Star Health Group Health Insurance: Review & Comparison 2026
India's largest standalone health insurer. ICR 70.30% (FY 2024-25), 14,000+ cashless hospitals. Compare Star Health GMC against HDFC ERGO and Niva Bupa.
About
About Star Health Insurance
Star Health and Allied Insurance Company Limited is India's first standalone health insurance company. Established in 2006, Star Health has been providing comprehensive health insurance solutions to individuals, families, and corporates across India.
With over 15 years of experience in the health insurance sector, Star Health has built a reputation for innovative products, excellent customer service, and quick claim settlements.
Features
Key Features
IRDAI Annual Report 2024-25
Key Statistics
Health Premium
₹16,716 Cr
FY 2024-25
Claims Ratio
70.30%
FY 2024-25
Solvency Ratio
2.21
March 2025
Location
Delhi NCR Branches
Star Health Insurance - Delhi Branch
Ground Floor, Plot No. 142, Sector 44, Gurugram, Haryana - 122003
+91-44-28288800
Star Health Insurance - Noida Branch
C-56/21, 2nd Floor, Sector 62, Noida, Uttar Pradesh - 201309
+91-44-28288800
Network
Network Hospitals in Delhi NCR
2,500+ Network Hospitals
in Delhi NCR Region
Major Hospital Chains
- Max Healthcare
- Fortis Healthcare
- Apollo Hospitals
- Medanta
Government Hospitals
- AIIMS Delhi
- Safdarjung Hospital
- Ram Manohar Lohia Hospital
- Lady Hardinge Medical College
Specialty Centers
- Cancer Treatment Centers
- Cardiac Care Units
- Maternity Hospitals
- Eye Care Centers
Policy Documents
Customer Service
Customer Care Helpline
Email Support
Grievance Officer
Name: Mr. S. Prakash
Email: grievance@starhealth.in
Phone: +91-44-28288800
Balanced View
Pros & Cons
Advantages
- ✓India's only standalone health insurer - focused purely on health
- ✓Highest claim settlement ratio (98.4%) among private health insurers
- ✓15,000+ network hospitals pan-India
- ✓No room rent capping on group plans
- ✓Quick cashless approval - 2-4 hours for emergencies
- ✓Strong maternity & newborn baby cover from day 1
Limitations
- !Premium slightly higher than PSU insurers for equivalent cover
- !Limited international travel health coverage
- !Claim documentation process can be extensive
- !Some exclusions apply to specific treatments in the first year
Right Fit
Who Should Choose Star Health?
Companies Prioritising Claim Settlement
If your HR team wants the peace of mind that claims will be settled - not rejected on technicalities - Star Health's 98.4% settlement ratio makes it the safest choice.
Tech & IT Companies with Young Families
Star Health's strong maternity cover (no waiting period on group plans), newborn cover, and mental health benefits make it ideal for companies with employees aged 25–35.
Companies in Metros Needing Broad Hospital Access
With 2,500+ empanelled hospitals in Delhi NCR alone and 15,000+ pan-India, Star Health covers virtually every hospital your employees may need.
At a Glance
Policy Highlights
| Feature | Detail |
|---|---|
| Sum Insured | ₹1L – ₹25L per employee |
| Room Rent | No capping on group plans |
| Pre-existing Conditions | Covered from day 1 (group policy) |
| Maternity Benefit | Yes - no waiting period on group plans |
| Cashless Network | 15,000+ hospitals pan-India |
| Claims Ratio (FY 24-25) | 70.30% |
| Solvency Ratio | 2.21 |
Frequently Asked Questions
Get Star Health Insurance for Your Team
Secure your workforce with India's leading standalone health insurance provider. Get a customized group health plan today.