Star Comprehensive Insurance Policy

Star Health And Allied Insurance

4/5
Star Comprehensive is one stop solution which can take care of all of your hospitalization expenses. Through Star Comprehensive insurance, Star Health Insurance has not only tried to provide comprehensive cover but also has tried to cater health insurance needs of a larger group of individuals.
Need Smart Advice?
Schedule a call with our experts!
Please enter your name and a valid phone number
Thanks! We will get back to you soon.

Highlights of Star Comprehensive Insurance plan

  • Only health insurance plan which covers cost of Bariatric surgery
  • Provides additional cover in case of death due to accident or permanent total disability

Scope of cover

Indivdual Plan

Entry Age

Dependent children: 3 months - 25 years

Adults :

Minimum : 18 years

Maximum : 65 years

Number of Members Covered

Maximum Members : 2

Maximum Adults : 2

Maximum Children : 3

Sum Insured

5/7.5/10/15/20/25 lakhs


discount

No specific discounts


Policy Periods Available

1 year


Pre-Policy Medical Check-up

Above 50 years of age or with adverse medical history


Family Floater Plan

Entry Age

For children : 3 months - 25 years

Adults :

Minimum : 18 years

Maximum : 65 years

Number of Members Covered

Maximum Members : 2

Maximum Adults : 2

Maximum Children : 3

Sum Insured

5/7.5/10/15/20/25 lakhs


discount

No specific discounts


Policy Periods Available

1 year


Pre-Policy Medical Check-up

Above 50 years of age or with adverse medical history


Important Features

Day Care Treatments

Costs of 405 Day-Care treatments listed in the policy document are covered under this plan.

    No-Claim Benefits

    This plan offers bonus equal to 50% of basic sum insured up to a maximum of 100% is after every claim free year. However, this bonus is reduced by 50% of sum insured once a claim is made.

    Note: After any claim, only the cumulative bonus would be reduced at the time of renewal. However, the basic sum insured will not be affected.

      Pre Hospitalization

      Medical expenses as prescribed by the doctor, are covered up to a maximum 30 days before hospitalization under Star Comprehensive policy.

        Post Hospitalization

        Medical expenses as advised by the doctor, are covered up to a maximum 60 days before hospitalization under Star Comprehensive policy.

          Restore Benefits

          This plan offers restore benefit equal to 100% of the sum insured once in a policy period. For this restore to get activated,

          • The entire sum insured including the bonus amount (if any) should be exhausted.
          • The claims should be for unrelated ailments or for different family member.

            Good to Have Benefits

            OPD Expense Cover

            This plan covers outpatient expense for ophthalmic (eye) or dental treatment once after 3 years up to Rs. 5,000 or Rs. 10,000 depending on the sum insured value. Also medical consultation fees up to Rs. 1,200 or Rs. 1,500 or Rs. 2,100 or Rs. 2,400 or Rs. 3,000 or Rs. 3,300 (depending on the sum insured) is provided in this plan with a limit of Rs. 300 per consultation.

              Daily Hospitalization Allowance

              This plan offers a daily cash of Rs. 500 or Rs. 750 or Rs. 1000 or Rs. 1500 per day for a maximum of 7 days per hospitalization and 120 days per policy period depending on the sum insured value, after hospitalization exceeds 24 hours.

                Health Check-up

                This plan offers coverage for expenses on health check-up up to Rs. 5,000 or Rs. 7,500 or Rs. 12,000 depending on the sum insured value, once every 3 claim free years and continuous renewal.

                  Home Hospitalization/ Domiciliary Hospitalization

                  Medical expenses related to home hospitalization upon medical advice are covered up to sum insured after the hospitalization exceeds 3 days.

                    Emergency Ambulance

                    Depending on the sum insured, this plan covers expenses on road ambulance maximum in the range of Rs. 2000 to Rs. 5000. For air ambulance, the plan covers expenses up to 10% of sum insured only if the sum insured is above Rs. 5,00,000.

                      Value Adds

                      Eye-cover

                      This plan covers expenses on spectacles, contact lenses, etc. under outpatient expense cover with specified terms and conditions and up to the limits specified above.

                        Maternity Cover

                        This plan offers coverage for expenses on maternity. Expenses for a maximum of 2 deliveries are covered under this plan with sub-limits as follows:

                        • Normal delivery expenses up to Rs. 10,000 or Rs. 20,000 or Rs. 25,000 depending on the sum insured.
                        • Caesarean delivery up to Rs. 15,000 or Rs. 40,000 depending on the sum insured value.

                        Note: For claim under this benefit insured would not be eligible for pre and post hospitalization expense cover or daily cash benefit. Also, to make a valid claim both the spouse and self should be covered under this policy.

                          Dental Coverage

                          This plan offers coverage for dental expenses under outpatient benefit with terms and conditions as specified above in the OPD benefit section.

                            NEW BORN CHILD COVER:

                            If one registers for a valid claim under maternity coverage the expenses for new born would also get covered up to Rs. 50,000 or Rs. 1,00,000 depending on the sum insured value. Separate cover up to Rs. 1000 is also provided to cover expenses on vaccination.

                              BARIATRIC SURGERY COVER:

                              This plan offers coverage for expenses on Bariatric surgery up to Rs. 2,50,000 (including pre and post hospitalization expense cover) for insured above age 18 years.

                                PERSONAL ACCIDENT AND DISABILITY COVER:

                                This plan offers additional cover equal to sum insured in case of death or disability reported within 60 days from the date of and which occurs within 12 calendar months from the date of accident.

                                  SECOND MEDICAL OPINION:

                                  This policy provides an option to get second opinion through electronic media upon diagnosis of an ailment.

                                    Terms & Conditions

                                    Room Rent / Room Category

                                    With this plan, one get coverage for single standard A/C room in case of normal hospitalization and actual charges in case of ICU hospitalization.

                                      Co-Payment

                                      Insured whose age at the time of buying policy is above 60 years a co-payment equal to 10% of claimable expense needs to be paid.

                                        Waiting Period

                                        Cooling Off Period

                                        A cooling off period of 30 days is applicable on buying a policy for the first year. No claims (other than claims related to an accident) can be made in this cooling off period. There is no cooling off period applicable on renewal of this policy.

                                          Specific Illnesses

                                          Expenses for treatment of specific ailments listed in the policy wording like cataract, varicose veins, etc. are covered after a waiting period of 2 years.

                                            Pre-Existing Illnesses

                                            Any expenses for treatment of pre-existing ailments are covered after a waiting period of 48 months or 4 years.

                                              MATERNITY COVERAGE

                                              Any expenses related to maternity would get covered after waiting period of 36 months after buying the policy. For the second claim a waiting period of 24 months after the first claim would be applicable.

                                                BARIATRIC SURGERY COVERAGE:

                                                For any expense related to Bariatric surgery to get covered, a waiting period of 36 months or 3 years is applicable.

                                                  OPD EXPENSE COVER:

                                                  A waiting period of 3 years is applicable before any expense related to OPD gets covered.

                                                    Permanent Exclusions

                                                      • Hospital registration charges, record charges or admission charges, etc. would not get covered under this policy.
                                                      • Expenses attributable to self-inflicted injury (resulting from attempted suicide)
                                                      • War related injuries
                                                      • Tests and treatments related to in-vitro and fertilization treatment
                                                      • Expenses arising out of or in any way related to alcohol or drug use/misuse/abuse

                                                    Review of Star Comprehensive Insurance Policy

                                                    Rating- 4/5

                                                    Marketed as a “No capping” policy, this is Star Health’s all-in-one top-end health insurance policy that tries to pack in a host of unique benefits. Apart from the benefits like entitlement to Private AC Room, No Claim Bonus of up to 100% and Restore, the product has many unique covers like cover for Bariatric Surgery and Air Ambulance. Further, the plan provides Free Accidental Death and Disability cover to one adult. The policy then even attempts at covering Outpatient Medical Expenses, however the limits are too low to even talk here about.

                                                    **Reviews and ratings are based only on Benefits and Conditions. Things like Claim Settlement Ratio, Hospital Network have not been covered under product ratings. These are covered under Company ratings.

                                                    Health Insurance Policies @ Coverfox

                                                    Schedule a call with our experts!

                                                    Please enter a valid phone number
                                                    Thanks! We will get back to you soon.

                                                    I hereby authorize Coverfox to communicate with me on the given number for my Insurance needs. I am aware that this authorization will override my registry under NDNC.

                                                    Close