Star Health Group Health Insurance

Star health insurance is the first standalone health insurance company in India commencing operations in the year 2006. Ace investor Rakesh Junjuhunwala is one of the investors in Star health insurance company. Star health insurance company has recently gone for IPO to raise funds for further expansion. Star health and Allied insurance company ltd is providing services in health, personal accident and overseas travel insurance sectors. The focus of Star health insurance has always been on service excellence and product innovation and delivering the best service to the customers.Readmore...

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Star health insurance has different group health insurance plans which cater to everybody i.e. individuals as well as families. Star health insurance has clocked around Rs.9300 Cr for the financial year 2020-21 and has seen an exponential increase in premium in the past few years.Star health insurance is a standalone health insurance company which means the company only sells health insurance and related products such as personal accident and overseas travel insurance policies. Star health insurance is the only standalone health insurance company which is making its way into the top 5 general insurance companies in India in terms of GWP underwritten. View less...

Key benefits of Star Health GHI

Star health insurance company has the major share in the group health insurance business in India.
Let us understand the key benefits of Star Group health insurance policy

High Sum insured

Star health insurance is one of the companies that offer high sum insured for group health insurance policies. The maximum sum insured offered by the pre-underwritten Star Group health insurance policy is up to Rs.1 Crore for the individuals as well as families. If the customer requires a sum insured above the Rs.1 Crore limit, then the proposal would be examined by the underwriter for the need of such high sum insured. It is important to understand that higher the sum insured,higher would be the premium payable under the group health insurance policy.

Hospitalization cover

Star health insurance provides hospitalization covers such as in-patient hospitalization, pre and post hospitalization, outpatient hospitalization etc. In addition to this there are certain other covers such as alternative treatments such as Ayurveda, Yoga, Unani, Siddha and Homeopathy.

Modern treatments and surgeries

Star health insurance also covers the modern treatments depending on the sum insured chosen under the group health insurance policy. The room rent charges, ICU charges and other surgical expenses would be covered under the star group health insurance policy. Certain treatments such as Cataract, knee replacement etc would be covered up to a certain limit of sum insured under the policy.

No waiting period

Star group health insurance policy can be taken without waiting periods which means the customer can avail coverage from the day 1 itself. There are certain waiting periods in the policy such as Initial waiting period, pre existing disease waiting period, specific disease waiting period and maternity waiting period. There would be an option to choose the group health insurance policy without the need for waiting period with Star health insurance.

Additions & Deletions

Star group health insurance policy has an option to add or delete the members of the policy during the policy period. An intimation should be given to the company within 45 days of employee joining or leaving the organization to facilitate the addition or deletion process. The extra premium or refund premium would be provided to the organization as per the terms and conditions.

No pre-policy medical checkup

Star group health insurance policy does not require a pre-policy medical checkup before taking the policy. This means that there would be no need to undergo a pre-policy medical checkup before taking a group health insurance policy. Parents and other dependents can be covered under the star group health insurance policy on payment of additional premium.

Star Advantage

Hassle-free claim settlement

Star health insurance provides hassle free claim settlement facility to its customers.
As per their website 90% of the cashless claims are settled within the 2 hours of intimation.
All you have to do is to carry the health card to the hospital and register the claim at the helpdesk and the cashless approval would be given in less than 2 hours.
There are more than 10,000 network service providers for Star health insurance company serving the needs and requirements of their customers.
The claim settlement at network hospitals would be on a cashless basis which would help the insured customer immensely.
Star health insurance has an in-house claim settlement facility with 95% claim settlement ratio which means that the claims would be settled by the in-house team of star health insurance company reducing the turnaround time for claim approvals and settlement.

Wellness Benefits

Star health offers certain wellness benefits such as health risk assessment which is an online tool consisting of questionnaires for the evaluation of health and quality of the life of insured.
After completing this insured would be rewarded with wellness points.
Similarly there would be reward points if the insured undergoes preventive risk assessment which includes undergoing diagnostics or preventive tests during the policy period.
There are reward points for physical activities such as running, exercise etc. and weight management programs.
The reward points can be redeemed for discount in premium at the time of renewing the health insurance policy.

Disease specific policies

Star health insurance offers disease specific health insurance policies such as Cancer Care health policy, Cardiac care health policy, Diabetes safe health policy, Micro health insurance etc.
Star health comprehensive policy, star health super top up, star health group insurance, star group health insurance, star health insurance group mediclaim policy, star group health insurance policy, star health group insurance plans and star health group insurance for employees can be availed here.

HIV cover

Star health insurance is the pioneer in product innovation and service.
Star health insurance was the first company to offer HIV cover which is normally an exclusion under a standard health insurance policy.
Star health insurance pays a lump sum claim amount in case of HIV detection after taking the health insurance policy.