Policy review · Star Health and Allied
Star Health Premier
Star Health and Allied's individual plan, reviewed on the clauses that actually decide your claim — room rent, co-pay, sub-limits, waiting periods and the insurer's claims record.
InsuranceScope score
2.8
★★★☆☆
The verdict
Star Health Premier is an individual health insurance plan from Star Health and Allied. It stands out for no room-rent cap. On the downside, a co-payment applies to claims — worth weighing before you buy. On the insurer side, it reports 87.17% of claims settled by count and a 14,000+ cashless hospital network.
Where it wins
No room-rent cap — you can be admitted to any room category without a proportionate deduction on the rest of your bill.Standout
Cover grows by 20% for each claim-free year, up to 100% of the base sum insured.
Day-care procedures that take under 24 hours — cataract, dialysis, chemotherapy and similar — are covered.
Consumables like gloves, syringes and PPE are paid rather than deducted from your claim at discharge.
Where it stings
A co-payment applies — you pay a fixed share of every claim out of pocket; check the exact percentage in the policy wording.
Disease-wise sub-limits apply — some treatments are capped below your sum insured, so verify the caps for conditions like cataract or joint replacement.
No restoration in the base plan — once the sum insured is used up within a policy year, there is no automatic refill.
Pre-existing conditions wait 65 — longer than the best plans on the market.
Waiting periods
No cover in this window except for accidental hospitalisation.
Conditions you already have are covered only after this period.
Claims snapshot
Star Health and Allied, latest IRDAI disclosure year — how the insurer behind the plan actually performs.
Approved by number of claims.
Claims paid vs premium collected.
How quickly claims are paid.
On overall claims — lower is better.
Key features
No limit — you can pick any room category without a proportionate cut on the rest of your bill.
No separate cap on ICU charges.
Applies — you share part of each claim (true).
Applies — certain treatments are capped below the sum insured.
Not available in the base plan once the cover is used up.
Cover grows by 20% for each claim-free year, up to 100% of the base sum insured.
Pre-hospitalisation 60 days and post-hospitalisation 90 days of connected medical costs are covered.
Procedures under 24 hours, such as cataract and dialysis, are covered.
Non-medical items like gloves, syringes and PPE are paid, not deducted.
Donor hospitalisation costs are covered (No).
At-home treatment is covered when hospital admission is not possible.
Common exclusions
Typical across most Indian health plans — always confirm the exact exclusions in Star Health Premier's policy wording.
Cosmetic or aesthetic treatment, unless needed to reconstruct after an accident or burns.
Self-inflicted injuries and conditions arising from alcohol or substance abuse.
Treatment arising from war, nuclear or allied perils.
Admissions purely for investigation, evaluation or bed rest with no active treatment.
Unproven or experimental treatments not backed by established medical practice.
Frequently asked questions
Yes. Star Health Premier has a co-payment clause, so you pay a share of every claim. Check the exact percentage in the policy wording.
No. Star Health Premier has no room rent cap for standard hospitalisation, so you can choose any room without a proportionate cut.
65. Claims for conditions you already had are covered only after this waiting period.
No. Star Health Premier does not refill the sum insured once it is used up in the base plan.
Yes. Star Health Premier covers day care procedures that take under 24 hours, such as cataract surgery or dialysis.
14,000+ cashless network hospitals are reported for Star Health Premier, where the insurer settles bills directly.