How to File a Claim With Star Health Insurance?

Ways to File a Star Health Insurance Claim

You can claim Star Health Insurance in two different ways that are as follows:

• Cashless Claims
• Reimbursement Claims

With the introduction of the 'Cashless Anywhere' facility, you can get cashless hospitalization at both network and non-network hospitals. Notably, the claim must be notified 48 hours before planned hospitalization and within 24 hours of emergency hospitalization. However, acceptance of a cashless claim in a non-network hospital is subject to terms and conditions. If the cashless facility is not available in a non-network hospital, you can opt for the Star Health Insurance reimbursement process.

Under cashless claims, the insurance company will pay the bill amount directly to the hospital. In case of reimbursement claims, you will have to pay the hospital bills out-of-pocket initially, and the insurer will reimburse you later.

How to File a Star Health Insurance Claim Online with Policybazaar?

Customers of Policybazaar can get in touch with their claim support team to raise a Star Health Insurance claim online. Follow the steps given below to file a claim with Policybazaar.com:

Step 1: Intimate the Policybazaar claim support team about your hospitalization at the earliest. You can call at 1800-258-5881 or send an email to care@policybazaar.com.

Step 2: You can also log in to Policybazaar.com and click on the 'File a New Claim' option under the 'Claims' tab.

Step 3: Select 'Health Insurance' and enter your mobile number with OTP/password to log in.

Step 4: Follow the instructions and click on 'File a Claim'.

Your claim will be successfully filed, and Policybazaar will coordinate with Star Health and Allied Insurance Company Limited on your behalf.

How to Claim Star Health Insurance?

Take a look at the process to file both cashless claims and reimbursement claims with Star Health and Allied Insurance Company Limited:

1. Star Health Insurance Cashless Claim Process:

   The process to file a cashless claim with Star Health Insurance is given below:

   Step 1: Inform the Insurer

   The foremost step is to inform Star Health and Allied Insurance Co. Ltd. about your hospitalization that has led to a claim. In case of planned hospitalization, inform 48 hours in advance, whereas in case of unplanned or emergency hospitalization, inform within 24 hours. You can tell the insurer by writing a mail or calling customer care on the toll-free number.

   Step 2: Show the Necessary Documents

   Approach the insurance desk of the network hospital and present your Star Health ID card for identity purposes.

   Step 3: Submit Pre-Authorization Form

   Fill out the pre-authorization form and submit it with the doctor's consultation papers at the hospital. The hospital will share your pre-authorization form with Star Health and Allied Insurance Company Limited.

   Step 4: Claim Processing

   The insurer will verify the documents and process the cashless treatment.

   Step 5: Claim Settlement

   Once your treatment is completed, the hospital will share the bills with the insurer. The in-house claims team of the insurer will authorize the payment and pay the claim amount directly to the network hospital.

2. Star Health Insurance Reimbursement Claim Process:

   Check out the steps for the Star Health reimbursement process:

   Step 1: Intimate the Insurance Company

   Notify the insurer about your hospital admission within 24 hours.

   Step 2: Pay All the Bills

   Obtain the treatment and pay all the medical & hospital bills while getting discharged.

   Step 3: Collect Medical Documents, Bills & Receipts

   Before leaving the hospital, collect all the medical documents, bills and payment receipts.

   Step 4: Fill Out the Claim Form

   Download the Star Health claim form from the insurer's official website and fill it out accurately.

   Step 5: Submit the Documents to the Insurer

   Submit the duly filled Star Health claim form along with all the required documents to the insurer within 15 days of getting discharged from the hospital. Make sure to keep a copy of all the submitted documents.

   Step 6: Claim Settlement

   The insurance company will review all the documents and pay you the claim amount.

Documents Required to File a Star Health Insurance Claim

Here is a list of documents that must be submitted to raise a Star Health Insurance reimbursement claim:

• Duly filled Star Health claim form
• Original hospital bills and payment receipts
• Original hospital discharge certificate/card
• Original chemist bills with supporting prescriptions
• Investigation test reports along with doctor's note prescribing the test and their payment receipts
• Treating doctor's certificate
• Surgeon's note describing the nature of the operation
• Surgeon's bill and payment receipts
• FIR/MLC/Self-declaration (for accident cases)
• NEFT and KYC details