Star Comprehensive Insurance Plan

Star Comprehensive Insurance is a comprehensive health insurance policy offered by Star Health Insurance Company.The plan is mainly designed to offer protection for an entire family against all heath related eventualities.

Features & Benefits of Star Comprehensive Insurance:

  • Rs.5 lakh 
  • Rs.7.5 lakh 
  • Rs.10 lakh 
  • Rs.15 lakh 
  • Rs.20 lakh 
  • Rs.25 lakh 
  • Rs.50 lakh 
  • Rs.75 lakh 
  • Rs.1 crore 
  • Intentional self-injury. 
  • Sexually Transmitted Diseases. 
  • Use of drugs, alcohol, smoking, and substance abuse.  
  • Injuries arising due to war, invasion, and warlike operations.
Entry Age 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.
Basis Individual and family floater health insurance
Renewability There is upper limit for continuous renewals. Lifelong renewability is available.
Policy Term 1 year and 2 years
Waiting Period 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.
Medical Screening Pre-acceptance medical screening is not required
Sum Assured The various Sum Insured options are mentioned below:
Premium Premium (excluding tax) ranges between Rs.7,105 and Rs.3,27,915. Premiums vary based on sum assured, age, and family size.
Co-Payments A co-payment of 10% is applicable for individuals above 60 years at entry level and subsequent renewals.
Star Advantages
  • Get direct in-house claim settlement. No third party administrator is involved.
  • Hassle-free claim settlement.
  • Cashless hospitalization
  • More than 7800 network hospitals
  • Free health magazine providing information on health
  • 24x7 toll free assistance.
  • Personalized E -health records.
Benefits
  • 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.
  • A free look period of 15 days from the date of receipt of the policy is available to the insured person.
  • Inpatient hospitalization expenses covered
  • Air ambulance benefit
  • Pre-hospitalization expenses covered up to 60 days.
  • Post hospitalization expenses up to 90 days;
  • Out-patient consultation (other than dental and ophthalmic) expenses are covered.
  • Coverage for Domiciliary hospitalization for a period exceeding three days
  • Offer delivery and newborn cover.
  • Hospital cash benefit
  • Health checkup cost covered.
  • Pre –existing disease are covered after 36 months of continuous insurance renewal without any break.
  • Rs.1000 is paid as vaccination expenses for the newborn.
  • Cover against bariatric surgery an accidental death and permanent total disablement.
  • Second medical opinion is arranged for the insured person.
  • Outpatient dental and ophthalmic treatment are covered.
  • Cover for all day care procedures.
Bonus
  • 50% of the basic sum insured would be allowed as bonus following a claim free year.
Exclusions Some of the exclusions under the policy are mentioned below:

Find cashless network hospitals nearby: Star Health Network Hospitals

Other Health Insurance Plans from Star Health Insurance:

GST rate of 18% applicable for all financial services effective July 1, 2017.

Disclaimer: Premiums may vary depending upon factors like age, location and prevailing taxes/GST.

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