Star Health mediclaim insurance in India has amongst the largest network of 9900+ hospitals across India and this number has been growing steadily over past few years. Hence it is important while seeking treatment following a sickness or an accident to ideally get admitted to a network hospital. One can get the hospital closest to them by going through the Star network hospital list
Yes, Star Health mediclaim insurance offers Cashless treatment for inpatient hospitalization of the insured. The important criteria to avail of the cashless facility is to seek admission into one of Star’s network hospitals across the country. Subject to the claim being admissible under the policy, Star will offer cashless settlement upto the policy limits of the insured’s policy.
Under their most comprehensive health insurance plan, the sum insured options range from ₹1 lacs to ₹100 lacs (1 cr).
Star health insurance will protect you and your family against any financial risks arising due to a medical emergency. Buying a proper health plan in India would help you in saving your hard earned savings and other assets.
Star Health Insurance would be sending you a renewal notice informing you of the expiry of your health policy via courier. However the Company is under no obligation to send renewal notice and its absence thereof shall not tantamount to deficiency in services. Hence Customer has the prime responsibility to renew his policy on time. You may reach the customer support team at EIndia.
This is one single health insurance policy that takes care of the hospitalization expenses of your entire family. India’s best Family Floater Health Plan from Star health takes care of all the medical expenses during sudden illness, surgeries and accidents. It is recommended to have a family floater for the younger family members, while insuring the senior family members under individual plans.
Star Health Insurance covers all diagnostic test like X- ray, MRI, blood tests etc as long they are associated with the patients stay in the hospital for at least 24 hours. Any diagnostic tests which does not lead to treatment or which have been prescribed as Outpatient are generally not covered.
Star Criticare Plus Insurance provides for both hospitalization benefits under section 1 and lump sum compensation in case of diagnosis of any major critical illness as specified in the policy under section 2. In case of diagnosis of any one of the major illness as specified in the policy, the lump sum compensation is 100% of the sum insured. Acceptance of the policy is subject to pre medical screening and all other terms and conditions apply.
The Network Hospital can intimate Star Health at 1800 425 2255 / 1800 102 4477 /044-28302200 and fax the Pre authorization form to Star Health at 1800 425 5522/044-28260056. The form is already available with the Hospital or they can download it from the website www.starhealth.in. Star Health doctors will scrutinize the request and send an authorization letter or regret letter.
Some of the key reasons for investing in a Star Health insurance policy are:
There is no upper limit on the number of claims during the Star health insurance policy period. However, the total cumulative claim amount cannot exceed the Policy Sum Insured.
In the case of reimbursement claims, Star Health Insurance takes 15 days after receiving the required documents from the insured to process a health insurance claim. For Cashless claims, 90% of their authorizations happen in less than 2 hours.
In a cashless claim/hospitalisation, the insured/hospital intimates us regarding the hospitalization and submits a pre-authorization request. On authorization, the claim is directly settled with the network hospital and the insured is not required to pay any charges except for expenses not covered under the policy. Cashless facility can only be availed at a Star Health Insurance network hospital.
Yes, a request for authorization for cash less access may be rejected by Star Doctors based on various reasons like:
A health card is a card that comes along with the Health Policy. It is similar to an Identity card. This card would entitle you to avail cashless hospitalization facility at any of our network hospitals. A health card mentions the contact details and the contact numbers of the TPA. In case of a medical emergency, you can call on these numbers for queries, clarifications and for seeking any kind of assistance. Moreover, you need to display your health card at the time of admission into the hospital.
At the time of issuance of medical policy, Star Health Insurance would conduct pre medical tests
|Sl No.||Product AGE SI/Plan|
|1||Medi-classic-Individual Above 50 Years All SI|
|2||Family Health Optima Above 50 Years 3 L|
|3||Star Comprehensive Insurance Policy NO MEDICAL TEST|
|4||Senior Citizens Red Carpet Health Insurance NO MEDICAL TEST|
|5||Star Cardiac Care NO MEDICAL TEST|
|6||Diabetes Safe Insurance Policy Plan A ALL AGE PLAN A|
|7||Diabetes Safe Insurance Policy Plan B NO MEDICAL TEST|
Yes. The scope of Star health insurance coverage shall be restricted to treatment taken in hospitals in India during the policy period.
Yes. You can take any individual policy with us in which the existing condition of diabetes would be excluded. At the same time, you can cover yourself with a Diabetes Safe India health insurance policy which covers the complications arising due to Diabetic Retinopathy, Diabetic Nephropathy and Diabetic Foot Ulcer. However this policy requires a pre medical screening even if the proposer is less than 50 yrs. of age.
Factors for medical insurance in India, How much is the premium and the coverage offered by India health insurance plans..Read more