How to Claim Star Health Insurance For Pregnancy?
Pregnancy is a special journey, and having the right health insurance can ease financial stress during this time. Star Health Insurance offers maternity benefits that cover delivery expenses, pre- and post-natal care, and newborn coverage under specific plans.
To ensure a hassle-free claim process, you can opt for a cashless claim at network hospitals or reimbursement for treatment at non-network hospitals.
Claiming Process of Pregnancy Insurance from Star Health
If you are covered under a Star Health Insurance maternity plan, here is how you can claim the benefits:
Steps For Cashless Claim (at Network Hospitals)
1.Check Network Hospitals: Visit the Star Health website or use the Customer App to find a nearby network hospital.
2.Inform Star Health: Notify the insurer at least 48 hours before planned hospitalisation or within 24 hours in case of emergency hospitalisation.
3.Submit Pre-Authorisation Request: The hospital will send a pre-authorisation request to Star Health for approval.
4.Approval Process: Star Health reviews the request and confirms the cashless facility based on policy terms.
5.Hospitalisation & Treatment: Once approved, you can undergo delivery without paying upfront, except for non-covered expenses.
For Reimbursement Claim (at Non-Network Hospitals)
1.Get Admitted & Pay Bills: If treated at a non-network hospital, pay the bills directly to the hospital.
2.Collect Necessary Documents: Obtain original bills, discharge summaries, medical reports, and prescriptions from the hospital.
3.Submit Claim Documents: Send the complete set of original documents to the nearest Star Health office, upload them via the Customer Portal or App, and mail the originals via post/courier.
4.Processing & Settlement: The insurer will verify and process the claim as per policy terms.
Important Points to Remember When Claiming Star Health Insurance for Pregnancy
Before making a maternity claim under Star Health Insurance, it is essential to understand the key terms and conditions to avoid any last-minute surprises.
1. Waiting Period for Maternity Coverage
Maternity benefits are available only after the waiting period, which typically ranges from 9 months to 2 years, depending on the policy. Claims made before completing this period will not be covered.
2. Covered Expenses
Most Star Health maternity plans cover the following expenses:
●Normal & C-section delivery expenses
●Pre & post-natal care, including medical checkups and treatments
●Newborn baby coverage for a specified period (if included in the plan)
●Vaccination expenses for the newborn (under specific plans)
3. KYC Compliance for Claim Processing
As per regulatory requirements, policyholders must provide a CKYC (Central Know Your Customer) number or KYC documents (Aadhaar, PAN, or other valid ID proof) along with the claim documents to avoid delays.
4. Exclusions & Limitations
Treatment at excluded hospitals is generally not covered unless it is an emergency. Also, non-medical expenses and complications arising from pre-existing conditions may not be covered.
Star Health Insurance ensures a smooth and stress-free maternity claim process, whether through cashless hospitalisation at network hospitals or getting reimbursed at non-network hospitals.
So, learn about the waiting period, coverage details, and KYC requirements to get a hassle-free experience. For assistance, contact Star Health’s helpline or visit their official website.
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This FAQ page contains information for general purpose only and has no medical or legal advice. For any personalized advice, do refer company's policy documents or consult a licensed health insurance agent. T & C apply.