Star Comprehensive Insurance Policy

Get comprehensive coverage at affordable premiums.

Star Comprehensive insurance policy is a complete health insurance plan that looks after all the healthcare needs of individuals. This plan by Star Health Insurance offers the necessary financial protection during a medical emergency without any sub limit. Star Comprehensive health insurance also provides coverage for accidental death and permanent total disability, allowing you a secure future irrespective of any medical issue.

The Star Comprehensive Insurance policy is available for both individuals and families and provides coverage for medical expenditures for bariatric surgery operations and their consequences, second medical opinions, maternity (both normal and cesarean delivery), and many daycare services.

Star Comprehensive Plan Specifications

Entry Age

3 Months to 65 Years

Plan Type

Individual / Family Floater

Policy Term

1 / 2 / 3 year

Renewability

Lifetime Renewability

Sum Insured

5 | 7.5 | 10 | 15 | 20 | 25 | 50 | 75 Lakhs & 1 Crore

Initial Waiting Period*

30 Days

*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.

Read more specifications in the brochure.

Choose Your Star Health Comprehensive Plan

With an extensive range of benefits, and a vast coverage of up to Rs. 1 Crore, Star Health Insurance Comprehensive Plan ensures that all your medical needs are looked after. In the below section, you can get an insight into the coverage offered by the plan. Have a look:

Coverage for SI: 5L

In-patient & Out-patient Coverage

Room Rent

Private Single A/C Room

ICU Charges

Covered up to SI

Pre-Hospitalization

Covered up to 60 days

Post-Hospitalization

Covered up to 90 days

Domiciliary Hospitalization

Covered

Daycare Treatment

All Day care procedures covered

OPD Charges

Covered

Coverage Terms

COVID-19 Treatment

Covered

Cataract

Covered after 2 years

No Claim Bonus

Available up to 100% of SI

Automatic Restoration

Up to 100% SI restoration once during policy period

Daily Hospital Cash

500 per day

Organ Donor

Covered

Maternity Cover

Covered

New Born Baby Cover

Up to 1 Lakh

Alternative Treatments

AYUSH Treatment

Up to 15K

IVF Treatment

Not Covered

Modern Treatment

Covered

Emergency Coverage

Ambulance

Covered up to SI

Air Ambulance

Up to 5 Lakhs Per Policy

Compassionate Travel

Not available

Global Coverage

Not available

Wellness Programmes

E-Consultation

Not available

Health Check-Up

Up to 2K

Second Medical Opinion

Covered

Vaccination

Covered

Limitations

Co-payment

10% for every claim (applies to insured above 60)

Sub-limits

Applied to Modern treatments

Star Health Comprehensive Plan Benefits

Star Comprehensive insurance policy has a multitude of advantages to offer to its customers. From Midterm inclusion to coverage for accidental death, the Star Mediclaim Policy for Family has got everything covered.

Find the details below:

Midterm Inclusion Available
The plan comes with a feature of midterm inclusion under which one can include their newly wedded spouse or new born baby in their policy by paying an additional premium.
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 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 the SI amount of 10 Lakhs.
Star Wellness Programme
The plan rewards 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%
Buy Back Pre-Existing Disease
By paying an additional premium, policyholders has the option to reduce their waiting period for Pre-Existing Diseases from 36 months to 12 months.
Tax Benefits
Amount paid towards the premium of Star Comprehensive Insurance Policy is eligible for tax relief under Section 80D of the Income Tax Act, 1961.
Maternity Benefits
The plan covers all the expenses related to the maternity. You will get coverage for newborn babies along with delivery (both normal & c-section).
Higher Sum Insured
You will get up to INR 1 Crore of the sum insured.
No Co-Payment
Up to 60 years of age, you do not need to pay, but after 60 years a 10% co-payment is applicable.
Coverage for dental treatment
The treatment cost for acute dental procedures is covered under the plan.

Wellness Points	Discount in Premiums
200 to 350	2%
351 to 600	5%
601 to 750	7%
751 to 1000	10%

Key Features of Star Comprehensive Plan

The plan provides a 30-day waiting period for all the expenses related to the treatment of any illness.
There is no exit age for the policy.
No requirement for the pre-acceptance medical screening.
You will also get road ambulance expenses in case of emergency.
Maternity benefits will cover the charges for delivery and newborn babies.

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 Star Network Hospital

Choose Star Health Insurance Plan for

Star Comprehensive Plan Exclusions

There is a list of certain conditions and treatments that Star Health Comprehensive Policy doesn't cover. A few of them are listed below-

Permanent Exclusions

Permanent diseases or health conditions that are not included under 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 out of war, riot, strike, and nuclear weapons.

Coverage after Waiting Period

Certain diseases and treatments are covered under this plan after a certain time period. Read the details below:

Listed ailments after 24 Months

Pre-existing diseases after 36 Months

Star Comprehensive Premium

Get a better understanding of how much premium you need to pay under Star health insurance comprehensive plan. To make it easier for you, we at PolicyX.com have calculated the premium amount for different sum insured options based on different family sizes. Refer to the table 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

Explore Star Health Insurance

Explore other Star Health Plans

To cater to the different medical needs of an individual & their family, Star Health offers several Health Plans ranging from senior citizen plans to specialized plans for autistic children, to health insurance for cardiac patients, and many more.Take a look below to explore more:

Comprehensive

Star Family Health Optima Policy

The plan is ideal for the families who want to get covered under single sum insured.

Unique Features

Automatic Restroration of SI
Instant Recharge UPTO 30% of SI
New born baby cover from 16th day

Family Health Optima Policy (Pros)

No Pre-Policy Check-up
Lifelong Renewability
High SI available
COVID-19 cover
OPD covered

Family Health Optima Policy (Cons)

PED cover not available
Obesity Treatment Unavailable
Hazardous Activities
HIV/AIDS not covered
Cosmetic Surgery unavailable

Family Health Optima Policy (Other Benefits)

Long term discounts
Premium Payment flexibility
Health Check-up Cover
Domiciliary Hospitalization
Modern Treatment Cover

Family Health Optima Policy (Eligibility Criteria)

Entry Age - 18 Years
Max Entry Age - 65 Years
SI - 1 L to 25 L
Waiting Period - 30 Days

Youth-specific

Star Young Star Policy

Created for young individuals under 40 years of age. It also offers various benefits such as discounts on renewals, incentive-led wellness programs, lowest waiting periods.

Unique Features

No-claim bonus
Hospital daily cash
Automatic restoration of SI

Star Young Star Policy (Pros)

Mid-term inclusion
10% discount on early purchase
Star Wellness Program
Flexible-Premium Payment
2 Plan variants

Star Young Star Policy (Cons)

PED waiting period
Obesity Treatment Unavailable
Hazardous Activity not covered
HIV/AIDS not covered
Cosmetic Surgery unavailable

Star Young Star Policy (Other Benefits)

Hospital Cash Benefit
Lifelong Renewal
E-opinion
No-claim bonus
Automatic Restoration

Star Young Star Policy (Eligibility Criteria)

Entry Age - 18 Years
Max Entry Age - 40 Years
SI - 3 L to 1 Cr
Waiting Period - 30 Days

Protection Plan

Young Star Extra Protect

This plan is designed to enhance your base health policy’s sum insured to provide maximum coverage for room rent, modern treatment, etc.

Unique Features

Modern care optimization
Base plan enhancement
AYUSH treatment extender

Young Star Extra Protect (Pros)

Modern treatment coverage
Room rent limit extension
Base policy’s sum insured enhancement
Features similar to the base policy
Home care treatment

Young Star Extra Protect (Cons)

No maternity cover
Limited to SI of base policy
Organ donor expenses not covered
Vaccination not covered
COVID-19 care not covered

Young Star Extra Protect (Other Benefits)

Individual & family floater plan
Trusted insurance provider
Unlimited benefits up to SI
Cashless claim settlement
AYUSH Treatment cover

Young Star Extra Protect (Eligibility Criteria)

Minor entry age - 91 days - 25 years
Adult entry age - 18 - 40 year
SI - Base policy above INR 10 Lakhs
Waiting Period - As per the base policy

Standard

Star Arogya Sanjeevani Policy

A standard health plan mandated by IRDAI that covers all essential healthcare benefits including Ayush treatment, day care procedures, etc. for individuals and families.

Unique Features

Room rent up to 5K/day
Modern treatments covered
20% rural discount available

Arogya Sanjeevani Policy (Pros)

Affordable Plan
50% No Claim Bonus
Flexible Policy
Day Care Procedures Covered
Up to 25% of SI for Cataracts

Arogya Sanjeevani Policy (Cons)

5% Co-payment
Obesity Treatment Unavailable
Hazardous Activity not covered
HIV/AIDS not covered
Cosmetic Surgery unavailable

Arogya Sanjeevani Policy (Other Benefits)

Lifelong Renewal
Road Ambulance Cover
Day Care Procedures Covered
AYUSH treatment Cover
Rural Discount

Arogya Sanjeevani Policy (Eligibility Criteria)

Entry Age - 3 Months
Max Entry Age - 65 Years
SI - 1 L to 10 L
Waiting Period - 30 Days

Comprehensive

Star Medi Classic Policy (Individual)

A uniquely designed insurance policy that covers organ donor expenses up to sum insured, AYUSH treatments, modern treatments, and many more.

Unique Features

All Daycare procedures
Automatic Restoration
Domiciliary hospitalization

Medi Classic Policy (Individual) (Pros)

Plan Variants Available
Customizable Plan
Hospital-Cash Benefit
5% Family Discount
Organ Donor Cover

Medi Classic Policy (Individual) (Cons)

10% Co-payment
Obesity Treatment Unavailable
Hazardous Activity not covered
HIV/AIDS not covered
Cosmetic Surgery unavailable

Medi Classic Policy (Individual) (Other Benefits)

New Born Baby Cover
100% Super Restoration
Up to 100% No-claim Bonus
Psychiatric coverage
Patient Care Cover

Medi Classic Policy (Individual) (Eligibility Criteria)

Entry Age - 16 Days
Max Entry Age - 65 Years
SI - 1.5 L to 25 L
Waiting Period - 30 Days

Flexible

Star Health Gain Policy

Provides flexibility in terms of choosing the Sum Insured amount, premium amount, family size. It can be a perfect tax saver for you.

Unique Features

All Daycare procedures
Coverage for Modern Treatment
Outpatient Expense

Star Health Gain Policy (Pros)

Day Care Procedures Covered
Road Ambulance Available
Modern Treatments Available
Outpatient Benefit

Star Health Gain Policy (Cons)

20% Co-payment
Obesity Treatment Unavailable
Hazardous Activity not covered
HIV/AIDS not covered
Cosmetic Surgery unavailable

Star Health Gain Policy (Other Benefits)

Up to 60k Cataract cover
Room Rent Cover
ICU Cover
Wide SI options
Flexible Premiums

Star Health Gain Policy (Eligibility Criteria)

Entry Age - 91 Days
Max Entry Age - 65 Years
SI - 1 L to 5 L
Waiting Period - 30 Days

Individual Plan

Star Health Premier Policy

A unique health plan for individuals above the age of 50 years with no upper age entry limit. The plan comes with a high SI.

Unique Features

Affordable Premiums
Long Term Discounts
Automatic Restoration

Star Health Premier Policy (Pros)

Cataract Treatment Cover
10% Health Check- Up Discount
High SI
Home Care Treatment
Road Ambulance Cover

Star Health Premier Policy (Cons)

20% Co-pay applicable
Obesity Treatment Unavailable
Hazardous Activity not covered
HIV/AIDS not covered
Cosmetic Surgery unavailable

Star Health Premier Policy (Other Benefits)

Hospice Care
Pain Management
AYUSH Treatment
Modern Treatment
100% Cumulative Bonus

Star Health Premier Policy (Eligibility Criteria)

Entry Age - 91 Days
Max Entry Age - No Age Limit
SI - 10 L to 1 Cr
Waiting Period - 30 Days

Women Care

Star Women Care Plan

A special plan designed for women, wherein women can avail multifold benefits along with the coverage to the whole family.

Unique Features

Coverage for Modern Treatments
Coverage during Pregnancy
Preventive Health Check Up

Star Women Care Plan(Pros)

Designed for Women's Care
Cancer cover optional
Bariatric Surgery Cover
Mid-term inclusions
High SI

Star Women Care Plan (Cons)

Obesity Treatment Unavailable
Hazardous Activity not covered
HIV/AIDS not covered
Cosmetic Surgery unavailable
Congenital Disease Cover

Star Women Care Plan (Other Benefits)

10% long-term discount
10% Air Ambulance Cover
Pain Management Cover
Assisted Reproduction
Automatic Restoration

Star Women Care Plan (Eligibility Criteria)

Entry Age - 91 Days
Max Entry Age - 75 Years
SI - 5 L to 1 Cr
Waiting Period - 30 Days

Senior Citizen

Star Health Senior Citizens Red Carpet Policy

The plan is specially designed for those individuals who are willing to secure their old-age medical needs after their retirement.

Unique Features

Guaranteed Lifelong renewals
No Pre-acceptance Medical test
Availability of Instalment Facility

Senior Citizens Red Carpet Policy (Pros)

Individual & family floater plan
Flexible SI
Road Ambulance Cover
ICU cover
Health Check-up cover

Senior Citizens Red Carpet Policy (Cons)

Obesity Treatment Unavailable
Hazardous Activity not covered
HIV/AIDS not covered
Cosmetic Surgery unavailable
Congenital Disease Cover

Senior Citizens Red Carpet Policy (Other Benefits)

Flexible-Premium Payment
Cataract Treatment available
Modern treatment cover
No pre-policy checkup
OP Consultation

Senior Citizens Red Carpet Policy (Eligibility Criteria)

Entry Age - 60 Years
Max Entry Age - 75 Years
SI - 1 L to 25 L
Waiting Period - 30 Days

Top-up

Star Super Surplus Policy

The plan offers additional coverage to the policyholder in case their existing coverage is exhausted.

Unique Features

All Daycare procedure
Pre and Post Hospitalization
Organ Donor Expense

Star Super Surplus Policy (Pros)

Flexible Policy
Avail Long Term Discount
Cover family up to 2A+3C
Lifelong renewal
2 Plan variants

Star Super Surplus Policy (Cons)

Includes Deductibles
Hazardous Activity not covered
HIV/AIDS not covered
Cosmetic Surgery unavailable
Congenital Disease Cover

Star Super Surplus Policy (Other Benefits)

Avail e-opinions
Star Wellness Services
Recharge benefit
Air Ambulance
No pre-policy Medical check-up

Star Super Surplus Policy (Eligibility Criteria)

Entry Age - 18 Years
Max Entry Age - 65 Years
SI - 5 L to 1 Cr
Waiting Period - 30 Days

Critical Illness

Star Criticare Plus Policy

Provides reimbursement of hospitalization expenses and also provides a total amount of sum insured if the insured person is diagnosed with a major illness.

Unique Features

Modern Treatment Covered
Non-allopathic Treatment
Coverage Medicine and drugs cost

Care Policy

Star Cardiac Care Policy-Platinum

A unique plan designed for cardiac care with a wide range of sum-insured options and flexible payment options

Unique Features

High SI available
100% No Claim Bonus
Avail Non-Cardiac Cover

Star Cardiac Care Policy-Platinum (Pros)

Avail Heart Transplantation
Long Term Policy
Up to 15 L SI
Cardiac device cover
Installment options available

Star Cardiac Care Policy-Platinum (Cons)

Obesity Treatment Unavailable
Hazardous Activity not covered
HIV/AIDS not covered
Cosmetic Surgery unavailable
Congenital Disease Cover

Star Cardiac Care Policy-Platinum (Other Benefits)

Wellness Services
Angiogram Test
Modern Treatments
Pain Management
Health Check-ups

Star Cardiac Care Policy-Platinum (Eligibility Criteria)

Entry Age - 7 Years
Max Entry Age - 70 Years
SI - 5 L to 15 L
Waiting Period - 30 Days

Affordable Plan

Star Hospital Cash Policy

It is designed to care for your incidental expenses such as travel, food, etc. that are not covered under your Health Insurance Policy in the event of Hospitalization.

Unique Features

Two Plan Variants
Individual and Family Floater
Affordable

Star Hospital Cash Policy (Pros)

3 Years Policy Term
Cover up to 3 Children
180 days of hospital cash days
Comprehensive Plan
Various Hospital Cash Covers

Star Hospital Cash Policy (Cons)

Obesity Treatment Unavailable
Hazardous Activity not covered
HIV/AIDS not covered
Cosmetic Surgery unavailable
Injuries due to breach of law

Star Hospital Cash Policy (Other Benefits)

Sickness Hospital Cash
Accident Hospital Cash
ICU Hospital Cash
Child Birth Hospital Cash
Worldwide Hospital Cash

Star Hospital Cash Policy (Eligibility Criteria)

Entry Age - 91 Days
Max Entry Age - 65 Years
SI - 1k - 5k
Waiting Period - 30 Days

Cardiac

Star Cardiac Care Policy

Star Cardiac Care is ideal for those individuals who want to cover the expenses of cardiac & non-cardiac ailments.

Unique Features

Accidents and non-cardiac ailments
Day care procedure
No pre-acceptance Medical test

Star Cardiac Care Policy (Pros)

Flexible Product
Personal Accident Cover
2 Plan Variants
Road Ambulance
Day Care Procedures

Star Cardiac Care Policy (Cons)

10% Co-Payment
PED
Cosmetic Surgery
Obesity Treatment
Change of Gender Treatments

Star Cardiac Care Policy (Other Benefits)

Personal Accident Cover
Heart Transplantation
OPD expenses Cover
Modern Treatment Cover
COVID-19 Cover
Cataract Cover

Star Cardiac Care Policy (Eligibility Criteria)

Entry Age - 10 Years
Max Entry Age - 65 Years
SI - 3 L to 4 L
Waiting Period - 30 Days

Cancer care

Star Cancer Care Gold (Pilot Product)

Covers the risk of spreading/recurrence of first cancer (metastasis) & second cancer (second malignancy)

Unique Features

Pre-hospitalization (30 days)
All daycare procedure
Nursing Expense

Autism Spectrum Disorder

Star Special Care Policy

Star Special Care provides coverage to children (3 years to 25 years) who are diagnosed with Autism Spectrum Disorder.

Unique Features

No Pre-medical test
Nursing Expense
Emergency Ambulance Charges

Star Special Care Policy (Pros)

Modern Treatment Available
Day Care Procedures Available
Ambulance cover
Room rent cover
Shared Accommodation cover

Star Special Care Policy (Cons)

Obesity Treatment Unavailable
Hazardous Activity not covered
HIV/AIDS not covered
Cosmetic Surgery unavailable
Pre-existing Diseases

Star Special Care Policy (Other Benefits)

Treatment of Seizures
Behavioral Therapy Cover
Speech Therapy Cover
Occupational Therapy Cover
Adeno Tonsillectomy

Star Special Care Policy (Eligibility Criteria)

Entry Age - 3 Years
Max Entry Age - 25 Years
SI - 3 L
Waiting Period - 30 Days

Individual Plan

Micro Rural and Farmers Care

An individual and floater basis rural plan with SI of 1 lakh and 2 lakh respectively. Comes with installment on premiums and lifelong renewal.

Unique Features

Day care procedures
Modern treatments
Cataract treatment

Micro Rural and Farmers Care (Pros)

Designed for Farmers
Flexible Policy
Day Care Procedures
Flexible Payment Options
PED cover available

Micro Rural and Farmers Care (Cons)

20% co-pay
Obesity Treatment Unavailable
Hazardous Activity not covered
HIV/AIDS not covered
Cosmetic Surgery unavailable

Micro Rural and Farmers Care (Other Benefits)

No Pre-policy medical checkup
Modern Treatments Covered
Lifelong Renewal
Up to 15k Cataract Cover
ICU cover

Micro Rural and Farmers Care (Eligibility Criteria)

Entry Age - 18 Years
Max Entry Age - 65 Years
SI - 1 L - 2 L
Waiting Period - 30 Days

Individual Plan

Star Out Patient Care

An OPD coverage policy with an individual and family floater option and 4 SI variants. Comes with 3 plan variants: Silver, Gold and Platinum.

Unique Features

Diagnostics and physiotherapy
Pharmacy
Ophthalmic cover

Star Out Patient Care (Pros)

Cover up to 6 family members
3 Plan variants available
Dental Cover available
Physiotherapy cover
Pharmacy cover

Star Out Patient Care (Cons)

Obesity Treatment Unavailable
Hazardous Activity not covered
HIV/AIDS not covered
Cosmetic Surgery unavailable
Breach of law

Star Out Patient Care (Other Benefits)

Dental Treatments Available
AYUSH Treatments Available
Ophthalmic Treatment
Outpatient Consultation
Renewal Discounts

Star Out Patient Care (Eligibility Criteria)

Entry Age - 18 Years
Max Entry Age - 50 Years
SI - 25k - 1 L
Waiting Period - 30 Days

Individual Plan

Star Accident Care Policy

An accidental coverage policy for individuals and families and comes with high sum insured. The policy gives cumulative bonus and multiple discounts.

Unique Features

Educational grant
Vehicle/Residence modification
Imported medicines

Individual Plan

Special Care Gold Insurance Policy

Special Care Gold is a special product tailored specifically for individuals with disabilities and those who are HIV/AIDS positive.

Unique Features

No pre-policy check-up
Affordable Plan
Flexible premium payment

Special Care Gold Insurance Policy (Pros)

HIV/AIDS Cover
Waiver of Co-Payment
Cataract Treatment Cover
Day Care Treatments
Road Ambulance Cover

Special Care Gold Insurance Policy (Cons)

20% Co-pay applicable
Obesity Treatment Unavailable
Hazardous Activity not covered
Cosmetic Surgery unavailable
Injuries due to breach of law

Special Care Gold Insurance Policy (Other Benefits)

Pre Hospitalization Cover
Post Hospitalization Cover
Disability Cover
High SI
Modern Treatment Cover

Special Care Gold Insurance Policy (Eligibility Criteria)

Entry Age - 18 Years
Max Entry Age - 65 Years
SI - 4 L to 5 L
Waiting Period - 30 Days

COVID-19

Star Novel Coronavirus (nCoV) (COVID-19) Insurance Policy

This plan is for individuals who want to protect themselves and their families against the deadliest virus of Covid-19.

Unique Features

No pre-medical Test
Only 16 days of Waiting Period
Low premium amount

COVID-19

Corona Kavach Policy

It covers the cost of hospitalization if the policyholder tested positive for COVID-19.

Unique Features

AYUSH Treatments
Home Care Treatment
No pre-medical screening test

COVID-19

Corona Rakshak Policy

This policy offers 100% sum insured to the policyholder if he/she tested positive for COVID-19.

Unique Features

No pre-medical screening test
Sum insured: INR 50K to 2.5Lakhs
Only 15 days Waiting Period

Accident Plan

Star Health Assure Insurance Policy

A new-age plan with loaded benefits covering hospitalization expenses arising due to illness or accident.

Unique Features

Premium Payment Flexibility
Wellness Program
Short Waiting Period

Assure Insurance Policy (Pros)

Second Medical Opinion
Health Check-up Covered
100% Cumulative Bonus
Compassionate Travel
AYUSH Treatment

Assure Insurance Policy (Cons)

10% Co-pay applicable
Deductibles
HIV/AIDS not covered
Cosmetic Surgery unavailable
Injuries due to breach of law

Assure Insurance Policy (Other Benefits)

In Utero Fetal Surgery
Pain Management
Rehabilitation Cover
Organ Donor Cover
Modern Treatment Cover

Assure Insurance Policy (Eligibility Criteria)

Entry Age - 18 Years
Max Entry Age - 75 Years
SI - 5 L - 2 Cr
Waiting Period - 30 Days

Individual Plan

Star Health Diabetes Safe Insurance Policy

A specified plan for Type 1 or Type 2 Diabetes with flexible plan options. Offers automatic sum restoration with accident cover.

Unique Features

Cataract Cover
Affordable Premiums
Flexible Payment Options

Diabetes Safe Policy (Pros)

Road Ambulance Cover
Pre and Post Hospitalization
ICU Cover
Room Rent Cover
Day Care Treatment Cover

Diabetes Safe Policy (Cons)

Obesity Treatment Unavailable
Hazardous Activity not covered
HIV/AIDS not covered
Cosmetic Surgery unavailable
Injuries due to breach of law

Diabetes Safe Policy (Other Benefits)

Dialysis Cover
Kidney Transplant Cover
Artificial Limbs Cover
Personal Accident Cover
OPD Cover

Diabetes Safe Policy (Eligibility Criteria)

Entry Age - 18 Years
Max Entry Age - 65 Years
SI - 3 L to 10 L
Waiting Period - 30 Days

Platinum Plan

Star Cancer Care Platinum Insurance Policy

A cancer oriented policy which offers all-round protection and covers the high medical bills of the disease.

Unique Features

High SI
Affordable Premiums
Flexible Payment Options

Cancer Care Platinum Policy (Pros)

Cataract Cover
No pre-medical check-up
Lump Sum Cover
50% Cumulative Bonus
Hospice Care

Cancer Care Platinum Policy (Cons)

Obesity Treatment Unavailable
Hazardous Activity not covered
HIV/AIDS not covered
Cosmetic Surgery unavailable
Injuries due to breach of law

Cancer Care Platinum Policy (Other Benefits)

Second Medical Opinion
Rehabilitation Cover
Pain Management
Day Care Treatment
Modern Treatment Cover

Cancer Care Platinum Policy (Eligibility Criteria)

Entry Age - 5 Months
Max Entry Age - 65 Years
SI - 5 L to 10 L
Waiting Period - 30 Days

Critical Plan

Star Critical Illness Multipay Insurance Policy

A critical illness policy providing lump sum benefit on diagnosis of Critical illnesses related to Cancer, Heart, Brain & Nervous System, and Major Organs.

Unique Features

High SI
Affordable Premiums
Tax Benefits

Critical Illness Multipay Policy (Pros)

Flexible Payment
Long Term Policy
Bone Marrow Transplantation
Heart Disease Cover
4 Group CI Covered

Critical Illness Multipay Policy (Cons)

Obesity Treatment Unavailable
Hazardous Activity not covered
HIV/AIDS not covered
Cosmetic Surgery unavailable
Injuries due to breach of law

Critical Illness Multipay Policy (Other Benefits)

Open Chest CABG
Heart Transplantation
Coma of Specified Severity
Wellness Programs
Major Head Trauma

Critical Illness Multipay Policy (Eligibility Criteria)

Entry Age - 18 Years
Max Entry Age - 65 Years
SI - 5 L to 25 L
Waiting Period - 30 Days

Critical Plan

Smart Health Pro Plan

A truly smart health plan launched by Star Health Insurance offering tailored healthcare solutions with a high sum insured of up to INR 1 crore.

Unique Features

Tax Benefits
High SI
Multiple Optional Covers

Smart Health Pro Plan (Pros)

Modify Room Category
Up to 600% Cumulative Bonus
Reduced Waiting Period
Non-Medical Items Covered
Unlimited Automatic Restoration

Smart Health Pro Plan (Cons)

Adventure Sports Injuries
AIDS not covered
Injuries due to Illegal activities
No IVF Treatment
Obesity Not Covered

Smart Health Pro Plan (Other Benefits)

Multiple Discounts Available
Family Health Cover
Daycare Treatments
Air Ambulance
Domiciliary Hospitalization

Smart Health Pro Plan (Eligibility Criteria)

Entry Age: 18 Years
Maximum Entry Age: 50 Years
SI - 5 L to 1 Crore
Waiting Period - 30 Days

Protection Plan

Star Extra- Protect Insurance Policy

Star Extra Protect is an add-on Cover that enhances the limits of existing covers in addition to offering new features to the base policy

Unique Features

Additional SI
Enhanced Protection
Tax Benefits

Extra- Protect Policy (Pros)

Enhanced Room Rent
Non-Medical Items Covered
Affordable Premiums
Baby Food Cover
Ambulance Cover

Extra- Protect Policy (Cons)

Obesity Treatment Unavailable
Hazardous Activity not covered
HIV/AIDS not covered
Cosmetic Surgery unavailable
Injuries due to breach of law

Extra- Protect Policy (Other Benefits)

Modern Treatment Cover
Oral Chemotherapy
Robotic surgeries
AYUSH Treatment
Home Care Treatment

Star Comprehensive Plan: FAQs

1. Does the star health comprehensive plan offer any cumulative bonus?

Yes, Star Comprehensive Health insurance offers a cumulative bonus of a maximum of up to 100% of the sum insured.

2. Is Star Health comprehensive plan good?

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.

3. Does Star health comprehensive cover critical illness?

No, the star health comprehensive policy does not cover critical illnesses.

4. What is Star Health's Comprehensive insurance policy?

Star Comprehensive health insurance policy is a complete health insurance plan that takes care of the healthcare needs of the policyholders.

5. Can I increase the sum insured amount in between the policy tenure?

No. However, you can revise your sum insured at the time of renewal.

6. Does Ophthalmic Treatment cover under Star Comprehensive health insurance?

Expenses incurred on acute treatment of the eye are payable once in the 3 years of continuous coverage.

7. What documents are needed for filing a claim under the star comprehensive health insurance plan?

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

8. What is the bariatric surgery benefit under Star Comprehensive insurance policy?

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.

9. What do you mean by Star Wellness Program?

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.

10. Can I get a rebate on the waiting period for pre-existing diseases under the Star Comprehensive health plan?

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.

11. Is Star Health Comprehensive plan cashless?

Yes, you will get a cashless hospitalisation facility at any of the wide range of network hospitals under the Star Health Insurance Company.

12. What is the waiting period for the Star Comprehensive insurance policy?

You will get a 24-month waiting period from the date of issuance of the policy.

13. What is the coverage under the Star Comprehensive Insurance policy?

You will get hospitalisation coverage, maternity benefits, pre-hospitalisation, post-hospitalisation, domiciliary treatment and much more exclusive benefits.

14. Are pre-existing conditions covered in the Star Comprehensive Plan?

Yes, pre-existing conditions are covered after completing the waiting period.

15. Can I customize my coverage with additional riders?

Yes, you can add riders like critical illness cover, or personal accident cover to customise the policy as per your specific need.

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Star Health Insurance Policy Review

Read what customers think about the Star Health Insurance Policy.

Simran

Jamshedpur

April 8, 2024

I am impressed by Star Health reward features and want to be associated with the insurer for a long time

Dinesh

Belgaum

April 8, 2024

I required emergency hospitalization on my family trip to a remote city and PolicyX helped me find the nearest network hospital of Star health insurance

Nitika

Jalandhar

April 8, 2024

My grandparents are over 60 years old and I wanted to look for the best senior citizen health plan for them when PolicyX introduced me to Star Red Carper Health policy

Ashima

Amritsar

April 8, 2024

I was skeptical about investing in a family health plan thinking the coverage features will not be enough but Star comprehensive health plan proved me wrong, thank you policyX for finding the b...

Shikha Bajaj

Gurgaon

April 8, 2024

I have been associated with Star Health Insurance for over 3 years now and have had a smooth insurance experience

Kanupriya

Rajkot

April 8, 2024

I liked how my Star health insurance provides health check-ups, hospitalization, accidental cover, and so on at an affordable rate. Thank you PolicyX for encouraging me to buy it.

Neha Sukheja

Indore

April 8, 2024

I got treated with Angioplasty surgery and I’m thankful that the Star Comprehensive plan covered my treatment expenses and saved my hard-earned money.

Vaidehi Kanaujia

Indore

April 8, 2024

I have been insured with a Star Health Assure policy that I bought at the suggestion of PolicyX’s agent. I got my claims settled two times in a year and I highly recommend this policy.

View All Star Health Insurance Reviews

Written By: Simran Kaur Vij

Simran is an insurance expert with more than 3 years of experience in the industry. She may have all the answers to your insurance queries. With a background in Banking, she proactively helps her readers to stay on par with all the latest Insurance industry developments.

SI Options	5L	7.5L	10L	15L	20L	25L	50L	75L	1Cr
Daily Hospital Cash (in Rs.)	500 per day	750 per day	750 per day	1Kper day	1K per day	1.5K per day	2.5K per day	2.5K per day	2.5K per day

SI Options	5L	7.5L	10L	15L	20L	25L	50L	75L	1Cr
New Born Baby Cover	Up to 1 Lakh						Up to 2 Lakhs

SI Options	5L	7.5L	10L	15L	20L	25L	50L	75L	1Cr
AYUSH Treatment	Up to 15K				Up to 20K		Up to 30K

SI (in Rs.)	5 L	7.5 L	10 L	15 L	20L	25L	50L	75L	1Cr
Uterine Artery Embolization and HIFU	1.25L	1.25L	1.5L	1.75L	2L	2L	2.25L	2.75L	3L
Balloon Sinuplasty	50K	50K	1L	1.25L	1.5L	1.5L	1.75L	2L	2L
Deep Brain Stimulation	2.25L	2.25L	3L	4L	4.5L	5L	6L	7L	7.5L
Oral Chemotherapy	1.25L	1.25L	2L	2.5L	2.75L	3L	4L	5L	6L
Immunotherapy	2.5L	2.75L	4L	5L	5.5L	6L	7.5L	9L	10L
Intra Vitreal injections	50K	60K	75K	1L	1.25L	1.5L	1.75L	2L	2L
Robotic surgeries	2.5L	2.75L	3L	4L	4.5L	5L	6L	7L	7.5L
Stereotactic Radio Surgeries	2L	2.25L	2.5L	2.75L	2.75L	3L	3.50L	3.75L	4L
Bronchial Thermoplasty	Up to Sum Insured
Vaporization of the prostate (Green laser/Holmium laser)
Intra Operative Neuro Monitoring
Stem Cell Therapy	2.5L	2.75L	4L	5L	5.5L	6L	7.5L	9L	10L

SI Options	5L	7.5L	10L	15L	20L	25L	50L	75L	1Cr
Health Check-Up	Up to 2K	Up to 2.5K	Up to 3K	Up to 4K	Up to 4.5K	Up to 4.5K	Up to 5K	Up to 5K	Up to 5K

SI	5	7.5	10	15	20	25	50	75	100
Normal Delivery Coverage	15K	25K	30K				50K
Caesarean Delivery Coverage	20K	40K	50K				1 Lakh

Star Comprehensive Insurance Policy

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Star Comprehensive Plan Specifications

Entry Age

Plan Type

Policy Term

Renewability

Sum Insured

Initial Waiting Period*

Choose Your Star Health Comprehensive Plan

In-patient & Out-patient Coverage

Coverage Terms

Alternative Treatments

Emergency Coverage

Wellness Programmes

Limitations

In-patient & Out-patient Coverage

Coverage Terms

Alternative Treatments

Emergency Coverage

Wellness Programmes

Limitations

In-patient & Out-patient Coverage

Coverage Terms

Alternative Treatments

Emergency Coverage

Wellness Programmes

Limitations

In-patient & Out-patient Coverage

Coverage Terms

Alternative Treatments

Emergency Coverage

Wellness Programmes

Limitations

In-patient & Out-patient Coverage

Coverage Terms

Alternative Treatments

Emergency Coverage

Wellness Programmes

Limitations

In-patient & Out-patient Coverage

Coverage Terms

Alternative Treatments

Emergency Coverage

Wellness Programmes

Limitations

In-patient & Out-patient Coverage

Coverage Terms

Alternative Treatments

Emergency Coverage

Wellness Programmes

Limitations

In-patient & Out-patient Coverage

Coverage Terms

Alternative Treatments

Emergency Coverage

Wellness Programmes

Limitations

In-patient & Out-patient Coverage

Coverage Terms

Alternative Treatments

Emergency Coverage

Wellness Programmes

Limitations

Star Health Comprehensive Plan Benefits

Midterm Inclusion Available

Bariatric Surgery

Covers Accidental Death and Permanent Total Disablement

Star Wellness Programme

Buy Back Pre-Existing Disease

Tax Benefits

Maternity Benefits

Higher Sum Insured

No Co-Payment

Coverage for dental treatment

Key Features of Star Comprehensive Plan

Star Health Insurance Network Hospital List

Delhi

Mumbai

Bengaluru