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India's Largest Standalone Health Insurer
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.
4 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
One of the most affordable family floater plans with newborn cover from Day 16 and 10% auto recharge of sum insured.
Entry age up to 75 years with no pre-policy medical test required up to ₹10L sum insured.
India's first health insurance plan specifically designed for diabetics — covers diabetes complications from Day 1.
Step-by-step claim process for Star Health Insurance.
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 90.2% as per IRDAI Annual Reports. While lower than HDFC ERGO, their in-house settlement ensures faster processing.
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.
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 Insurance website before purchasing.
Key Features
Key Features
Key Features