Understanding Star Health Insurance: Features, Benefits, and Coverage


Health insurance is an essential tool for individuals and families to manage their healthcare expenses. With the increasing cost of medical treatments, having a health insurance policy can provide financial protection and peace of mind. Star Health Insurance is one of the leading health insurance providers in India, offering a range of policies to cater to different healthcare needs. In this article, we will take a closer look at Star Health Insurance, its features, benefits, and coverage.

About Star Health Insurance

Star Health Insurance is a leading health insurance provider in India, offering a range of policies to cater to different healthcare needs. Founded in 2006, Star Health Insurance has emerged as a reliable and trustworthy health insurance provider in India. The company is known for its innovative products, comprehensive coverage, and customer-centric approach.

With a wide network of hospitals and round-the-clock customer support, Star Health Insurance has become a preferred choice for individuals and families looking for quality healthcare protection.

Features of Star Health Insurance:

Comprehensive coverage:

One of the key features of Star HealthInsurance is its comprehensive coverage. The policy covers medical expenses related to hospitalization, pre and post-hospitalization, day care procedures, and domiciliary hospitalization. Hospitalization expenses such as room rent, nursing charges, surgeon fees, anesthesia, and blood transfusion charges are covered under the policy. The pre and post-hospitalization expenses, such as doctor consultation fees, diagnostic tests, and medicine bills, are also covered.

Wide network of hospitals:

Star Health Insurance has a wide network of hospitals across India, where policyholders can avail cashless treatment. The cashless treatment facility means that the policyholder does not have to pay for the medical expenses upfront. The insurer settles the bill directly with the hospital. The cashless facility can be availed at network hospitals, and the list of network hospitals is available on the insurer’s website.

Lifetime renewability:

Star Health Insurance policies come with a lifetime renewability feature. This means that policyholders can renew their policies for life without any age restrictions. The policy can be renewed online or offline, and the renewal process is straightforward.

No claim bonus:

Policyholders can earn a no claim bonus if they do not make any claims during the policy year. The no claim bonus is a discount on the premium payable at the time of renewal. The discount increases with every claim-free year and can go up to a maximum of 50%.

Benefits of Star Health Insurance:

Tax benefits:

Star Health Insurance policies are eligible for tax benefits under Section 80D of the Income Tax Act. Policyholders can claim a deduction of up to Rs. 25,000 on the premium paid for a health insurance policy. The tax deduction limit is Rs. 50,000 for senior citizens.

Free health check-ups:

Star Health Insurance policies come with a free health check-up facility. The policyholder can avail of this facility once every policy year. The health check-up covers a range of tests and diagnostics, including blood tests, urine tests, and ECG.

Add-on covers:

Star Health Insurance offers a range of add-on covers that can be purchased with the base policy to enhance the coverage. Some of the popular add-on covers include critical illness cover, personal accident cover, and maternity cover.

24×7 customer support:

Star Health Insurance provides round-the-clock customer support to its policyholders. The customer support team can be reached through phone, email, or chat, and can assist with any policy-related queries or issues.

Coverage of Star Health Insurance:

Hospitalization expenses:

Star Health Insurance covers hospitalization expenses, including room rent, nursing charges, doctor fees, and medication charges. The policy covers both in-patient and out-patient hospitalization expenses.

Day care procedures:

Star Health Insurance covers a range of day care procedures, including cataract surgery, chemotherapy, dialysis, and tonsillectomy, among others. The policy covers the expenses related to these procedures, including doctor fees, medication, and diagnostic tests.

Pre and post-hospitalization expenses:

Star Health Insurance covers the pre and post-hospitalization expenses for up to 30 days and 60 days, respectively. The pre-hospitalization expenses include doctor consultation fees, diagnostic tests, and medication. The post-hospitalization expenses include follow-up visits, medication, and diagnostic tests.

Domiciliary hospitalization:

Star Health Insurance also covers the expenses related to domiciliary hospitalization, where the medical treatment is taken at home due to the non-availability of a hospital bed. The policy covers the expenses related to doctor consultation, nursing charges, medication, and diagnostic tests.


Star Health Insurance is a comprehensive health insurance provider in India that offers a range of policies to cater to different healthcare needs. The policy comes with features such as lifetime renewability, wide network of hospitals, and no claim bonus. The policy also offers a range of benefits such as tax benefits, free health check-ups, add-on covers, and 24×7 customer support.

Related Article : Star Health Agent Portal

The coverage of the policy includes hospitalization expenses, day care procedures, pre and post-hospitalization expenses, and domiciliary hospitalization. It is essential to choose a health insurance policy that meets your healthcare needs and offers adequate coverage. Star Health Insurance is one such policy that provides comprehensive coverage and benefits to its policyholders.

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How much can you claim on star health insurance?

The amount that you can claim on Star Health Insurance depends on the type of policy you have purchased and the coverage offered by the policy. In general, Star Health Insurance policies offer coverage for hospitalization expenses, day care procedures, pre and post-hospitalization expenses, and domiciliary hospitalization, among other things. The policy will have a specific sum insured, which is the maximum amount that can be claimed in case of a medical emergency.

Erric Ravi
Erric Ravihttps://www.storifynews.com
Erric Ravi is an entrepreneur, speaker & the founder of Storify News and Gurgaon Times of India He is the Co-Founder of The Storify News Times. He was born and raised in Gurgaon, India, where he developed an early interest in technology and the internet. After completing his Bachelor's degree in Information Technology from a reputed university, Erric began his career as an SEO specialist. He quickly made a name for himself in the industry by staying up-to-date with the latest SEO trends and techniques, and he soon gained a reputation as a skilled and knowledgeable expert in the field.


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