Star Health Insurance List of Hospitals: Star Health Insurance has a vast network of 9,279 cashless hospitals to meet the medical needs of all its policyholders. Since Star cashless hospitals are available all over India, policyholders can easily go for cashless treatment without getting concerned about finding a good hospital at the last minute. list of hospitals under star health insurance
If you wish to avail of treatment in a cashless network hospital of Star, go ahead. On choosing a network hospital, you would be free from high hospital bill concerns as Star Health Insurance will take care of the same. Resultantly, you will be able to concentrate on the treatment better rather than worrying about completing hospital formalities.
Star Health Insurance List of Hospitals: स्टार हेल्थ इंश्योरेंस के पास अपने सभी पॉलिसीधारकों की चिकित्सा जरूरतों को पूरा करने के लिए 9,279 कैशलेस अस्पतालों का एक विशाल नेटवर्क है। चूंकि स्टार कैशलेस अस्पताल पूरे भारत में उपलब्ध हैं, इसलिए पॉलिसीधारक अंतिम समय में एक अच्छा अस्पताल खोजने की चिंता किए बिना आसानी से कैशलेस इलाज के लिए जा सकते हैं।
यदि आप स्टार के कैशलेस नेटवर्क अस्पताल में इलाज का लाभ उठाना चाहते हैं, तो आगे बढ़ें। एक नेटवर्क अस्पताल चुनने पर, आप उच्च अस्पताल बिल संबंधी चिंताओं से मुक्त होंगे क्योंकि स्टार हेल्थ इंश्योरेंस उसी का ध्यान रखेगा। नतीजतन, आप अस्पताल की औपचारिकताओं को पूरा करने की चिंता करने के बजाय इलाज पर बेहतर ध्यान केंद्रित कर पाएंगे। list of hospitals covered under star health insurance in hyderabad
Star Health Insurance Network Hospital List
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Health insurance is a valid contract between an insurance company (insurer) and the policyholder (insured) enforceable in a court of law. An amount of protection towards treatment expenses is payable for illness or accident in the Hospital / Day care centre to the insured by the insurer. These treatment expenses can be claimed either by a cashless facility or reimbursement process.
List of information and advantages of being with Star Health
- Protection for – Individuals / Families on Floater Basis
- Sum Insured (INR) – up to 2 crores
- Innovative Products – Customer-Centric Policies
- Hassle-Free Claims – 90% in less than 2 hours
- Cashless Facility – 12000+ Network Hospitals
- In-house Claim Settlement – On all 365 days by Qualified Doctors
- Digital Platform – Highly sophisticated website
- Pre-insurance Medical Screening – Not Mandatory in most of our Policies
Benefits of Star Health Insurance
Buying health insurance plans offered by Star Health and Allied Insurance Company has its own benefits. The insurer has more than 300 branches in India, an excellent Claim Settlement Ratio as well as a satisfactory Incurred Claim Ratio. Coming to health insurance plans, the insurer has a variety of them to offer that fulfil varied requirements of different sections of society. These include individual health insurance plans, family floater health insurance plans, senior citizen health insurance plans, critical illness health insurance plans, disease-specific health insurance plans, personal accident plans, etc. The insurer offers a smooth claim settlement process which makes it easy for the insured to avail of services under the policy. Ever since its inception, the company has made its presence felt and has emerged as a reputed name in the general insurance segment.
Star Health and Allied Insurance Company have won a variety of awards proving it to be one of India’s premier health insurance companies. In 2017, it won the WHO Award of Excellence. And in the year 2018-19, it won the Best Insurance Provider of the Year at the Money Today Financial Awards 2018-19. The company’s branches are spread across the country at more than 450 locations, enabling individuals to access it easily.
In terms of health insurance products, Star Health offers a range of health insurance plans which are both innovative and unique in their benefit structure. While the coverage under the plans is comprehensive, premiums are affordable to suit every individual’s pockets.
Additional Benefit of Free Health Checkup
All health insurance plans offered by Star Health provide the benefit of free health check-ups to the insured members. This benefit helps individuals track their health and improve it if required.
Additional Protection over Employer Coverage
If you are covered under a group health insurance plan provided by your employer, you can enhance the coverage benefits of your existing plan as well the sum insured by opting for individual health insurance plans from Star Health. Health plans offered by the company help supplement an existing employer-sponsored group health plan.
When you have a cashless claim, you do not have to pay for your medical bills because the insurance company pays them directly to the networked hospital. This reduces your financial burden and so Star Health has tied up with more than 9,800 hospitals in India to offer you cashless coverage. Moreover, the company has an in-house claim settlement department that eliminates the hassles of getting the claim settled through TPAs.
Claim Settlement Ratio
The company has a high claim settlement ratio. In FY 2018-2019, it was 78.52%, and in FY 2019-2020, it was 78.62%. Note that the claim settlement ratio changes from time to time.
Coverage against Medical Expenses
The health insurance plans cover almost all kinds of medical bills. Pre-hospitalization, post-hospitalization, inpatient hospitalisation, ambulance fees, daycare treatments, etc are all covered.
Moreover, many plans also provide coverage for maternity-related benefits, sum insured restoration, organ donor expenses, domiciliary treatments, etc. making the scope of coverage of Star Health’s plans comprehensive. list of hospitals under star health insurance in Kolkata
Incurred Claim Ratio
The Incurred Claim Ratio (ICR) of the company in the financial year 2019-20 was 65.91%. Note that the Incurred Claim Ratio changes from time to time.
Premium paid for the health plans of Star Health allow you to claim tax deductions under Section 80D of the Income Tax Act, 1961 for up to Rs. 55,000.
FAQs on Star Health Insurance List of Hospitals
What is not covered in Star Health Insurance?
Health Insurance covers all diagnostic tests like X-rays, MRI, blood tests etc as long they are associated with the patient’s stay in the hospital for at least 24 hours. Any diagnostic tests which do not lead to a treatment or which have been prescribed as Outpatient are generally not covered.
Which health insurance has the highest hospital network?
At present, Care Health Insurance Limited comes with more than 16,500 network hospitals across India, which is the maximum number of network hospitals offered by any health insurance provider in India
Are medicines covered by Star Health Insurance?
These expenses include room rent (Private Single A/C room), nursing and boarding charges, Surgeon, Anesthetist, Medical Practitioner, Consultants, Specialist fees, and Cost of Medicines and Drugs. Road Ambulance charges for emergency transportation to the hospital as per specified limits.
Is surgery covered by Star Health Insurance?
The surgery can cost anywhere between Rs. 50,000 and 1 lakh and is covered by several Star health insurance plans including Star Family Health Optima Insurance Plan, Star Comprehensive Insurance Policy, and Star Super Surplus (Floater) Insurance Policy.
Does star health insurance cover death?
Accidental Death or Permanent Total Disablement (PTD) of the Insured Person within 12 Calendar months from the date of Accident, then the Company will pay as compensation, 100% of the Sum Insured opted.
What is the Star Health Insurance bonus?
The bonus comes in the form of an increased sum insured. Star Health Insurance can raise the basic sum insured by as much as 100%. For a claim-free year, a 25% bonus of the basic sum insured in the second year is allowed. Also, an extra 10% for subsequent years may be allowed.
What is the grace period for Star Health Insurance?
Star Health Insurance offers a grace period of 30 days. This way policyholders can make the renewal payment even after the due date. The grace period helps policyholders to enjoy complete benefits and coverage offered under the health insurance even during the grace period.
Is pregnancy covered in Star Health?
Yes, of course. The Comprehensive Insurance Policy and Young Star Health Insurance policies provide benefits to cover the second child’s birth. Maternity-related benefits are available for two deliveries during the lifetime under this policy. list of hospitals attached with star health insurance