TOLL FREE NUMBER- 1800 425 2255/1800 102 4477

1800 425 2255/1800 102 4477

What is the Cashless claim procedure?

Planned
When the member of the covered family is aware of the hospitalisation in advance.

In case of planned hospitalisation:

  • Please contact the toll-free help line: 1800 425 2255
  • Fax the Pre-Authorization form duly filled from the hospital at the below numbers
  • Toll-free: 1800 425 5522
  • Non Toll-free: 044 28302200
  • Please carry your ID card and policy schedule.

Emergency:

When the Insured meets with an accident or suffers from bout of illness that requires immediate admission to the hospital.

  • After the patient is rushed to the hospital and avails treatment.
  • Family to contact the toll free help line - 1800 425 2255 and Fax the Pre-Authorization form duly filled from the hospital at the below numbers within 24 hours of admission.
  • Toll-free:1800 425 5522
  • Non Toll-free: 044 28302200

What is a Reimbursement Claim?

When the Insured gives prior intimation about the treatment and the insured pays the expenses himself with the hospital and then claims for a reimbursement of those expenses.

What are the documents required for filing a reimbursement claim?

The following are the basic documents required for filing a claim:

  • Duly completed claim form (Intimation to toll-free number is mandatory before the form is filled).
  • Original bills, receipts and discharge certificate/ card from the hospital.
  • Original bills from chemists supported by proper prescription.
  • Receipt and investigation test reports from a pathologist supported by the note from attending medical practitioner/ surgeon prescribing the test.
  • Nature of operation performed and surgeon's bill and receipt.
  • Self-declaration/MLC/FIR in case of accident cases.
  • Treating doctor's certificate.
  • If less than 15, BED to provide hospital registration certificate.

What do I do if my card is lost?

Kindly contact our toll free helpline number 1800 425 2255 or Email us at support@starhealth.in immediately.

Claims Process

Cashless Claims:

  • Approach the insurance desk of hospital.
  • Show the ID card for identification purpose.
  • Network hospital would verify your identity and submit pre authorization form to us.
  • Our doctor will assess the documents and process the claim as per terms and conditions of the policy.
  • We will also assign a field doctor to make the hospitalisation simple for you.
  • We settle the claim as per policy terms & conditions with the hospital after completion of all formalities.

 Reimbursement Claim Process:

  • We will assign a field doctor to make the hospitalisation simple for you.
  • Upon discharge, pay all hospital bills and collect all original documents of treatment undergone and expenses incurred.
  • Claim form has to be filled in and along with, all the relevant original documents have to be submitted at the nearest star office.
  • We settle the claim in subject to policy terms and conditions.

What is an accident?

  • An unforeseen and an unexpected event
  • A physical event caused by external violent and visible means. It is covered whilst on land, aircraft or sea
  • Accident is covered all over the world.

Different types accident care policies

  • Accident care insurance
  • Student care - school and college
  • Accident trauma care
  • Pravasi Bhīma Yojana policy
  • Accident Claim intimation
    • Claim intimation through call centre/ mail/ letter/ documents (hospital claims/death claims/pravasi claims)
    • Insured details
      • Name of the insured
      • Date of accident
      • Nature of accident
      • Hospital name

Admission date

Admissibility of claim under personal accident policy

  • Accidental death
  • Permanent total disability
  • Permanent partial disability
  • Temporary total disability
  • Weekly benefit
  • Hospitalization benefits
  • Educational grant for two children under the age of 18 years of the deceased insured person.
  • Transportation expenses of the mortal remains.

Student care what is covered

  • Accidental death
  • Permanent total disability
  • Hospitalization benefits
  • Education grant

Pravasi Bhīma Yojana policy

  • Policy issued for employees working on contract abroad
  • Policy period: 2years
  • Accidental death
  • Permanent total disability
  • Hospitalisation benefits for family member of the deceased insured
  • Repatriation expenses in the event of employment contingency
  • Maternity cover for the insured person
  • One way economic airfare
  • Trauma Care
    • Section I:
      • Accidental death
      • Accidental permanent disability
    • Section II:

Hospitalisation within India due to grievous injury arising out accident in work place is covered for payment of additional premium

Documents needed for death claim

•    Duly completed claim form
•    Death certificate from government authorities
•    First information report/medico legal case
•    Post-Mortem report
•    Panchanama
•    Police inquest report / coroner's report
•    Original policy copy
•    Legal heir certificate / succession certificate/will duly probated where there is no assignee under the      policy
•    Viscera report
•    Death Summary

 

Documents needed for disablement

  •    Duly completed claim form & disability certificate
  •    Photo of the amputated site
  •    Certificate from the treating doctor for the percentage and the period of disability based on the location of    the amputated part from orthopedic surgeon
  •    Field visit report
  •    Employee certificate (leave certificate) for the disability period

 

Cashless Claims Process - Steps involved

1. Approach the Insurance desk of Hospital

2. Show the ID card for identification purpose

3. Network Hospital would verify your identity and submit pre authorization form to us

4. Our Doctor will assess the documents and process the claim as per terms and conditions of the policy.

5. We will also assign a Field doctor to make the hospitalization simple for you

6. We settle the claim as per policy terms & conditions with the hospital after completion of all formalities

Reimbursement Claims Process - Steps involved

1. We will assign a Field doctor to make the hospitalization simple for you

2. Upon discharge, pay all hospital bills and collect all original documents of treatment undergone and expenses incurred.

3. Claim form has to be filled in and along with, all the relevant original documents have to be submitted at the Nearest Star office.

4. We settle the claim in subject to policy terms and conditions.

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