India's largest standalone health insurer since 2006, covering 2+ crore lives with 14,000+ network hospitals and comprehensive health solutions for every age group.
Star Health and Allied Insurance Company Limited is India's first standalone health insurance company, established in 2006 and headquartered in Chennai. As a specialist health insurer, Star Health focuses exclusively on health, personal accident, and overseas travel insurance — making it the undisputed leader in health insurance expertise.
With a gross written premium exceeding ₹16,000 crore and over 2 crore policyholders, Star Health operates through 900+ offices and 14,000+ network hospitals across India. The company went public in 2021 and is backed by marquee investors including Rakesh Jhunjhunwala's portfolio.
Star Health's flagship plan offering extensive coverage from ₹5 Lakh to ₹1 Crore with 42 day-care procedures, unlimited automatic restoration, and no sub-limits on room rent. Covers hospitalization, pre/post hospitalization, and domiciliary treatment.
A floater plan designed for families with coverage from ₹3 Lakh to ₹25 Lakh. Features automatic recharge of sum insured, 586 day-care treatments, and optional outpatient cover. Ideal for middle-income families.
Specially designed for individuals aged 60-75 years with coverage from ₹1 Lakh to ₹25 Lakh. No pre-policy health check-up required, simplified underwriting, and coverage for pre-existing diseases after 12 months.
India's first women-specific health insurance plan covering unique female health needs including maternity, gynaecological procedures, breast cancer, osteoporosis, and newborn baby cover with special wellness benefits.
India's largest cashless hospital network spanning all major cities and tier-2/3 towns. Instant cashless approvals at partner hospitals within 30 minutes for planned admissions.
Earn up to 100% cumulative bonus (sum insured increase) for each claim-free year. Even after a claim year, bonus resets only partially — protecting your accumulated benefits over time.
Select plans offer zero waiting for specified illnesses from day 1. Pre-existing disease waiting reduced to 12-24 months (vs industry standard of 48 months) in premium variants.
All Star Health policies come with guaranteed lifetime renewal — no cancellation due to claims frequency or age. Your family stays protected regardless of health deterioration over time.
Over 586 day-care procedures covered (procedures requiring less than 24-hour hospitalization) including dialysis, chemotherapy, cataract surgery, angiography, and more.
Star Wellness Program offers premium discounts up to 20% for healthy lifestyle choices — gym memberships, annual health checkups, BMI maintenance, and non-smoking status.
Show Star Health ID card at network hospital. Hospital sends pre-auth request digitally. For planned admission, submit 48 hours before; emergency: within 24 hours.
Star Health processes cashless request within 30 minutes for planned and 60 minutes for emergency cases. Approval amount communicated to hospital directly.
Receive treatment without upfront payment (within approved amount). Hospital bills Star Health directly. Co-pay (if applicable) paid by patient at discharge.
For reimbursement claims: submit bills within 15 days of discharge. Star Health settles within 7-14 working days via NEFT after document verification.
Family Health Optima (₹10-15 Lakh floater) is ideal for a family of 4. It covers all members under one policy with automatic recharge, 586 day-care procedures, and premium discount for no claims. For comprehensive needs, Star Comprehensive at ₹15-25L offers unlimited restoration.
Yes, all Star Health plans cover pre-existing diseases after a waiting period — typically 48 months for standard plans. Senior Citizens Red Carpet reduces this to just 12 months. Diabetes, hypertension, thyroid, and all chronic conditions are covered post-waiting.
Star Health has 14,000+ cashless network hospitals across India — the largest network among standalone health insurers. Major chains like Apollo, Fortis, Max, Narayana, and Manipal are included along with thousands of regional hospitals.
Most Star Health plans for ages below 60 have zero co-pay. Senior citizen plans may have 10-20% co-pay depending on the variant. Star Comprehensive has no co-pay across all age groups. Always check plan-specific terms.
Yes, Star Health accepts portability from other insurers with continuity of waiting period benefits. Apply at least 45 days before your existing policy renewal date. Accumulated no-claim bonus may also be carried forward subject to underwriting.