Star Health Insurance 2026 – Best Plans, Premiums

  1. Star Smart Health Pro Plan 

  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.

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.

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:  

Step 1: Notify Star Health Insurance within 24 hours of being admitted to the hospital.  

Step 2: Take the treatment and pay the medical bills.   

Step 3: File a reimbursement claim.   

Step 4: Submit the claim documentation to Star Health Insurance within 15 days of discharge.  

Step 5: Your claim will be processed after the verification of your documents.   

Step 6: The amount will be reimbursed to your registered bank account upon approval. 

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: 

• Health card
• Completed claim form
• Discharge summary
• Pharmacy invoices accompanied by prescriptions
• Doctor's consultation documents and pre-admission investigations
• Investigation reports (X-rays, blood reports, scans, etc)
• Receipts from the hospital and the chemist
• KYC documents
• NEFT information, contact information, and email address
• Medico-Legal Certificate (MLC) and or FIR in the event of an accident

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

Why This Insurer Stands Out – Plan Advantages

The benefits associated with buying Star Health Insurance plans are listed below: 

• Customer-focused plans designed for diverse needs

• Affordable medicines available online with home delivery in 2,780 cities

• Free doctor consultations via call, chat, or video at 7676 905 905

• Wellness rewards redeemable for renewal discounts

• 1,635 diagnostic centres across India with home sample pickup

• Cashless hospitalization at partner hospitals with quick approvals

• Reimbursement claims available at non-network hospitals

• In-house claims team (no TPA) for faster claim settlement

All Available Health Coverage Plans at a Glance

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

Find Cashless Network Hospitals Across India

Star Health and Allied Insurance has tie-ups with multiple hospitals across the country where policyholders with a Star Health Insurance policy can avail cashless hospitalisation as well as reimbursement facility.

To locate a network hospital near your home, select your state and city from the drop-down box on the online Network Hospital Locator. You will get a list of network hospitals with contact details instantly. Star Health Network Hospital members can avail cashless transactions and get package rates for identified procedures.