have received. Within 30 days of receiving the documentation, your claim will be either approved or denied following verification. The insurer will notify you if more documentation is needed 

• The insurance provider will pay you the claim amount if your claim is approved. 

Can Reimbursement Health Insurance Claims be Rejected? 

Yes. Health insurance reimbursement requests may occasionally be denied for a number of reasons. Here are a few explanations for why reimbursement health insurance claims could be denied: 

• If your policy—including a senior citizen, health insurance policy—does not cover the therapy or medical condition 

• If you fail to provide all necessary, claim documentation 

• False allegations 

• Claims for medical procedures are not recommended by the physician 

• If you conceal or give misleading information on a medical condition 

• If you submit a claim before the waiting time has passed for certain illnesses or pre-existing disorders (PEDs). 

Paperwork Needed for a Cashless Hospitalisation Claim

Here is a list of documents needed to file a cashless claim with Star Health Insurance: 

• Health card
• Summary of Discharge

• Pharmacy invoices accompanied by prescriptions
• Doctor's consultation papers
• Investigation reports (X-rays, blood reports, scans, etc)
• Insured’s KYC documents (for claim amount above Rs.1 lakh)
• Medico-Legal Certificate (MLC) and or FIR in the event of an accident

Note: You must submit all original documents except for the health card.

Documents to Submit for a Reimbursement Settlement

The documents required in a reimbursement claim settlement process are as follows: 

• Completed health insurance claim form 

• A copy of your health card or health insurance coverage 

• Original investigative reports, such as those from CT scans, X-rays, and blood tests 

• Copies of medical certificates, prescriptions, and doctor consultation documents 

• Summary of the initial hospital discharge or daycare 

• Original medical bills 

• Original prescription bills 

• Original diagnostic test invoices 

• Original receipts for bill payments 

• Original implant invoice or sticker 

• Medico-Legal Certificate (MLC) or FIR (in the event of an accident) 

• A duplicate of the KYC records 

• Details of NEFT 

What Does Your Health Policy Cover?

Here is a list of expenses covered under Star Health Insurance plans

• Pre & post-hospitalization costs linked to in-patient care

• Hospitalization expenses – room rent, doctor fees, ICU, and surgery charges

• Daycare procedures that don't require extended hospital stays

• Home treatments recommended by a doctor (domiciliary care)

• Road accident hospitalizations

• Health check-up costs

• Alternative treatments like Ayurveda, Homeopathy, Yoga, and more

• Sum Insured restoration – 100% automatically restored if your coverage is exhausted

What Is Not Covered Under the Policy?

Here are the exclusions of Star Health Insurance:

• Self-inflicted injuries

• Cosmetic or plastic surgery

• Adventure or risky sports injuries

• Obesity or weight loss treatments

• Aids like eyeglasses, wheelchairs, hearing aids, and crutches

• Dental treatments (unless due to an accident requiring hospitalization)

Get in Touch – Helpline Numbers & Support Channels

Star Health Insurance customer service works round the clock to provide constant support to its customers. In case of any queries or issues, you can avail assistance from the insurer in any of the ways listed below: 

• Buy Plan: 1800 425 2255
• Renew Plan: 1800 102 4477
• Claims Helpline: 044 6900 6900
• Corporate: 044 4366 4666
• Grievance: 044 4366 4600
• Senior Citizen Claims: 044 4002 0888
• Senior Citizen Grievance: 044 6900 7500
• WhatsApp number: +91 95976 52225
• Email address: support@starhealth.in, claims@starhealth.in

Read More on >> Star health insurance customer care

All Available Health Coverage Plans at a Glance

The various health insurance policies offered by Star Health Insurance are listed below: