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Star Health Insurance Claim Settlement

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Cashless Approval TAT90% Cashless claim settlement within 2 hrs
Claim Settlement Ratio89.90%
Network Hospitals14,000+
Pre-existing Disease Waiting Period1 year
Special BenefitsNo Extra Premium for Disease Coverage
Starting Premium for Rs. 5 lakhs SIRs. 410/month

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Claim Settlement of Star Health Insurance

Star Health makes sure a customer-friendly insurance claim process. It strives for making all settlements on time. The company has a dedicated claim settlement team that ensures that the claim settlement process remains simple and transparent, minimizing customer efforts. The first stand-alone health insurance company in India, Star Health lets you raise claims in two scenarios: cashless hospitalisation and reimbursement process.

  • Claim Process for Cashless Treatment

    A cashless claim can be availed only at network hospitals of Star Health. Star Health has a wide base of around 9,300+ network hospitals. The steps for the cashless claim process are as follows:

    • First of all, find a Star Health network hospital in a city where you want to get cashless treatment.
    • Intimate Star Health within 24 hours in emergency hospitalis
    • ation and 48 hours before admission in case of planned hospitalisation.
    • While visiting a network hospital, carry your Star Health ID card and one photo ID proof.
    • Fill the pre-authorization request form available at the hospital and submit it to the hospital.
    • After your identity is checked, the network hospital sends the pre-authorization request form to Star Health.
    • Once the insurer reviews the documents, it sends an approval letter to the hospital.
    • Thus, you will be able to proceed with the cashless treatment at the hospital.
    • If a cashless claim denied, then the insured can file for a reimbursement claim after discharge.

    How to Check Star Health Insurance Policy Claim Status

    The policyholder can check their claim status either online or offline. Given below are the steps:

    Online Process

    In case a policyholder has recently submitted a claim request for their policy, then they can check the status of their claim by visiting Star Health Insurance official website and choosing the ‘Claim Status’ tab.
    Then, on the page enter details such as Intimation number, ID card number. Click on ‘Get Claim Status’.

    Offline Process

    In case a policyholder is not able to check it online, they can contact claims helpdesk number on 1800 425 2255 (Toll Free Number) or they can also visit the nearest branch of Star Health Insurance company and ask the customer representative. Representatives will ask for the intimation number and ID card number. Once the policyholder has submitted the same, their claim status will be shared with them in a few minutes.

  • Reimbursement Treatment

    Reimbursement claim can be filed in both network and non-network hospitals. The steps for the reimbursement process is as follows:

    • Intimate Star Health within 24 hours of hospitalisation.
    • A field doctor is assigned by Star Health to make hospitalisation easier.
    • At the time of discharge, settle all hospital bills and collect all original documents such as discharge reports, prescription copies, medical bills, hospital bills, etc.
    • Submit duly-filled reimbursement claim form along with all the original medical documents at the nearest Star Health office within 30 days after getting discharged.
    • Upon successful verification and approval, the claim amount is credited to the insured member’s account.
  • Documents Needed

    ​Here is a list of documents required for filing a reimbursement claim.

    • ​Original investigation reports
    • Final hospital discharge summary
    • FIR or post-mortem report if happened
    • Pharmacy bills along with the prescription
    • Original bills, receipts, and discharge report
    • Indoor case papers and duly-filled claim form
    • Original hospital bills and a valid photo ID proof
    • Treating doctor's report, and original consultation notes
    • Nature of operation performed and surgeon's bill and receipt
    • Test reports along with attending doctor’s or surgeon’s report

    For any claim-related queries, you can call on the toll-free number of InsuranceDekho 755-119-6989.

  • Incurred Claim Ratio (ICR) of Star Health Insurance

    The Incurred Claim Ratio (ICR) of Star Health is a strong indicator of its overall good performance and gives people an overview as to what they can expect. The Incurred Claim Ratio for Star Health Insurance for the FY 2018-19 is 63%. It clearly indicates that Star Health is making profits and is in a position to clear claims without having to overburden their finances. 

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Star Health Insurance User Reviews

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  • The resources on InsuranceDekho's website provide valuable insights into health insurance, helping me make inf...

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    By Paresh Pahwa
    On: Oct 30, 2023
  • It is good to know what you are entering into. InsuranceDekho has immense resources. Their online tools, infor...

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    By Namita Batla
    On: Oct 26, 2023
  • InsuranceDekho's Star Health Insurance Policy has been a true lifesaver for my family. Its comprehensive cover...

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    On: Oct 18, 2023
  • One of the standout features of InsuranceDeko's Star Health Insurance Policy is its commitment to promoting we...

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    By Lopa Bhatt
    On: Oct 16, 2023
  • I consider InsuranceDeko a trustworthy partner in my healthcare journey. They have consistently delivered on t...

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    On: Oct 11, 2023
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Star Health Insurance Contact Details

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Claim Process at Star Health Insurance

  • Network Hospital
  • Non-Network Hospital
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 48 hours prior to admission.
  • 3

    Claim Processing

    Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
  • 4

    Claim Settlement

    Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 48 hours prior to admission.
  • 3

    Claim Processing

    Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
  • 4

    Claim Settlement

    Once your request for reimbursement of expenses is approved, the claim will be settled.

2658 Star Cashless Network Hospitals in India

Best Insurance Advisors in Your City.

Star Health Insurance Claim Settlement FAQs

  • What is the process for cashless claim settlement in Star Health?

    Follow the steps given below to make a cashless claim in Star Health Insurance Policies:

    • Visit the hospital desk.
    • Show your ID for verification.
    • The hospital will verify your identity and deliver pre-authorization form to the insurer.
    • Doctor will process the claim according to the policy terms and conditions after assessing your documents.
    • Star Health will also assign a field doctor so keep the hospitalisation process at ease for you.
    • The claim is settled with the hospital once all the formalities are completed.  
  • What is the process for reimbursement clam in Star Health?

    • You are assigned a field doctor who makes the hospitalisation process easy for you.
    • Pay all the hospital bills at the time of discharge.
    • Collect all the documents of the treatment and expenses incurred.
    • Submit the duly filled claim form and the original documents at the Star Office.
    • The claim will be settled according to the terms and conditions of the policy.
  • What are the documents required to make a claim?

    Following documents are essential to make a claim:

    • Completed claim form.
    • Original receipts, bills and discharge certificate or card from the hospital.
    • Original bills from the Pharmacy.
    • Certificate of the treating doctor.
    • Hospital registration certificate in case of less that 15 beds.
    • FIR/self declaration/MLC in case of accident cases.
    • Nature of operation and bill and receipt of the Surgeon. 
  • I have lost my card. What should I do to make a claim?

    Kindly inform Star Health by contacting them on the toll free number-1800 425 2255 or drop an e-mail to them.


  • How to calculate the Claim Settlement Ratio (CSR) of Star health Insurance?

    CSR or Claim Settlement Ratio is an important factor to determine the credibility of a health insurance company. The Claim Settlement Ratio of Star Health Insurance is calculated by dividing the total number of claims received by the company during a financial year by the total number of claims settled by it during that period. 

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