Insurance
Health insurance will protect you and your family against any financial risks arising due to a medical emergency. Buying a proper health plan would help you in saving your hard earned savings and other assets
Any number of claims is admissible to the extent of the Sum Insured and bonus (if any) under the policy.
A Hospital, which has an agreement with us for providing Cashless treatment, is referred to as a 'Network Hospital'. Cashless facility is provided ONLY at the network hospitals. Non-network hospitals are those with whom we do not have any agreement and any policyholder seeking treatment in these hospitals will have to pay for the treatment and later claim as per reimbursement procedure.
The Network Hospital can intimation Star Health at 1800 425 2255 / 1800 102 4477 /044-28302200 and fax the Pre authorization form to Star Health at 1800 425 5522/044-28260056. The form is already available with the Hospital or they can download it from the website www.starhealth.in . Star Health doctors will scrutinize the request and send an authorization letter or regret letter.
Yes, you can register a claim online through our website, STAR Health App, or WhatsApp.
The Mediclaim Policy allows reimbursement of medical expenses incurred towards the ailment/ disease for which hospitalization was necessitated prior to hospitalization and up to a certain number of days after discharge. This is subject to the limits as described in the policy. The medical expenses incurred prior to Hospitalization are called pre- hospitalization expenses and those incurred subsequent to discharge as post Hospitalization expenses.
The request for Pre- Authorization form for planned treatment has to be signed by the customer and sent by Hospital. This request must reach Star Health at least 2 days before hospitalization. Any change in the date of hospitalization, hospital, nature of illness or surgeon who is going to perform the procedure will make the authorization invalid. A fresh authorization will have to be taken. The authorization is valid only for Network Hospitals. The authorization will be addressed and faxed to the hospital.
Yes, a request for authorization for cash less access may be rejected by Star Doctors based on various reasons. Some common reasons are. The ailment/ disease for which hospitalization is required is not covered at all by insurance policy. The person does not have insured amount left to cover the hospitalization costs. This means that cashless claim access is rejected, AND policy holder cannot come for reimbursement as well.
Cashless claim procedure for customers to be followed during hospitalization
Cashless Claim: a six step process
Approach the insurance desk at a network hospital. Intimation can be given either through contacting us at 1800 425 2255 / 1800 102 4477 or e-mail us at support@starhealth.in.
Show your Star Health ID card for identification purpose at the hospital reception.
Submit to the hospital Pre admission investigations and Doctor’s consultation papers
Network hospitals will verify your identity and submit duly filled pre - authorization form with Star Health.
Our doctors verifies all the submitted documents before processing the claim as per terms and conditions.
An assigned field doctor may visit the patient at the hospital if required.
After discharge, the hospital will send the claim documents to the company and the authorized amount will be settled directly to the hospital.
Note: Non-Payable items would be at the insured's own cost
The health insurance policy provides a health card or an identity card. It allows you to avail of cashless hospitalization under Star Health Insurance at any associated network hospital.
Yes, you can cover the entire family under one policy. Your health insurance policy is in force across India.
Yes. The scope of coverage shall be restricted to treatment taken in hospitals in India during the policy period.
Premium paid under the Health insurance Policy is exempted from Income Tax under section 80D of the Income Tax Act up to Rs.25,000 for individual covering his family and dependent Children. In case the proposer intends to cover his parents below 60 years under medical insurance, he is eligible for a deduction of another Rs.25000 under section 80D. In case the age of parent to be covered is above 60 years, the deduction available is Rs.50000 under section 80D.