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Star Hospital Cash Insurance Policy
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Star Hospital Cash Insurance Policy

From the past 5 years, medical costs have been rising unhindered due to an increase in demand for medical care because nowadays, the trending lifestyle is very hectic with little time devoted to rest.

Thus, more and more people are becoming aware of the importance of having a health insurance plan and the crucial role that they play when someone needs emergency medical attention.

However, there are some indiscernible gaps in the coverage of these health plans, as in, they don't cover everything.

A little-known fact is that most of these plans available in the market do not provide hospital cash benefit or allowance as an integral part of health plans. Policyholders are required to purchase this benefit, under an add-on cover in most cases, separately.

There is a plan that has inbuilt hospital cash benefit, along with a lot of others, the Star Hospital Cash Insurance Policy, offered by Star Health Insurance.

What is Star Hospital Cash Insurance?

Star Hospital Cash Insurance Policy is a hospital cash allowance specific insurance plan that offers financial coverage for any additional expenses, including ancillary and medical third party engagement expenses incurred by the insured.

Consider a scenario. A person has been hospitalized to undergo surgery. Before the medical procedure begins, an external medical report, say ECG scan report, is required by doctors to ascertain the patient's health info.

Also, ECG scanning is not available in the said hospital. In this case, the report has to be made from another hospital or dedicated clinic or any other third party source, which is not covered by the patient’s health insurance plan. This is where the importance of hospital cash benefits and insurance plans is apparent.

The plan also covers all incidental expenses incurred by the policyholder, such as food, traveling, etc. which are not taken care of by traditional health insurance policies during the policyholder's hospitalization. All incidental and ancillary expenses covered by the policy are only applicable to the policyholder and his/her family members, as mentioned in the policy documents during its inception.

Star Hospital Cash Insurance provides a pre-defined amount on a lump-sum basis each day for a period equivalent to that of the policyholder's hospitalization duration. This amount can be used to cover the expenses, as mentioned above.

Some of the details regarding the policy are presented in a tabular format as follows:



Plan Type

Hospital Cash allowance specific health insurance

Sum Insured Types

Individual basis and Floater basis

Coverage (in regard to family members)

Up to 5 members (which includes up to 3 dependent family members, self and spouse)

Plan variants

Basic variant and Enhanced variant

Total Cash amount offered per day (options)

Basic variant (in INR) – 1000, 2000, 3000

Enhanced variant (in INR) – 3000, 4000, 5000

Maximum number of days hospital cash is offered (options)

Basic variant – 30, 60, 90, 120, 180

Enhanced variant – 90, 120, 180

Policy tenure (options)

1 year, 2 years, 3 years (irrespective of plan variant)

Features and Benefits of Star Hospital Cash Insurance

The Star Hospital Cash Insurance Plan comes coupled with numerous alluring features and attractive benefits, which have been discussed in length in the following section:

Key features of the policy

  • Available in 2 Variants – The plan is available in 2 variants, namely Basic variant, and Enhanced variant, where people with minimum hospital cash requirement can opt for the Basic variant whereas others can opt for the Enhanced variant.
  • 2 Sum Insured Types – The plan's sum insured values are available as per individual basis or floater basis, such that people with families can opt for the family floater type of the plan to get the same coverage for all their loved ones under a single policy.
  • Daycare Procedures – Star Hospital Health Insurance Plan offers coverage against 10 different Daycare procedures, as mentioned in the policy documents, which can be availed for a maximum of 5 times in a single policy year.
  • Waiting Period – The initial waiting period for both the plan's variants is 30 days for events other than accidents, whereas the waiting period for pre-existing diseases is 36 months for Basic variant and 24 months for Enhanced. variant
  • Grace Period – The insurance company offers a 30 days Grace period after the expiry of the policy for the policyholder to renew the same.

Prime benefits of the policy

  • Lump-sum Benefits – The plan provides hospital cash on a lump-sum basis for the duration of the policyholder's hospitalization, which can be used to cover various ancillary and incidental expenses.
  • Tax Benefits – The plan offers deduction in tax for the premium amount paid by any online mode or any other mode except by cash, according to Section 80D of the Income Tax Act, 1961.
  • Claim Settlement – The insurance provider offers in-house and direct claim settlement at network hospitals, and without the involvement of any TPA (Third Party Administrator) if the policyholder wishes
  • Wide Hospital Network – Star Health Insurance has more than 9900 hospitals under its hospital network.
  • Star Hospital Cash Insurance Policy offers hospitalization benefits, including ICU and accidental hospitalization, for every continuous duration of 24 hours, until the policyholder is discharged

Inclusion and Exclusions of Star Hospital Cash Insurance Plan

The various inclusions and exclusions of Star Hospital Cash Insurance have been mentioned below:

Plan Inclusions

  • Sickness hospital cash
  • ICU hospital cash for treatment of any specified illness or sickness or injury
  • Cash for injuries inflicted in accidents, Accident hospital cash
  • Cash for maternity or childbirth medical care and treatments
  • Convalescence Hospital Cash
  • 10 Daycare procedures including hemodialysis and chemotherapy
  • Worldwide Hospital Cash

Plan Exclusions

  • Congenital external defects or condition or anomalies
  • Self-inflicted injuries
  • Drug abuse or medical condition due to the use of intoxicating substances
  • Rest cure or run-down condition, convalescence, nutritional deficiency states, and general debility
  • Sexually Transmitted Diseases (all STDs except HIV) and venereal diseases
  • Preputioplasty, frenuloplasty, circumcision or other related procedures
  • The injury inflicted or diseases acquired due to foreign invasion, war, riots, strikes, nuclear materials or weapons, etc.
  • Plastic surgery or other related facial or body reconstruction surgeries
  • All types of aesthetic and cosmetic treatments
  • Vaccination or inoculation
  • Dental surgeries or treatments (unless dental problems arise due to accidents)
  • Cochlear implants
  • Surgical or medical treatments for endocrine disorders or sleep apnea
  • Other specified medical treatments and procedures

Eligibility Criteria to Buy the Star Hospital Cash Insurance Plan

As mentioned earlier, the plan comes in 2 types based on Sum Insured values: individual and floater types. The entry age is between 18 years and 65 years.

Also, the individual variant has a lifelong renewability option, which means that there are no age restrictions when it comes to planning renewal.

The floater variant of Star Hospital Cash Insurance Plan is for people who want insurance protection for themselves as well as their family members under a single policy. The entry age ranged for adults for this variant is 18 to 65 years, whereas, for dependent children, the age range is 91 days to 25 years.

The Policy tenure options available are 1 year, 2 years, and 3 years.

Claim Process for Star Hospital Cash Insurance Policy

Star Health offers a seamless, convenient, and hassle-free claim process and fast claim settlements. It also offers in-house and direct claim settlements when the policyholder is hospitalized in one of the hospitals under the hospital network of the company.

The claims process can be registered both for cashless and reimbursement claims. A cashless claim can be claimed in case of treatment availed from a network hospital. The process includes intimating the insurer and seeking cashless approval from the insurance company. If the insurer approves the request, the insured can avail treatment free of cost. The hospital bills are settled directly by the insurer.

On the other hand, in case the treatment is availed from a non-network hospital the insured has to pay the bills initially and register a claim later. The original bills along with the discharge summary and certificates have to be submitted at the time of registering a claim. The claim form has to be dully submitted. The insurer after verifying the claim form and documents, reimburses the amount up to an admissible amount. 

Documents Required to Apply for Star Hospital Cash Insurance Policy

The documents required while applying for the plan are as follows:

  • Proof of ID – Aadhar Card, Passport, DL, etc.
  • Proof of Address – Telephone/electricity/gas or other utility bills, etc.
  • Proof of Age – Birth Certificate
  • Proof of Income – Salary slip 

How to Buy Star Hospital Cash Insurance Plan?

The application process for Star Hospital Cash Insurance is very and involves minimal documentation. As the plan is online-based, it can be bought at the website of or the company’s own website. The step-by-step process on how to purchase the plan is given as follows:

  • Go to to get an overview on how to purchase the plan
  • Go to get free quote and provide essentials information
  • A list of plans will be displayed.
  • Select Star Hospital Cash Plan and compare
  • Click on “Purchase”
  • Enter your details
  • Make the payment
  • A notification upon the successful purchase of the plan will be sent immediately.

Renewal Process of the Star Hospital Cash Insurance

The renewal process refers to the renewal of an expired policy. The Star Hospital Cash Insurance Policy's renewal process is seamless and hassle-free, the same as the claims process. The insurer supports the completion of the renewal process through both the modes – online and offline.


This mode is comparatively easier than its offline counterpart. Policyholders have to visit to complete the process. Individuals who wish to complete the renewal process through this mode are requested to follow the steps mentioned below:

  • Visit to the details on how to complete the renewal process
  • Go to “Policy Renewal”
  • Enter relevant details
  • Make the payment
  • You will receive a notification upon successful re-activation of your plan


This mode is rather difficult and more time-consuming when compared to the online mode. Individuals who wish to complete the renewal process through this mode are requested to follow the steps mentioned below:

  • Visit a branch office of the insurer
  • Ask for a renewal form at the reception
  • Duly fill in the form
  • Submit the form
  • Make the appropriate payment

FAQs About the Star Hospital Cash Insurance

Written By: Paisawiki - Updated: 09 April 2021

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