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

What is a Comprehensive Health Insurance Plan?

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

There are many comprehensive medical insurance policy benefits. Let’s discuss the health comprehensive insurance policy inclusions and exclusions here. Many comprehensive health 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 comprehensive health insurance policy. 

Benefits of the 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 limit as specified under the policy.
• The road ambulance transportation expenses during emergency conditions are covered.
• Medical consultation expenses incurred by outpatients 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.
• 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.
• The 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. Post-hospitalisation expenses for up to 90 days after being discharged from the hospital.

• Pre-hospitalisation charges and expenses for up to 60 days prior to getting admitted could be claimed. 
• It includes hospitalisation expenses such as room charges, nursing costs, boarding charges, anaesthetist's fee, specialist's fees, surgeon's fees, cost of drugs, pacemakers, and medicines. 
• AYUSH hospitalisation expenses like Homoeopathy, 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 hospitalisation charges are also included under this policy. 
• Health checkup facilities expenses are included below this plan.
• Also, the accidental death and permanent total disability 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 hospitalisation.

Exclusions of the Star Comprehensive Health Insurance Plan

Star Comprehensive Health Insurance Plan has some exclusions.
 

• 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 weapons and war-related perils. 
• Expenses for the treatment of endocrine disorders.
• There are some factors that help you choose comprehensive health insurance in India.

How to choose comprehensive health insurance in India?

There are many factors that help choose health insurance in India. While you select comprehensive medical insurance in India, you could consider 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: Analyse 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. Co-payment: Some of the plans only have a mandatory co-pay clause, which requires the policyholders to pay a percentage of every claim. 
6. Comparison 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 buying 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 the advantage of this bonus by raising your sum insured while you renew the health policy.  
12. Higher sub-limits: Choose a health insurance plan that has higher or no sub-limits for most categories of expenses. Additionally, they may have to choose from sub-limits, co-payments or voluntary deductibles to minimise 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 disclosed and see the coverage 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.