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About Star Health Insurance Company

star health insurance Star Health and Allied Insurance Co Ltd came into existance in 2006. At present, the company operates from more than 290 branches spread across India. It is the first ever stand-alone Health Insurance Company in India. Apart from a wide range of affordable health insurance products, Star Heath Insurance also provides comprehensive personal accident and different types of overseas travel insurance plans. Star Health Insurance boasts a capital base of Rs.1050 crores and uses its resources efficiently to design insurance products and to provide the customers with the best in class services.

Services of Star Health Insurance

Health Insurance Plans

Health Insurance plans provide much-needed financial support during medical exigencies and help individuals and families stay strong during adverse situaions in life.

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Travel Insurance Plan

Travel Insurance plans take care of financial losses of travelers during foreign tours due to unexpected events and also safeguards students during their stay abroad.

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Star Health Criticare Plus Policy

Star Health Criticare Plus Policy pays out a Lump Sum amount on diagnosis of 9 specified critical ailments. The plan doesn't require any survival period and also covers regular hospitalization expenses.

Star Health Family Health Optima Policy

Star Health Family Health Optima Policy protects entire families under one
Sum Insured which gets restored automatically by 100% upon exhaustion for 3times in a policy year.

Star Health Senior Citizen Red Carpet Policy

Star Health Senior Citizen Red Carpet Policy is designed for elderly people between 60 to 75 years who don't have to undergo medical tests to avail the cover.

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Star Health Cardiac Care Policy

Star Health Cardiac Care Policy comes in two variants such as Gold Plan and Silver Plan and is designed for those who underwent surgeries for existing cardiac ailments.

Star Health Student Travel Protect Policy

Star Health Student Travel Protect Policy is for those who go abroad for higher studies. The plan can be availed for a maximum period of 365 days.

Star Health Travel Protect Policy

Star Health Travel Protect Policy is meant for any individual above 6 months who travels to international countries for leisure or work.

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Star Health Insurance began to operate in 2006. Being a stand-alone health insurance provider, Star Health Insurance offers only health insurance policy, personal accident insurance plan and overseas mediclaim policy. The focus of Star Health Insurance is solely on improving product design, enhancing the quality of service and to be innovative in order to provider customers with the best products and service. The future of Star Health Insurance loks promising with a capital of Rs.733 crores.Star Health Insurance has come up with a wide array of health insurance plan at affordable prices. Aside from health covers, Star Health Insurance also has a couple of personal accident plans and four variants of travel policy in store.

  • Star Health Insurance is India’s first ever stand-alone health Insurer
  • Star Health Insurance boasts a wide network of over 290 branch offices all over India
  • Network for cashless and reimbursement facility at Star Health Insurance spans across over 7000 hospitals
  • Star Health Insurance facilitate customers with direct claim settlement as there is no TPA involved

In order to cater to the unique needs of all consumers, Star Health Insurance Company has come up with a myriad of flexible health plans. Some of the health covers introduced by Star Health Insurance are.

  • Star Comprehensive Insurance Policy
  • MediClassic Insurance Policy (Individual)
  • Senior Citizens Red Carpet Health Insurance Policy
  • Family Health Optima Insurance Plan

Star Health Insurance offers four variants of travel plans as well. Here is a list of travel policies on offer by Star Health Insurance.

  • Star Travel Protect Insurance Policy
  • Star Corporate Travel Protect Insurance Policy
  • Star Student Travel Protect Insurance Policy
  • Star Family Travel Protect Insurance Policy

Aside from health and travel insurance plans, Star Health Insurance also offers a couple of personal accident plans. Accident Care Individual Insurance Policy and Student Care are personal accident plans by Star Health Insurance.

  • Star Health Insurance aspires to become the biggest and most preferred health insurance provider in India
  • Star Health Insurance wants to provide financial security for Health Care Management.
  • Star Health Insurance aims to offer an array of innovative services
  • Star Health Insurance seeks to provide quality, courteous and prompt service to customers
  • Star Health Insurance makes the most of State Of Art Technology to satisfy its customer
  • Star Health Insurance wants to pursue best management practices in business operations
  • Star Health Insurance vows to reach out to all segments of society with its offerings
  • Star Health Insurance is committed to increase service and product offerings on regular basis
  • Star Health Insurance is pledged to establish and maintain long-lasting relation with customers
  • Star Health Insurance is obligated to create and raise insurance awareness as its part of Social Corporate Responsibility
  • Star Health Insurance shall seek to be open and transparent while dealing with customers
  • Star Health Insurance shall seek to offer rational explaination behind all decisions to be consistent with business practice
  • Star Health Insurance shall educate customers as well as public about availability of multiple options for products and services.
  • Star Health Insurance shall distribute products brochures and brochures on services as well
  • Star Health Insurance shall disperse service and product information through internet, information kiosks and also through Interactive Voice Response System
  • Star Health Insurance shall provide its customers with access to internet, call centers and help lines
  • Star Health Insurance shall enhance quality of content and communication in press, television, radio and other forms of mass media
  • Star Health Insurance shall have all grievances registered and acknowledged within 3 Days
  • Star Health Insurance shall all registered grievances monitored through the SRMS Portal
  • Star Health Insurance shall resolve grievances within 15 days
  • Star Health Insurance shall inform its customers about the available Insurance Ombudsman As A Redressal Forum.

There are two aspects of servicing of Star Health Insurance; services on underwriting and services on claim settlement. Let’s start with benchmarks of Star Health Insurance service on underwriting.

  • Star Health Insurance shall issue policies instantly on individual health,overseas mediclaim and personal accident policies
  • If Pre-Medical examination is required, Star Health Insurance confirm decisions related to underwriting within 7 Days from receiving reports
  • Star Health Insurance shall send notice for renewal at least 15 days prior to policy expiry Here are the benchmarks of Star Health Insurance service on claim settlement.
  • Star Health Insurance shall pre-authorize cashless Facility within just 4 Hours From Receiving the request
  • Star Health Insurance make decisions within 30 days of receiving all documents on reimbursement claims
  • Star Health Insurance shall make customers aware of their claim status within 3 days of receiving documents.

This Charter summarizes what Star Health Insurance seeks to offer to the citizens. It is not a part of policy conditions or contract of Star Health Insurance’s customers. This Citizen’s Charter of Star Health Insurance is not also a part of the service conditions of company’s workforce either.

  • Star health Insurance won the Best Health Insurance Provider of the year by Business Today, Money Today Financial Awards 2015-2016
  • Star health Insurance was conferred as the Health Insurance Company Of The Year 2015 – Indian Insurance Awards 2015
  • Star health Insurance also bagged Corporate Excellence Awards
  • Star health Insurance became the Best Claim Settlement Process Company in 2015
  • In 2014, Star health Insurance was recognized as the Most Promising Health Insurance Company
  • In the same year, Star health Insurance bagged the The Indian Insurance Award as the best Claims Service Company Of The Year
  • Hindustan MaRs Survey rated Star health Insurance as the Best Claim Settlement Insurer.

Achievements of Star Health Insurance

Star Health Insurance went from strength to strength in less than a decade. Having customers from across India, Star Health Insurance improved standards of health insurance in India. Star Health Insurance strives to provide affordable products and services for customers from all walks of life.

  • Star Health Insurance has tied up with IndiaFirst Life Insurance to launch combination of health and life insurance policies. Star Health Insurance introduced this Star First Combi Plans in the June of 2016 in five variants.
  • In the July of 2016, Star Health Insurance enhanced its diabetes insurance policy. The upgraded version of the policy by Star Health Insurance allows diabetic people to avail this plan irrespective of their status on diabetes.
  • Star Health Insurance came up with Gold variant of Super Surplus Insurance Policy in the May of 2016. Star health Insurance also make the Gold variant available in Star Super Surplus Floater Insurance.
  • The latest activity at Star Health Insurance is the upgradation of Star Cardiac Care Insurance Policy which took place in the July of 2016. Star Health Insurance included some new features in the plan without increasing the premium.