Star Health and Allied Insurance

The Health Insurance Specialist.

Operating since: 2006
IRDAI registration: 129

Star Health and Allied Insurance is India's first standalone health insurer, headquartered in Chennai and IRDAI-licensed under registration number 129. It is known for its in-house claims team and one of the country's widest cashless hospital networks.

About Star Health

Star Health and Allied Insurance is India's first standalone health insurance company. Headquartered in Chennai, it is IRDAI-licensed under registration number 129 and listed on the BSE and NSE. The company specialises exclusively in health, personal accident and overseas travel insurance.

What sets Star Health apart is its in-house claim processing — most peers route claims through third-party administrators (TPAs), but Star Health handles claim adjudication directly. The company also offers disease-specific products such as Star Diabetes Safe for diabetic individuals and the Red Carpet Senior Citizen plan, alongside its core family floater, critical illness and top-up plans.

Star Health is a popular choice among families with elderly parents because of its dedicated senior-citizen plans and large cashless hospital network. Through Policywings, you can compare Star Health against other standalone insurers like Niva Bupa, Care Health and ManipalCigna.

Track record

Why people choose Star Health

What this insurer is known for, and the record behind it.

India's first standalone health insurance company.
In-house claims processing — does not route through a third-party administrator (TPA).
Disease-specific plans such as Star Diabetes Safe and Red Carpet Senior Citizen.
Listed on BSE and NSE.
Headquartered in Chennai with pan-India branch presence.

Awards & recognition

India's first standalone health insurer
Listed on BSE & NSE

Star Health insurance products

Jump straight to the cover you are shopping for.

Family Floater Critical Illness Top Ups Health Plan for Parents Corona Health Plans

Claims

How to file a Star Health claim

Policywings handles the paperwork and the follow-up. Here is what happens, step by step.

Step 1
Intimate Star Health within 24 hours of emergency admission (or 48–72 hours before planned hospitalisation).
Step 2
For cashless, present your Star Health card at a network hospital and submit the pre-auth form.
Step 3
For reimbursement, pay the hospital first and submit bills + discharge summary within 15 days of discharge.
Step 4
Star Health processes the claim in-house — generally faster than TPA-led peers.
Step 5
Policywings follows up on document gaps and approval status on your behalf.
Step 6
Approved cashless claims are settled directly with the hospital; reimbursements credit to your bank account.

Need help with a claim?Our team stays with you from intimation to settlement.

Star Health — Frequently Asked Questions

Quick answers to the questions our customers ask most often before they buy or renew a Star Health policy.

Is Star Health a TPA? Toggle answer

No. Star Health processes claims through its own in-house claims team, not a third-party administrator. This is a key differentiator versus most peers.

Does Star Health cover diabetes? Toggle answer

Yes. Star Diabetes Safe is a dedicated plan for diabetic and pre-diabetic individuals, with shorter waiting periods than standard plans.

Can senior citizens buy Star Health plans? Toggle answer

Yes. The Red Carpet Senior Citizen plan allows entry up to 75 years with lifelong renewability — designed specifically for older Indians.

What is Star Health's IRDAI registration number? Toggle answer

Star Health and Allied Insurance is registered with IRDAI under registration number 129.