Star Health Comprehensive Plan: Premiums & Benefits | PolicyX
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Star Comprehensive Plan

An ideal health insurance plan for families and individuals with a min ...Read More

Up to 1 Cr
Sum insured
1
No. of plans
850+
Pan India presence
99.06%
Claim settlement ratio
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🛡️ IRDAI Approved
⭐ 4.4/5 · 2,758 reviews
🏥 14,000+ hospitals
📊 2.21 solvency ratio
✅ 99.06% claim settlement

About Star Comprehensive Plan

A quick read on what this Star Health Insurance plan covers and why it might be a fit for you.

Get comprehensive coverage at affordable premiums.

Star Comprehensive Insurance Policy is a complete health insurance plan that addresses all the healthcare needs of individuals and families. This plan by Star Health Insurance offers necessary financial protection during medical emergencies without any sub-limits. Star Comprehensive Health Insurance also provides coverage for accidental death and permanent total disability, ensuring a secure future irrespective of any medical issue.

The Star Comprehensive Insurance Policy is available for both individuals and families. It provides coverage for medical expenditures related to bariatric surgery operations and their consequences, second medical opinions, maternity (both normal and C-section delivery), and many daycare services.

Plan at a glance

Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.

Entry age
3 Months to 65 Years
Plan type
Individual and Family Health Insurance
Waiting period
30 days
Renewability
Lifetime
Policy term
1 / 2 / 3 year

*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.

Pros & cons

A quick honest summary — the strengths and the trade-offs.

Pros

  • 99.6% CSR
  • Up to ₹1 Cr SI
  • Maternity Cover
  • Newborn Baby Cover
  • Road and Air Ambulance

Cons

  • No Global Coverage
  • No IVF Treatment
  • No Compassionate Travel
  • HIV/AIDS not covered

What's covered

Every CMS-driven coverage flag from the plan wording — only items with a published value render below.

Hospitalization

  • Room rent Covered
  • ICU charges Covered
  • Pre-hospitalization Covered
  • Post-hospitalization Covered
  • Domiciliary hospitalization Covered
  • Day-care treatment Covered
  • OPD charges Covered
  • Covid-19 treatment Covered
  • Cataract Covered

Bonuses & restoration

  • No-claim bonus Covered
  • Automatic restoration of SI Covered
  • Daily hospital cash Covered

Family & special care

  • Maternity cover Covered
  • New-born baby cover Covered
  • IVF treatment Not covered
  • AYUSH treatment Covered
  • Organ donor expenses Covered

Modern & preventive care

  • Modern treatment Covered
  • Road ambulance Covered
  • Air ambulance Covered
  • E-consultation Not covered
  • Health check-up Covered
  • Second medical opinion Covered
  • Vaccination Covered

Conditions & global

  • Co-payment Applicable
  • Sub-limits Applicable
  • Compassionate travel Not covered
  • Global coverage Not covered

Video reviews

Walkthroughs from the PolicyX team — pros, cons, real claim experiences and who should buy.

Star Comprehensive Health Insurance

Star Comprehensive Health Insurance

we re going to give you an overview of the Star Comprehensive Insurance Plan. In this video, we ll cover the following key topics:

Star Health Comprehensive Plan Benefits

The Star Comprehensive Insurance Policy offers a multitude of advantages to its customers, from mid-term inclusion to coverage for accidental death. Find the details below:

  • Mid-term Inclusion Available

    The plan allows for mid-term inclusion of a newly wedded spouse or newborn baby by paying an additional premium.

  • Bariatric Surgery

    Expenses incurred on hospitalization for bariatric surgical procedures and their complications are payable under the plan, up to a maximum limit of ₹2.5 Lakhs and ₹5 Lakhs.

  • Covers Accidental Death and Permanent Total Disablement

    Coverage for children and senior citizens above 70 is available up to a Sum Insured of ₹10 Lakhs.

  • Star Wellness Programme

    The plan rewards the insured person's healthy lifestyle through various wellness activities. Policyholders can avail discounts on renewal premiums based on 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%

  • Buy Back Pre-Existing Disease

    By paying an additional premium, policyholders have the option to reduce their waiting period for Pre-Existing Diseases from 36 months to 12 months.

  • Tax Benefits

    Premiums paid towards the Star Comprehensive Insurance Policy are eligible for tax relief under Section 80D of the Income Tax Act, 1961.

  • Maternity Benefits

    The plan covers all expenses related to maternity, including coverage for newborn babies and delivery (both normal & C-section).

  • Higher Sum Insured

    Sum Insured options are available up to ₹1 Crore.

  • No Co-Payment

    No co-payment is required up to 60 years of age; a 10% co-payment is applicable after 60 years.

  • Coverage for Dental Treatment

    The treatment cost for acute dental procedures is covered under the plan.

Key Features of Star Comprehensive Plan

  • The plan provides a 30-day waiting period for all illness-related treatments.
  • There is no exit age for the policy.
  • No pre-acceptance medical screening is required.
  • Road ambulance expenses are also covered in case of emergency.
  • Maternity benefits cover delivery and newborn baby charges.

Star Health Insurance Network Hospital List

Star Health Insurance Network Hospitals are present in 31 states nationwide. With a wide network of hospitals, Star Health Insurance ensures that you are medically secured, irrespective of the city you reside in.

Delhi Mumbai Bengaluru Chennai Kolkata Hyderabad Pune Ahmedabad Jaipur Lucknow

Know More About Network Hospitals →

Sample premium

Indicative premium examples — your actual quote depends on age, declared medical history, sum insured and add-ons.

Star Comprehensive Premium

To help you understand the premium amounts for the Star Health Insurance Comprehensive Plan, PolicyX.com has calculated sample premiums for different sum insured options based on various family sizes. Refer to the tables below:

1 Adult

Sum Insured (in Rs.) 10 Lakhs 15 Lakhs 25 Lakhs 50 Lakhs 1 Crore
Premium Payable 11,476 14,426 18,013 19,818 23,016

2 Adults

Sum Insured (in Rs.) 10 Lakhs 15 Lakhs 25 Lakhs 50 Lakhs 1 Crore
Premium Payable 18,361 23,081 29,571 32,533 37,772

2 Adults + 1 Kid

Sum Insured (in Rs.) 10 Lakhs 15 Lakhs 25 Lakhs 50 Lakhs 1 Crore
Premium Payable 22,550 28,037 34,527 37,984 44,108

2 Adults + 2 Kids

Sum Insured (in Rs.) 10 Lakhs 15 Lakhs 25 Lakhs 50 Lakhs 1 Crore
Premium Payable 24,686 30,161 36,887 40,580 47,117

Inclusions & exclusions

What the plan pays for, and what it doesn't.

Exclusions

  • There is a list of certain conditions and treatments that the Star Health Comprehensive Policy does not cover. A few of them are listed below:
  • Permanent diseases or health conditions that are not included under the Star Health Comprehensive plan are:
  • Intentional self-injury
  • Mental illness
  • Cosmetic & aesthetic treatment
  • Congenital disease
  • Infertility and in vitro fertilization
  • Dental surgery
  • AIDS
  • Miscarriage and abortion
  • Hospitalization due to war, riot, strike, and nuclear weapons.
  • Certain diseases and treatments are covered under this plan after a specific waiting period. Read the details below:
  • Listed ailments after 24 Months
  • Pre-existing diseases after 36 Months

Who can buy this plan

Eligibility criteria pulled straight from the policy wording.

  • Entry Age: - 3 Months
  • Max Entry Age: - 65 Years
  • SI: - ₹5 L to ₹1 Cr
  • Waiting Period: - 30 Days

Other features & benefits

  • Individual and Family Floater
  • Mid-term Inclusion Available
  • Accidental Death
  • Permanent Total Disablement
  • Star Wellness Program

Star Comprehensive Plan: FAQs

The 15 most-asked questions about Star Comprehensive Plan, answered.

Yes, Star Comprehensive Health insurance offers a cumulative bonus of a maximum of up to 100% of the sum insured.
Star Comprehensive health insurance is a complete health insurance plan that offers a wide range of coverage to you and your family. Bariatric surgeries, air ambulance cover, AYUSH treatment, accidental death cover are some of the benefits that you will get on buying the Star Heath Comprehensive plan.
No, the star health comprehensive policy does not cover critical illnesses.
No. However, you can revise your sum insured at the time of renewal.
Expenses incurred on acute treatment of the eye are payable once in the 3 years of continuous coverage.
You have to submit these documents for making a successful claim in the star health comprehensive plan: Health card Prescription documents issued by the doctor Discharge summary from the hospital Original medical bills All investigative reports in original Hospital records KYC documents if your claim amount is more than INR 1 lakh The claim form, filled and signed NEFT and KYC details for reimbursement claims Medico-legal certificate or FIR in case of accidental hospitalization
The medical expenses incurred due to hospitalization for bariatric surgery procedures or any related complication are covered under Star Comprehensive insurance policy. These expenses are covered up to a maximum limit of 2.5 Lakhs and 5 Lakhs.
Star Comprehensive insurance policy rewards insured members with a number of wellness activities on maintaining a healthy lifestyle. One can avail of discounts in the renewal premium as per the earned wellness points.
Yes, you can reduce the waiting period for pre-existing diseases under the Star Health Comprehensive plan by adding the ’Buy Back Pre-existing Disease’ benefit on paying an additional premium.
Yes, you will get a cashless hospitalisation facility at any of the wide range of network hospitals under the Star Health Insurance Company.
You will get a 24-month waiting period from the date of issuance of the policy.
You will get hospitalisation coverage, maternity benefits, pre-hospitalisation, post-hospitalisation, domiciliary treatment and much more exclusive benefits.
Yes, pre-existing conditions are covered after completing the waiting period.
Yes, you can add riders like critical illness cover, or personal accident cover to customise the policy as per your specific need.
Star Comprehensive health insurance policy is a complete health insurance plan that takes care of the healthcare needs of the policyholders.

Explore Star Health Insurance

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Written and reviewed by

PolicyX content is researched in-house and reviewed by an IRDAI-certified insurance specialist before publication.

Written by Simran saxena — Health and Term Insurance Reviewed by Anchita Bhattacharyya — Health, Term & Life Insurance
Last updated: 7 Feb 2024 · Originally published: 12 Sep 2024

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