Star Health Insurance

Key Features

Claim Settlement Ratio 90%

Claim Settlement Facility 100%

Network Hospitals 13,000

Renewability 100%

COVID-19 Cover Yes

Incurred Claim Ratio 63%


Waiting period in health insurance is the time before which the claim is paid for certain illnesses. Pre-existing waiting period is the time the insured should wait before claiming for the pre-existing conditions. The pre-existing waiting period would normally range from 1 year to 4 years. The specific disease waiting period ranges from 1 year to 2 years whereas the initial waiting period is for 30 days. Any kind of medical expenses would not be covered during the waiting period except for hospitalization due to an accident.