Claim Process - Star Health Insurance

  1. Intimation
  2. Compilation/ Submission of claim file 

How to intimate travel claim with Star Health Insurance

Immediate assistant should be done to Coris Heritage Asia Pacific Pvvt Ltd.
Claim Helpline
1800 425 2255
Nearest Branch

Details required for Registration/ Intimation of Claim

To register a claim/seek assistance through the above contact points, the following information has to be provided to the customer support executive:-
  • Name of treating doctor
  • Name &Telephone number of the hospital
  • Policy number
  • Date of issue

Points to Remember

  • Assistance service provider is to be intimated in the event of any treatment, non intimation may invalidate the claim. 
  • Cashless will be extended for all in-patient treatments only when service provider is intimated & pre approval obtained (as per policy T & C)
  • OPD Claims  & claims other then In-Patient will be reimbursed upon return to India.
  • Policy does not cover traveling abroad for obtaining medical treatment & travelling against medical advice.
  • Assistance service provider is to be intimated in the event of any treatment, non intimation may invalidate the claim. 
  • Cashless will be extended for all in-patient treatments only when service provider is intimated & pre approval obtained (as per policy T & C)
  • OPD Claims  & claims other then In-Patient will be reimbursed upon return to India.
  • Policy does not cover traveling abroad for obtaining medical treatment & travelling against medical advice.

The claim file has to be submitted at the below mentioned addresses within 30 days after returning to home.

The claim file has to be submitted at the below mentioned addresses within 30 days after returning to home.
Courier Address
Heritage Health TPA PVT LTD, Elite house ,54-A,ground floor,behind crisil house, Andheri –kurla road,chakala,Mumbai-400093.India




List of Documents

Emergency Medical Expenses, Emergency Medical Transportation and Transportation of Mortal Remains

  • Hospital bills

  • Receipts in Original 

  • Discharge Certificate of Hospital (original) Cash Memos from the Hospital / Chemist (s) supported by proper prescription clearly showing the diagnosis or ailment Receipts and Pathological Reports

  • Certificate from the attending doctor that the patient is fully recovered 

  • Treatment taken on different dates for separate ailments will be treated as separate claims

  • The claims form should clearly indicate the same and supporting documents should be provided for each one deductible will apply for each claim separately.

  • For Transporting the Mortal Remains to the Country of Residence or of the costs of burial abroad, an official death certificate and a physician's statement giving the cause of death needs to be submitted. 

  • For reimbursement of extra expenses of Transportation of Insured to the Country of  Residence, a medical statement from a qualified & registered Physician indicating the cause of illness and the necessity of the transportation needs to be submitted. Medical statements from relations or spouses will not be accepted. Original bills/receipts of the expenses incurred need to be submitted also. These would be paid as per the usual and customary charges incurred for the same.

Dental Emergency Assistance

  • Bills/ vouchers/ reports giving the details of the tooth treated and the treatment performed. 

  • Treatment taken on different dates for separate ailments will be treated as separate claims. 

  • The claims form should clearly indicate the same and supporting documents should be provided for each one. 

  • Deductible will apply for each claim separately 

  • Personal Accident Section Police Report, Death Certificate (if Applicable)

  • Original bills/ vouchers/ reports/ discharge summary that are submitted, must mention the name of the person treated, the cause of Accident, details of the individual items of medical treatment provided and the dates of treatment. 

  • Post mortem report, if applicable, shall also be submitted. 

Loss of Checked-in baggage

  • Property Irregularity Report or other report usually issued by the carriers in the event of loss of Checked-in baggage will need to be submitted with the claim form along with a letter from the airline stating the compensation received from them for the lost baggage. 

  • Adequate proof of value of items contained within Checked-in baggage valued in excess of US $ 100 for loss/delay of Checked-in baggage will need to be submitted.

Flight Delay

  • Confirmation from the airline, clearly mentioning the scheduled arrival time and the actual arrival time and the reason for delay the flight. All the bills / receipts of reasonable additional expenses incurred shall be submitted to the Company.

Loss of Passport

  • Police Report and statement of expenses for Emergency Passport / Travel Documents along with original bills submitted.

Delay Of Checked-in baggage

  • Original bills of emergency items purchased, and the property Irregularity report or any other such report from the airline stating the date and time of arrival of delayed baggage.

Personal Liability

  • Details of Incident and proof of judicial decision rendered by a court of law.

Aircraft Hijacking

  • Proof of Travel on the Aircraft, Newspaper cutting or any other proof of Hijack of the Aircraft.

Missed Departure/Connection

  • Confirmation from the airline, clearly mentioning the reason for missed departure of the flight, including personal letter by the Insured along-with the verification of the cause by the Police / Recognized Authority.

  • All the bills / receipts of reasonable additional expenses incurred shall be submitted to the Company in original.

Process of Claim

01
The treatment is to be intimated with respective service providers within prescribed timelines.
02
All prescriptions, investigation reports & medicine bills are to be kept handy.
03
The claim file is to be prepared with ref to check list & to be submitted upon return to India.
06
Duly filled claim forms along with all necessary documents are to be submitted within prescribed timelines.
05
Insurer will inform about any deficiency within 7 days.
04
Post receiving of all required info, the claim will be processed within 30 days.
07
If the claim is approved, amount will be transferred within 30 days.
08
If the claim is rejected, letter with details are to be shared with Insured.
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