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.  

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.

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.