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%

About Star Health Insurance

Star health insurance was founded in 2006 as a joint venture between ICICI Ventures, India's leading company Sequoia capital, Tata capital growth fund, Oman Insurance company and others. Star health and allied insurance company limited is an Indian standalone health insurance company headquartered at Chennai, Tamilnadu.


Star Health insurance plans

Star comprehensive insurance policy

Star comprehensive insurance plan is one in all health insurance plans. The plan doesn't have capping on the room rent. Insured customers can avail treatment at private single AC rooms. The plan also provides care beyond cover with wellness programs such as disease management programmes for healthy life. The plan offers free health checkup for every claim free year. Star comprehensive plan also covers the maternity and newborn baby, the sum insured which is in addition to the base sum insured. Automatic restoration of sum insured up to 100% for subsequent hospitalization even for the illnesses or diseases for which the claim was made. Dental and Ophthalmic expenses can be availed on OPD basis. Sum insured would be increased by 100% for every claim free year.

Benefits of Star Health Insurance

Star health insurance offers super restoration in which the sum insured would be restored up to 100% of the basic sum insured for the same ailment in subsequent hospitalization. The super restoration benefit is available only once during the remaining policy period which can be used for next hospitalization.

Key Statistics of Star Health insurance

  • 12,800+ employees working in 640+ branches all over India.
  • Underwritten a Gross Written Premium GWP of ₹6865 CR during the FY 2019-20.
  • 13,000+ cashless network hospitals across India.


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.