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Star Health is Your Wealth Insurance - Cover All Your Family Members Under a Single Policy.
Star Health is India's first and largest standalone health insurance company. They specialize in health-specific products with an in-house claim settlement process, which means faster approvals.
11 plans available — compare coverage, premium, and key features.
India's most comprehensive standalone health plan — covers OPD, dental, and includes automatic restoration of sum insured.
Key Features
Step-by-step claim process for Star Health.
Call 1800-425-2255 (toll-free) or use the Star Health app within 24 hours of emergency admission or before planned hospitalisation.
Star Health's own TPA team processes your cashless request — no third party involved. Approval in 2–4 hours for network hospitals.
Star Health settles directly with the hospital. You pay only non-covered items at discharge.
Submit bills and discharge summary within 15 days. Star Health's in-house team processes faster than most peers — 7 working days average.
Star Health has specialized plans for diabetics, senior citizens, and people with pre-existing conditions. Their in-house claims team ensures faster processing.
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Star Health is India's first and largest standalone health insurer with an in-house claim settlement team — no third-party TPA. This means faster approvals and a more consistent claim experience.
Yes — the Star Diabetes Safe plan covers diabetes and its complications from Day 1 without any waiting period. For other plans, diabetes is covered after the standard PED waiting period.
Star Health has a claim settlement ratio of 90% as per the latest IRDAI public disclosure (FY 2025-26). While lower than HDFC ERGO (94.66%), their in-house settlement ensures faster processing.
Disclaimer: Premium amounts are indicative and may vary based on age, health, and plan selected. Claim settlement ratios are from IRDAI Annual Reports. Finzony is not an insurance broker or agent. Verify all details on the official Star Health website before purchasing.
One of the most affordable family floater plans — newborn cover from Day 16, with 100% sum insured restoration up to 3 times a year.
Key Features
Entry age up to 75 years with no pre-policy medical test required at any sum insured level.
Key Features
India's first health insurance plan specifically designed for diabetics — covers diabetes complications from Day 1.
Key Features
A standardised policy design mandated by IRDAI — carries a 5% co-payment on every claim, keeping the premium low while still covering modern treatments up to 50% of sum insured.
Key Features
Available in Silver and Gold variants — Gold adds maternity cover (₹30,000/delivery, up to 2 deliveries) after a 36-month wait. Just a 1-year waiting period for pre-existing diseases, with no co-payment at any age.
Key Features
Maternity, delivery, and newborn cover are built in by default — breast, cervical & ovarian cancer cover is available as an optional add-on for extra premium. Can be bought even during pregnancy, no medical screening needed.
Key Features
Available in Silver and Gold variants — cardiac ailments covered after just a 90-day waiting period, far shorter than most plans. Comes with a built-in personal accident cover equal to the sum insured.
Key Features
Covers cancer at any stage after a 30-month waiting period (does not cover cancer already diagnosed before purchase). Adds hospice care and an optional lump-sum payout for recurrence or a second malignancy.
Key Features
Built for the 50+ age group with no upper entry age limit. Covers OPD consultations from Day 1 — a rare benefit at this life stage — plus home care treatment and hospice care, with no room rent capping.
Key Features
A true 360-degree family plan — covers self, spouse, children, parents, AND parents-in-law under one floater (up to 9 members). Sum insured restores an unlimited number of times per policy year, no pre-medical checkup needed.
Key Features
Yes. All Star Health plans are available online at starhealth.in. You can compare plans, get a quote, and purchase in under 10 minutes.
Yes — Star Family Health Optima covers newborns from Day 16 of birth automatically under the family floater, with no additional premium for the first year.