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The Manager - Customer Care,
Star Health & Allied Insurance Co. Ltd,
No.1, New Tank Street, Valluvarkottam High Road,
Chennai - 600 034
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1800-425-2255 / 1800-102-4477
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(044)- 2831 9100 / 2853 2060 / 2853 2030

Star Comprehensive Insurance Policy

Complete healthcare protection for your entire family on individual and floater basis.

Please visit the nearest Star Health Insurance branch for premium details


No Capping on room rent

Treatment at Private Single A/c Room

Care beyond Cover

Disease management programme for healthy life through Wellness. Attractive premium discounts

Extra cover

Air Ambulance assistance, second medical opinion, Domiciliary hospitalisation, Organ donor expenses, Ayush treatment are covered

Health Checkup

Cost of Health checkup for every claim free years

Cover for maternity

Cover for maternity (normal and Caesarean delivery) and new born baby

Automatic restoration

Automatic restoration by 100% for subsequent hospitalisation even for illness/disease for which claim/s was/were made

Cover on OPD basis

Dental/Ophthalmic cover on OPD basis

Personal accident cover

Personal accident cover against Death and Permanent total disablement (equal to the Health Insurance cover) at no additional cost.

Renewal Benefits

100% Increase in Sum Insured upon a claim free renewal

Buy Back Pre-existing disease

Reduction in waiting period for Pre existing diseases

Covers complex medical procedures

Covers medical expenses incurred on Bariatric surgical procedures and its complications.

Mid term Inclusion

Mid term Inclusion of newly married/wedded spouse and new born baby is permissible on paying additional premium

What is a Comprehensive Policy?

Health insurance policies have always been looked at as either tax-saving options or as something that requires minimal investment. After all, no one plans to fall sick, right? Very few times have they been viewed as the safety net that insurance policies truly are.
The truth is that with the changing lifestyle where we are demanding more and more of our minds and bodies without being able to take care of ourselves, a health insurance plan becomes an important safety net against stress and lifestyle-induced medical problems.
And if a healthcare policy has to be a safety net, it should ideally provide end-to-end coverage for all planned and unplanned medical expenses. An all-encompassing policy has to cover everything, from hospitalisation expenses to pre-or post hospitalisation, or even out-patient consults and daycare treatments. And it doesn’t just end with allopathy; it ideally has to cover alternative therapies like Ayurveda, Unani, Siddha, Homeopathy, etc. Be it treatment for lifestyle-related problems like obesity or bariatric surgery, or even organ donation, a medical plan should be able to stand by the insured at all times.
When a health insurance plan provides such wide coverage, it means it is providing comprehensive health insurance. Let’s look at the Comprehensive Health Insurance Plan by Star Health Insurance and how it’s the right choice for individuals and families looking for across-the-board protection.

Coverage under Star Health Comprehensive Health Insurance Plan includes:

  • ✓ In-patient hospitalization expenses
  • ✓ Pre-and post-hospitalisation expenses
  • ✓ Daycare procedures
  • ✓ Domiciliary hospitalisation
  • ✓ Ambulance expenses
  • ✓ Daycare treatments
  • ✓ AYUSH treatments
  • ✓ Second medical opinion
  • ✓ Delivery and new-born cover
  • ✓ Organ donor expenses
  • ✓ Bariatric surgery
  • ✓ Personal accident cover – lumpsum benefit for death & permanent disablement
  • ✓ Out-patient medical consultation
  • ✓ Out-patient Dental and Ophthalmic treatments
  • ✓ Hospital Cash Benefit
  • ✓ Annual health check-up
  • ✓ Wellness program
  • ✓ TeleMedicine Service – talk to Star

Important Features of Comprehensive Health Insurance Policy:

  • Eligibility
    Star Comprehensive Insurance Policy can be purchased by individuals between the age of 18 years and 65 years. The comprehensive family floater plan allows its holder to cover their family, including two adults and up to three dependent children between the ages of 3 months and 25 years.
  • Sum insured
    The plan provides sum insured options ranging from a minimum of Rs. 5 lakhs to Rs. 1 crore.
  • Product type
    Star Comprehensive Insurance Policy is an indemnity-based medical insurance policy available on both individual and family floater coverage basis.
  • Policy term
    Available for - 1 year / 2 years / 3 years
  • Co-payment
    A co-payment of 10% for every claim is applicable for those who purchase this policy at the age of 61 and above. This means that every time a claim is filed with the company, the insured will be required to pay a fixed 10% of the claim, and then Star Health Insurance will process the rest of the claim.
  • Waiting periods
    ✓ Any illness contracted within 30 days of the policy`s inception (activation of the policy) is not covered. The exception is in case of an accident.
    ✓ Coverage for specified illnesses/ surgeries becomes effective after 24 months.
    ✓ Pre-existing diseases are covered after a waiting period of 36 months from the policy`s date of activation.
    There is an option to reduce the pre-existing disease waiting period from 3 years to 1 year, which comes under the Buy-Back Pre-Existing Diseases (PED) option.
  • Portability
    According to IRDAI guidelines on portability, the insured person can port the policy to another insurer by applying to that insurer to port the entire policy. If any, they can port all family members at least 45 days before, but no earlier than 60 days before the policy renewal date.
  • Free look period
    A free look period of 15 days from the date of receipt of the policy is available for reviewing the policy`s terms and conditions. If the insured is not satisfied with the plan, they will have an option of cancelling the policy within the stipulated period. In such a case, the company will process the premium refund after adjusting the cost incurred during that period.
  • Pre-acceptance and medical screening
    No pre-policy medical screening is required.
  • Lifelong renewal option
    The Star Comprehensive Insurance plan offers a lifelong renewal option. If the insured renews the policy within the due date, he can enjoy continuous benefits like reduced waiting period on coverage of PED’, cumulative bonus etc. A grace period of 30 days is provided to renew the policy. This way continuity of benefits is ensured.

What is covered in the Star Comprehensive Insurance Policy?

  • In-patient hospitalisation expenses

    The Star Comprehensive Insurance Policy will cover hospitalisation expenses if one or more insured persons are required to be hospitalised for treatment for at least 24 hours during the policy period. The plan will cover expenses incurred towards the following:
    • + Expenses towards room rent (Private Single AC Room), boarding, and nursing
    • + Expenses towards anaesthesia, blood, oxygen, operation theatre charges, ICU charges, surgical appliances, medicines and drugs, diagnostic materials and X-ray, diagnostic imaging modalities, dialysis, chemotherapy, radiotherapy, cost of a pacemaker, stent, and such other similar expenses
    • + Expenses towards the surgeon, anaesthetist, medical practitioner, consultants, specialist fees
  • Pre- and post-hospitalisation expenses

    Star Comprehensive Insurance Policy covers related pre-hospitalisation expenses for a maximum of 60 days before getting admitted. Also, it covers post-hospitalisation expenses for a maximum period of upto 90 days from the day of getting discharged from the hospital.
  • Domiciliary hospitalisation

    Star Comprehensive Insurance Policy covers medical treatment expenses (including AYUSH) for a period of more than three days for an illness/disease/injury that usually would necessitate hospitalisation but is treated at home on the advice of the attending medical practitioner.
    The patient`s condition is that they cannot be transferred to a hospital or receive care at home due to a lack of available rooms in a hospital.
  • Ambulance expenses

    The policy covers all road ambulance expenses. In case of requirement, air ambulance charges of up to Rs. 2.5 lakhs per hospitalisation and a maximum of up to Rs. 5 lakhs per policy year are included.
  • Daycare treatments

    The policy covers charges for all daycare procedures, surgeries, and treatments that require less than 24 hours of hospitalisation.
  • AYUSH treatments

    he policy covers expenses for AYUSH treatments (Ayurveda, Unani, Sidha, and Homeopathy) received in a government hospital or any facility recognised by the government and/or accredited by the Quality Council of India/National Accreditation Board on Health up to the limits mentioned.
  • Second medical opinion

    The Comprehensive Health Insurance Policy offers the insured the facility to obtain a second medical opinion from a doctor in the company`s network of medical practitioners.
  • Unique features of Comprehensive Health Insurance Policy

    Here is a list of features that are unique to the Comprehensive Health Insurance Policy. As we promise, we deliver the most comprehensive care through this policy.
  • Delivery expenses cover

    Normal delivery and caesarean section are covered when both husband and wife are covered in the policy. Pre- and post-natal expenses are also covered under this policy up to the limits mentioned and per the Terms and Conditions.
  • New-born cover

    Expenses incurred in a hospital or nursing home for treatment of the new-born for any disease, illness including any congenital disorders or accidental injuries, are covered when there is an admissible claim under Delivery Expenses. In addition, vaccination expenses for the new-born will be covered up to the limit specified in the policy document as per Terms and conditions
  • Organ donor expenses

    Medical expenses towards organ transplant surgery for the donor are covered when the surgery for the recipient/ insured is admissible.
    Furthermore, any expenses incurred by the donor for complications arising out of the transplant surgery that require a redo-surgery or ICU admission will be covered as per the Terms and conditions of the Policy.
  • Bariatric surgery

    Bariatric / Weight Loss surgery expenses are covered after the completion of the waiting period of 3 years up to the limits mentioned in the policy.
  • Personal accident coverage

    The policy holder gets compensation for accidental death and permanent disabilities caused due to accidents up to the sum insured. For a floater policy, either spouse (husband or wife) can be covered depending on who the nominee is.
  • Out-patient medical consultation

    Expenses incurred towards out-patient medical consultations are covered up to the limits specified for the chosen sum insured in the policy.
  • Out–patient Ophthalmic and Dental Consultation

    The policy also covers expenses towards out-patient dental and ophthalmic treatment for every block of three years up to the limits mentioned in the policy.
  • Hospital Cash Benefit

    Hospital Cash Benefit up to the limitations is payable for each completed day of hospitalisation for a maximum of 7 days per occurrence if an eligible hospitalisation claim is submitted.
  • Annual health check-ups

    On renewing the policy, policyholders will be entitled to free annual health check-ups after every claim-free year, as per the terms and conditions of the policy.
  • Wellness program

    The wellness program aims to start, improve, and maintain the active and healthy lifestyle of a policyholder. The Star Wellness program is a benefit for Star Comprehensive Health Plan customers. Insured persons can earn reward points by undertaking various wellness activities. These reward points can help the policyholder earn discounts on the premium at the policy`s renewal.
    The wellness activities listed are intended to assist the insured person in earning wellness reward points, which the company will track and monitor. The wellness points obtained through the wellness program can be used to get a discount on the policy premium. The Star Wellness Platform (available on Star Power app) - a digital platform is used to implement and administer this wellness program.
    The best way to know about the reward points and the various wellness activities is to get in touch with our customer care team.

What is not covered?

The following is a partial listing of policy exclusions. A detailed list of all exclusions is included in the policy document.
  • + Pre-existing medical conditions until the completion of the waiting period
  • + Any hospitalisation with the primary goal of obtaining diagnostic information
  • + Treatment outside of India
  • + Circumcision, sex-change surgery, cosmetic surgery, and plastic surgery
  • + Refractive error repair, hearing impairment correction, corrective and aesthetic dental surgery
  • + Hazardous or adventure sports-related injuries
  • + Unproven treatments
  • + Venereal diseases and STDs (other than HIV)
  • + Nuclear weapon and war-related perils
  • + Intentional self-injury

Why should you buy Comprehensive Health Insurance Policy?

We understand that some people need a health cover that provides wide protection against various lifestyle diseases covers different treatment modalities, and provides one-stop coverage for the entire family. Star Health Insurance understands this need and has designed a policy to provide comprehensive health coverage on both individual and floater basis.
Our changing lifestyle is a massive contributor to our health and wellness. Lifestyle changes have led to increasing health issues, and they take a toll on our mental wellness. On the other hand, the cost of medical treatments and hospitalisation has also shot up drastically. This is where an extensive health coverage plan steps in by providing financial security against such unexpected medical expenses.
The Comprehensive Health Insurance Policy covers expenses related to in-patient hospitalisation, out-patient hospitalisation, ophthalmic/dental care, maternity care, all major diseases, including critical, airborne, waterborne, and vector-borne diseases and accidents, infectious diseases up to the amount of sum insured.

Why choose Comprehensive Health Policy from Star Health Insurance?

  • Cash-less benefit from Network Hospitals

    We provide healthcare access from an ever-increasing list of Network Hospitals where you can opt for cash-less treatment. Our aim is that you should have easy access to a network hospital near you in times of planned or unplanned medical expenses. Star Health Insurance currently has a network of over 11,000+ hospitals. For the complete list, visit here.
  • Hassle-free claim process

    Insurance Claim Settlement processes can often be time-consuming. However, Star Health Insurance offers digital-friendly, zero-touch, quick, and convenient options that work better for you during this pandemic situation with our In-house claim settlement.
  • Instalment options for premium payment

    The insured person can choose to pay their premiums in instalments, such as half-yearly or quarterly mode.
  • Tax benefits

    Individual and family members below 60 years can get Rs. 25,000 deductions from taxable income, and the deductible amount can extend up to Rs. 50,000 for senior citizens on premiums paid as per Section 80D of Income Tax Act, 1961. If two family members above the age of 60 are insured under one policy, then the deductible amount extends to Rs 1 lakh. In contrast, if there is one family member below the age of 60 and his parents are also insured under the same policy, then they can avail of a deduction of Rs 75,000.
  • Automatic restoration

    As the name suggests, this plan restores your sum insured by 100% once after it has been exhausted within a calendar year due to hospitalisation related claims.
  • Cumulative bonus

    A No Claim Bonus is declared after every claim-free year. In the Comprehensive Health Insurance Policy, it is 50% for Rs. 5 lakhs and 100% for sum insured of Rs 7.5 lakhs and above. The maximum bonus accumulation is up to 100% of the sum insured. Terms and conditions applicable on the accrual method.


Does the plan cover maternity expenses?

Yes. Certainly. Star Comprehensive Health Insurance Plan covers expenses incurred during normal delivery or delivery by caesarean section, where both husband and wife are covered, and if the delivery is after the waiting period mentioned in the policy. A vital benefit of the comprehensive policy is the coverage of pre-and post-natal expenses like ultrasounds, tests, doctor check-ups, follow-ups as per the Terms and conditions of the policy.

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