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
GHI lives insured
Health lives insured
Health claims Processed
Health claims settlement ratio***
Health claims Settled within 3 months
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
From cashless claims to digital health IDs, and much more, go digital with Plum.
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
Building employee trust
Helps you build & retain committed employees
Tax benefits
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
Included
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 group
Additional percentage discount on premium and GST
Up to 500 Persons
Covered from day one
501-1000
2.5%
1001-3000
5%
3001-7000
7.5%
7001-10000
10%
>10000
12%
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.
Frequently Asked Questions
Can I add or remove members after the initial setup?
Super top-up is additional coverage of 20 lakhs added to your existing policy. You can avail the additional cover for yourself, and/or for your entire family (self+spouse+2 kids), and/or your parents.
This policy, however, comes with waiting periods on certain critical illnesses and applicable deductibles.
How are premiums calculated for additions?
Yes, you can add new employees, add new dependents (at the time of marriage or childbirth), and remove employees who exit the company. Additions and deletions can be done using the Plum dashboard.
Do I get refunded for deletions?
Deductible refers to the amount paid by the policyholder (via out-of-pocket or other medical insurance policy) before the super top-up kicks in. Read all about how a deductible works here.
How do I pay for additions and deletions?
No, the policy doesn’t cover same-sex or unmarried couples.
Can an employee convert the group plan to an individual plan if they leave the company?
No, the policy doesn’t cover same-sex or unmarried couples.