Star Comprehensive Insurance Policy

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IRDAI UIN: SHAHLIP22028V072122

HIGHLIGHTS

Plan Essentials

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PED Buy-Back

On payment of additional premium, the waiting period for Pre-Existing Diseases can be reduced from 3 years to 1 year this is an optional cover.
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Bariatric Surgery

Expenses incurred on hospitalisation for Bariatric surgical procedures are covered up to the limits mentioned in the policy clause.
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Delivery Benefit

Both Normal and C-section delivery (including pre and post-natal) expenses are covered up to the limits mentioned in the policy clause.
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Outpatient Cover

Outpatient consultation and outpatient treatment (Dental & Ophthalmic) expenses are covered up to the limits mentioned in the policy clause.
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Cumulative Bonus

For Sum Insured of Rs. 5 lakhs, Cumulative Bonus is calculated at 50% of the basic Sum Insured after every claim free year up to a maximum of 100%. For Sum Insured Rs. 7,50,000/- or above, Cumulative Bonus is calculated at 100% of the basic Sum Insured.
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Automatic Restoration of Sum Insured

On exhaustion of the basic Sum Insured during the policy period, 100% of the Sum Insured will be restored once in the policy year that can be utilised for illness or disease for which claims were already made.
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Personal Accident Cover

Worldwide personal accident cover is provided in case of accidental death or permanent total disablement of the insured person during the policy period at no additional premium.
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Hospital Cash

A cash benefit for each completed day in the hospital is provided up to the limits mentioned in the policy clause for a maximum of 7 days per hospitalisation and 120 days per policy period.
DETAILED LIST

Understand what’s included

IMPORTANT HIGHLIGHTS

Policy Type

This policy can be availed either on an Individual or Floater basis.

Entry Age

Any person aged between 18 and 65 years can avail this policy. Dependent children are covered from the 91st day onwards up to 25 years.

In-Patient Hospitalisation

Hospitalisation expenses incurred for a period of more than 24 hours on account of  illness, injury or accidents are covered.

Pre-Hospitalisation

Pre-hospitalisation medical expenses incurred up to 60 days before the date of admission to the hospital are covered.

Post-Hospitalisation

Post-hospitalisation medical expenses up to 90 days from the date of discharge from the hospital are covered.

Room Rent

There is no capping on room rent (Private Single A/C room), Boarding and Nursing expenses under this policy.

Road Ambulance

The policy covers ambulance charges for admission to the hospital, shifting from one hospital to another hospital for better facilities and from hospital to the residence.

Air Ambulance

Air ambulance expenses are also covered up to Rs. 2,50,000/- per hospitalisation, to the maximum of Rs. 5,00,000/- per policy period.

Mid-Term Inclusion

The newly married spouse and newborn baby can be included in the policy by paying an additional premium. The waiting periods will be applicable from the date of inclusion of new joiners.

Day Care Procedures

Medical treatments and surgical procedures that require less than 24 hours of hospitalisation due to technological advancements are covered.

Modern Treatment

Modern treatment expenses are payable to the extent of the limits mentioned in the policy clause.

Hospital Cash

A cash benefit for each completed day in the hospital is provided up to the limits mentioned in the policy clause for a maximum of 7 days per hospitalisation and 120 days per policy period.

Domiciliary Hospitalisation

Expenses incurred for domiciliary hospitalisation, including AYUSH, which is taken for a period of more than three days on the advice of a Medical Practitioner are covered.

Delivery Expenses

Delivery expenses including the Caesarean section (both pre-natal and post-natal) are covered up to the specified limits subject to the maximum of two deliveries.

New Born Cover

The hospitalisation expenses for the new born baby are covered up to the specified limits based on the opted Sum Insured.

Vaccination Expenses

Vaccination expenses for the new born baby are covered up to the specified limits based on the opted Sum Insured.

Automatic Restoration of Sum Insured

Upon exhaustion of the basic Sum Insured during the policy period, 100% of the Sum Insured will be restored once in the policy period.

Co-payment

This policy is subjected to co-payment of 10% of each and every claim amount for fresh as well as renewal policies for insured persons whose age at the time of entry is 61 years and above.

Bariatric Surgery

Hospitalisation expenses incurred for Bariatric surgical procedures are covered up to the limits of Rs. 2,50,000/- and Rs. 5,00,000/- which are inclusive of pre and post-hospitalisation expenses.

AYUSH Treatment

Expenses incurred for the treatment under Ayurveda, Unani, Sidha and Homeopathy systems of medicines in AYUSH Hospitals are covered up to the specified limits.

Outpatient Consultation

Outpatient expenses other than Dental and Ophthalmic treatments incurred in any Networked Facility are covered up to the limits mentioned in this policy.

Outpatient Consultation - Dental & Ophthalmic

Outpatient expenses incurred for Dental and Ophthalmic treatments are covered up to the limits mentioned in the policy clause. The insured person is eligible to avail this benefit after every block of three years.

Organ Donor Expenses

In-Patient hospitalisation expenses incurred for organ transplantation from the donor to the recipient insured person are payable provided the claim for transplantation is payable.

Health Check-Up

Health check-up expenses incurred at Network Hospitals are covered up to the specified limits for every claim-free year.

Second Medical Opinion

The Insured person can avail a Second Medical Opinion from a Doctor in the Company's network of medical practitioners. Medical records can be sent to the mail id e_medicalopinion@starhealth.in.

Star Wellness Program

Wellness program designed to motivate and encourage the healthy lifestyle of the insured person through various wellness activities. In addition, the earned wellness bonus points can be utilised for availing renewal discounts.

Instalment Options

The policy premium can be paid on a monthly, quarterly or half-yearly basis. It can also be paid on an annual, biennial (once in 2 years) and triennial (once in 3 years) basis.
Please refer to the Policy Documents to know the policy details and Terms & Conditions.
STAR HEALTH

Why Choose Star Health Insurance?

As a Health Insurance specialist, we extend our services from offering tailor-made products to fast in-house claim settlements. With our growing network of hospitals, we ensure easy access to fulfill your medical needs.

OUR CUSTOMERS

‘Happily Insured!’ with Star Health

We are committed to saving you time, saving you money, and getting rid of the hassles that make health insurance so hard to navigate.

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My friend told me to buy health insurance from Star Health Insurance. That helped me during my son’s illness. Their cashless treatment facility was very helpful at the time. I truly appreciate their service and support.

Tiji K Oommen

Thiruvananthapuram

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I have been with Star Health Insurance for the past 8 years, and have applied for two claims in that time. Both claims got settled, and I received good support from the company during my hospitalisation.

Vanishree

Bengaluru

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My family has been with Star Health Insurance since 2006. Our claim, which we applied during last month, was handled without any hassle. We are happy that we are part of such service providers.

Ramachandran

Chennai

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Customer Image
Star Health Insurance helped me a lot when I was in need. I was covered under Star’s Comprehensive policy, which provided me cashless treatment at their network hospital during my Angioplasty surgery.

Shaila Ganachari

Mumbai

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Customer Image
I have been using Mediclaim services for the last 7-8 years. I had tried other companies. But, I satisfied with the service Star Health Insurance has provided me, they also have friendly support personnel.

Sudhir Bhaiji

Indore

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user
Tiji K Oommen
Thiruvananthapuram

My friend told me to buy health insurance from Star Health Insurance. That helped me during my son’s illness. Their cashless treatment facility was very helpful at the time. I truly appreciate their service and support.

user
Vanishree
Bengaluru

I have been with Star Health Insurance for the past 8 years, and have applied for two claims in that time. Both claims got settled, and I received good support from the company during my hospitalisation.

user
Ramachandran
Chennai

My family has been with Star Health Insurance since 2006. Our claim, which we applied during last month, was handled without any hassle. We are happy that we are part of such service providers.

user
Shaila Ganachari
Mumbai

Star Health Insurance helped me a lot when I was in need. I was covered under Star’s Comprehensive policy, which provided me cashless treatment at their network hospital during my Angioplasty surgery.

user
Sudhir Bhaiji
Indore

I have been using Mediclaim services for the last 7-8 years. I had tried other companies. But, I satisfied with the service Star Health Insurance has provided me, they also have friendly support personnel.

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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.  

 

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.

 

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.