Star Comprehensive Policy
  • Key Features of Star Comprehensive
  • Sample Premium Illustration of the Plan
  • Understand the Online Buying Process

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Star Comprehensive Insurance Policy

Star Comprehensive is a health insurance plan that looks after all healthcare needs of you and your family. The plan offers the necessary financial protection at a time of medical emergency so that you or your family doesn't have to worry about the expenses.

With a range of benefits, and a coverage of up to Rs. 1 Crore, Star Health Comprehensive Plan ensures that all your medical needs are looked after.

Eligibility Criteria Of Star Comprehensive Insurance Policy

Entry Age Minimum: 3 Months
Maximum: 65 Years
Renewal Lifetime Renewability
Policy Type Individual/Floater (Family Size: Maximum 2 Adults + 3 Dependent Children)
Policy Term 1 year/2 years/3 years
Sum Insured Rs.5,00,000; Rs.7,50,000; Rs.10,00,000; Rs.15,00,000; Rs.20,00,000; Rs.25,00,000; Rs.50,00,000; Rs.75,00,000 ; Rs.1,00,00,000

**Last Updated on July, 2021

Key Features of Star Comprehensive Insurance Policy

  1. Midterm Inclusion Available

    When you enter a new phase in your life, be it marriage or parenthood, you will need a good insurance plan to secure your happiness. It will also allow you to provide a security blanket for your newly wedded spouse or newborn baby. The plan comes with a feature of midterm inclusion on paying an additional premium.

  2. Maternity Coverage

    The plan covers expenses related to pregnancy such as delivery (normal and Caesarean delivery) charges, vaccination of your newborn baby, or coverage of the newborn baby. However, coverage under this section is subject to a waiting period of 24 months and payable only while the policy is in force.

  3. Health Check-up

    For every claim-free year, the company offers you a health check free of cost.

  4. Bariatric Surgery

    The expenses incurred on hospitalization for bariatric surgical procedure and its complications are payable under the plan up to the maximum limit of Rs.2,50,000 and Rs.5,00,000.

  5. No Pre-Medical Screening

    To avail the benefits of the plan, you don't have to go through a pre-acceptance medical screening.

  6. Second Medical Opinion Available

    If the policyholder is unsatisfied with the present doctor or their treatments, then they have the option to avail second medical opinion in electronic mode from a Doctor in the Company's network of Medical Practitioners.

  7. Covers Accidental Death and Permanent Total Disablement

    In an unfortunate event of Accidental Death or Permanent Total Disability following an accident, the plan offers the coverage up to Rs. 1,00,00,000.

  8. Star Wellness Programme

    With this feature of the Star Comprehensive Plan, the plan intends to promote and reward the insured person's healthy lifestyle through various wellness activities. One can avail discount in the renewal premium with their earned wellness points. The following table shows the discount on premium available under the Wellness Program:

    Wellness Points Discount in Premiums
    200 to 350 2%
    351 to 600 5%
    601 to 750 7%
    751 to 1000 10%
  9. Buy Back Pre-Existing Disease

    By paying the additional premium, the policyholder has the option to reduce their waiting period for Pre-Existing Diseases from 36 months to12 months.

  10. Coverage For Modern Treatments

    Modern Treatments such as Deep Brain Stimulation, Oral Chemotherapy, Immunotherapy-Monoclonal Antibody to be given as an injection, intra vitreal injections, etc. are covered under the plan.

  11. AYUSH Treatments

    Expenses incurred on treatment under AYUSH (Ayurveda, Unani, Sidha, and Homeopathy) are also covered under the plan, up to the limits specified by the company.

  12. Tax Benefits

    Amount paid towards the premium of this plan is eligible for tax relief under Section 80D of the Income Tax Act, 1961.

Sample Illustration of Star Comprehensive Plan:

For a better understanding of how much premium you need to pay, we at PolicyX.com have calculated the premium amount for different age groups with different sum insured options. We have assumed coverage for 1 adult against the indicated sum insured for a policy term of 3 years, paid in full. In the below-given table and chart, you will get an idea and can choose according to your needs and budget.

Sum Insured Options (in Rs.) Age (in years)
30 40 50
7,50,000 19,659 21,771 34,598
10,00,000 22,550 25,382 41,194
15,00,000 28,037 31,282 47,094
25,00,000 34,527 37,772 53,584
50,00,000 37,984 41,554 58,947
1,00,00,000 44108 48,244 68,440

**Last Updated on July, 2021

Premium Illustration of Star Comprehensive Plan With Different Sum Insured Options and Different Age groups

Sample Premium Illustration of Star Comprehensive in Different scenarios

What Does Star Comprehensive Insurance Plan Offer?

To ensure that all your medical needs are looked after, Star Comprehensive Plan offers a pool of coverage to its policyholders. From the below table, you can get an insight into the coverage offered by the plan. Have a look:

Coverage Table of Star Health Comprehensive Plan
Sum Insured (In Lakhs) 5 7.5 10 15 20 25 50 75 100
Room, Boarding and Nursing charges Private Single A/C
ICU/Operation Theatre Charge Actual
Road Ambulance Charges (per policy period) Actual
Air Ambulance (per policy period) Up to Rs. 2,50,000 per hospitalization, not exceeding Rs. 5,00,000/- per policy period
Pre-Hospitalization Covered up to 60 days
Post-Hospitalization Covered up to 90 days
Outpatient Dental/Ophthal Coverage - Once in a block of every 3 years of continuous renewal Up to Rs. 5,000 Up to Rs. 5,000 Up to Rs. 10,000 Up to Rs. 10,000 Up to Rs. 10,000 Up to Rs. 10,000 Up to Rs. 15,000 Up to Rs. 15,000 Up to Rs. 15,000
Hospital Cash Rs. 500 per day Rs. 750 per day Rs. 750 per day Rs. 1,000 per day Rs. 1,000 per day Rs. 1,500 per day Rs. 2,500 per day Rs. 2,500 per day Rs. 2,500 per day
Delivery Charges - Normal Delivery Rs. 15,000 Rs. 25,000 Rs. 30,000 Rs. 30,000 Rs. 30,000 Rs. 30,000 Rs. 50,000 Rs. 50,000 Rs. 50,000
Delivery Charges - Caesarean Section Rs. 20,000 Rs. 40,000 Rs. 50,000 Rs. 50,000 Rs. 50,000 Rs. 50,000 Rs. 1,00,000 Rs. 1,00,000 Rs. 1,00,000
Coverage for Newborn Child Upto Rs. 1,00,000 Upto Rs. 2,00,000
Vaccination Expenses for Newborn Rs. 5,000 Rs. 10,000
Health Check-up Up to Rs. 2,000 Up to Rs. 2,500 Up to Rs. 3,000 Up to Rs. 4,000 Up to Rs. 4,500 Up to Rs. 4,500 Up to Rs. 5,000 Up to Rs. 5,000 Up to Rs. 5,000
Restoration benefit after exhaustion of sum insured (Applicable for Section 1 only) 100% (once during the policy period)
AYUSH Treatment Upto Rs 15,000 Upto Rs. 20,000 Upto Rs. 30,000
Wellness Program Available

**Last Updated on July, 2021

What's Not Covered Under The Star Comprehensive Insurance Policy?

There is a list of conditions that the plan doesn't cover. A few of them are listed below-

  • Intentional self-injury
  • Mental illness
  • Cosmetic & aesthetic treatment
  • Dental surgery
  • AIDS
  • Pregnancy, childbirth, miscarriage, and abortion
  • Congenital disease
  • Infertility and in vitro fertilization
  • Hospitalization out of war, riot, strike, and nuclear weapons

For a complete list of exclusions, refer to the star comprehensive insurance policy brochure.

Buying Process

Star Health Insurance Buying Process

  • Visit the official website of the company and click on the 'Buy Now' tab.
  • Fill in all the necessary details.
  • Once you have selected the plan of your choice, make the premium payment.
  • Your policy document will be mailed to you at your registered email address.

We, at PolicyX.com can provide a dedicated agent by your side during the claim settlement process. Below is its buying process.

  • Fill in the details in the 'Calculate Premium' form.
  • The next page will show all the available plans. Choose the best Star health plan and click on 'Buy Now'.
  • Pay the premium and your policy document will be shared with you on your registered email.

How To File A Claim Under Star Comprehensive Plan?

To file a claim under Star Comprehensive Plan, one can opt for either Cashless Facility or Reimbursement. Read below to understand the whole process:

For Cashless Claims:

  • Get admitted to one of the network hospitals of Star Health and inform the company (1800 425 2255/1800 102 4477 or e-mail them at support@starhealth.in).
  • Reach out to the hospital reception and show your Star Health ID card for identification.
  • Download and submit the pre-authorization form.
  • The form will then be processed further for verification by the company's assigned doctors. If required, an assigned field doctor may visit the patient at the hospital.
  • After discharge, the claim document will be sent to the company by the hospital and the amount will be settled (on approval).

Documents required for cashless claim submission by Hospital

  • Health card
  • Doctor's consultation papers
  • Discharge summary
  • Investigation reports (e.g. X-ray, scans, blood report, etc.)
  • Pharmacy invoices supported by respective prescriptions
  • In cases of accidents, Medico Legal Certificate (MLC) and/or FIR
  • KYC documents of the insured if the claimed amount exceed Rs.1, 00,000/-

For Reimbursement Claims:

  • All claims need to be intimated within 24 hours of hospitalization. Treatment can be taken at a non-network or network hospital of the company.
  • Avail treatment, settle all the bills, and file a claim for reimbursement.
  • Submit all the required documents like hospital bills, pharmacy bills, together with all the original documents of treatment and the claim form to the company within 15 days of the discharge.
  • After successful verification, the company will process the claim, and you will receive the amount in your registered bank account.

Documents required for reimbursement claim submission

  • Copy of Health card
  • Duly filled claim form
  • Pre-admission investigations and doctor's consultation papers
  • Discharge summary from the hospital in original.
  • Investigation reports (e.g. X-ray, scans, blood report, etc.)
  • Pharmacy invoices supported by respective prescriptions
  • Case receipts from the hospital, chemist
  • In cases of accidents, Medico Legal Certificate (MLC) and/or FIR
  • Copy of the KYC documents
  • NEFT details, Contact number, and E-mail ID

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Last updated on July, 2021

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