STAR Health and Allied Insurance

The massive leap in technology, transport and communication in the last few years has made traveling very easy. Every day there are hundreds of people moving across borders but easy travel doesn't necessarily imply traveling without any risks. Insurance companies offer travel insurance to travelers which protects them from accidents, medical emergencies and even bijou emergencies such as flight and baggage delays and lost passport. Star Health Travel Insurance is considered to be one of the most reliable insurance company in the market which lets you travel risk-free. Star Health and Allied Insurance Company started its operations in 2006 and the company is headquartered in Chennai. Other than travel insurance, Star Health also offers accident care and health insurance.

Benefits and Features of Star Health Travel Insurance Policy

• Offering high-quality service at affordable rates is the primary motive of Star Health Insurance. Here's what makes Star Health Travel Insurance stands out in the multitude of companies in the insurance market, and why it is considered to be an excellent choice while buying travel insurance.

• This company has more than 290 Branch Offices across the country

• Health Insurance Products and services range from Family Floater Schemes to Senior Citizen Health Coverage

• Personalized Visits by Physicians for insured customers who are hospitalized

• The extensive network base makes sure that you get the compensation Facilities and Cashless Hospitalization at 7000+ hospitals across India.

• Superquick approvals of claims

• You can get 90% of all cashless claim approval under an hour

• Hassle-free settlement

• It's easy to make a direct claim settlement without any intervention

• The company’s achievements have been acknowledged by several awards including ‘Health Insurance Company Of The Year' in 2015, ‘Most Promising Health Insurance Company' in 2014 and ‘Claims Service Company Of The Year' in 2014. Hindustan MaRs Survey has also rated the company as the Best Claim Settlement Insurer.

Types of Star Health Travel Insurance Policy

Star Health Insurance acknowledges the fact that their customers have a variety of requirements while they're searching for Travel Insurance. Star Health Insurance offers different plans; each scheme uniquely crafted to suit their customer's requirements.

• Star Travel Protect Insurance

• Star Family Travel Protect Insurance

• Star Student Travel Protect Insurance

Star Travel Protect Insurance Policy

• This policy covers Health-related emergencies while traveling. Delay in flights, missed flights, emergency expenses, repatriation, compensation for accidental injuries are covered under this policy.

• This policy can be bought for anyone who is above the age of 6 months.

• Only Indian citizens can avail the policy

• Policyholders who are traveling outside India on business or vacation can use this policy. A general cover also includes incidents such as hijack distress, repatriation, medical emergencies, flight delay.

• It also covers third-party injuries and property loss. The company can reimburse monetary loss due to trip cancellation because of the death/injury of a family member.

Star Family Travel Protect Insurance Policy

• Star Family Travel Protect Insurance Policy is tailor-made for protecting you and your entire family while traveling. You and your loved ones will stay protected against common traveling issues such as lost luggage, passports etc. Everyone under this policy will be covered for any illnesses they could catch while traveling as well.

• Family Protect Insurance scheme can be availed by all family members aged 6 months-60 years.

• This policy exclusively covers the insured person, his/her spouse and two dependent children below 18 years.

• If you want, you can pay an additional 25% of the premium for adding another child to the cover. You can add up to two other dependents with this plan.

Star Student Travel Protect Insurance Policy

• If you're planning on getting your education from abroad, there are several risks that you might face like medical emergencies, bereavement, litigation hazards etc. Star Student Travel Protect Insurance Policy provides coverage to you in all such cases.

• You'll be compensated for the tickets to fly to your home country if there's an emergency

• Under compassionate benefits, visit of a family member and compensation for the academic tuition fee if the sponsor dies also offered with this student travel insurance policy.

• The costs linked with legal claims including the cost of a bail bond (for false arrest or detention) is also covered under this policy.

• If the insured has survived any bodily injury to a third-party or damage to third-party property, the costs are covered.

Star Corporate Travel Protect Insurance Policy

• Traveling across the globe for business is a norm nowadays, and there are many risks blended with such trips. Delayed baggage, accidental injuries, missed flights etc are some of the risks covered under this policy.

• The eligibility for this policy requires the applicant to be at least 18 years old and an Indian resident

• This scheme is available for a sum insured caps of USD 1,00,000, USD 2,50,000 and USD 5,00,000. This corporate insurance plan is available for corporate trips to countries across the world which includes Canada and USA.

• Costs linked with flight delay such as travel and accommodation charges due to a missed connecting flight

• Emergency purchase of consumable items due to delay in baggage for more than 12 hours is also covered under this policy

• Dental emergency expenses, accidental injuries and the charges for hijack distress is also covered.

Star Health Travel Insurance Policy Eligibility

The eligibility differs for each policy, the eligibility rules have been described below:

• For Star Travel Protect Insurance Policy, the eligibility criteria state that any Indian citizens who are over six months old is eligible to apply.

• To be eligible for Star Family Travel Protect Insurance Policy, an individual, his/her spouse and two dependent children who are below 18 years old can be covered. All people who fall under this policy's coverage must be residents of India.

• Star Student Travel Protect Insurance Scheme can be purchased by students planning on studying abroad. The student should be an Indian citizen. By paying an additional 25% of the premium, the family can add another dependent to the policy. You can add two additional dependent children under 18 years under this scheme.

• Star Corporate Travel Protect Insurance Plan can be purchased by corporate employees more than 18 years old who are traveling abroad for business. He/she should be an Indian citizen.

Star Health Travel Insurance Cover

The following emergencies are covered in this policy

• Medical Emergencies

• Hijack Distress

• Compensation for accidental injuries

• Repatriation of mortal remains back to the home country

• Repatriation to the home country if there's a medical emergency

• Missed connection/departure

• Dental emergency sustained due to an accident

• Loss of checked-in baggage(up to the limits)

• Reasonable expenses incurred for acquiring a new passport

• Loss due to a Flight delay

• Cancellation of your trip due to the death of a family member or bodily injury is also compensated under this policy.

• Buying consumables due to delay of checked in baggage are also covered

• Legal Liability charges are covered under this policy

Star Health Travel Insurance Claim Process

With Star Health Travel Insurance, the travel insurance claim procedure is straightforward. You can call the toll-free number to reach out to the Star Health Insurance claims assistance. After you have contacted them, you can give the details of your policy and then register the claim.

You'll be asked to fill out the claims form and send it via fax or mail, along with the necessary documents depending on the difficulty.

The necessary standard documents that you must keep handy before making a claim are:

A copy of passport with an immigration stamp

• Copy of the policy document

• Original bills/invoices/receipts

• Copy of the FIR, if applicable

• An approval and reference number of the assistance

• Proof of expenditure (receipts of all the items purchased)

• A copy of your e-ticket.

• After the surveyor has evaluated your case and all the necessary documents, your claim is processed.

Star Health Travel Insurance FAQs

Is it mandatory for corporates to get their medical tests done before acquiring a travel insurance policy?

Usually, a medical test isn't required. However, if an individual is above 65 years or if their medical history is poor a few basic tests must be taken. The maximum age limit could be relaxed depending on the case.

What is the eligibility criteria for getting a corporate travel insurance policy?

• The applicant should be a corporate executive.

• The corporate must be a resident of India and above 18 years

• The insured must travel abroad for business purposes

In case of a flight delay, what expenses are covered?

If your flight is delayed for more than 6 hours due to any reasons, substitute transportation costs for the least expensive class and costs incurred for the meals and accommodation up to $50 each day is covered.

What are the necessary documents for making the personal accident claim?

You'll need to submit documents supporting the nature of your claim. For making a claim under personal accident section, you need to provide documents such as, police report, post mortem report (if applicable), death certificate, original copy of your medical bills and prescription signed by the doctor, copy of your e-ticket, copy of the policy document and a copy of passport bearing an immigration stamp.

What is 'hijack distress cover' as mentioned in the policy?

For delay in the trip for more than 12 hours caused due to hijacking, a lump-sum will be offered for each day of delay.

What are the expenses payable if there's a dental emergency?

Costs contracted for an acute anesthetic treatment due to an accident is covered under this policy.

What are the documents that I need to submit with the claims form if I lose my passport?

You'll be needed to submit a copy of the police complaint, a copy of the policy document, a copy of your e-ticket, copy of the passport you lost and the intimation letter to the passport office. Cost of acquiring duplicate travel documents and passport along with the claims form is also covered under this policy.

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