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:

  • Cashless treatment: Star Health Insurance, currently has a network of 11,000+ hospitals. In times of distress, you can easily avail cashless treatment from one of the nearby network hospitals.
  • Easy claim process: Star Health Insurance provides convenient in-house claim settlement options.
  • Premium in installments accepted: The policyholder can choose to pay premium amount either on half-yearly basis or quarterly basis.
  • Benefits on tax: The policyholder below 60 years of age can get tax deductions of up to Rs. 25,000 and the deductions can go up to Rs. 50,000 for senior citizens (above 60 years of age).
  • Automatic restoration: In case you exhaust your insurance amount within a year due to claims, this plan restores your insurance amount.
  • Cumulative Bonus: For every claim free year, a ‘No-claim' bonus is declared, and the bonus amount gets accumulated.
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 and 3 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 61 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.
  • In-patient hospitalization expenses covered if hosiptalised for at least 24 hours
  • 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.
  • Free check-up for policyholders on renewing policy.
  • Expenses for Unani, Homeopathy, Sidha and Ayurveda treatment covered.
  • 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:

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


  1. Are the annual health check-ups covered in this policy?

    The policyholder gets the benefit of a free annual check-up for every claim-free year. However, the benefit is subject to continuous policy renewal.

  2. How many claims are allowed in a policy year?

    You can make any number of claims in a year, until and unless the insurance amount is not used up.

  3. Is there any option to reduce waiting period in the policy for pre-existing diseases?

    You can reduce the waiting period for pre-existing diseases by choosing “Buyback PED” optional cover. In this cover, you will have to pay a single additional premium and the waiting period reduces to 12 months from 36 months.

  4. Are the maternity expenses covered in this policy?

    The policy covers all the pre- and post- natal expenses like doctor check-ups, ultrasounds, etc. The policy also covers delivery expenses irrespective of whether it is a normal delivery or caesarean section.

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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