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Star Comprehensive Insurance Policy

  •  No cap on room rent and treatment cost.
  •  Covers medical expenses incurred on Bariatric surgical procedures and its complications.
  •  Air ambulance assistance, Second medical opinion are covered.
  •  Cost of health check up for every block of 3 claim free years.
  •  Cover for  maternity (normal and caesarean delivery) and New born baby.
  •  Automatic restoration of entire Sum insured by 100%.
  •  Dental / ophthalmic cover on OPD basis.
  •  Hospital cash benefit.
  •  Cover for over 400 day care procedures.
  •  Personal accident cover against Death and Permanent total disablement (equal to the Health Insurance cover) at no additional cost.
  • 100% Increase in Sum Insured upon a claim free renewal

IRDAI/NL-HLT/SHAI/P-H/V.III/398/14-15

Recharge Benefit

Section 1:
  • Hospitalization cover protects the insured for in patient hospitalization expenses for a minimum period of 24 hrs. These expenses include room rent (Single Standard A/C room), nursing and boarding charges, Surgeon, Anesthetist, Medical Practitioner, Consultants, Specialist fees, Cost of Medicines and Drugs.
  • Ambulance charges for emergency transportation to hospital as per specified limits.
  • Air Ambulance Benefit: Permitted up to 10% of the Sum Insured opted, during one policy period, applicable for sum insured of Rs.7.5 lakhs and above only.
  • Pre hospitalization expenses up to 30 days prior to admission in the hospital
  • Post hospitalization expenses up to 60 days after discharge from the hospital
  • Out-patient consultation (other than dental and ophthal) expenses up to limits mentioned in the table of benefits
  • Coverage for Domiciliary hospitalization for a period exceeding three days.
Section 2:
  • Expenses for Delivery - including Pre-natal and Post natal expenses up-to the limits specified. A waiting period of 36 months of continuous coverage under this policy with Star will apply.
  • Automatic coverage for the New Born (including internal and external congenital problems) up to the expiry of the current policy (On renewal this new born baby should be covered specifically)
  • Vaccination expenses for the New Born upto Rs.1000/- payable.
Section 3: Outpatient Dental, Ophthalmic treatment
  • Dental / Ophthalmic treatments as an out-patient - once in a block of every three years irrespective of whether a claim is made or not.
Section 4: Hospital Cash
  • Hospital cash benefit for each completed day of hospitalization.
Section 5: Health Check up
  • Cost of Health Check-up once after a block of every three claim-free years
Section 6: Bariatric Surgery
  • Expenses incurred on hospitalization for bariatric surgical procedure and its complications thereof are payable subject to a maximum of Rs.2,50,000/- during the policy period.
  • This maximum limit of Rs.2,50,000/- is inclusive of pre-hospitalization and post hospitalization expenses.
  • Claim under this section shall be processed only on cashless basis.
  • Coverage under this section is subject to a waiting period of 36 months and payable only while the policy is in force
Section 7: Accidental Death and Permanent Total Disablement
  • Cover against Accidental Death
  • The person chosen by the Proposer at the time of payment of premium as mentioned in the schedule herein is covered for Personal Accident
  • The sum insured for this section is equal to the sum insured opted for the Health insurance.
Section 8: Option for Second Medical Opinion
  • The Insured Person is given the facility of obtaining a Second Medical Opinion in electronic mode from a Doctor in the Company's network of Medical Practitioners
  • Medical records can be sent to the mail id e_medicalopinion@starhealth.in
Automatic Restoration of Sum Insured (Applicable for Section 1 Only)​
  • Upon exhaustion of Basic sum insured and the Bonus, sum insured will be automatically restored by 100% once policy period. Such restored Sum Insured can be utilized only for illness / disease unrelated to the illness / diseases for which claim/s was / were made.
  • Such restoration will be available for section 1 other than Section 1G.
Bonus: 

Following a claim free year bonus at 50% of the basic sum insured (max.100%) would be allowed. Where there is a claim the Bonus would be reversed in the same order in which it was given.

Eligibility

  • Persons between 18 years and 65 years of age at the time of entry can take this Insurance. Dependent children can be covered from 3 months and up to 25years of age. There is no upper age limit for continuous renewals.
  • This policy is both on Individual basis and on Family Floater basis. Family for the purpose of this policy means self, spouse and dependent children, not exceeding 

General Terms

Co-Payment:

10% of each and every claim for persons above 60 years at entry level and their subsequent renewals.

 

Tax Benefits:

Amount paid by any mode other than by cash for this insurance is eligible for relief under Section 80D of the Income Tax Act.

 

Free look period:

A free look period of 15 days from the date of receipt of the policy is available to the insured to review the terms and conditions of the policy. In case the insured is not satisfied with the terms and conditions, the insured may seek cancellation of the policy and in such an event the Company shall allow refund of premium paid after adjusting the cost of pre-acceptance medical screening, stamp duty charges and proportionate risk premium for the period concerned provided no claim has been made until such cancellation.

Free look cancellation is not applicable at the time of renewal of the policy.

 

NOTE: Renewal premium, terms and conditions are subject to change with prior approval from IRDAI.

Star Advantage

  • No third Party Administrator, direct in-house claim settlement.
  • Faster & hassle-free claim settlement.
  • Cashless hospitalization wherever possible.
  • Network of more than 8200+ hospitals across India.
  • 24x7 Toll Free Helpline.
  • Information on health through free health magazine.
  • Facility for maintaining personal health records in electronic format.

NOTE: The benefits mentioned herein are only an outline of the policy. For details please contact your nearest Star Health office or call toll free no 1800 425 2255 / 1800 102 4477.

Premium Chart

Premium Excluding Tax
Sum Insured Rs.5,00,000
Plan Type  Age Band (Years) RENEWALS ONLY
3m-35 36-45 46-50 51-55 56-60 61-65 66-70 71-75 Above
 75yrs
1A 7015 8075 13200 16100 18700 25750 35315 41410 54235
1A+1C 9180 10120 14240 16190 19700 31420 39280 51070 66400
1A+2C 10950 12020 19480 20510 23580 36990 46240 60120 78160
1A+3C 15590 17060 23460 26900 30270 41360 51700 67210 87380
2A 10420 12120 22400 23640 28560 38800 48500 63050 81970
2A+1C 13170 14340 23540 25810 31070 49800 62250 80930 105210
2A+2C 14800 16410 25390 28170 33330 53400 66750 86780 112820
2A+3C 17000 19150 28510 31200 36430 56000 70000 91000 118300
Premium Including Tax @ 18%
Sum Insured Rs.5,00,000
Plan Type  Age Band (Years) RENEWALS ONLY
3m-35 36-45 46-50 51-55 56-60 61-65 66-70 71-75 Above
 75yrs
1A 8278 9529 15576 18998 22066 30385 41672 48864 63997
1A+1C 10832 11942 16803 19104 23246 37076 46350 60263 78352
1A+2C 12921 14184 22986 24202 27824 43648 54563 70942 92229
1A+3C 18396 20131 27683 31742 35719 48805 61006 79308 103108
2A 12296 14302 26432 27895 33701 45784 57230 74399 96725
2A+1C 15541 16921 27777 30456 36663 58764 73455 95497 124148
2A+2C 17464 19364 29960 33241 39329 63012 78765 102400 133128
2A+3C 20060 22597 33642 36816 42987 66080 82600 107380 139594
Premium Excluding Tax
Sum Insured Rs.7,50,000
Plan Type  Age Band (Years) RENEWALS ONLY
3m-35 36-45 46-50 51-55 56-60 61-65 66-70 71-75 Above
 75yrs
1A 8540 10125 16865 19635 22885 30625 40830 49255 64190
1A+1C 11340 12340 17170 20600 26880 37660 47080 61210 79580
1A+2C 13330 14490 23330 24600 29470 44059 55080 71610 93100
1A+3C 18990 20620 28840 33550 38010 49066 61340 79750 103680
2A 13310 16330 28020 29520 35670 47030 58790 76430 99360
2A+1C 16660 18450 29320 32280 38310 59235 74050 96270 125160
2A+2C 18480 20260 31500 34950 41350 64384 80480 104630 136020
2A+3C 21020 22980 34470 38380 45430 66731 83420 108450 140990
Premium Including Tax @ 18%
Sum Insured Rs.7,50,000
Plan Type  Age Band (Years) RENEWALS ONLY
3m-35 36-45 46-50 51-55 56-60 61-65 66-70 71-75 Above
 75yrs
1A 10077 11948 19901 23169 27004 36138 48179 58121 75744
1A+1C 13381 14561 20261 24308 31718 44439 55554 72228 93904
1A+2C 15729 17098 27529 29028 34775 51990 64994 84500 109858
1A+3C 22408 24332 34031 39589 44852 57898 72381 94105 122342
2A 15706 19269 33064 34834 42091 55495 69372 90187 117245
2A+1C 19659 21771 34598 38090 45206 69897 87379 113599 147689
2A+2C 21806 23907 37170 41241 48793 75973 94966 123463 160504
2A+3C 24804 27116 40675 45288 53607 78743 98436 127971 166368
Premium Excluding Tax
Sum Insured Rs.10,00,000  
Plan Type  Age Band (Years) RENEWALS ONLY
3m-35 36-45 46-50 51-55 56-60 61-65 66-70 71-75 Above
 75yrs
1A 9725 11775 19865 22395 26170 34295 44745 55170 71625
1A+1C 13250 14670 20710 24590 32300 44972 56220 73090 95020
1A+2C 15000 16540 26920 29040 35060 47226 59040 76760 99790
1A+3C 20950 23030 33250 39250 44900 60670 75840 98600 128180
2A 15560 18840 33860 35830 43470 57270 71590 93070 121000
2A+1C 19110 21510 34910 38750 45540 72987 91240 118620 154210
2A+2C 20920 23520 37090 41610 49570 77414 96770 125810 163560
2A+3C 23630 26210 39480 44000 54150 81103 101380 131800 171340
Premium Including Tax @ 18%
Sum Insured Rs.10,00,000  
Plan Type  Age Band (Years) RENEWALS ONLY
3m-35 36-45 46-50 51-55 56-60 61-65 66-70 71-75 Above
 75yrs
1A 11476 13895 23441 26426 30881 40468 52799 65101 84518
1A+1C 15635 17311 24438 29016 38114 53067 66340 86246 112124
1A+2C 17700 19517 31766 34267 41371 55727 69667 90577 117752
1A+3C 24721 27175 39235 46315 52982 71591 89491 116348 151252
2A 18361 22231 39955 42279 51295 67579 84476 109823 142780
2A+1C 22550 25382 41194 45725 53737 86125 107663 139972 181968
2A+2C 24686 27754 43766 49100 58493 91349 114189 148456 193001
2A+3C 27883 30928 46586 51920 63897 95702 119628 155524 202181
Premium Excluding Tax
Sum Insured Rs.15,00,000 
Plan Type  Age Band (Years) RENEWALS ONLY
3m-35 36-45 46-50 51-55 56-60 61-65 66-70 71-75 Above
 75yrs
1A 12225 14275 22365 26410 30985 40610 49335 61935 79810
1A+1C 16230 18400 25710 29590 37300 51472 61770 80310 104410
1A+2C 19000 21540 31920 34040 42060 53726 64480 83830 108980
1A+3C 26450 29530 43250 50250 58900 73170 87810 114160 148410
2A 19560 22840 37860 40330 47970 61770 74130 96370 125290
2A+1C 23760 26510 39910 44250 51040 81737 98090 127520 165780
2A+2C 25560 28520 42090 46610 55070 86164 103400 134420 174750
2A+3C 30630 33210 46480 51500 65150 93603 112330 146030 189840
Premium Including Tax @ 18%
Sum Insured Rs.15,00,000 
Plan Type  Age Band (Years) RENEWALS ONLY
3m-35 36-45 46-50 51-55 56-60 61-65 66-70 71-75 Above
 75yrs
1A 14426 16845 26391 31164 36562 47920 58215 73083 94176
1A+1C 19151 21712 30338 34916 44014 60737 72889 94766 123204
1A+2C 22420 25417 37666 40167 49631 63397 76086 98919 128596
1A+3C 31211 34845 51035 59295 69502 86341 103616 134709 175124
2A 23081 26951 44675 47589 56605 72889 87473 113717 147842
2A+1C 28037 31282 47094 52215 60227 96450 115746 150474 195620
2A+2C 30161 33654 49666 55000 64983 101674 122012 158616 206205
2A+3C 36143 39188 54846 60770 76877 110452 132549 172315 224011
Premium Excluding Tax
Sum Insured Rs.20,00,000 
Plan Type  Age Band (Years) RENEWALS ONLY
3m-35 36-45 46-50 51-55 56-60 61-65 66-70 71-75 Above
 75yrs
1A 14100 16150 24435 29875 34920 44780 51730 64940 83680
1A+1C 18730 20900 28210 32590 40300 58431 70120 91160 118510
1A+2C 21630 24810 34920 37040 45560 76588 91910 119490 155340
1A+3C 29810 33640 48250 55250 64400 94745 113700 147810 192160
2A 22560 25840 40860 43330 50970 64770 77730 101050 131370
2A+1C 26760 29510 42910 47450 54540 97237 116690 151700 197210
2A+2C 28560 31520 45090 50110 58570 101664 122000 158600 206180
2A+3C 35090 37710 50980 56000 70650 109103 130930 170210 221280
Premium Including Tax @ 18%
Sum Insured Rs.20,00,000 
Plan Type  Age Band (Years) RENEWALS ONLY
3m-35 36-45 46-50 51-55 56-60 61-65 66-70 71-75 Above
 75yrs
1A 16638 19057 28833 35253 41206 52840 61041 76629 98742
1A+1C 22101 24662 33288 38456 47554 68949 82742 107569 139842
1A+2C 25523 29276 41206 43707 53761 90374 108454 140998 183301
1A+3C 35176 39695 56935 65195 75992 111799 134166 174416 226749
2A 26621 30491 48215 51129 60145 76429 91721 119239 155017
2A+1C 31577 34822 50634 55991 64357 114740 137694 179006 232708
2A+2C 33701 37194 53206 59130 69113 119964 143960 187148 243292
2A+3C 41406 44498 60156 66080 83367 128742 154497 200848 261110
Premium Excluding Tax
Sum Insured Rs.25,00,000 
Plan Type  Age Band (Years) RENEWALS ONLY
3m-35 36-45 46-50 51-55 56-60 61-65 66-70 71-75 Above
 75yrs
1A 15265 17615 26215 32140 37665 47555 53885 67655 87180
1A+1C 21130 23900 31210 35590 43300 73931 88720 115340 149950
1A+2C 24130 27810 37920 40040 49560 94088 112910 146790 190830
1A+3C 33310 37340 52250 59250 69400 112245 134700 175110 227650
2A 25060 28340 43360 46030 53670 67470 80970 105270 136860
2A+1C 29260 32010 45410 50150 57240 114737 137690 179000 232700
2A+2C 31260 34220 47790 53110 61570 119164 143000 185900 241670
2A+3C 39110 41710 54980 60500 76150 126603 151930 197510 256770
Premium Including Tax @ 18%
Sum Insured Rs.25,00,000 
Plan Type  Age Band (Years) RENEWALS ONLY
3m-35 36-45 46-50 51-55 56-60 61-65 66-70 71-75 Above
 75yrs
1A 18013 20786 30934 37925 44445 56115 63584 79833 102872
1A+1C 24933 28202 36828 41996 51094 87239 104690 136101 176941
1A+2C 28473 32816 44746 47247 58481 111024 133234 173212 225179
1A+3C 39306 44061 61655 69915 81892 132449 158946 206630 268627
2A 29571 33441 51165 54315 63331 79615 95545 124219 161495
2A+1C 34527 37772 53584 59177 67543 135390 162474 211220 274586
2A+2C 36887 40380 56392 62670 72653 140614 168740 219362 285171
2A+3C 46150 49218 64876 71390 89857 149392 179277 233062 302989
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