With the growing inflation, health insurance is no longer an optional policy but rather a mandatory one. There are several plans that are available in the market right now and it can be quite confusing for you to choose the right plan.
The right plan to choose should be flexible, provide good benefits and also have stable premium rates. Star Health Insurance is one of those great health insurance policies that provide you with all three aspects.
Star Health Insurance is a combined undertaking between the M/s. ICICI Venture Funds Management, M/s. Oman Insurance Company, M/s. Alpha TC Holdings PTE Singapore, M/s TATA Capital Growth Fund, M/s. Sequoia Capital. Approved and founded by the IRDA in 2006, the Star Health Insurance has showed no signs of stopping.
It has been ranked consistently as one of the most efficient and affordable health care providers in the country. Star Health Insurance has been conferred several accolades for its excellent customer service and its health insurance plans.
List of Accolades Won by the Star Health Insurance:
· Best Health Insurance Corporation at Healthcare Excellence Awards in 2014
· Best settlement process award by Hindustan MaRs Survey in 2015
· Claims Service Corporation of the year award by Insurance Award in 2014
· Health Insurance Company of the year in 2015 by India Insurance Awards
From the awards that Star Health Insurance has received, it can be said without a doubt that the firm has been doing some really amazing work in the field of health insurance. There are two kind of scenarios where you could potentially ask for a claim on your Star Health Insurance.
· In case of a planned hospitalization
· In case of an emergency or Cashless treatment
Cashless treatments are only possible when you are at one of the Star Health Insurance network hospitals. If you are already covered under one of the plan, then you don’t need to worry. Below you will find the claim process for the Cashless Process.
You need to visit the nearest insurance desk at the reception of the network hospital that you are in and inform them about the scenario that you are in.
Once you are at the insurance desk you will be required to show them your health card that has been issued by the Star Health Insurance. That will serve as your policy ID. You will have to show them 2 passport photos along with your photo ID as well.
The next step in Star Health Insurance claim process is that the network hospital personnel will be verifying your credentials. After they have done that they will be submitting the necessary documentation to the Star Health Insurance Company along with a pre-authorization form.
There will be a medical professional from the hospital’s team who will evaluate and verify the documents. Once he has done that, he will proceed to start the claim process according to the plan that you are covered under.
A doctor from the designated field will be working with you in order to help you out with the process. This will make the hospitalization process much easier for you.
After all the above five steps have been completed successfully, the claim will then be settled and processed according to the terms and conditional of your plan.
Related : Star Health Insurance - Know your Claim Status
In case you have it all planned and laid out and you would like to go for a reimbursement claim please follow the below steps in order to make it happen.
There will be a field doctor who will be visiting you and will help you with the entire process, in an effort to make things easier and less complex.
After the discharge of the patient, you will be require to pay and settle all outstanding bills that have incurred. It is also important that you collect all the necessary original documents of the patient’s treatment and the receipts of any expenses.
You need to fill out the claims form for Star Health Insurance. Once you do that, you will attach the required original documents along with receipts. Then you would have to submit that to the nearest Star Health Insurance branch office.
Star Health Insurance will be validating all the documents submitted and will finally settle your claim.
Because the Star Health Insurance Company has made the process very transparent and easy, it is very helpful for all those people who do not want to go through hours of hassle. This is especially very good for senior citizens. You must be aware of the policies that you sign up for and the benefits that they provide in order to avoid any surprises.
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