Star Health Insurance Reviews, Ratings, Best Plans and USPs

Star Health Insurance

Star Health Insurance offers the most comprehensive plans and packages to protect you and your family in dire times. The various plans offered by Star Health Insurance provide financial coverage to you in case of any crisis. However, it’s important to know what are the different plans they offer, and what is the best plan for you.

The insurer is spread across more than 300 branches in India, and offers excellent Incurred Claim Ratio as well as Claim Settlement Ratio. The various plans offered by Star Health Insurance covers critical illnesses, disease-specific plans, accidental protection plans, and a lot more. Ever since its inception in 2006, Star Health Insurance has emerged as a reputed name in the health insurance sector, and the number of reviews, ratings, and satisfactory feedback of users is a testament to their success.

In terms of health insurance plans, the offerings of Star Health are varied and innovative. The coverage is comprehensive and premiums are affordable to suit each and every person’s needs.

    Prepare today for a relaxed and secure future.

    Check out the best health insurance plans here:

    Policy Type

    IndividualFloater

    In the last 10+ years, Star Health has gained a lot of members owing to their excellent offerings as well as seamless claim settlement process. The benefits of choosing a plan from Star Health Insurance include: 

     

     

    • Custom Plans
      Star Health Insurance offers plans that are customized as per the requirement of the customer.

     

     

     

    • Transparency
      Not only does Star Health Insurance offer plans at a reasonable price, but there’s also complete transparency in the entire process.

     

     

     

    • Diverse Plans
      Star Health Insurance offers different kinds of plans, focusing on different situations and crises. 

     

     

     

    • Cashless Treatment
      With Star Health Insurance, you’ll be able to avail cashless treatment in 9500+ hospitals all over India. 

     

     

     

    • No 3rd Party Involvement
      The claims settlement process at Star Health Insurance is hassle-free and does not involve any intermediaries, thereby keeping the process simple.

     

     

     

    • Round-The-Clock Assistance
      Star Health has more than 300 branches present in India, and they offer 24*7 assistance on their toll-free number. 

     

     

    • Lifelong renewability option
      Their policies come with a lifelong renewability option for you and eliminates various hassles that you’d otherwise have to go through. 

    Star Health Insurance primary takes care of health insurance plans. Their offerings include a wide range of plans to help you and your family stay afloat even during the most difficult times. Whether you’re looking for individual insurance or group insurance, for your family or for your office - Star Health has something for everyone. 

     

    Star Health Insurance Plans

    Health insurance plans provide financial security for health care, whether in the form of regular check-ups, or for specific critical illnesses. Star Health Insurance plans help you protect your savings from being spent on healthcare expenses, medical bills, hospitalization charges, and whatnot. With such a solid financial support backed with seamless claims settlement and redressal process, Star Health Insurance plans are surely one of the best you can go for. 

     

    Here are the various plans offered by Star Health Insurance



    Plan

    Entry Age

    Sum Assured

    Premium 

    Policy Term

    Family Health Optima Health Insurance Plan

    For adults - 18 years to 65 years


    For kids - New born baby from 16th day

    INR 3L - INR 5L, INR 10L, INR 15L, INR 20L, INR 25L

    Depends on the age and sum assured

    1 year

    Senior Citizens Red Carpet Health Insurance Plan

    65 years to 70 years

    INR 1L - INR 10L

    Depends on the age and sum assured

    1 year, 2 years and 3 years

    Comprehensive Health Insurance Plan

    For adults - 18 years to 65 years 


    For dependent children - 3 months to 25 years

    INR 5L - INR 25L

    Depends on the age, the sum assured and family size

    1 year

    Medi-Classic Health Insurance Plan

    5 months to 65 years 


    65 years + -  Only Renewal

    INR 1.5L - INR 15L

    Depends on the age, the sum assured and area wise zone distribution

    1 Year

    Health Gain Insurance Plan

    91 days to 65 years 


    65 years + - Only Renewal

    INR 1L - INR 5L

    INR 15000, INR 20000, INR 25000 and INR 30000

    1 Year

    Super Surplus Health Insurance Plan

    For adults - 18 years to 65 years 


    For children - 3 months to 25 years

    INR 3L - INR 10L 

    Depends on the age and sum assured 

    2 years

    Diabetes Safe Health Insurance Plan

    18 years to 65 years

    INR 3L - INR 10L 

    Depends on the age and sum assured 

    1 year

    Cardiac Care Health Insurance Plan

    10 years to 65 years

    INR 3L and INR 4L

    Depends on the age, sum assured and Plan chosen

    1 year

    Net Plus Health Insurance Plan

    No Limit

    INR 30k - INR 50k 

    INR 2500 to INR 4000

    N/A

    Care Micro Health Insurance Plan

    For adults - 18 years to 65 years 


    For children - 2 years to 25 years

    INR 1L 

    Depends on the age, the sum assured and the city

    N/A

    Criticare Plus Health Insurance Plan

    18 years to 65 years

    INR 2L - INR 10L

    Depends on the age and sum assured 

    1 year

    Family Delite Health Insurance Plan

    For adults - 18 years to 65 years and 


    For dependent children - 5 months to 25 years

    INR 2L - INR 3L

    Depends on the age and sum assured 

     

    Cancer Care Gold Health Insurance Plan

    5 months to 65 years. For Cancer Stage 1 and 2. 

    INR 3L - INR 5L

    Depends on the age and sum assured 

    1 year

    Special Care Health Insurance Plan

    3 years to 25 years

    INR 3L

    Age 3-10: 4800rs

    Age 11-20: 532rs

    Age 21-25: 6075rs

    1 year

    Hospital Cash Health Insurance Policy

    18 years to 65 years

    INR 3L- INR 5L

    Depends on the age and sum assured 

    1 year, 2 years and 3 years



    Star Family Health Optima Health Insurance Plan

    Delivers widespread coverage to your family via a family floater plan. Also lets you avail section 80D tax benefits. 

     

    Key features include: 

    • Zero cost auto recharge facility. 
    • Free health checkups for every claim-free year.
    • Added sum insured at no extra cost. 
    • Donor expenses coverage in case of transplantation needed. 

    Star Senior Citizens Red Carpet Health Insurance Plan

    An appropriate plan for the senior citizens to help them safeguard themselves in case of any illnesses. 

     

    Key features include: 

    • No medical test required. 
    • Both individual and floater protection upto INR 25L.
    • Outpatient consultation in the connected hospitals 

    Star Comprehensive Health Insurance Plan

    The most popular plan by Star health Insurance. This offers all-inclusive features and benefits.  

     

    Key features: 

    • No limit on room rent.
    • Additional coverage in the form of organ donor expenses, alternative opinions, ambulance costs, domiciliary hospitalization, and other complicated medical actions. 
    • Automatic restoration to the extent of 100%. 
    • Personal accident coverage in case of total or partial disablement or death. 
    • Sum insured shoots up by 100% for each claim-free year. 
    • Newly married spouse and newborn requirements also covered. 

     

    Star Medi-Classic Health Insurance Plan

    Designed for compensation of healthcare costs and expenses incurred due to various illnesses, diseases, accidental injuries, or sicknesses. 

     

    Key features: 

    • Auto restoration happens by up to 200%. 
    • Increased by 5% of the basic sum insured for every claim-free year. The maximum limit of this increase is 25%.

    Star Health Gain Insurance Plan

    A comprehensive plan for complete security. You can choose the sum insured and premium as per your convenience and requirements. 

     

    Key features: 

    • Covers both inpatient and outpatient costs. 
    • A completely flexible plan - both for individuals and family. 
    • Choice from 5 sum insured options and 4 premium selections. 

    Star Super Surplus Health Insurance Plan

    This plan, as is clear from the name, offers a much bigger coverage to help you stay prepared for any unwanted hazard that might arise. 

     

    Key features: 

    • Does not require any medical tests.
    • Available in two variants - Silver and Gold - both having varied offerings. 
    • Complete coverage in case of any hazard with a seamless settlement process. 

    Star Diabetes Safe Health Insurance Plan

    This is a both individual and family health insurance plan - and caters to diabetic people. 

     

    The key features include: 

    • Covers both Type 1 and Type 2 Diabetes patients. 
    • No waiting period for Diabetes and its treatments for Plan A, and 12 months waiting for Plan B. 
    • Flexible policy options for both individuals and floaters with two plans available. 
    • Automatic restoration 100% of the sum insured. 
    • Covers outpatient expenses like consultation charges, medicine costs, diagnostic tests, and such. 
    • Offers reimbursement in case of accidental death of the insured person. 

    Star Cardiac Care Health Insurance Plan

    Designed specially for patients suffering from any cardiac or heart ailments or diseases. 

     

    The key features include: 

     

    • Also covers the insured person for accidents and non-cardiac treatments. 
    • 2 options available - Silver and Gold. 
    • Covers outpatient costs. 
    • Reimbursement provided in case of accidental death. 

    Star Net Plus Health Insurance Plan

    This plan caters to people tested HIV positive. 

     

    Key features: 

    • Doesn’t require you to submit receipts or bills - but you need to meet the prerequisites for this plan. 
    • Offers solid financial support for superior healthcare for HIV positive individuals. 

    Star Care Micro Health Insurance Plan

    This is both an individual and a family insurance plan, and provides protection on payment of a single premium, under a single sum insured. 

     

    Key features: 

    • Individual and Floater policies in Tier I and Tier II places in India.
    • No pre-policy medical check-up required.

     

    Star Cancer Care Gold Health Insurance Plan

    Designed to financially help out the cancer patients dealing with huge healthcare costs. 

     

    Key features:

    • Comprehensive coverage for cancer - from metastasis to relapse or second cancer. 
    • Offers lump sum compensation on the diagnosis of critical illness
    • Eligibility of Star Cancer Care Gold Health Insurance Plan

    Star Special Care Health Insurance Plan

    Designed for children who fall in the Autism Spectrum.

     

    Key features: 

    • Offers regular indemnity health cover
    • Requires no medical test before applying for the policy. 
    • Covers special treatments like Speech Therapy, Cognitive Behavioral Therapy, Occupational THerapy, Physiotherapy, and more. 

    Star Hospital Cash Health Insurance Policy

    This is an individual and family policy that is offered for compensating the additional expenses incurred during hospitalization.

     

    Key features:

    • Offers a lump-sum payment for entire hospitalization or healthcare expenses. 
    • Flexibility to choose from two plans - basic or enhanced. 
    • Covers daycare treatments. 
    • The benefit of childbirth hospital cash, convalescence hospital cash, and worldwide hospital cash under the enhanced version of this plan. 

    Star Criticare Plus Health Insurance Plan

    This plan offers a lump sum amount in case the insured person is detected with a major illness or disease as per the list in the policy.

     

    Key features: 

    • Completely covers nine critical illnesses. 
    • Offers lump sum compensation on diagnosis of any of the nine critical illnesses. 
    • Eligibility of Star Criticare Plus Health Insurance Plan.

    Star Family Delite Health Insurance Plan

    This is a family-focused health insurance plan and offers a lump sum amount in case the insured individual is detected with any of the listed major illnesses or diseases.

     

    Features include: 

    • Complete coverage for nine critical diseases. 
    • Offers lump sum compensation on the diagnosis of any of the nine critical illnesses for any of the family members. 
    • Eligibility of Star Family Delite Health Insurance Plan.
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    Best Policies Offered by Star Health Insurance

    While different policies offered by Star Health Insurance cater to different needs of individuals or families, here are some of the more higher rated and well received insurance policies for you to pick from: 




    Plan

    Entry Age

    Sum Assured

    Premium 

    Policy Term

    Senior Citizens Red Carpet Health Insurance Plan

    65 years to 70 years

    INR 1L - INR 10L

    Depends on the age and sum assured

    1 year, 2 years and 3 years

    Comprehensive Health Insurance Plan

    For adults - 18 years to 65 years 


    For dependent children - 3 months to 25 years

    INR 5L - INR 25L

    Depends on the age, the sum assured and family size

    1 year

    Super Surplus Health Insurance Plan

    For adults - 18 years to 65 years 


    For children - 3 months to 25 years

    INR 3L - INR 10L 

    Depends on the age and sum assured 

    2 years

    Diabetes Safe Health Insurance Plan

    18 years to 65 years

    INR 3L - INR 10L 

    Depends on the age and sum assured 

    1 year

    Cardiac Care Health Insurance Plan

    10 years to 65 years

    INR 3L and INR 4L

    Depends on the age, sum assured and Plan chosen

    1 year

    Cancer Care Gold Health Insurance Plan

    5 months to 65 years. For Cancer Stage 1 and 2. 

    INR 3L - INR 5L

    Depends on the age and sum assured 

    1 year





    Star Health Insurance has been around for more than 15 years, and has financially helped thousands of people across India. Owing to their good services, they’ve won various awards like the WHO Award of Excellence in the year 2017, o rht eBest Insurance Provider award offered by Money Today in 2019-19. The company’s branches are spread across the country, ensuring that nobody who has taken their plans faces any problems during the process. The accessibility of Star Health insurance is really helpful. 

     

    Further, according to a report, the claim settlement ratio of the company for the year 2019-20 was more than 90% - testifying the hassle-free service that is offered by Star Health. They have a satisfied employee base of more than 10k people, always striving to financially support people with their plans and offerings. Star Health Insurance plans are rated 4.4 stars on Policy Bazaar and InsuranceDekho. 

    Star Health Insurance FAQs

    1. Do any of the Health Insurance policies offered by Star Health support people with autism?

    Yes, the Star Health Special Care plan offers hassle-free coverage for autism including various therapies required like Speech Therapy, Cognitive Behavioral Therapy, and other tests and behavioral assessments.

    2. Is there any eligibility attached to the Autism plan offered by Star Health Insurance?

    Yes, the person being insured should be between ages 3 to 25 to avail the Star Health Special Care plan.

    3. Does Star Health Insurance cover the treatment of pre-existing ailments?

    Yes, pre-existing ailments are covered by Star Health Insurance plans after a waiting period of 48 months.

    4. How many network hospitals are covered under Star Health?

    Star Health has more than 9,800 top-class hospitals spread all across India.

    5. Is it possible to purchase a health insurance plan for a 3-year old child from Star Health Insurance?

    Star Health Insurance does not offer any specific plan for children. However, they can be covered under the same plan as their father or mother.

    6. Which critical diseases are covered by Star Health Insurance plans?

    The critical illnesses covered under various Star Health Insurance plans are - Coma, Paraplegia, Cancer, Quadriplegia, and various kinds of strokes.

    7. How does a top-up plan and a super top-up plan differ for Star Health Insurance?

    Top-up plans are offered to provide you with additional coverage if you already have an existing health insurance policy. A super top-up plan, on the other hand, provides you coverage when not one claim, but multiple claims exceed the threshold limit.