Postclic unlimited subscription: promo at Rs 92,44 for 48h with a mandatory first month at Rs 5.032,79, then Rs 5.032,79 per month without commitment
Cancel STAR HEALTH
in 30 seconds only!
Cancellation service #1 in India
4.9Calculated on 5.6K reviews
I hereby notify you of my decision to terminate the contract relating to the Star Health service.
This notification constitutes a firm, clear and unequivocal intention to cancel the contract, effective at the earliest possible date or in accordance with the applicable contractual period.
Please take all necessary measures to:
– cease all billing from the effective date of cancellation;
– confirm in writing the proper processing of this request;
– and, if applicable, send me the final statement or balance confirmation.
This cancellation is addressed to you by certified e-mail. The sending, timestamping and content integrity are established, making it a probative document meeting electronic proof requirements. You therefore have all the necessary elements to proceed with regular processing of this cancellation, in accordance with applicable principles regarding written notification and contractual freedom.
In accordance with personal data protection rules, I also request:
– deletion of all my data not necessary for your legal or accounting obligations;
– closure of any associated personal account;
– and confirmation of actual data deletion according to applicable privacy rights.
I retain a complete copy of this notification as well as proof of sending.
Important warning regarding service limitations
In the interest of transparency and prevention, it is essential to recall the inherent limitations of any dematerialized sending service, even when timestamped, tracked and certified. Guarantees relate to sending and technical proof, but never to the recipient's behavior, diligence or decisions.
Please note, Postclic cannot:
- guarantee that the recipient receives, opens or becomes aware of your e-mail.
- guarantee that the recipient processes, accepts or executes your request.
- guarantee the accuracy or completeness of content written by the user.
- guarantee the validity of an incorrect or outdated address.
- prevent the recipient from contesting the legal scope of the mail.
Cancellation Star Health: Easy Method
What is Star Health
About the insurer
Star Health is an Indian health insurance company that offers individual, family and specialised health covers for medical expenses. Policies include cashless hospitalisation, reimbursements and various sum-insured options.
What this guide covers
This guide explains how to cancel a Star Health policy, refund rules, your consumer rights in India and practical steps to complete a cancellation. It summarises common user experiences and documentation you will likely need.
How to cancel Star Health
Cancel during the free-look period
- If you cancel within 30 days of receiving the policy document (free-look), you can request cancellation and a refund.
- Refunds during free-look are made after deductions for stamp duty, any medical test charges and a proportionate risk premium for the coverage period.
- Follow the insurer’s dedicated free-look cancellation page or submit a written request to customer support for processing.
Cancel after the free-look period
- You may cancel a policy at any time. Refund amounts after the free-look period are typically proportionate to the unexpired risk and depend on how long the policy was active.
- Typical refund schedule: if cancelled within one month after the free-look period, approximately 75% of premium may be refunded; within three months, approximately 50% may be refunded (subject to policy terms).
- To cancel after free-look, contact customer support by email or phone and submit a written cancellation request with required documents.
How to contact for cancellation
- Email: support@starhealth.in (use for formal written requests).
- Toll-free: 1800-1425-2255 (for guidance and follow-up).
- You can also send a signed cancellation letter to the insurer’s registered office or use the policy portal if available.
What happens when you cancel
Access to benefits and claims
Once a policy is cancelled, future claims are not admissible under that policy. Ongoing approvals or authorisations may be withdrawn depending on insurer rules.
Renewals and portability
Cancelling ends the current contract; if you plan to switch insurers, check portability rules and waiting periods before cancelling. Porting and cancellation issues have caused delays in some user reports.
Data and records
The insurer retains policy records and transaction details per regulatory and internal retention policies. Request written confirmation of cancellation and refund timelines for your records.
Will I get a refund?
Refund during free-look (within 30 days)
If you cancel within the 30-day free-look period you are eligible for a refund of the premium paid after deducting stamp duty, medical test costs and a proportionate risk premium for the coverage period.
Refund after free-look and common exceptions
- Refunds after free-look are typically prorated. Common examples: within 1 month after free-look ~75% of premium; within 3 months ~50% of premium (subject to policy wording).
- No refund may be available if cancellation is due to misrepresentation, non-disclosure or fraud as determined by the insurer.
- Delays in refund processing have been reported; keep records and follow up via email and phone. Consumer forums have ordered payments where rejections or delays were arbitrary.
Star Health plans and pricing
Price overview
Below are representative premium ranges published for a selection of Star Health plans. Actual premium depends on age, location, sum insured, riders and underwriting.
How to use this table
Use the plan names and sample price ranges to compare approximate costs. Contact Star Health for exact quotes and to confirm taxes and final premium.
| Plan | Price (INR) | Period | Key features |
|---|---|---|---|
| Star Health Assure Insurance Plan (example) | ₹6,200 - ₹14,500 | Annual | Sum insured: 5L, 10L, 25L, 50L; family floater discount for 3+ members |
| Star Health Super Star Plan (approximate) | ₹4,800 - ₹30,000 (annual) or ₹400 - ₹2,500 (monthly est.) | Annual / Monthly | Sample premium ranges by sum insured and age |
| Star Health Family Health Optima (1 Adult + 1 Child) | ₹9,180 - ₹35,590 | Annual | Premium varies by age band and sum insured (5L - 25L); excludes tax |
| Star Health Comprehensive Plan (1 Adult + 1 Child) | ₹9,180 - ₹35,590 | Annual | Separate plan label with similar premium ranges; excludes tax |
Your consumer rights in India
Key legal protections
- You have the right to clear disclosure of policy terms, exclusions and any deductions applied to refunds or claim settlements.
- If a claim is wrongly denied or handled unfairly, you may approach the insurer’s grievance mechanism, the Insurance Regulatory and Development Authority (IRDAI), or consumer forums/commissions.
Precedents and remedies
- Consumer courts have ordered Star Health to pay claims, interest and compensation where rejections were arbitrary or exclusions were not clearly disclosed.
- Court decisions show insurers cannot substitute their judgment for treating physician decisions on necessity of hospitalisation; such disputes can be contested in consumer forums.
Customer experiences
Positive experiences
- Some customers report smooth handling of urgent treatments, timely cashless approvals and large claim settlements.
- There are accounts of efficient support during COVID hospitalisations and successful high-value claims.
Negative experiences
- Frequent complaints relate to poor customer service, slow or delayed refunds, unhelpful app experience and lack of transparency in claim rejections.
- Numerous users report repetitive follow-ups without resolution and occasional hostile interactions with support staff.
Documentation checklist
What to include in a cancellation request
- Signed cancellation request / application with policy number and reason for cancellation.
- Copy of the policy document and the original receipt of premium payment.
- Bank account details or cancelled cheque for refund processing (NEFT/IFSC information).
Additional documents that may be required
- Identity proof (Aadhaar, PAN, passport) and address proof as per insurer requirements.
- Medical reports or test charges receipts if deductions are disputed.
- Any correspondence with the insurer (emails, reference numbers, grievance acknowledgements).
Common mistakes
Delaying the cancellation or documentation
Waiting too long to submit a cancellation request or incomplete documentation can delay refunds. Always include the policy number, full bank details and a signed application.
Not reading exclusions or policy wording
Policyholders sometimes expect full refunds or claim acceptance without checking exclusions, waiting periods or conditions related to misrepresentation. Read the policy thoroughly before cancelling.
Comparative recap
Quick facts comparison
| Feature | Star Health (summary) |
|---|---|
| Free-look period | 30 days from receipt of policy document; refund after standard deductions |
| Refund during free-look | Premium minus stamp duty, medical test charges and proportionate risk premium |
| Refund after free-look | Proportionate refund; common examples: ~75% within 1 month, ~50% within 3 months (subject to policy) |
| Contact for cancellation | Email support@starhealth.in; Toll-free 1800-1425-2255; written request to office |
| Common user issues | Customer-service delays, refund processing delays, claim rejections disputed in consumer forums |
After cancelling
Follow-up and confirmation
After submitting a cancellation request, get written confirmation with a reference number and an expected refund timeline. Keep all emails and receipts until refund is received and reconciled.
If you face problems
- Follow up by email and phone citing your cancellation reference and policy number.
- If the insurer delays or denies a legitimate refund, you may escalate to the insurer’s grievance redressal officer, IRDAI grievance portal, or file a complaint with the appropriate consumer forum.
Address
Corporate office
No. 1, New Tank Street, Valluvar Kottam High Road, Nungambakkam, Chennai 600034, India.
Contact for cancellations & support
- Email: support@starhealth.in
- Toll-free: 1800-1425-2255