How to File a Claim with Star Health & Allied Insurance?

The litmus test for any insurance health insurance company is when you make a claim for hospitalisation or other medical expenses covered under your insurance policy. 

The claim procedure should be hassle free and settlement must be within a reasonable time or as per the terms of the policy. Nothing is more frustrating for a policy holder than for him to run from pillar to post trying to settle a claim after the trauma of an illness and stay in a hospital.

Apart from looking at the amenities and other terms and conditions, it is also important to know how easy it is to deal with the claims departments and fast they clear your claims. Preferably, every insurance company must have a well trained and cooperative customer service support that guides you prior to hospitalisation or within a couple of days. It is their responsibility to guide you on the procedures required, documents required which have to be produced while making a claim.

Star Health Insurance Prompt Claims Disposal

Customer Centric Service is one of the main tenets in the Star Insurance’s Citizens Charter. In the past few years they have carved out a name for themselves not only for honestly dealing with all policy holder grievances but also clearing all claims in record time.

Star Insurance has a track record of settlement in the shortest time. They have cleared 87% of cashless claims within two hours from discharge. They have settled a total of 3,78,710 claims amounting to ₹ 1,378 Crores for the financial year 2016/ 2017.

Star Heath Claims Support is a customer friendly and hassle free process. They ensure that all settlements are made in a timely and just manner. The key components of their service are courtesy, speed, attention and the drive to work hard to meet and exceed customer expectations.

Contacting and Intimating Star Health Insurance

The policy holder or someone known to the patient must Intimate Star Insurance Company within 24 hours from the illness or accident.  This can be done by contacting their toll free number 1 800 425 2255 or the nearest Star Health Mediclaim office. Please keep the policy number and Star Health card number handy while making the call.

Types of Claims 

Star Health has two types of claims viz. Cashless Claims and Reimbursable claims:

Cashless Claims are made when the policy maker is treated in one the insurance company’s network hospital. Identify yourself as a policy holder with your Star Health ID card at the hospital admissions reception. The hospital will ask Star Health for authorisation after which you will be admitted for treatment and all expenses related to this hospitalisation will be borne by Star Insurance. In this case, the following documents must be handed over to Star Insurance;

            Copy of Health Card issued by Star Health

            Claim Form duly filled with all details

            Medical case papers issued by treating doctor

            Investigative reports (X-ray, blood analysis, MRI etc)

            Pharmacy bills supported by doctors’ prescription

            FIR or MLC (Medico Legal Certificate) in the case of accident

            Discharge Summary

            Other papers pertaining to your treatment

Reimbursement Claims are made when the policy holder is treated in a hospital not listed in the Company’s network of hospitals. You need to follow the procedure as detailed below:

Information regarding your illness must be intimated to the customer support   (toll free number)

Complete the form (can be downloaded from the company website) and

Include the following ORIGINAL documents:

          original bills, receipts and discharge card from the hospital

          Bills from pharmacist with the supporting prescription from the doctor

          Receipts of tests done during the period of illness

          Investigation test reports along with the requisition note from the  

          medical practitioner or surgeon prescribing the test(s).

          Details of surgery and surgeons bill and receipt

          Certificate from treating Doctor

          Self declaration or FIR in case of an accident

          Health registration certificate, if the hospital has less than 15 beds.

How to Claim Reimbursement

The claiming process is fairly simple and straight forward. After you have paid the bills of all expenses incurred, you will fill the claims form and send it to the closest Star office combined with all the documents mentioned above. Your entitlement will be cleared within the shortest possible time as per the policy terms and conditions.

Related : Claim Procedure for Star Health Insurance

Some Points to Remember While Making a Claim

If the form is incomplete, the authorisation request can be cancelled.

Non Reimbursable items will be borne by the insured

All claims must be submitted no later than 30 days from the date of discharge

Post hospitalisation claims have to be submitted within 30 days from discharge. 

          

About Star Health Insurance

Star Health and Allied Insurance is the first standalone insurance company covering personal accident, mediclaim and overseas travel insurance. It is headquartered in Chennai and was launched in 2006.

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Star Health Insurance - Know your Claim Status

When one considers buying a health insurance plan there are a number of things that one needs to take into consideration. For instance, one should look up the claim settlement ratio and how to check insurance claim status, like Star Health Insurance Star Health Insurance claim status.

The hallmark of a good health insurance plan is that the claim process is simple, streamlined, and quick. This article explains everything that one should know about Star Health Insurance claim status.

About Star Health Insurance 

Star Health Insurance is an extensive network of hospitals with over 5,400 hospitals. For this reason, this insurance provider is able to provide seamless service to claimants and ensures that policyholders do not face any inconvenience related to settling bills.

Types of Claims 

Star Health Insurance provides two types of claims that include cashless treatment and reimbursement. Each of the two options has been discussed in the following sections. 

Cashless Treatment 

Policyholders can avail cashless treatment under the Star Health Insurance plan. When the bill is generated then it must be send across to the insurance company and the policyholder need not pay for anything.

What is the Process of Filing a Claim for Cashless Treatment?

The next question that will arise in one’s mind is how a policyholder can file a claim for cashless treatment. The steps involved in filing a claim for cashless treatment are as follows:

• Policyholder should carry member car or have the policy number or member ID to be given to the network hospital.

• Policyholder should call the number 1800-425-2255 for planned or emergency hospitalization and fax pre-authorization form to the either of the following numbers 1800-425-5522 or 044-28302200. 

• Policyholder should furnish personal details and policy ID or member ID at the hospital’s insurance desk and fill out the pre-authorization form in the customer’s section.

• The request will be reviewed and the hospital will initiate Star Health Insurance Star Health Insurance claim status that includes approval, pending approval, or rejected to the policyholder.

• In cases where Star Health Insurance Star Health Insurance claim status is pending, the insurance company will contact the hospital and in cases where the claim is rejected the policyholders can opt for the reimbursement option.

What is the Claims Process to Receive Cashless Treatment?

For a policyholder to receive cashless treatment they would need to follow the claims process. The steps involved in the claims process include the following steps:

• After the policyholder has filled up the pre-authorization form and submitted to the hospital, it will be processed. 

• Next, a field doctor will be assigned to the policyholder to help with the hospitalization process.

• One submitting the pre-authorization form, all communication to the bill settlement will be taken care of by Star Health Insurance. 

• However, if certain expenses are beyond the policy or are not covered then the policyholder will be informed about this before or after he or she is discharged from the hospital. 

How will the Treatment Expenses be Reimbursed?

It might not always be possible to go in for cashless treatment. In such situations, the policyholder can pay the bills out-of-pocket and furnish the bills to the insurer for reimbursement.

What are the Details Required to File a Claim for Reimbursement?  

The details required to file a reimbursement for a claim include:

• Policyholder’s name 

• Customer id and name of the claimant

• Hospital details

• Diagnosis and treatment details

• Approximate claim amount

• Admission date

You may like to read : Star Health Insurance: Online Mediclaim Policy Renewal

What are the Hospital Details Required to be Submitted?

Policyholders can download the claim form from the insurer’s website and have to provide the following documents as well. 

• Original claim form, completely filled, and signed.

• Any valid, government approved photo ID.

• Referral letter from a medical practitioner recommending hospitalization of the policyholder.

• Original receipts, bills, and discharge card from hospital. 

• Original receipts or bills from pharmacies for medication purchased. 

• Original receipts or bills for tests and reports. 

Once all the documents listed are duly sent to the insurance company by post the claims process can be initiated. 

What is the Claims Process to Receive Reimbursements?

In order to initiate the reimbursement process, policyholders need to follow these steps:

• Star Health Insurance will review the case along with the documents received. 

• If everything is in order, the claim will be approved and the funds will be processed between 7 to 10 days and the policyholder will be notified as well.

• If the request remains incomplete then the insurer will ask the claimant to produce the required details at the earliest.

How to Check Star Health Insurance Star Health Insurance claim status?

The process to check a policyholder’s Star Health Insurance Star Health Insurance claim status is as follows:

• Visit the Start Heath Insurance website: www.starhealth.in.

• Go to the Claims Corner.

• Select Star Health Insurance Star Health Insurance claim status.

• Fill up the intimation number and id card number.

• Click “Submit”.

• The Star Health Insurance Star Health Insurance claim status will be displayed.

Checking Star Health Insurance Star Health Insurance claim status couldn’t be any easier. And policyholders need to worry about the claims process but following the steps mentioned in this article.

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Protect Your Family with Star Medi-Classic Insurance Policy

The importance of a health insurance plan in our lives cannot be underrated. We need it, we want, we know the worth of it. Still, with the everyday hustle and bustle, we tend to ignore our health or take it lightly to own a medical insurance plan. But believe us, it is a serious business! With the ever growing medical treatment prices or in the era of medical inflation, where treatment costs seemed to be sky-high, only a health insurance plan can rescue you by providing financial protection is a crisis time.

As thousand of insurance companies have entered the market with lots of attractive health plans. It might be difficult for one to choose the best deal. However, among the leading health insurers, Star Health is a reputed name that has been serving since ages and able to win the trust of the customers. Star medical insurance policy or health insurance policies are worth investing on because of the health benefits it offers. In this article we discuss Star Medi-classic Insurance plan, which is an individual health insurance policy, offered by Start Health.

Star Medi-Classic Insurance Policy- at a Glance

Policy Name: Medi-classic Insurance Policy

Policy Tenure: Tenure is available for one year and two years. 5% discount is imposed on policy premium for two-year policy on the payment of two-year premium.

Policy Benefits:

Hospitalisation Cover	Add-on Benefits	Auto-restoration of Sum Insured	Bonus	Family Package	Medical Check-up	Pre-existing Illness Cover
The policy offers in-patient hospitalization cost, room rent, cost of surgeon, consultants, medicines and drugs, Anesthetist, nursing and boarding etc.	Insured can avail patient-care benefit for the person above 60 years old.	You can avail restoration benefits in case the sum insured is exhausted but the policy tenure has not expired yet.	For every claim-free year earn NCB bonus of 5% up to the maximum of 25%.	You can avail family package benefit from 15 days to 45 years.	Free health check-up benefits on every four claim-free years.	Pre-existing illness is covered after  48 days, only if the policy is continued without any break.
Ambulance charges up to specific limit	It pays for the attendant costs after discharge for maximum 5 days per hospitalization and 14 days as per policy period.	The auto restoration of sum insured will be done to the original amount only once. Restored sum insured can be used for remaining policy period if any illness occurs	In case of any claim during the tenure, the earned bonus will be reduced by 5%.	The sum insured in equally allocated to each family members and Medical check-ups are done based on the Sum Insured	This benefit is only available for sum insured of Rs. 2,00,000 or above	HIV positive persons can be added only if the CD 4 count is above 350.
101 day-care treatment	Also avail hospital cash benefit for each hospitalization day			Optional New Born Baby cover is also there
Non-allopathic treatment cover up to defined limit

Why Star Health Policy?

• ·         Settle your claim without an agent. In-house claim settlement is provided.
• ·         Quick and tranquil claim settlement
• ·         Avail cashless hospitalization at more than 8200 network hospitals in India
• ·         Maintain your personal health record digitally.

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Maternity Cover is Indispensable: Here’re the Reasons

Maternity is one of the most precious moments for a woman. It is a crucial time when one needs to plan about few things and financial planning tops the list. After all, quality maternity care is what a pregnant woman only needs to ensure good health of the mother as well as the infant. Sometimes good maternity care and medical treatment can be availed after a huge monetary drain in most of the private hospitals in India due to medical inflation. Even if one bears the same, rearing a child is again an expensive affair. Therefore, a well-structured maternity insurance policy will not only ease off the growing expense of childcare but also allow you to enjoy each moment of this blissful feeling without panicking about the financial burden.

 However, there are mediclaim policies such as Star Health Mediclaim Policy, Apollo Munich Mediclaim Policy, Religare Mediclaim Policy, Bajaj Allianz Mediclaim Policy and so on. However, some of them cover maternity, while some others offer it as an add-on benefit. But whatever it is, it is essential especially for those who are working couples and planning to enter parenthood at their later age.

4 Reasons Why You Need a Maternity Insurance Plan

We guess the below reasons are enough to justify the need of a maternity plan:

It Acts as a Financial Back-up

A maternity plan covers medical expenses related to both normal and caesarean delivery. So, you ensure about no financial stress throughout. Some policies even cover pre and post hospitalisation costs, up to 30 and 60 days respectively. These plans also provide coverage for doctors fee, surgeon’s fee, room rent, anaesthetist consultation, nursing cost etc.

Private Hospitals are Way-expensive

When it comes to maternity, preference is given to private hospitals over the government. It is again a costlier affair as private hospitals these days seem to be expensive due to the world-class health care. Sometimes, it beats the five-star hotels in terms of tariff and luxury. A normal delivery in these hospitals could cost between 50,000-70,000 while in case of caesarean it costs around Rs. 40,000-80,000 or more. Moreover, maternity complications are highly erratic that you can’t assume what affects the final costs. Here comes your maternity benefit plan that works as a soothing balm.

Covers the Infant From the Day-1

No health insurance policies cover newborn baby until they turn 90 days old. That’s why owning a maternity plan benefits you as it cover the infant from the day-1. With some policies, you can avail cover for the vaccination costs from the time baby born till the last date of the policy.

Helps You in Entering the New Phase without a Financial Burden

Today’s generation appreciates having a family with proper planning. Most couples tend to delay their baby planning due to the expenses that come along with a baby. But with insurance plans that come with sub-limit, you can plan your family without bothering for financial burden. Also, some insurance companies also offer maternity benefit within its family floater plan. In this case, if your spouse is already covered, you can add your child as well.

Usually, your insurer will allow you to purchase the maternity only when you conceive. They may reject your application if you are already pregnant. Again, one has t o serve the defined waiting period for avail the benefits of maternity insurance plan. 

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Advantages of Having a Star Health Insurance Plan

We have been growing up with the saying that “health is your wealth”.  With ever-increasing lifestyle diseases and sky-high medical costs, it has become vital to ensure the safety of your health. A medical emergency may cause a big hole in your pocket. Hereby, the financial experts say that having health insurance is a necessary asset to cease the financial burden.

Among the leading health insurance service providers, Star Health Insurance is a name worth taking when it comes to health insurance. When an ample amount of insurance companies introduced various health plans and got good responses from the customers, Star Health Insurance joined the race with unique star health insurance policies and blessed with an overwhelming response. Now it is one of the trusted names being taken into consideration! Let’s have a glance at the plans it offers:

Types of Star Health Insurance Plans

• ·         Family Health Optima Insurance Plan
• ·         Senior Citizen Red Carpet Health Plan
• ·         Start Comprehensive Insurance Plan
• ·         Medi-classic Insurance Plan
• ·         Start health Gain Insurance Plan
• ·         Super Surplus Insurance Plan
• ·         Star Unique Health Insurance Plan
• ·         Diabetes Safe Insurance Plan
• ·         Star Cardiac Care Plan
• ·         Star Wedding Gift Insurance
• ·         Star Micro Health insurance
• ·         Star Net Plus
• ·         Star Care Insurance Plan
• ·         Star Criticare Plus Plan
• ·         Star Family Delite Insurance Plan

Star Health Insurance plan Structure

Name	Members Covered	Pre-existing Illness Cover	Hospitalisation Cost	Co-pay
Star Health insurance Plans	2 adults + 2 children	Insured will have to serve the waiting period of 4 years	Pre-hospitalisation cost for 30 days and post-hoso0	20% co-pay is applicable for age between 61-65 years

Benefits of Health Insurance Plans of Star Health Insurance

• ·         In-house claim settlement directly, no intervene of third-party
• ·         Fast and smooth claim settlement
• ·         Avail medical facilities in more than 8200 network hospitals in India
• ·         Maintain personal health record digitally.

Why You Should Buy a Health Insurance Plan

Because Your Employer’s Cover is not Sufficient

With ever rising medical expenses, the need for a health insurance plan can’t be ignored. Though your employer provides health insurance, the coverage offered may not be sufficient to deal with the required need. Medical emergencies may leave you bankrupt if not financially protected. Moreover, your employer will not cover you once you retired or resigned from the organisation. Think about your old age when you’ll require frequent medical check-ups.

You may like to read : Latest rates for Star Medical Insurance – Check Online

Increase of Life-threatening Diseases

Various global and domestic organisations estimate that one out of every four Indians fall for life-threatening diseases before they enter the age 70. Unhygienic lifestyle led to the growing incidence of lifestyle disorders including cancer, stroke, cardiac arrest etc. which seek immediate attention. Health insurance policies offer regular check-ups to boost health awareness. Treatment for these illnesses is also expensive. In this scenario, health insurance is your only rescuer.

Tax Benefit

The most alluring benefit of a health insurance plan is you can save on tax. As per the Section 80D of Income Tax Act, the premium paid for your heal insurance plan is exempted from the tax deduction. As per the new budget 2017, the finance minister has increased the limit from Rs. 15,000 to 25,000. While the senior citizen can enjoy tax-benefit up to Rs. 30,000 on health insurance premium.

It Covers More than Hospitalisation

Health Insurance plans cover you for day care procedures and OPD, apart from the hospitalisation. Some plans cover vector borne diseases, maternity benefits that are the prominent concern these days. Also, you can add your newly born without paying any additional premium.

Health insurance has ample benefits, these are just a few of them. Considering these benefits, to deal with the ever rising medical inflation, one must have a health insurance plan. With Star Health Insurance, you can customise your need and plan accordingly. 

Star Health Insurance v/s Cigna Health Insurance?

Looking for a health insurance that fulfils all your requirements at nominal premiums, then this article will definitely help you to find such two insurance plans in the market. These plans will cover you against expenses that might incur due to medical emergency.

I am sure when you think to buy a Health Insurance plan you get confused between number of plans available in the market. It is really tough task to select a single plan amongst 25 different companies.

Here this article will make your work little easier by listing the 2 top insurance providers in Indian insurance market; Star Health Insurance and Cigna Health Insurance.

Let us see the comparison between the benefits and coverage offered under these two plans, so that you can make a better choice according to your requirements.

Star Insurance Company is one of the reputed insurance providers in the market. The health insurance plans offered by this company provides comprehensive coverage with multiple benefits to its policyholders. Let us take an example of one of its health insurance which offers following benefits and coverages:

Star Health – Mediclassic

• The Mediclassic is a well-known and most beneficial health insurance products offered by Star Health Insurance plan. 

• The best benefit offered under this plan is the restoration benefit up to 200%.

• Another coverage offered under this plan which makes it stand out amongst other is that it covers HIV positive persons. 

• No Claim bonus is offered for every claim free year calculated at 5% of the basic sum insured, maximum it can go up to 25%. For your Family Floater Plan you can avail no claim bonus up to 25% for first year and 10% the second year.

• Under this plan you can avail pre-hospitalization expenses that incurred before 30 days of hospitalization and post-hospitalization expenses incurred after 60 days of hospitalization. Here you can get an ambulance cover of Rs. 1500 on every hospitalization.

You may like to read : Lower down your health insurance cost by choosing Star Health

Cigna TTK- Pro 

Health protect is the most renowned product offered by the Cigna TTK Insurance Company. This plan offers many attractive features, for example, World Wide Medical Emergency Cover, which provides coverage against your medical expenses when you are abroad. 

• The Coverage provided under this plan depends up on the sum Assured chosen under the policy. The policy does not offer cashless treatment and therefore reimbursement basis applicable.

• This plan is very useful for if you are a frequent international traveler and have chosen a good sum Insured under your Cigna TTK Health protect plan, because the overseas medical care are expensive. 

• Another benefit of this plan is Cumulative Bonus for every claim free year.  This benefit offered by Cigna TTK insurance company would raise the Sum Assured by 5% for every claim free year without increasing the amount of the premium. You will exhaust this limit when the sum insured is increased up to 100%.

• This plan provides rewards of staying healthy. 

• You can avail Restoration of sum assured under Cigna TTK health protect insurance plan.

• The plan also provides coverage against some expenses incurred on treatment before hospitalization and after hospitalization. It covers such expenses up to 60 days before hospitalization and up to 90 days after hospitalization. 

• It also covers day care treatment expenses, (which require hospitalization for less than 24 hours), ambulance expenses up to Rs.2000.

On the basis of benefits and coverages offered under both Star health insurance and Cigna TTK Health Insurance policies, chose the plan that fulfills all your requirements. If you need any further assistance, read the details of their health insurance policies online or call the customer care or take helps from an agent or broker.