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Star Comprehensive Insurance Policy

  •  No cap on room rent and treatment cost.
  •  Covers medical expenses incurred on Bariatric surgical procedures and its complications.
  •  Air ambulance assistance, Second medical opinion are covered.
  •  Cost of health check up for every block of 3 claim free years.
  •  Cover for  maternity (normal and caesarean delivery) and New born baby.
  •  Automatic restoration of entire Sum insured by 100%.
  •  Dental / ophthalmic cover on OPD basis.
  •  Hospital cash benefit.
  •  Cover for over 400 day care procedures.
  •  Personal accident cover against Death and Permanent total disablement (equal to the Health Insurance cover) at no additional cost.
  • 100% Increase in Sum Insured upon a claim free renewal

IRDA/NL-HLT/SHAI/P-H/V.III/398/14-15

Recharge Benefit

Section 1:
  • Hospitalization cover protects the insured for in patient hospitalization expenses for a minimum period of 24 hrs. These expenses include room rent (Single Standard A/C room), nursing and boarding charges, Surgeon, Anesthetist, Medical Practitioner, Consultants, Specialist fees, Cost of Medicines and Drugs.
  • Ambulance charges for emergency transportation to hospital as per specified limits.
  • Air Ambulance Benefit: Permitted up to 10% of the Sum Insured opted, during one policy period, applicable for sum insured of Rs.7.5 lakhs and above only.
  • Pre hospitalization expenses up to 30 days prior to admission in the hospital
  • Post hospitalization expenses up to 60 days after discharge from the hospital
  • Out-patient consultation (other than dental and ophthal) expenses up to limits mentioned in the table of benefits
  • Coverage for Domiciliary hospitalization for a period exceeding three days.
Section 2:
  • Expenses for Delivery - including Pre-natal and Post natal expenses up-to the limits specified. A waiting period of 36 months of continuous coverage under this policy with Star will apply.
  • Automatic coverage for the New Born (including internal and external congenital problems) up to the expiry of the current policy (On renewal this new born baby should be covered specifically)
  • Vaccination expenses for the New Born upto Rs.1000/- payable.
Section 3: Outpatient Dental, Ophthalmic treatment
  • Dental / Ophthalmic treatments as an out-patient - once in a block of every three years irrespective of whether a claim is made or not.
Section 4: Hospital Cash
  • Hospital cash benefit for each completed day of hospitalization.
Section 5: Health Check up
  • Cost of Health Check-up once after a block of every three claim-free years
Section 6: Bariatric Surgery
  • Expenses incurred on hospitalization for bariatric surgical procedure and its complications thereof are payable subject to a maximum of Rs.2,50,000/- during the policy period.
  • This maximum limit of Rs.2,50,000/- is inclusive of pre-hospitalization and post hospitalization expenses.
  • Claim under this section shall be processed only on cashless basis.
  • Coverage under this section is subject to a waiting period of 36 months and payable only while the policy is in force
Section 7: Accidental Death and Permanent Total Disablement
  • Cover against Accidental Death
  • The person chosen by the Proposer at the time of payment of premium as mentioned in the schedule herein is covered for Personal Accident
  • The sum insured for this section is equal to the sum insured opted for the Health insurance.
Section 8: Option for Second Medical Opinion
  • The Insured Person is given the facility of obtaining a Second Medical Opinion in electronic mode from a Doctor in the Company's network of Medical Practitioners
  • Medical records can be sent to the mail id e_medicalopinion@starhealth.in
Automatic Restoration of Sum Insured (Applicable for Section 1 Only)​
  • Upon exhaustion of Basic sum insured and the Bonus, sum insured will be automatically restored by 100% once policy period. Such restored Sum Insured can be utilized only for illness / disease unrelated to the illness / diseases for which claim/s was / were made.
  • Such restoration will be available for section 1 other than Section 1G.
Bonus: 

Following a claim free year bonus at 50% of the basic sum insured (max.100%) would be allowed. Where there is a claim the Bonus would be reversed in the same order in which it was given.

Eligibility

  • Persons between 18 years and 65 years of age at the time of entry can take this Insurance. Dependent children can be covered from 3 months and up to 25years of age. There is no upper age limit for continuous renewals.
  • This policy is both on Individual basis and on Family Floater basis. Family for the purpose of this policy means self, spouse and dependent children, not exceeding 

General Terms

Co-Payment:

10% of each and every claim for persons above 60 years at entry level and their subsequent renewals.

 

Tax Benefits:

Amount paid by any mode other than by cash for this insurance is eligible for relief under Section 80D of the Income Tax Act.

 

Free look period:

A free look period of 15 days from the date of receipt of the policy is available to the insured to review the terms and conditions of the policy. In case the insured is not satisfied with the terms and conditions, the insured may seek cancellation of the policy and in such an event the Company shall allow refund of premium paid after adjusting the cost of pre-acceptance medical screening, stamp duty charges and proportionate risk premium for the period concerned provided no claim has been made until such cancellation.

Free look cancellation is not applicable at the time of renewal of the policy.

 

NOTE: Renewal premium, terms and conditions are subject to change with prior approval from IRDA.

Star Advantage

  • No third Party Administrator, direct in-house claim settlement.
  • Faster & hassle-free claim settlement.
  • Cashless hospitalization wherever possible.
  • Network of more than 7800 hospitals across India.
  • 24x7 Toll Free Helpline.
  • Information on health through free health magazine.
  • Facility for maintaining personal health records in electronic format.

NOTE: The benefits mentioned herein are only an outline of the policy. For details please contact your nearest Star Health office or call toll free no 1800 425 2255 / 1800 102 4477.

Premium Chart

Premium Excluding Service Tax
Sum Insured Rs.5,00,000
Plan Type Age Band (Years) RENEWALS ONLY
3months-35 36-45 46-50 51-55 56-60 61-65 66-70 71-75 Above 75
1A 7015 8075 13200 16100 18700 25750 35315 41410 54235
1A+1C 9180 10120 14240 16190 19700 31420 39280 51070 66400
1A+2C 10950 12020 19480 20510 23580 36990 46240 60120 78160
1A+3C 15590 17060 23460 26900 30270 41360 51700 67210 87380
2A 10420 12120 22400 23640 28560 38800 48500 63050 81970
2A+1C 13170 14340 23540 25810 31070 49800 62250 80930 105210
2A+2C 14800 16410 25390 28170 33330 53400 66750 86780 112820
2A+3C 17000 19150 28510 31200 36430 56000 70000 91000 118300
Premium Including Service Tax @ 15%
Sum Insured Rs.5,00,000
Plan Type  Age Band (Years) RENEWALS ONLY
3months-35 36-45 46-50 51-55 56-60 61-65 66-70 71-75 Above 75
1A 8067 9286 15180 18515 21505 29613 40612 47622 62370
1A+1C 10557 11638 16376 18619 22655 36133 45172 58731 76360
1A+2C 12593 13823 22402 23587 27117 42539 53176 69138 89884
1A+3C 17929 19619 26979 30935 34811 47564 59455 77292 100487
2A 11983 13938 25760 27186 32844 44620 55775 72508 94266
2A+1C 15146 16491 27071 29682 35731 57270 71588 93070 120992
2A+2C 17020 18872 29199 32396 38330 61410 76763 99797 129743
2A+3C 19550 22023 32787 35880 41895 64400 80500 104650 136045
Premium Rating
Sum Insured Rs.7,50,000
Plan Type  Age Band (Years) RENEWALS ONLY
3months-35 36-45 46-50 51-55 56-60 61-65 66-70 71-75 Above 75
1A 8540 10125 16865 19635 22885 30625 40830 49255 64190
1A+1C 11340 12340 17170 20600 26880 37660 47080 61210 79580
1A+2C 13330 14490 23330 24600 29470 44059 55080 71610 93100
1A+3C 18990 20620 28840 33550 38010 49066 61340 79750 103680
2A 13310 16330 28020 29520 35670 47030 58790 76430 99360
2A+1C 16660 18450 29320 32280 38310 59235 74050 96270 125160
2A+2C 18480 20260 31500 34950 41350 64384 80480 104630 136020
2A+3C 21020 22980 34470 38380 45430 66731 83420 108450 140990
Premium Rating
Sum Insured Rs.7,50,000
Plan Type  Age Band (Years) RENEWALS ONLY
3months-35 36-45 46-50 51-55 56-60 61-65 66-70 71-75 Above 75
1A 9821 11644 19395 22580 26318 35219 46955 56643 73819
1A+1C 13041 14191 19746 23690 30912 43309 54142 70392 91517
1A+2C 15330 16664 26830 28290 33891 50668 63342 82352 107065
1A+3C 21839 23713 33166 38583 43712 56426 70541 91713 119232
2A 15307 18780 32223 33948 41021 54085 67609 87895 114264
2A+1C 19159 21218 33718 37122 44057 68120 85158 110711 143934
2A+2C 21252 23299 36225 40193 47553 74042 92552 120325 156423
2A+3C 24173 26427 39641 44137 52245 76741 95933 124718 162139
Premium Rating
Sum Insured Rs.10,00,000
Plan Type Age Band (Years) RENEWALS ONLY
3months-35 36-45 46-50 51-55 56-60 61-65 66-70 71-75 Above 75
1A 9725 11775 19865 22395 26170 34295 44745 55170 71625
1A+1C 13250 14670 20710 24590 32300 44972 56220 73090 95020
1A+2C 15000 16540 26920 29040 35060 47226 59040 76760 99790
1A+3C 20950 23030 33250 39250 44900 60670 75840 98600 128180
2A 15560 18840 33860 35830 43470 57270 71590 93070 121000
2A+1C 19110 21510 34910 38750 45540 72987 91240 118620 154210
2A+2C 20920 23520 37090 41610 49570 77414 96770 125810 163560
2A+3C 23630 26210 39480 44000 54150 81103 101380 131800 171340
Premium Rating
Sum Insured Rs.10,00,000
Plan Type Age Band (Years) RENEWALS ONLY
3months-35 36-45 46-50 51-55 56-60 61-65 66-70 71-75 Above 75
1A 11184 13541 22845 25754 30096 39439 51457 63446 82369
1A+1C 15238 16871 23817 28279 37145 51718 64653 84054 109273
1A+2C 17250 19021 30958 33396 40319 54310 67896 88274 114759
1A+3C 24093 26485 38238 45138 51635 69771 87216 113390 147407
2A 17894 21666 38939 41205 49991 65861 82329 107031 139150
2A+1C 21977 24737 40147 44563 52371 83935 104926 136413 177342
2A+2C 24058 27048 42654 47852 57006 89026 111286 144682 188094
2A+3C 27175 30142 45402 50600 62273 93268 116587 151570 197041
Premium Rating
Sum Insured Rs.15,00,000 
Plan Type  Age Band (Years) RENEWALS ONLY
3months-35 36-45 46-50 51-55 56-60 61-65 66-70 71-75 Above 75
1A 12225 14275 22365 26410 30985 40610 49335 61935 79810
1A+1C 16230 18400 25710 29590 37300 51472 61770 80310 104410
1A+2C 19000 21540 31920 34040 42060 53726 64480 83830 108980
1A+3C 26450 29530 43250 50250 58900 73170 87810 114160 148410
2A 19560 22840 37860 40330 47970 61770 74130 96370 125290
2A+1C 23760 26510 39910 44250 51040 81737 98090 127520 165780
2A+2C 25560 28520 42090 46610 55070 86164 103400 134420 174750
2A+3C 30630 33210 46480 51500 65150 93603 112330 146030 189840
Premium Rating
Sum Insured Rs.15,00,000 
Plan Type  Age Band (Years) RENEWALS ONLY
3months-35 36-45 46-50 51-55 56-60 61-65 66-70 71-75 Above 75
1A 14059 16416 25720 30372 35633 46702 56735 71225 91782
1A+1C 18665 21160 29567 34029 42895 59193 71036 92357 120072
1A+2C 21850 24771 36708 39146 48369 61785 74152 96405 125327
1A+3C 30418 33960 49738 57788 67735 84146 100982 131284 170672
2A 22494 26266 43539 46380 55166 71036 85250 110826 144084
2A+1C 27324 30487 45897 50888 58696 93998 112804 146648 190647
2A+2C 29394 32798 48404 53602 63331 99089 118910 154583 200963
2A+3C 35225 38192 53452 59225 74923 107643 129180 167935 218316
Sum Insured Rs.20,00,000/- 
Plan Type  Age Band (Years)
3months-35 36-45 46-50 51-55 56-60 61-65 66-70 71-75 Above 75
1A 14100 16150 24435 29875 34920 44780 51730 64940 83680
1A+1C 18730 20900 28210 32590 40300 58431 70120 91160 118510
1A+2C 21630 24810 34920 37040 45560 76588 91910 119490 155340
1A+3C 29810 33640 48250 55250 64400 94745 113700 147810 192160
2A 22560 25840 40860 43330 50970 64770 77730 101050 131370
2A+1C 26760 29510 42910 47450 54540 97237 116690 151700 197210
2A+2C 28560 31520 45090 50110 58570 101664 122000 158600 206180
2A+3C 35090 37710 50980 56000 70650 109103 130930 170210 221280
Sum Insured Rs.20,00,000/- 
Plan Type  Age Band (Years)
3months-35 36-45 46-50 51-55 56-60 61-65 66-70 71-75 Above 75
1A 16215 18573 28100 34356 40158 51497 59490 74681 96232
1A+1C 21540 24035 32442 37479 46345 67196 80638 104834 136287
1A+2C 24875 28532 40158 42596 52394 88076 105697 137414 178641
1A+3C 34282 38686 55488 63538 74060 108957 130755 169982 220984
2A 25944 29716 46989 49830 58616 74486 89390 116208 151076
2A+1C 30774 33937 49347 54568 62721 111823 134194 174455 226792
2A+2C 32844 36248 51854 57627 67356 116914 140300 182390 237107
2A+3C 40354 43367 58627 64400 81248 125468 150570 195742 254472
Premium Rating
Sum Insured Rs.25,00,000/-
Plan Type Age Band (Years)
3months-35 36-45 46-50 51-55 56-60 61-65 66-70 71-75 Above 75
1A 15265 17615 26215 32140 37665 47555 53885 67655 87180
1A+1C 21130 23900 31210 35590 43300 73931 88720 115340 149950
1A+2C 24130 27810 37920 40040 49560 94088 112910 146790 190830
1A+3C 33310 37340 52250 59250 69400 112245 134700 175110 227650
2A 25060 28340 43360 46030 53670 67470 80970 105270 136860
2A+1C 29260 32010 45410 50150 57240 114737 137690 179000 232700
2A+2C 31260 34220 47790 53110 61570 119164 143000 185900 241670
2A+3C 39110 41710 54980 60500 76150 126603 151930 197510 256770
Premium Rating
Sum Insured Rs.25,00,000/-
Plan Type  Age Band (Years)
3months-35 36-45 46-50 51-55 56-60 61-65 66-70 71-75 Above 75
1A 17555 20257 30147 36961 43315 54688 61968 77803 100257
1A+1C 24300 27485 35892 40929 49795 85021 102028 132641 172443
1A+2C 27750 31982 43608 46046 56994 108201 129847 168809 219455
1A+3C 38307 42941 60088 68138 79810 129082 154905 201377 261798
2A 28819 32591 49864 52935 61721 77591 93116 121061 157389
2A+1C 33649 36812 52222 57673 65826 131948 158344 205850 267605
2A+2C 35949 39353 54959 61077 70806 137039 164450 213785 277921
2A+3C 44977 47967 63227 69575 87573 145593 174720 227137 295286
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