Star Health Insurance Customer Care: A Practical, Expert Guide

Immediate assistance for hospitalization and claims

If you are planning a hospitalization, inform Star Health at least 48–72 hours in advance so the hospital can request cashless pre-authorization in time. In emergencies, intimate within 24 hours of admission. Keep your Star Health e‑card and policy schedule handy; the hospital’s insurance/TPA desk will usually initiate the cashless request on your behalf through the insurer’s in-house claims team (Star Health does not use external TPAs).

For most cashless cases, hospitals send a pre-authorization form with your diagnosis, estimated cost, and treating doctor’s notes. Insurers typically process complete cashless requests quickly; if any medical investigation is needed, the hospital may be asked for additional documents. If you choose reimbursement instead of cashless, collect originals of all bills and reports at discharge and submit them to Star Health within the timelines noted in your policy (30 days from discharge is a common window for health policies).

• Keep ready: policy number, patient’s name/date of birth, mobile/email on policy, hospital name/city, admission date/time, diagnosis/procedure, treating doctor’s name.
• Documents for claims: e‑card, KYC (PAN/Aadhaar), discharge summary, itemized final bill with receipt, pharmacy and diagnostic bills with prescriptions, implant/device stickers (if any), investigation reports (X‑ray, CT, MRI, lab), cancelled cheque for NEFT, and previous treatment records for the same ailment.
• Network hospitals: Star Health’s cashless network spans 14,000+ hospitals across India; check availability and cashless eligibility at https://www.starhealth.in/network-hospitals before admission.

How to reach Star Health customer care

Use the official website and app for the fastest, trackable service. Key links: Contact and branch finder at https://www.starhealth.in/contact-us, claims overview and forms at https://www.starhealth.in/claims, and network hospitals at https://www.starhealth.in/network-hospitals. You can log in to your policy account at https://www.starhealth.in/customer/login to download your e‑card, raise service requests, renew, or track claims. The mobile app “Star Health” on Android and iOS supports cashless requests, claim intimation, and document uploads.

For phone assistance, use the toll-free helpline published on your e‑card and on the Contact Us page above; it is available nationally and typically operates 24×7 for hospitalization and cashless assistance. If you need to write, use the web form on the Contact Us page for an auditable ticket and reference ID. Corporate/Registered Office (for correspondence, not walk-in claims): Star Health and Allied Insurance Company Limited, No. 1, New Tank Street, Valluvarkottam High Road, Nungambakkam, Chennai – 600034, Tamil Nadu, India. Website: https://www.starhealth.in

Grievance redressal and regulatory timelines (India)

Insurers must follow IRDAI timelines for service and complaints. A grievance should be acknowledged within 3 working days and resolved within 15 days. For claim payments, health reimbursement claims must be settled within 30 days of receiving the last required document; if an investigation is warranted, settlement must be within 45 days. Delays beyond these timelines attract interest at 2% above the prevailing bank rate from the date of receipt of the last necessary document until the date of settlement.

If your issue is not resolved at first contact, escalate to the Grievance Redressal Officer (GRO) of your servicing office; the name, email, and address of the GRO are provided on the Star Health Contact/Grievance page. If you do not receive a satisfactory reply within 15 days, you may approach the Insurance Ombudsman at https://cioins.co.in (select your state’s Ombudsman office) or lodge a complaint with IRDAI via the Bima Bharosa portal at https://bimabharosa.irdai.gov.in. IRDAI Grievance Call Centre numbers: 155255 (short code) or 1800 4254 732 (toll-free).

Services customer care can handle quickly

Customer care can resolve most servicing requests without a branch visit, provided KYC and policy details are correct. Many changes are completed within 24–72 hours when submitted through your logged-in customer portal with documents uploaded clearly (color scans, 200–300 DPI, under the stated file size limits).

• Policy documents: e‑policy download, e‑card reissue, duplicate policy schedule.
• Renewals and payments: premium quotes, NCB continuity, payment receipts, tax statements.
• Profile and KYC: email/mobile updates, address change, PAN/Aadhaar seeding (mandatory for high-value claims), nominee addition/correction.
• Coverage changes (as per underwriting rules): add/remove insured members, change sum insured, add riders, portability-in from another insurer (start 45–60 days before renewal).
• Cashless assistance: network hospital confirmation, pre-authorization status, additional document requests to hospital, discharge approval follow-ups.
• Claims: claim intimation/reference number issuance, reimbursement claim submission checklist, deficiency letter clarifications, NEFT updates for claim payouts.
• Medicals and wellness: scheduling pre-policy medicals, preventive health check bookings where included, wellness benefit queries.
• Complaints and appeals: registering grievances, arranging call-backs from the GRO team, guidance on Ombudsman filing if unresolved.

Practical tips to get faster, successful resolutions

Quote your policy number and claim/reference number in every interaction. If you raise a web ticket, save the auto-generated ticket ID and attach all documents requested in a single submission to avoid back-and-forth. For cashless cases, ask the hospital insurance desk for the “pre-auth control number” and the time stamp when documents were uploaded to the insurer portal; use these when following up.

Mind regulatory windows: free-look period is 15 days for physical policy documents and 30 days for policies issued electronically, counted from the date you receive the policy—use this window to correct errors. For portability, initiate at least 45 days (and ideally 60 days) before renewal to ensure continuity. For reimbursement claims, submit within the period stated in your policy (commonly 30 days from discharge); late submissions can be rejected unless justified by valid reasons. Never share OTPs or full card details over calls; use official portals and check the site URL is exactly https://www.starhealth.in before entering personal data.

Company identifiers and compliance

Legal name: Star Health and Allied Insurance Company Limited. IRDAI Registration No.: 129. Corporate Identity Number (CIN): L66010TN2005PLC056649. Incorporated in 2005; commenced operations in 2006; listed on Indian stock exchanges in December 2021. Star Health operates with an in-house claims model and a nationwide cashless network of 14,000+ hospitals, providing 24×7 hospitalization assistance.

For the most accurate phone numbers, email IDs, and GRO contacts, always refer to the official Contact Us page at https://www.starhealth.in/contact-us or the details printed on your Star Health e‑card and policy schedule. If you face any unresolved issue beyond 15 days, escalate via the GRO and, if needed, approach the Insurance Ombudsman (https://cioins.co.in) or IRDAI’s Bima Bharosa portal (https://bimabharosa.irdai.gov.in).

Does Star Health cover pregnancy?

Star Health Insurance offers maternity benefits that cover delivery expenses, pre- and post-natal care, and newborn coverage under specific plans. To ensure a hassle-free claim process, you can opt for a cashless claim at network hospitals or reimbursement for treatment at non-network hospitals.

How to file a claim with Star Health Insurance?

Step four fill in the required admission. Information. Then select your hospital from the hospital search list click review and submit step five click submit to get your claim in intimation.

Can I cancel Star Health insurance?

Types of Star Health Policy Cancellation
You can cancel your health insurance in the specified free-look period (commonly 15 days, varies from policy to policy) to get approx.

What is the star health program in Texas?

Most people who have Medicaid in Texas get their coverage through the STAR managed care program. STAR covers low-income children, pregnant women and families. STAR members get their services through health plans they choose.