Star Comprehensive Insurance Policy

Star Comprehensive Insurance Policy

Star Health Insurance presents the Star Comprehensive Insurance Policy with a pragmatic approach for your lifelong protection. This plan was specially created for individuals between the ages of 91 and 65 years.

The policy comes with the best benefits for an ordinary individual, which include coverage for all day care procedures, outpatient, consultation, midterm inclusion of a newly married spouse and new born baby, organ donor expenses, unexpected accidental coverage, and significant other medical interventions under a single sum insured with a lifelong renewal option.  

What is Comprehensive Health Insurance Plan?

A comprehensive health insurance policy refers to an all-inclusive plan that offers broad coverage in medical emergencies with lifetime. This plan can offer coverage to you and your loved ones below the same plan, and here the sum insured can be shared.    

There are many health comprehensive insurance policy benefits. Let’s discuss health comprehensive insurance policy inclusions and exclusions here. Many health comprehensive plans include health checkups and daycare procedures. Health Insurance Comprehensive plan is suitable for many people based on their needs. We shall have a brief look at the health comprehensive insurance policy(Comprehensive Health Insurance Policy).  

Benefits of Star Comprehensive Insurance Policy

The benefits of the Star Comprehensive Insurance Policy are listed below:

• Hospitalisation expenses like boarding charges, room charges, cost of nursing, anaesthetist’s fee, specialist’s fees, cost of drugs, surgeon’s fee, and medicines can be claimed.
• Pre-hospitalisation charges for a maximum of 60 days before the date of hospitalisation.
• Post-hospitalisation charges are for a maximum of 90 days from the date of discharge from the hospital. 
• Includes the AYUSH hospitalisation charges like Homoeopathy, Siddha, Ayurveda, and Unani, which are payable below this comprehensive health insurance policy up to the sublime as specified under the policy.
• The road ambulance transportation expenses during emergency conditions are covered.
• Medical consultation expenses as outpatients incurred in a network facility for other than dental and ophthalmic treatments up to the limits mentioned can be claimed. 
• Being a member of the comprehensive health plan, you can benefit from domiciliary hospitalisation.
• The insured can file a claim for accidental death and permanent total disability only for the specified person under the policy for the benefit.
• Once every 3 years, the dental/ophthalmic OPD treatment is covered under the Policy.
• Hospital cash benefits for a maximum of 7 days per hospitalisation and 120 days for the policy period. However, claims under this section will not lower the sum insured. 
• The policy provides cover for delivery and newborn babies, subject to the self and spouse being covered after the completion of the 24-month waiting period.
• Newborn baby is covered from day one subject to the admissible/ claimed under the policy for delivery.
• The policy provides optional coverage for buyback PEDs, subject to payment of additional premiums and medical screening.
• The policy provides a Health Check Up benefit for every claim-free year up to the limit specified in the policy.
• This policy can be applied to individual or floater modes.
• The policy provides cover for Air Ambulance subject to the terms and conditions with limits as specified in the policy.

What is included in the Star Comprehensive Health Insurance Plan? 

There are many things included under the Star Comprehensive Health Insurance plan. Here are the things included under the  Star Comprehensive Health Insurance Policy :

• Post-hospitalization expenses for up to 90 days of getting discharged from the hospital.
• Pre-hospitalization charges expenses for up to 60 days prior to getting admitted could be claimed.  
• It includes hospitalization expenses such as room charges, nursing costs, boarding charges, anesthetist's fee, specialist's fees, surgeon's fees, cost of drugs, pacemakers, and medicines. 
• AYUSH hospitalization expenses like Homeopathy, Ayurveda, Unani and Siddha are payable below this plan.   
• The normal and cesarean delivery costs could also be claimed. 
• It includes newborn babies and vaccination expenses. 
• It also includes emergency road ambulance transportation charges. 
• Organ donor charges are also covered. 
• During emergencies, air ambulance charges are covered as well. 
• Domiciliary hospitalization charges are also included under this policy. 
• Health check-up facilities expenses are included below this plan.
• Also, the accidental death and permanent total disabilities claims could be claimed by the insured person. 
• Dental/ophthalmic OPD treatment charges are covered once every 3years. 
• Bariatric surgery charges could be claimed after the completion of the waiting period of 3 years. 
• The second medical opinion availed from the Star Health Insurance network of doctors can be reimbursed. 
• The advantage of hospital cash is that it is offered for up to 7 days in case of hospitalization.

Exclusions of Star Comprehensive Health Insurance Plan

Star Comprehensive Health Insurance Plan has some exclusions. Here are the exclusions under the Star Comprehensive Health Insurance Plan.  

• Cost of Change of Gender treatments. 
• Obesity Treatment Costs. 
• Pre-existing conditions till the completion of the waiting period of 3 years
• Expenses related to hazardous or adventure sports-related injuries
• Expenses related to unproven treatments
• Infertility and sterility treatment Charges. 
• Charges for Venereal diseases and STDs (Other than HIV)
• Costs of Nuclear weapon and ware-related perils. 
• Expenses for the treatment of endocrine disorders.
  There are some factors that help you choose the best comprehensive health insurance in India.

How to choose the best comprehensive health insurance in India?

There are many factors that help choose the best health insurance in India. While you select comprehensive health insurance in India, you could choose the following factors : 

1. Claim settlement ratio
Always choose health insurance with a High Claim Settlement Ratio. A high claim settlement ratio denotes the insurer's reliability and efficiency in settling claims. 
2. Network of hospitals
Prefer network hospitals in your place for better access to quality healthcare. For that, see the list of network hospitals under the list of health insurance providers. 
3. Coverage Offered
Opting for the correct coverage includes assessing your healthcare requirements and choosing a plan that offers comprehensive advantages. For that, compare the coverage and advantages provided by various comprehensive health insurance plans in India.  
4. Sum insured
Analyze the sum insured by various health insurance plans. If you go for a sum insured lower than what is needed for you, it may not be correct for you. 
Ensure that the sum insured is adequate to cover your medical expenses.
5. Copayment
Some of the plans only have a mandatory co-pay clause, which requires the policyholders to pay a percentage of every claim. 
6. Comparision of Many Health Plans
Do proper research and compare various health insurance policies to choose the one that matches your needs. You could compare the plans based on things like benefits, sum insured and add-ons. 
7. Premiums 
Check the premium amount and deductibles related to the health insurance plans. You could pay your health insurance premiums according to your entry age.
8. Lifetime renewability
Opt for health insurance plans that offer lifetime renewability to ensure continuous coverage, especially as you age and may require more medical care. 
9. Insurer reviews and customer ratings
When you buy health insurance, just review the insurer reviews and customer ratings. Check for the reputation and credibility of the insurance company prior to the buying of a health insurance plan. 
10. Claim Settlement Time
Check each health insurer's claim settlement time prior to investing in the health plan for yourself. Opting for an insurer with a high claim settlement ratio helps with reliable claim processing. 
11. Cumulative bonuses
You get a cumulative bonus for having claim-free policy years. You can have an advantage of this bonus by raising your sum insured while you renew the health policy.  
12. Higher sub-limits
Choose a health insurance plan having higher or no sub-limits for most categories of expenses. Additionally, they may have to choose from sub-limits, copayments or voluntary deductibles to minimize the cost of high premiums. 
13. Policy Exclusions and Limitations
It is necessary to consider the exclusions and limitations when you choose a health insurance policy. 
14. Pre-existing ailments
Ensure that all the pre-existing ailments are told and see for the coverages for the same. Know about the waiting period for pre-existing diseases in the policy chosen. 
15. Choose Family Floater Plans
If you wish to buy insurance for the whole family, then select a family floater plan rather than buying individual health policies. Select the correct type of plan based on the people to be insured. 
  

Tax Benefits from Buying a Star Comprehensive Insurance Policy

With respect to the premium payment by any mode other than cash, the insured person is eligible for relief under Section 80D of the Income Tax Act of 1961.