Star Comprehensive Insurance Plan

Under the policy, the entry age of the individual can range between 3 months and 65 years. Dependent children will be covered up to the age of 25 years.

Individual and family floater health insurance

There is upper limit for continuous renewals. Lifelong renewability is available.

1 year and 2 years and 3 years

Pre-existing diseases that fall under the waiting period will be covered only after 36 months from the date the policy was started. However, certain specified diseases/illnesses come with a waiting period of 24 months.

Pre-acceptance medical screening is not required

The various Sum Insured options are mentioned below:

Premium (excluding tax) ranges between Rs.7,105 and Rs.3,27,915. Premiums vary based on sum assured, age, and family size.

A co-payment of 10% is applicable for individuals above 61 years at entry level and subsequent renewals.

1. Get direct in-house claim settlement. No third party administrator is involved.
2. Hassle-free claim settlement.
3. Cashless hospitalization
4. More than 7800 network hospitals
5. Free health magazine providing information on health
6. 24x7 toll free assistance.
7. Personalized E -health records.

1. Offers tax benefits. Amount paid by any other means except for cash is eligible for tax exemption under section 80D of the Income Tax Act, 1961.
2. A free look period of 15 days from the date of receipt of the policy is available to the insured person.
3. In-patient hospitalization expenses covered if hosiptalised for at least 24 hours
4. Air ambulance benefit
5. Pre-hospitalization expenses covered up to 60 days.
6. Post hospitalization expenses up to 90 days;
7. Out-patient consultation (other than dental and ophthalmic) expenses are covered.
8. Coverage for Domiciliary hospitalization for a period exceeding three days
9. Offer delivery and newborn cover.
10. Hospital cash benefit
11. Health checkup cost covered.
12. Pre -existing disease are covered after 36 months of continuous insurance renewal without any break.
13. Rs.1000 is paid as vaccination expenses for the newborn.
14. Cover against bariatric surgery an accidental death and permanent total disablement.
15. Second medical opinion is arranged for the insured person.
16. Outpatient dental and ophthalmic treatment are covered.
17. Cover for all day care procedures.
18. Free check-up for policyholders on renewing policy.
19. Expenses for Unani, Homeopathy, Sidha and Ayurveda treatment covered.

1. 50% of the basic sum insured would be allowed as bonus following a claim free year.

Some of the exclusions under the policy are mentioned below:

1. Expenses for Plastic surgery, circumcision, surgery to change sex and cosmetic surgery are nor covered.
2. STDs (other than HIV) and venereal diseases are not covered.
3. War-related perils are not covered.
4. Injury during adventure sports is not covered.
5. Expenses incurred on medical treatment abroad is not covered.
6. Expenses incurred on medical treatment abroad is not covered.
7. Correction of hearing impairment, aesthetic dental surgery, refractive error repair is not covered.
8. Hospitalisation for diagnosis is not covered.
9. Previously existing medical condition is not covered until the waiting period is over.
10. Injuring oneself intentionally is not covered.