Star Health Assure Insurance Policy

Quick Information

Basic Details

Entry Age 18 to 65 years

Coverage Amount ₹500,000 to ₹10,000,000

Claim Settlement 92.00% (FY 2024-25)

Claim Repudiation 0.00%

Cashless Approval 96.00%

Incurred Claim Ratio 68.70%

Best For

Young professionals

young families

couples

digital-first buyers and customers seeking ₹5 lakh to ₹1 crore coverage.

What Works Well

Wide Sum Insured range from ₹5 lakh to ₹1 crore

60 days pre-hospitalisation and 180 days post-hospitalisation

Modern treatments covered up to Sum Insured

Home care treatment available

No co-payment

Watch Out For

Base room category is Private Single A/c Room

36-month PED waiting period

24-month specified disease/procedure waiting period

Maternity expenses are excluded

Organ donor expenses are not covered

Private Single A/c Room is the base room category

Hidden Clauses - Read Very Carefully!

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Data Not Available

⚡ At a Glance

Cashless Available Online Claim Tracking Home Sample Pickup Personal Claim Manager Domiciliary Cover Family Floater PED Reduction Modern Treatments Reset Benefit Teleconsultation Health Coaching Preventive Checkups Room Rent Cap Complex Exclusions Claim Restrictions

Air Ambulance

₹1,000,000

Road Ambulance

₹10,000,000

Home Care

₹500,000

Cum. Bonus

50%/yr (max 100%)

Wellness Points

1,420

Special Benefits

•Restore Benefit

Wellness Benefits

•STAR Wellness Program

•Annual Health Checkup

•Tele-health consultations

•Wellness activities and content

Modern Treatments

•Uterine artery embolization and HIFU

•Balloon sinuplasty

•Deep Brain Stimulation

•Oral chemotherapy

•Immunotherapy

•Intra-vitreal injections

Optional Add-ons

•Cumulative Bonus Booster

•Modification of Room Category

•Reduction of Pre-Existing Diseases Waiting Period

•Coverage for Non-medical Items (Consumables)

•Unlimited Automatic Restoration of Sum Insured

Domiciliary Exclusions

•Asthma

•Bronchitis

•Chronic Nephritis and Nephritic Syndrome

•Diarrhoea and dysenteries including gastro-enteritis

•Diabetes Mellitus and Insipidus

•Epilepsy

Key Benefits (Pros)

•Data Not Available

Policy Drawbacks

•Data Not Available

Day 31 Covered Diseases

•Data Not Available

Insurer Positives

•Data Not Available

Insurer Negatives

•Data Not Available

Optional Covers

•Cumulative Bonus Booster

•Modification of Room Category

•Reduction of Pre-Existing Diseases Waiting Period

•Coverage for Non-Medical Items (Consumables)

•Unlimited Automatic Restoration of Sum Insured

Value Added Services

•STAR Tele-health Services

•Medical Concierge Services

•Digital Health Vault

•Wellness Content

•Post Operative Care

•Discounts from Network Providers

📌 Other Custom Details

•Source: Smart Health Pro policy/brochure + Star Health official website/product page/claims/app + FY2025-26 company disclosures + FY2024-25 public-disclosure market metrics + user's prior InsurBuddy Smart Health Pro analysis

•Founded Year: 2006

•Gross Written Premium Crore: 20369

•Number Of Policies: 8378000

•Number Of Claims: 3060000

•Financial Year: 2025-26

•Claims Settled 30 Days Percent: 97.69

•Claim Settlement Time Days: 7

🤖 AI Policy Analysis

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Coverage & Benefits

In-patient Hospitalisation

Covered up to Sum Insured

Day Care Treatment

All day care procedures covered up to Sum Insured

Pre-Hospitalization

Up to 60 days before hospitalization

Post-Hospitalization

Up to 180 days after discharge

Domiciliary Hospitalization

Covered for treatment exceeding three days, subject to policy conditions

Home Care Treatment

Up to 10% of Sum Insured subject to maximum ₹5 lakhs per policy year

Air Ambulance

Up to 10% of Sum Insured per policy year

Road Ambulance

Up to Sum Insured per policy period

AYUSH Treatment

Covered up to Sum Insured

Modern Treatment

Covered up to Sum Insured

New Born Baby Treatment

Up to 10% of Sum Insured subject to maximum ₹2 lakhs

Annual Health Checkup

Available subject to applicable Sum Insured limits

What's Not Covered

Standard and specific exclusions under this policy.

Maternity

Childbirth expenses except ectopic pregnancy

Miscarriage unless due to accident

Lawful medical termination of pregnancy

Pre-existing Diseases

Treatment of PED and direct complications until expiry of 36 months of continuous coverage

Specified Diseases/Procedures

Listed conditions

surgeries and treatments until expiry of 24 months of continuous coverage

Organ Donor

Expenses related to organ donation are not covered

Specific Exclusions

Circumcision except where medically necessary

External congenital conditions

Convalescence/general weakness/nutritional deficiency

Certain experimental or unproven therapies

PRP/intra-articular injection/chondrocyte implantation

Certain assistive devices including CPAP/BIPAP and wheelchairs

Domiciliary Exclusions

Asthma

Bronchitis

Chronic Nephritis and Nephritic Syndrome

Diarrhoea and dysenteries including gastro-enteritis

Diabetes Mellitus and Insipidus

Epilepsy

Hypertension

Influenza

Cough and Cold

Psychiatric or Psychosomatic Disorders

Pyrexia of unknown origin for less than 10 days

Tonsillitis and Upper Respiratory Tract Infection

Arthritis

Gout and Rheumatism

Official Policy PDF

Download the official IRDAI-filed brochure from Star Health and Allied Insurance Company Limited.

Download (4.9 MB)

MyInsureBuddy Score

Good Choice

Solid option in its category

Claim Settlement 81%

Coverage Quality 64%

Policy Terms 80%

Value for Money 61%

Network & Features 95%

Product Benefits 20%

Hidden Risk Safety 7%

Rider Strength NULL

Flexibility NULL

Risk Level Low Risk (4/10)

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Quick Information

What Works Well

Watch Out For

Hidden Clauses - Read Very Carefully!

⚡ At a Glance

Special Benefits

Wellness Benefits

Modern Treatments

Optional Add-ons

Domiciliary Exclusions

Key Benefits (Pros)

Policy Drawbacks

Day 31 Covered Diseases

Insurer Positives

Insurer Negatives

Optional Covers

Value Added Services

📌 Other Custom Details

🤖 AI Policy Analysis

Coverage & Benefits

Terms & Conditions (Simplified)

Grace Period

Initial Waiting Period

Pre-existing Disease Waiting Period

Specified Disease/Procedure Waiting Period

Policy Term

Family Floater

What's Not Covered

Official Policy PDF

MyInsureBuddy Score

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