Star Group Health Insurance
Group Medical Cover (GMC) is a type of health insurance that provides coverage for a specific group of individuals, such as members of a professional organization, a society, or employees of a company. This insurance policy helps cover the costs associated with health and medical expenses for the members of the group.
A group insurance plan can be categorized into two main types:
- Non-employer-employee groups: These groups may consist of members of registered welfare associations, individuals holding credit cards from a specific company or bank, or customers of businesses that offer insurance as an additional benefit.
- Employer-employee groups: These groups typically include employees of a specific registered organization.
Star Health and Allied Insurance Company Limited specializes in providing group health insurance policies for established groups, such as employer-employee groups.
Who is a group administrator/proposer?
The group administrator or proposer is the individual or organization that signs the proposal form or declaration form and is listed in the Policy Schedule as the primary contact. This person may or may not be included as an insured member under the policy.
Some of Star Health’s group health insurance plans for corporates include:
- Group Arogya Sanjeevani Policy offered by Star Health and Allied Insurance Company Ltd
- Star Group Health Insurance
| PLAN | Group Arogya Sanjeevani Policy, Star Health and Allied Insurance Co Ltd (SHAHLGP22041V022122) | STAR GROUP HEALTH INSURANCE (SHAHLGP23021V032223) | ||||
|---|---|---|---|---|---|---|
| Type of Cover | Individual /Family | Individual /Family | ||||
| Sum insured Options in lakhs | ₹100000 to ₹10 lakhs | Up to ₹1 crore | ||||
| Room Rent, Boarding, Nursing Expenses | 2% of the sum insured subject to maximum of ₹5000/- per day | Customise the limits of cover | ||||
| Pre Hospitalisation | 30 days prior to the date of hospitalisation. | Customise the limits of cover | ||||
| Post Hospitalisation | 60 days after discharge from the hospital | Customise the limits of cover | ||||
| Emergency ambulance | Up to ₹2000 per hospitalisation | Customise the limits of cover | ||||
| AYUSH Treatment | Covered up to sum insured | up to 25% of the sum insured subject to a maximum of ₹25,000/- per policy period | ||||
| Daycare treatments | Covered | Covered | ||||
| Modern Treatments | up to 50% of the sum Insured. | Customise the limits of cover | ||||
| Cataract surgery | up to 25% of the sum insured or ₹40000 whichever is lesser, per eye in a policy year. | Customise the limits of cover | ||||
| Waiting Period | Pre-Existing Diseases | 36 months of continuous coverage after inception of 1st Policy | With or without waiting period(Waiver of waiting period is available) | |||
| Certain Specific illness | 24 months of continuous coverage after inception of 1st Policy | With or without waiting period(Waiver of waiting period is available) | ||||
| Certain Specific illness | 36 months of continuous coverage after inception of 1st Policy | With or without waiting period(Waiver of waiting period is available) | ||||
| Any illness other than accidents | 1st 30 days after inception of 1st Policy | With or without waiting period(Waiver of waiting period is available) | ||||
| Migration (Provision by the Insurance Regulator) | Subject to underwriting: Individual members, including the family members covered under an indemnity-based group health insurance policy shall have the right to migrate from such a group policy to an individual health insurance policy or a family floater policy within the same company | |||||
| Risk Covered | In-patient hospitalization for 24 hours due to illness/ accidents and daycare treatments or Procedures | |||||
| Addition & Deletion |
| |||||
Note: The above information is only indicative. For complete details of the Terms & Conditions kindly read the policy clause before concluding a sale.
Star Group Health Insurance
The Star Group Health Insurance policy can be customized to fit the specific needs of the proposer. It provides coverage for various benefits, subject to sub-limits as specified in the policy schedule:
- In-patient Hospitalization Expenses: This covers all expenses related to in-patient hospitalization, including room and boarding expenses, medical practitioners’ fees, nursing expenses, surgical fees, ICU charges, anesthetist fees, anesthesia, blood, oxygen, and operation theater charges incurred during a hospital stay of at least 24 consecutive hours.
- Pre and Post Hospitalization Expenses: Medical expenses before and after hospitalization are covered up to the limits mentioned in the schedule.
- Daycare Treatments/Procedures: All daycare treatments and surgical procedures that are completed in less than 24 hours due to technological advancements are covered. Out-patient treatments are not included under this coverage.
- Maternity Benefits: This optional cover includes coverage for medical expenses related to delivery, whether through a C-section or normal delivery, including pre and post-natal expenses, lawful medical termination of pregnancy, and childbirth-related expenses for a specified period as stated in the policy schedule. This coverage may be offered with or without a waiting period, and the waiting period can be waived off under the policy.
- Newborn Cover: Optional cover for medical expenses incurred by the newborn baby as an in-patient in a hospital, up to the specified limit stated in the policy schedule or a certain percentage of the mother’s sum insured.
- Ayush Treatment: This cover provides coverage for medical expenses related to alternate methods of treatment such as homeopathy, Ayurveda, Siddha, and Unani, provided they are administered by a certified medical practitioner (NABH).
What Waiting Periods Are Waived Off?
| Waiver Type | Covered Conditions |
|---|---|
| Waiver of 30 days waiting period | Any illness in the first 30 days from the date of policy inception will be covered |
| Waiver of first year exclusion | Specified illness mentioned in the policy clause from the date of policy inception will be covered. eg. Gall bladder stones, Kidney stones, pancreatic stones, prostate, hernia, hydrocele, etc. |
| Waiver of first two-year exclusion | Specified illness mentioned in the policy clause from the date of policy inception will be covered. Eg. Cataract, ENT diseases, prolapse of inter vertebral, problems related to female genital organs, etc. |
| Waiver of Pre-existing disease exclusion | Expenses related to the treatment of a pre-existing Disease (PED) and its direct complications shall be covered from the date of inception of the policy |
Features of Star Group Health Insurance
The employer offers the Star Group Health Insurance to its employees. Those with this group medical insurance can also extend coverage to their family members, including their spouse, dependent children, parents, and parent in-laws. This insurance can be issued with or without co-pay to cover medical expenses for elderly parents and in-laws.
The group medical insurance policy provides a floater or individual sum insured to cover medical expenses for 24-hour in-patient hospitalization due to illness or accident, as well as daycare procedures. Additionally, employees have the option to choose an additional top-up cover to customize the insurance according to their specific needs.
- Floater Cover: One premium. One sum insured. All family members covered — spouse, kids, parents, in-laws.
- Cashless and Reimbursement Options: Use the policy at network hospitals without paying upfront. If you pay out-of-pocket elsewhere, you can get reimbursed by submitting required documents.
- Coverage Term: Valid for 1 year from the date of issue.
- Eligibility: Open to individuals of any age. No upper limit.
- Group Size Requirement: Policy is offered through your employer. Minimum group size: 7 people, including family members.
- Waiting Period: Waiver
Standard waiting times (30 days to 3 years) are skipped. Maternity expenses and other time-bound exclusions are also covered — a rare benefit in group health plans. - No Medical Test Needed: No pre-insurance medical checkup is required. Even people with existing health issues can get covered.
- Premium Details: Premium varies. It depends on the sum insured, added benefits, age, health risks, city, and other risk factors.
- Policy Type: Coverage depends on the plan selected by your employer. Policy types match those available to retail customers.
- Additions and Deletions: Allowed Mid-Term
New employees, spouses, or newborns can be added to the policy during the year. Most policies don’t allow this — Star Group does.
What’s Not Covered in Star Group Health Insurance
Some things aren’t included. Here’s what the policy won’t pay for:
Items listed under permanent exclusions in your policy document
Walkers, wheelchairs, vitamins, and tonics
Dental implants
Congenital external conditions
Consumables and non-payable items (like gloves, syringes, etc.)
Always read the policy schedule to know the full list. No fine print tricks — just facts.
What Is a Corporate Buffer?
A corporate buffer is an extra sum insured set aside for the whole group. It kicks in after an employee’s personal coverage is used up, but only for listed medical conditions. If your plan includes a family floater, the buffer can also help cover your spouse and children — with your employer’s approval.
- In-House Claim Settlement:
- Cashless Process Simplified
Star Health handles claims directly, without third-party hassles. Cashless treatment is available at network hospitals across India.
Here’s how it works:
- Find a Network Hospital
- For Planned Hospitalization
- Contact the hospital ahead of time (7–10 days in advance).
- Hospital submits a completed pre-authorization form.
- Include your contact number. Missing info delays approval.
- Contact the hospital ahead of time (7–10 days in advance).
- For Emergency Hospitalization
- Notify within 24 hours of admission.
- Notify within 24 hours of admission.
Whom to Contact for any assistance:
- Call Star Health Insurance Agent for any help: 7347595768
Information to Provide:
- Claim number (get it from the operator)
- Policy or customer ID
- Reason for hospitalization
- Hospital name
- Name of insured/patient
Claim Steps at the Hospital:
- Go to the insurance desk.
- Submit required documents.
- Hospital sends them to Star Claims Team.
- If approved, Star pays the hospital directly.
- You pay the balance (if any) and get discharged.
Whom do we recommend to buy Star Group Health Insurance?
Employees drive business growth. Companies now invest more in their health — both mental and physical — because a healthy team performs better.
A strong trend is clear: more employers offer health insurance as a core benefit. It shows value, builds loyalty, and supports retention.
Group health insurance isn’t just a perk. It shows that you value your people. It helps you attract talent, keep employees longer, and support them when it matters most. Covering their medical needs—even for things like a parent’s hospitalization—builds trust and loyalty. That translates to better work and stronger teams. We understand that you have those common questions in your mind that every HR manager or CEO of a company has. We want to address all of your questions.
Startups and Small Businesses
Startups with as few as 7 employees can offer group health insurance. Even if you’re just getting started, you’re eligible. A group medical policy works for teams of this size.
Offering this benefit pays off in two ways:
- It supports your team’s health and well-being.
- It qualifies as a tax-deductible business expense under Section 37(1) of the Income Tax Act.
That means better care for your people and smarter financial planning for your company.
You don’t have to be a big company to take care of your people. Group health insurance is possible, even for small teams. It’s good for your employees—and good for your business.
How to choose the best health Insurance for your employees?
A group health insurance plan can help you hire better and keep good people. But it’s not just about offering coverage. It’s about picking the right plan, one that adds value beyond basic benefits.
To get the most from group health insurance, focus on two things:
- Coverage that matters to your team.
- Extra services that increase long-term value.
A good plan does both—without wasting your budget. Before choosing a policy, take a step back. Understand what your team actually needs. The right insurance starts with knowing who you’re covering.
Waiting Periods in Star Group Health Insurance
Group health policies often come with waiting periods—conditions that aren’t covered for a set time after the policy starts. Knowing these exclusions helps you choose the right plan and avoid surprises later.
Standard Waiting Periods – Star Group Health Insurance
Here’s what’s usually excluded and for how long:
- Pre-existing conditions – 3 years
- Certain diseases (eye, ENT, female reproductive conditions) – 2 years
- Other conditions (hernia, piles, kidney stones) – 1 year
- Any illness diagnosed in the first 30 days – Not covered
Good news: These waiting periods can be waived in some group plans. Ask the insurer if waivers are available for your team.
Waiting Periods – Group Arogya Sanjeevani Policy (Star Health and Allied Insurance)
This policy has slightly different rules:
- Pre-existing conditions – 3 years
- Specified diseases (2-year wait):
- Cataracts and age-related eye issues
- ENT problems
- Hysterectomy
- Hernias
- Specified diseases (3-year wait):
- Joint replacements unless due to accidents
- Osteoarthritis and osteoporosis (age-related)
- First 30 days – No coverage for newly diagnosed conditions
Maternity Coverage
Star Group Health Insurance offers maternity and newborn cover as an add-on. This benefit supports employees during one of life’s most important phases. If your team is in the family-starting stage, this is a smart add.
Family Coverage
Covering families strengthens employee loyalty. It’s one of the most appreciated benefits, especially for teams in their 30s or with dependents.
But it’s not one-size-fits-all. Think practically:
- A young team in their 20s? Family coverage may not be top priority.
- A mid-career team with ageing parents and kids? Much more relevant.
A plan only works if people can use it when it matters. Take time to understand your team’s age, needs, and priorities—then build the plan around them.
Benefits of Star Group Health Insurance for Employees and Employers
Today’s employees expect more than just a salary. They want real support—especially when it comes to health. That’s where Star Group Health Insurance adds value.
This benefit became more important during the pandemic, especially after the Ministry of Home Affairs required companies to provide group health insurance. But even without mandates, it’s smart to offer it.
Benefits For Employees
A Star Group Health Insurance plan covers more than just hospital bills.
Key benefits include:
- Coverage for you and your family, depending on the policy
- No individual underwriting—faster approval
- Cashless hospitalisation at network hospitals
- Reduced stress during emergencies
- Peace of mind when a family member is hospitalised
Coverage may vary based on the premium. Some plans include maternity care, newborn cover, and pre-existing condition waivers.
For Employers
Offering group health insurance helps your business too. It’s more than a benefit—it’s a business decision.
Here’s what you gain:
- Lower absenteeism
- Better employee focus
- Higher retention
- Improved team morale
- Cost control through custom plans for small and large teams
Star Health and Allied Insurance offers flexible options you can adjust to fit your team’s size, needs, and budget.
Fewer Sick Days. Lower Costs.
Every sick day affects productivity. While you can’t prevent illness, you can speed up recovery. Star Group Health Insurance gives your employees quick access to quality care, helping them return to work faster. That means fewer lost days—and lower costs.
Helps You Attract and Keep Good People
Top talent compares benefits. Health insurance can tip the scale. When you offer medical cover, you show candidates that your company invests in people. It also makes existing employees think twice before leaving.
Boosts Job Satisfaction
Health insurance ranks high on the list of employee perks. When people feel cared for, they respond with loyalty and better performance. A solid group plan improves motivation, strengthens trust, and supports retention.
Support Your Team with Star Group Health Insurance
When your employees feel secure, they work better. Star Group Health Insurance helps you protect their health so they can focus on their work—not hospital bills.
Flexible Coverage
You can shape the plan to fit your team and budget. Choose the coverage level that works for your business, whether you have 7 people or 700.
Simple, Tech-Friendly Claims
No paperwork pile-ups. Star Health makes the claim process quick and easy with digital tools your team can actually use.
Smart Admin Dashboard
Manage your team’s health benefits in one place. Our admin dashboard gives you full control—add, update, and track with ease.
Why Choose Star Group Health Insurance?
- Fast claims: 89.9% of cashless claims settled in under 2 hours.
- Wide hospital access: 14,000+ network hospitals across India.
- Quick processing: 94% of claims handled within 30 days (FY 2021).
- No TPA delays: In-house doctors manage claims directly.
- Trusted performance: One of the best claim settlement ratios in the industry.
What Is a Star Group Mediclaim Policy?
A Group Mediclaim Policy is a health insurance plan that covers a group of people—usually employees and their families. It helps pay for medical costs related to illness, injury, or hospitalisation.
Key Features of Star Group Mediclaim Policy?
- Covers hospital bills, doctor fees, room rent, and pre/post-hospitalisation costs.
- Can extend to cover spouses, children, and parents of employees.
- Offers lower premiums compared to individual health plans.
- Provided as part of an employee benefits package
- Can also be used by companies, institutions, and associations.
Group Mediclaim Insurance Policy for Employees
A Group Mediclaim Policy helps protect your employees’ health while keeping costs under control. Here’s what makes it a smart choice:
1. Cost-Effective Premiums
Group policies spread risk across many people, which helps reduce the premium. It’s more affordable than individual plans.
2. Easy Claims Process
Claims move faster. With cashless options and simplified steps, your team gets treatment without delays.
3. No Pre-Medical Checks
Most group plans don’t require health screenings. This is a win for employees with pre-existing conditions.
4. Broader Coverage
These policies often cover hospital stays, surgeries, and sometimes even outpatient care.
5. Tax Benefits
Employers can claim deductions on the premiums paid under applicable tax laws.
6. Better Retention
A strong health plan helps you keep top talent. It shows you care—and employees stay longer.
7. Peace of Mind
Employees feel secure knowing they have support during health emergencies.
8. Custom Options
You can adjust the plan to match your team’s needs. Add family coverage, maternity, or other extras as required.
Why Group Medical Insurance Matters
A Group Medical Insurance Policy helps cover hospital expenses for employees who fall sick or meet with an accident. It supports both the employee and employer during health-related emergencies.
What Group Medical Insurance Covers
The policy typically includes:
- Room and boarding charges
- Nursing and doctor consultation fees
- Surgeon, anaesthetist, and specialist fees
- Surgical appliances and medical drugs
- Diagnostic tests, X-rays, and scans
- Treatment like dialysis, chemotherapy, and radiotherapy
Cost of pacemakers, artificial limbs, and similar medical needs
To qualify, the hospital stay must last at least 24 hours—unless it’s a listed day-care procedure that doesn’t require an overnight stay. This cover helps reduce out-of-pocket medical costs and keeps employees focused on recovery, not bills.
Group Medical Insurance Policy for Employees
A Group Medical Insurance Policy covers a team of employees under one health plan. It helps protect against medical costs while offering added benefits for the entire group.
Key Benefits
- Financial protection: Covers unexpected medical bills during illness or injury.
- Lower cost: Group pricing reduces the cost per person.
- Broad coverage: Includes hospital stays, doctor visits, tests, and surgeries.
- Family cover: Add spouses, children, or parents for extra peace of mind.
- Wellness perks: Some plans include health check-ups and preventive care.
This policy makes it easier for companies to support employee health without stretching the budget.
Features of a Group Medical Insurance Policy
A Group Medical Insurance Policy offers several useful features for companies looking to protect their teams and manage healthcare costs.
Key Features
- Covers pre-existing conditions: Many plans include instant cover with no waiting period.
- Cashless treatment: Employees can access hospitals in the network without paying upfront.
- Corporate buffer: Extra sum insured is available for high-cost medical emergencies.
Custom Plans
These policies can be adjusted to fit your company’s needs. Key factors include:
- Team demographics
- Industry benchmarks
- Company goals
- Budget planning
Smooth Claims Experience
Good plans offer fast and fair claim settlements. Many include:
- Hassle-free processing
- Strong hospital networks
- Third-party claim support
- Active customer service
Group medical cover keeps things simple—for both your employees and your HR team.
Limitations of Group Medical Insurance
While Group Medical Insurance offers solid benefits, it also has a few drawbacks that employers and employees should understand.
Common Limitations
- Outpatient treatment not covered: Most plans exclude routine OPD visits.
- Certain conditions excluded: Issues like asthma, bronchitis, and tonsillitis may not be included.
- Coverage cap applies: Claims are limited to the sum insured for each member.
Understanding these limits helps set the right expectations and encourages smarter plan selection.
How to Choose the Best Medical Insurance in India
Finding the best medical insurance in India means selecting a plan that aligns with your healthcare needs, financial situation, and long-term security goals. Here’s a comprehensive checklist to guide your decision:
1. High Claim Settlement Ratio
Look for insurers with a strong claim settlement record—a key indicator of trust and efficiency in settling claims quickly.
2. Lifetime Renewability
Opt for plans that offer lifetime renewability, ensuring continued protection regardless of age.
3. Co-Payment Clause
Review if there’s a co-payment clause—the portion of the bill you must pay. Plans without co-payment offer greater financial relief.
4. Sum Insured
Choose a sum insured that fits your current and future medical needs. Higher coverage usually means higher premiums but better protection.
5. Comprehensive Coverage
Select plans that cover:
- Hospitalization (pre & post)
- Surgeries
- Diagnostic tests
- Doctor consultations
- Daycare procedures
6. Minimal Waiting Periods
Shorter waiting periods for pre-existing conditions and specific treatments allow quicker claim eligibility.
7. Pre-Existing Disease Coverage
Understand the timeline before your pre-existing conditions become eligible for claims.
8. Compare Multiple Plans
Don’t settle for the first policy. Compare benefits, exclusions, premiums, and add-ons across providers.
9. Tax Benefits
Ensure the policy offers Section 80D tax benefits under the Income Tax Act for premiums paid.
10. Cashless Hospitalization
Go for plans with an extensive cashless hospital network, making hospital stays stress-free and paperless.
11. Wide Network of Hospitals
Check if the insurer has tie-ups with quality hospitals near your location for convenience during emergencies.
12. Pre and Post-Hospitalization Cover
The best plans offer coverage before admission and after discharge, including follow-ups, medication, and tests.
13. Age Flexibility
Select a plan that allows entry at older ages and is ideal for senior citizens or families with aging parents.
14. Smooth Claim Process
A simple and transparent claim process is critical—look for in-house claims teams and fewer documentation hurdles.
15. Preventive Health Check-Up
Choose a plan with annual preventive health check-ups, and verify if these are included without extra cost.
16. Family Floater Options
If insuring your family, opt for a family floater plan to enjoy broader coverage at a lower collective premium.
17. No-Claim Bonus (NCB)
Many insurers offer an NCB or cumulative bonus—an increase in sum insured for every claim-free year.
18. Affordable Premiums
Balance cost and coverage by choosing a premium structure that suits your budget without compromising on features.
19. Room Rent Limits
Review room rent sub-limits—this affects the type of hospital room you can opt for (private, semi-private, etc.).
20. Right Sum Insured
Don’t underinsure—choose a sufficient coverage amount that covers modern medical treatments and inflation.
21. Add-On Covers
Enhance your base policy with optional riders like:
- Critical illness cover
- Personal accident cover
- Maternity cover
- OPD cover
22. Wellness Benefits
Check for value-added services like teleconsultations, fitness rewards, wellness programs, and vaccination support.
23. Digital & Tech Support
Today’s best insurers offer digital tools, app-based claims tracking, and 24/7 support for a hassle-free experience.
By evaluating these 23 critical parameters, you can confidently choose a health insurance plan in India that safeguards your well-being and provides real value for your investment.
FAQ
In general, mid-year additions of dependents are not allowed, unless due to specific life events such as:
- Marriage (addition of spouse)
- Birth of a child (newborn addition)
- New employee joining the organization
Employee enrollments and exits can be updated as they join or leave the organization.
Eligibility is limited to recognized groups. The following are not eligible:
- A sole entrepreneur with no employees
- Self-employed individuals without a team
- Groups formed solely to obtain health insurance (artificial groups)
Premiums are influenced by several key factors, including:
- Total number of employees
- Age demographics
- Number of dependents covered
- Employee occupations
- Type and extent of coverage selected
Premiums are customized based on:
- Group size
- Employee age brackets
- Inclusion of dependents
- Coverage benefits chosen
You can get an instant quote by calling star health insurance agent at 7347595768
Yes, annual health check-ups can be included as part of the policy benefits. This feature must be selected at the time of policy issuance and may involve an additional premium.
Yes. Maternity benefits can be added as an optional cover, including:
- Normal and C-section delivery expenses
- Expenses related to legal termination of pregnancy
- Complications from childbirth
Coverage may start from day one or after a 9-month waiting period, depending on the plan selected.
