Star Comprehensive Insurance Policy
IRDAI UIN: SHAHLIP25037V082425
HIGHLIGHTS
Plan Essentials
PED Buy-Back
Bariatric Surgery
Delivery Benefit
Outpatient Cover
Cumulative Bonus
Automatic Restoration of Sum Insured
Personal Accident Cover
Hospital Cash
DETAILED LIST
Understand what’s included
IMPORTANT HIGHLIGHTS
Policy TypeThis policy can be availed either on an Individual or Floater basis. |
Entry AgeAny person aged between 18 and 65 years can avail this policy. Dependent children are covered from the 91st day onwards up to 25 years. |
In-Patient HospitalisationHospitalisation expenses incurred for a period of more than 24 hours on account of illness, injury or accidents are covered. |
Pre-HospitalisationPre-hospitalisation medical expenses incurred up to 60 days before the date of admission to the hospital are covered. |
Post-HospitalisationPost-hospitalisation medical expenses up to 90 days from the date of discharge from the hospital are covered. |
Room RentThere is no capping on room rent (Private Single A/C room), Boarding and Nursing expenses under this policy. |
Road AmbulanceThe policy covers ambulance charges for admission to the hospital, shifting from one hospital to another hospital for better facilities and from hospital to the residence. |
Air AmbulanceAir ambulance expenses are also covered up to Rs. 2,50,000/- per hospitalisation, to the maximum of Rs. 5,00,000/- per policy period. |
Mid-Term InclusionThe newly married spouse and newborn baby can be included in the policy by paying an additional premium. The waiting periods will be applicable from the date of inclusion of new joiners. |
Day Care ProceduresMedical treatments and surgical procedures that require less than 24 hours of hospitalisation due to technological advancements are covered. |
Modern TreatmentModern treatment expenses are payable to the extent of the limits mentioned in the policy clause. |
Hospital CashA cash benefit for each completed day in the hospital is provided up to the limits mentioned in the policy clause for a maximum of 7 days per hospitalisation and 120 days per policy period. |
Domiciliary HospitalisationExpenses incurred for domiciliary hospitalisation, including AYUSH, which is taken for a period of more than three days on the advice of a Medical Practitioner are covered. |
Delivery ExpensesDelivery expenses including the Caesarean section (both pre-natal and post-natal) are covered up to the specified limits subject to the maximum of two deliveries. |
New Born CoverThe hospitalisation expenses for the new born baby are covered up to the specified limits based on the opted Sum Insured. |
Vaccination ExpensesVaccination expenses for the new born baby are covered up to the specified limits based on the opted Sum Insured. |
Automatic Restoration of Sum InsuredUpon exhaustion of the basic Sum Insured during the policy period, 100% of the Sum Insured will be restored once in the policy period. |
Co-paymentThis policy is subjected to co-payment of 10% of each and every claim amount for fresh as well as renewal policies for insured persons whose age at the time of entry is 61 years and above. |
Bariatric SurgeryHospitalisation expenses incurred for Bariatric surgical procedures are covered up to the limits of Rs. 2,50,000/- and Rs. 5,00,000/- which are inclusive of pre and post-hospitalisation expenses.
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AYUSH TreatmentExpenses incurred for the treatment under Ayurveda, Unani, Sidha and Homeopathy systems of medicines in AYUSH Hospitals are covered up to the specified limits. |
Outpatient ConsultationOutpatient expenses other than Dental and Ophthalmic treatments incurred in any Networked Facility are covered up to the limits mentioned in this policy. |
Outpatient Consultation - Dental & OphthalmicOutpatient expenses incurred for Dental and Ophthalmic treatments are covered up to the limits mentioned in the policy clause. The insured person is eligible to avail this benefit after every block of three years. |
Organ Donor ExpensesIn-Patient hospitalisation expenses incurred for organ transplantation from the donor to the recipient insured person are payable provided the claim for transplantation is payable. |
Health Check-UpHealth check-up expenses incurred at Network Hospitals are covered up to the specified limits for every claim-free year. |
Second Medical OpinionThe Insured person can avail a Second Medical Opinion from a Doctor in the Company's network of medical practitioners. Medical records can be sent to the mail id e_medicalopinion@starhealth.in. |
Star Wellness ProgramWellness program designed to motivate and encourage the healthy lifestyle of the insured person through various wellness activities. In addition, the earned wellness bonus points can be utilised for availing renewal discounts. |
Instalment OptionsThe policy premium can be paid on a monthly, quarterly or half-yearly basis. It can also be paid on an annual, biennial (once in 2 years) and triennial (once in 3 years) basis. |
STAR HEALTH
Why Choose Star Health Insurance?
As a Health Insurance specialist, we extend our services from offering tailor-made products to fast in-house claim settlements. With our growing network of hospitals, we ensure easy access to fulfill your medical needs.
‘Happily Insured!’ with Star Health
We are committed to saving you time, saving you money, and getting rid of the hassles that make health insurance so hard to navigate.
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Thiruvananthapuram
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Bengaluru
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Chennai
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Mumbai
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Indore
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My friend told me to buy health insurance from Star Health Insurance. That helped me during my son’s illness. Their cashless treatment facility was very helpful at the time. I truly appreciate their service and support.
I have been with Star Health Insurance for the past 8 years, and have applied for two claims in that time. Both claims got settled, and I received good support from the company during my hospitalisation.
My family has been with Star Health Insurance since 2006. Our claim, which we applied during last month, was handled without any hassle. We are happy that we are part of such service providers.
Star Health Insurance helped me a lot when I was in need. I was covered under Star’s Comprehensive policy, which provided me cashless treatment at their network hospital during my Angioplasty surgery.
I have been using Mediclaim services for the last 7-8 years. I had tried other companies. But, I satisfied with the service Star Health Insurance has provided me, they also have friendly support personnel.
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Star Comprehensive Insurance Policy
Star Health Insurance presents the Star Comprehensive Insurance Policy with a pragmatic approach for your lifelong protection. This plan was specially created for individuals between the ages of 91 and 65 years.
The policy comes with the best benefits for an ordinary individual, which include coverage for all day care procedures, outpatient, consultation, midterm inclusion of a newly married spouse and new born baby, organ donor expenses, unexpected accidental coverage, and significant other medical interventions under a single sum insured with a lifelong renewal option.
What is Comprehensive Health Insurance Plan?
A comprehensive health insurance policy refers to an all-inclusive plan that offers broad coverage in medical emergencies with lifetime. This plan can offer coverage to you and your loved ones below the same plan, and here the sum insured can be shared.
There are many health comprehensive insurance policy benefits. Let’s discuss health comprehensive insurance policy inclusions and exclusions here. Many health comprehensive plans include health checkups and daycare procedures. Health Insurance Comprehensive plan is suitable for many people based on their needs. We shall have a brief look at the health comprehensive insurance policy(Comprehensive Health Insurance Policy).
Benefits of Star Comprehensive Insurance Policy
The benefits of the Star Comprehensive Insurance Policy are listed below:
- Hospitalisation expenses like boarding charges, room charges, cost of nursing, anaesthetist’s fee, specialist’s fees, cost of drugs, surgeon’s fee, and medicines can be claimed.
- Pre-hospitalisation charges for a maximum of 60 days before the date of hospitalisation.
- Post-hospitalisation charges are for a maximum of 90 days from the date of discharge from the hospital.
- Includes the AYUSH hospitalisation charges like Homoeopathy, Siddha, Ayurveda, and Unani, which are payable below this comprehensive health insurance policy up to the sublime as specified under the policy.
- The road ambulance transportation expenses during emergency conditions are covered.
- Medical consultation expenses as outpatients incurred in a network facility for other than dental and ophthalmic treatments up to the limits mentioned can be claimed.
- Being a member of the comprehensive health plan, you can benefit from domiciliary hospitalisation.
- The insured can file a claim for accidental death and permanent total disability only for the specified person under the policy for the benefit.
- Once every 3 years, the dental/ophthalmic OPD treatment is covered under the Policy.
- Hospital cash benefits for a maximum of 7 days per hospitalisation and 120 days for the policy period. However, claims under this section will not lower the sum insured.
- The policy provides cover for delivery and newborn babies, subject to the self and spouse being covered after the completion of the 24-month waiting period.
- Newborn baby is covered from day one subject to the admissible/ claimed under the policy for delivery.
- The policy provides optional coverage for buyback PEDs, subject to payment of additional premiums and medical screening.
- The policy provides a Health Check Up benefit for every claim-free year up to the limit specified in the policy.
- This policy can be applied to individual or floater modes.
- The policy provides cover for Air Ambulance subject to the terms and conditions with limits as specified in the policy.
What is included in the Star Comprehensive Health Insurance Plan?
There are many things included under the Star Comprehensive Health Insurance plan. Here are the things included under the Star Comprehensive Health Insurance Policy :
- Post-hospitalization expenses for up to 90 days of getting discharged from the hospital.
- Pre-hospitalization charges expenses for up to 60 days prior to getting admitted could be claimed.
- It includes hospitalization expenses such as room charges, nursing costs, boarding charges, anesthetist's fee, specialist's fees, surgeon's fees, cost of drugs, pacemakers, and medicines.
- AYUSH hospitalization expenses like Homeopathy, Ayurveda, Unani and Siddha are payable below this plan.
- The normal and cesarean delivery costs could also be claimed.
- It includes newborn babies and vaccination expenses.
- It also includes emergency road ambulance transportation charges.
- Organ donor charges are also covered.
- During emergencies, air ambulance charges are covered as well.
- Domiciliary hospitalization charges are also included under this policy.
- Health check-up facilities expenses are included below this plan.
- Also, the accidental death and permanent total disabilities claims could be claimed by the insured person.
- Dental/ophthalmic OPD treatment charges are covered once every 3years.
- Bariatric surgery charges could be claimed after the completion of the waiting period of 3 years.
- The second medical opinion availed from the Star Health Insurance network of doctors can be reimbursed.
- The advantage of hospital cash is that it is offered for up to 7 days in case of hospitalization.
Exclusions of Star Comprehensive Health Insurance Plan
Star Comprehensive Health Insurance Plan has some exclusions. Here are the exclusions under the Star Comprehensive Health Insurance Plan.
- Cost of Change of Gender treatments.
- Obesity Treatment Costs.
- Pre-existing conditions till the completion of the waiting period of 3 years
- Expenses related to hazardous or adventure sports-related injuries
- Expenses related to unproven treatments
- Infertility and sterility treatment Charges.
- Charges for Venereal diseases and STDs (Other than HIV)
- Costs of Nuclear weapon and ware-related perils.
- Expenses for the treatment of endocrine disorders.
There are some factors that help you choose the best comprehensive health insurance in India.
How to choose the best comprehensive health insurance in India?
There are many factors that help choose the best health insurance in India. While you select comprehensive health insurance in India, you could choose the following factors :
1. Claim settlement ratio
Always choose health insurance with a High Claim Settlement Ratio. A high claim settlement ratio denotes the insurer's reliability and efficiency in settling claims.
2. Network of hospitals
Prefer network hospitals in your place for better access to quality healthcare. For that, see the list of network hospitals under the list of health insurance providers.
3. Coverage Offered
Opting for the correct coverage includes assessing your healthcare requirements and choosing a plan that offers comprehensive advantages. For that, compare the coverage and advantages provided by various comprehensive health insurance plans in India.
4. Sum insured
Analyze the sum insured by various health insurance plans. If you go for a sum insured lower than what is needed for you, it may not be correct for you.
Ensure that the sum insured is adequate to cover your medical expenses.
5. Copayment
Some of the plans only have a mandatory co-pay clause, which requires the policyholders to pay a percentage of every claim.
6. Comparision of Many Health Plans
Do proper research and compare various health insurance policies to choose the one that matches your needs. You could compare the plans based on things like benefits, sum insured and add-ons.
7. Premiums
Check the premium amount and deductibles related to the health insurance plans. You could pay your health insurance premiums according to your entry age.
8. Lifetime renewability
Opt for health insurance plans that offer lifetime renewability to ensure continuous coverage, especially as you age and may require more medical care.
9. Insurer reviews and customer ratings
When you buy health insurance, just review the insurer reviews and customer ratings. Check for the reputation and credibility of the insurance company prior to the buying of a health insurance plan.
10. Claim Settlement Time
Check each health insurer's claim settlement time prior to investing in the health plan for yourself. Opting for an insurer with a high claim settlement ratio helps with reliable claim processing.
11. Cumulative bonuses
You get a cumulative bonus for having claim-free policy years. You can have an advantage of this bonus by raising your sum insured while you renew the health policy.
12. Higher sub-limits
Choose a health insurance plan having higher or no sub-limits for most categories of expenses. Additionally, they may have to choose from sub-limits, copayments or voluntary deductibles to minimize the cost of high premiums.
13. Policy Exclusions and Limitations
It is necessary to consider the exclusions and limitations when you choose a health insurance policy.
14. Pre-existing ailments
Ensure that all the pre-existing ailments are told and see for the coverages for the same. Know about the waiting period for pre-existing diseases in the policy chosen.
15. Choose Family Floater Plans
If you wish to buy insurance for the whole family, then select a family floater plan rather than buying individual health policies. Select the correct type of plan based on the people to be insured.
Tax Benefits from Buying a Star Comprehensive Insurance Policy
With respect to the premium payment by any mode other than cash, the insured person is eligible for relief under Section 80D of the Income Tax Act of 1961.
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The information provided on this page is for general informational purposes only. Availability and terms of health insurance plans may vary based on geographic location and other factors. Consult a licensed insurance agent or professional for specific advice. T&C Apply.