Star Comprehensive Insurance Plan

Star Comprehensive Insurance is a comprehensive health insurance policy offered by Star Health Insurance Company. The plan is specially designed for self, spouse and dependent children, and offers .

Features & Benefits of Star Comprehensive Insurance:

Entry Age Persons between the ages of 18 years to 65 years can avail this policy. Children can be covered from 3 months to 25 years.
Basis Individual and family floater health insurance
Renewability There is upper limit for continuous renewals. Lifelong renewability is available.
Waiting Period A waiting period of 36 months will apply for delivery and new-born cases of continuous coverage.
Medical Screening Individuals over 50 years will be required to do a pre-acceptance medical screening at company nominated healthcare centres. The cost of the test will be borne by the insurance company.
Sum Assured Sum assured varies depending on different sections of the policy. Highest sum assured is Rs.25,00,000.
Premium Premium starts from Rs.9,180 to Rs.2, 56,770. 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.
  • 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 30 days.
  • Post hospitalization expenses up to 60 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 48 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.
  • 50% of the basic sum insured would be allowed as bonus following a claim free year.
Exclusions Certain pre-existing diseases, cost incurred in spectacle and contact lens, dental surgery cost, neuropathy treatments expenses, etc. are not covered under this policy.

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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