Star Health Insurance Premium Calculator Online 2025

Star Health and Allied Insurance Co. Ltd. is one of India's leading health insurance providers, known for offering a variety of health insurance plans catering to individuals, families, senior citizens, and corporate groups. Established in 2006, Star Health has built a strong reputation for its wide network of hospitals, quick claim settlements, and innovative health insurance solutions.

Features of Star Health Insurance

Feature	Specification
Network Hospitals	Over 10,200 hospitals across India, providing extensive access to cashless treatment facilities.
Pre-existing Diseases Waiting Period	Varies between 12 to 48 months, depending on the specific policy chosen.
Incurred Claim Ratio (ICR)	63%, indicating the percentage of claims settled against the total premium collected.
Policy Renewability	Lifetime renewability, ensuring continued coverage without age restrictions.

 

Why One Should Buy a Health Insurance Policy – 5 Major Benefits of Buying a Health Insurance Plan

• Financial Security
• Peace of Mind
• Quality treatment
• Increasing healthcare costs
• Tax Exemption

Things You Need to Calculate the Premium of Star Health Insurance Policies Online?

To use it, you are required to provide the following details:

• Your age
• Policy term
• Medical history
• Coverage details
• Sum insured you need
• The type of policy to buy

How to Calculate Star Health Insurance Premium using the Calculator?

The Star Health premium calculator is available on the company’s website. The following steps should be taken to calculate the premium–

• The policyholder should visit the company’s website at www.starthealth.in
• On the home page, the policyholder should select ‘Plans’
• The list of plans offered by the company would open. To view all the available plans, the individual should select ‘View all plans’
• When the list of plans opens, the policyholder should select the plan which is being considered for purchase
• On the plan’s page, the premium calculator is located on the top itself
• The policyholder would provide the details into the calculator for it to work

Why Calculate Star Health Insurance Premium Online?

• Helps you add/deduct coverage benefits and riders
• Helps you know the expense of a yet-to-buy insurance policy
• Helps you know the affordability of the insurance coverage
• Helps you make a comparison of different rates and choose a good policy
• Helps you pick the best coverage level that can suit your budget
• Helps you make sure you meet no financial strain when continuing the health insurance policy
• Helps you select the most suitable coverage benefits at the most affordable premium

How Does the Calculator Work?

For the calculator to work the policyholder should provide the following details –

• The sum insured to be chosen from a range of sum insured levels offered by the plan
• The date of birth of the insured
• The number of members required to be covered. There are separate tabs for adults and children. Under adults, only the spouse can be added and under dependent children, a maximum of two children can be covered
• The pin code of the area in which the proposer resides. The pin code gives the location which also affects premium calculations

Once all these details are entered into the calculator, the premiums payable would be displayed. The individual can also buy the plan online using the buy button available on the premium calculator.

Recommended Star Health Insurance Plans

• Young Star Insurance Policy
• Family Health Optima Insurance Plan
• Star Comprehensive Insurance Policy
• Arogya Sanjeevani Policy
• Senior Citizens Red Carpet Health Insurance Policy
• Star Super Surplus (Floater) Insurance Policy

Benefits of Choosing Star Health Insurance Policies

• In-patient hospitalisation
• Pre-hospitalisation
• Post-hospitalisation
• Domiciliary hospitalisation
• Ambulance expenses
• Day care treatments
• AYUSH treatments
• Second medical opinion
• Delivery and new-born cover
• Organ donor expenses
• Modern treatments, etc.