Star Group Health Insurance

Star Health & Allied Insurance Company is one of the oldest and most trusted health insurers in India. It provides a range of insurance products for you to choose from and makes it easier to face the tough times in your life.
A group medical insurance policy can help you ensure that your staff remains free from major health issues. Star Health & Allied Insurance Co. Ltd. provides various health insurance products for individuals and groups. With Star Group Health Insurance, you can remain stress-free and focus on the day-to-day work.
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Key Statistics of Star Group Health Insurance Company
GHI Premiums
₹996 crores
FY 2021
GHI lives insured
2.51 lakh
FY 2020
Health lives insured
1.42 cr
FY 2020
Health claims Processed
11,34,972
FY 2020
Health claims Settlement Ratio
78.52%
FY 2020
Claims Settled within 3 months
78.55%
FY 2020
*Source - IRDAI and IBAI annual reports  **GMC - Group Medical Cover
***Claims Settlement Ratio (CSR) is the percentage of claims settled by the insurance company against the no. of claims obtained in a financial year. A high claim settlement ratio indicates the good financial health of the insurance group.
GHI Premiums
₹996 crores
FY 2021
GHI lives insured
2.51 lakh
FY 2020
Health lives insured
1.42 cr
FY 2020
Claims Processed
11,34,972
FY 2020
Claims Settlement Ratio
78.52%
FY 2020
Claims Settled within 3 months
78.55%
FY 2020

What is Group Health Insurance?

A group health insurance planor employee health insurance policy covers the medical expenditures for all your staff and their family members. This cover helps them get the best possible treatment in serious illness or emergency medical assistance due to accidental injury. 
As the name suggests, a group insurance policy caters to the group of employees that work for a particular organization. It relieves the employees of heavy medical bills and gives leverage to the company in case of medical emergencies.
Highlights of Star Group Health Insurance
Hassle-Free Treatment with Cashless Facility
With an elaborate list of network hospitals, you can get hassle-free healthcare services in emergencies from the top hospitals without having to pay in cash. Instead, you can use the cashless card provided by the insurer.
Free Annual Health Check-up
Your employees get a free medical check-up every year with Star Health’s policy cover. In this way, you can ensure that your workforce remains healthy throughout the year.
COVID-19 Coverage
With understanding the current health insurance market, Star Health now covers your employees against the expenses incurred on the treatment of COVID-19.
Extended Cover for Employees
If you purchase group medical insurance from Star Health, your employees can enhance their health cover by purchasing a personal policy against an attractive premium discount.
Tax Benefits
While saving your employees from the high medical costs, you can save tax on the premium you pay for purchasing a group insurance policy. The premium that you pay is allowed as a deduction from the total income of your company.

What are the Benefits of Group Health Insurance?

Buying medical insurance for your employees can benefit you and your organization in many ways. Here are the benefits that you can get by purchasing group insurance.
Reduced Premium Costs
When you apply for a bulk policy like group insurance, you have the benefit of numbers in your favor. This aspect puts you in an advantageous position to negotiate the policy terms & conditions along with the premium costs and cover provided. So, you can save the cost of your employees and, at the same time, give them confidence in the organization.
Building Employee Trust
When the organization proves that they are committed to employee welfare by reducing their burden with health insurance, the employees will feel positive about the company. It is as simple as building trust in your employees towards your organization. A small gesture like this can bring huge changes
Helps You Build & Retain Committed Employees
Employees who feel secure about their health and their families tend to work harder for the organization. A group insurance policy builds trust among the employees, and hence, they feel motivated.
The most important thing that employees want is trust and security. Therefore, they are less likely to leave your organization for marginally better pay.
Tax Benefits
The Income Tax Act, 1961 allows you to deduct the premium you pay towards a group health policy from your total income. Hence, you can reduce your tax burden along with helping your employees secure themselves against unexpectedly high medical expenses.
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What Expenses are Covered by Star Group Health Insurance plan?

Here’s a look at the group health insurance plan offered by Star Group Health Insurance Company:
Highlights of the policy
Pre-existing diseases
Covered from day one
Optional coverage benefits
Yes
What's covered?
Hospitalization due to diseases or accidents
Daycare treatments
A maximum of 3 children up to the age of 25 years
Cashless facilities at the network hospitals
Pre- and post-hospitalization expenses
OPD expenses
Hospital cash allowance
Inpatient psychiatric treatments
Organ donor cover
Accidental hospitalization

Additional Scalability Discounts Allowed by Star Health Insurance

An additional benefit with Star Health’s insurance is the extra discount allowed on a larger group. Here is the list of these discounts that you can enjoy.
No. of Members in the Group
Additional Percentage Discount on Premium and GST
Up to 500 Persons
Covered from day one
501-1000
2.5%
1001-3000
5.0%
3001-7000
7.5%
7001-10000
10.0%
> 10000
12.0%
No. of Members in the Group
Additional Percentage Discount on Premium and GST
Up to 500 Persons
Covered from day one
501-1000
2.5%
1001-3000
5.0%
3001-7000
7.5%
7001-10000
10.0%
> 10000
12.0%
Please note that Plum has collated and presented this data for informational purposes only and at a particular point in time. Plum does not endorse, rate, or recommend any particular insurer or insurance product offered by an insurer. The final terms, conditions, and premiums may vary depending upon factors including group size, age, location, and applicable taxes.

Here's how Star Group Insurance is better with Plum

Here are reasons why Plum and Star is the right choice for your group insurance needs:
Easy Digital Transactions with Plum
A seamless digital claim experience for your employees.
Teleconsultation with Doctors
Most comprehensive coverage and wellness program at the best price.
Seamless Service Across Platforms
Transparent benefits and pricing structure because we believe in honesty.
WhatsApp Access
Access to Plum’s in-house specialized doctor consultation services, free of cost.
Add or Remove Beneficiaries
Coverage enhancement through health and wellness benefits, only at Plum.
Benefit from the Wellness Programs
Manage your team and employee health benefits program online on a single dashboard. 
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How Does Plum Work?

Open
app.plumhq.com
to access your insurance
Select
Open WhatsApp
and continue to chat
Click on use
my insurance button
on the dashboard
Open
app.plumhq.com
to access your insurance
Click on use
my insurance button
on the dashboard
Select
Open WhatsApp
and continue to chat

Lodging a Claim Under Aditya Birla Group Health Insurance Plans

In the case of a medical emergency covered under your Aditya Birla Group Health Insurance Plan, you should contact the insurance company immediately and register your claim. The other claim-related steps are:
For cashless hospitalization, locate and get admitted to a networked hospital.
Fill up a pre-authorization claim form and submit it 72 hours before a planned hospitalization. In the case of an emergency, submit the form within 24 hours of hospitalization.
Based on the details furnished in the pre-authorization claim form, cashless claims will be accepted or rejected.
If accepted, you can avail of cashless treatments, and the insurer would foot the medical bills directly.
In the case of admission to a non-networked hospital, you would have to pay the medical bills yourself. After discharge, fill and submit the claim form with all the relevant medical documents. The insurer would then reimburse the claim.
Filled claim form
Identity and age proof
A copy of the health card or policy document
Doctor’s prescription advising hospitalization
KYC documents
Discharge summary issued by the hospital
MLC or police FIR for accidental claims
In case of reimbursement claims, original copies of hospital records, diagnostic reports, and hospital bills has to be submitted along with bank details of the insured member
For cashless hospitalization, locate and get admitted to a networked hospital.
Fill up a pre-authorization claim form and submit it 72 hours before a planned hospitalization. In the case of an emergency, submit the form within 24 hours of hospitalization.
Based on the details furnished in the pre-authorization claim form, cashless claims will be accepted or rejected.
If accepted, you can avail of cashless treatments, and the insurer would foot the medical bills directly.
In the case of admission to a non-networked hospital, you would have to pay the medical bills yourself. After discharge, fill and submit the claim form with all the relevant medical documents. The insurer would then reimburse the claim.
Filled claim form
Identity and age proof
A copy of the health card or policy document
Doctor’s prescription advising hospitalization
KYC documents
Discharge summary issued by the hospital
MLC or police FIR for accidental claims
In case of reimbursement claims, original copies of hospital records, diagnostic reports, and hospital bills has to be submitted along with bank details of the insured member

Here’s why you will love Plum

With Plum, get complete access to your insurance plan on WhatsApp
Check your healthcare benefits
Intimate your claim
Read what’s covered and not covered
Select other health benefits
Download your Digital health ID Card
See daycare treatment list

Frequently asked 
questions

Does group insurance cover the family?

Group insurance is a bulk policy that covers the employees of an organization as well as their families. Usually, the family includes the spouse, children up to 25 years, and dependent parents. Some insurers charge an additional premium for covering the family as beneficiaries.

What are Network Hospitals?

The insurers create tie-ups with popular hospitals that provide specialized treatment facilities. If you get your treatment from a network hospital, you only have minimum paperwork while using the cashless facility.

What expenses are covered by group insurance?

The policy covers all expenses related to the diagnosis and treatment of your disease or injuries sustained due to accidents.

Does health insurance cover the treatment of COVID-19?

Yes! You can get a comprehensive health cover along with the COVID-19 treatment if you buy the Star Group Health Insurance policy through Plum’s Website.

What expenses are allowed as a claim under group insurance?

The policy allows the following under claims room charges, fees paid to specialists, consultants, surgeons, etc.
Tests conducted during the examination as well as daycare procedures, medicines prescribed for the treatment, ambulance charges, pre-hospitalization expenses up to 30 days, post-hospitalization expenses up to 60 days, cost of specialized treatments with the help of modern technology (up to the prescribed limits only), hospital cash for daily expenses within the hospital premises.

What are the medical conditions covered under a group policy?

Treatment availed for the following is covered under the medical policy:

a) If policy beneficiary contracts a disease or suffers an illness

b) If they sustain an injury on the body due to accident