Cashless Health Insurance
Why Choose Star Health Insurance?
<p>As a Health Insurance specialist, we extend our services from offering tailor-made products to fast in-house claim settlements. With our growing network of hospitals, we ensure easy access to fulfill your medical needs.</p>
Star Advantages
Wellness Program
Take part in our wellness programs and earn rewards for staying healthy. Redeem those rewards to avail renewal discounts.
Diagnostic Centres
Get access to 1,635 diagnostic centres across India with home pickup of lab samples and health checkup at doorstep.
E-Pharmacy
Order medicines online at a discounted price. Home delivery and Store pick-ups are available across 2780 cities.
Claims
24*7 Customer Service
Call us at 1800-425-2255 for claim intimation, telehealth services and to clear your queries.
In-house Claim Settlement
We’re the first Standalone Health Insurance company to settle the claims without any TPA but with qualified in-house team.
Claim Settlement
90% of our claims are settled under cashless within 2hrs and 92% of claims are settled under reimbursement within 7days.
Hospitals
We got you covered under our valuable service providers, agreed network and network hospitals for quality treatment.
Awards
We’ve been awarded for innovative product, best claim settlement and service provider from reputed survey organisations.
Hospitals
Network Hospitals
Hospitals in agreement with Star Health provide seamless cashless facilities. Approval process is quick and comfortable.
Agreed Network Hospitals
Hospitals that have agreed with Star Health to provide cost-effective package rates for surgical and medical procedures.
Valuable Service Providers
These hospitals are identified by Star Health and have been specially recognised for their efforts, services and quality.
Non-Network Hospitals
For getting treatments in non-network hospitals(not in agreement with Star Health), you can avail reimbursement claims.
Excluded Providers
Hospitals, where claims are not admissible. But life-threatening situation/accident expenses are covered up to stabilisation.
Star Advantages
Claims
Hospitals
Cashless Health Insurance
A medical emergency can seriously affect your finances. In addition to the emotional pain, you may have to fork out your savings for hospitalisation and medical care expenses. This is where the Health Insurance plan will come to your rescue during a medical emergency and comes in handy.
What is cashless Health Insurance?
Cashless health insurance plans for family eliminates the need to pay cash at the hospital when you or your family member is hospitalised, and the claim is admissible/payable as per the policy terms. The Insurance company takes the onus to ease your burden of hospital bills and ensures the payment directly to the hospital.
How does Cashless Health Insurance work?
Mr Raj having a Health insurance policy, met with an accident and was admitted in a network hospital for the treatment of an accidental injury. Upon hospitalisation, he shares the policy details and valid ID proof with the Insurance desk in the hospital to avail Cashless facility. On the admissibility of the claim and approval given to the hospital, Mr Raj leaves the hospital peacefully without the burden of paying the hospital bill.
Network Hospitals
Network Hospitals are the major aspect of a cashless Insurance Policy. Insurance companies have a direct network with a particular set of hospitals. The policyholder is not eligible for cashless hospitalisation for that specific treatment if they receive medical care at a hospital that is not included in the list of Network Hospitals.
Hospitals empanelled with the Insurance company are called Network hospitals, and the insured can avail cashless facility for inpatient hospitalisation.
Ways to avail a cashless Health Insurance Policy
On submission of the valid policy copy and ID proof to the Insurance desk, the hospital will provide further information and the treatment details in the Pre-authorisation form and send the same to the Insurance for processing cashless.
1. Planned Hospitalisation
When the Insured has been advised for Surgery which is planned for a future date, the insured can go to the Network Hospital and share the policy details and the necessary documents with the Insurance desk. The hospital will further send the documents along with the duly filled Pre-authorisation form to the Insurance company, and cashless approval will be authorised subject to the claim is admissible, and the approval is valid for 7 days from the date of approval.
2. Emergency Hospitalisation
When the Insured person is admitted for any unforeseen or unexpected illness in the Network Hospital and shares the policy details and the necessary documents with the Insurance desk. The hospital will further send the documents along with a duly filled Pre-authorisation form to the Insurance Company, and cashless approval will be authorised subject to the claim is admissible.
Be aware of exclusions
All the Health Insurance policies are subject to waiting periods for specified diseases / Conditions, for 1 year / 2 years, of pre-existing illnesses 48 months, 36 Months, 24 Months,12 Months and 6 months according to the policy opted by the Insured. Pre and Post-hospitalisation expenses are covered for specific days as stated in the policy.
Conclusion
Star Health Insurance has a huge network of 14,000+ hospitals across India. When you buy a Health Plan from Star Health Insurance company, you can avail cashless facility for admission in any network hospital across India. More than 90% of cashless claims are approved in less than 2 hours.
Enjoy peace of mind with health insurance cashless everywhere, ensuring coverage no matter where you are.
OUR CUSTOMERS
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My friend told me to buy health insurance from Star Health Insurance. That helped me during my son’s illness. Their cashless treatment facility was very helpful at the time. I truly appreciate their service and support.
Tiji K Oommen
Thiruvananthapuram
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https://web1.starhealth.in/customerportal/instant-buy
I have been with Star Health Insurance for the past 8 years, and have applied for two claims in that time. Both claims got settled, and I received good support from the company during my hospitalisation.
Vanishree
Bengaluru
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My family has been with Star Health Insurance since 2006. Our claim, which we applied during last month, was handled without any hassle. We are happy that we are part of such service providers.
Ramachandran
Chennai
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Star Health Insurance helped me a lot when I was in need. I was covered under Star’s Comprehensive policy, which provided me cashless treatment at their network hospital during my Angioplasty surgery.
Shaila Ganachari
Mumbai
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I have been using Mediclaim services for the last 7-8 years. I had tried other companies. But, I satisfied with the service Star Health Insurance has provided me, they also have friendly support personnel.
Sudhir Bhaiji
Indore
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