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Star Comprehensive Health Insurance

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Star Health Insurance
Star Comprehensive
Cashless Approval TAT90% Cashless claim settlement within 2 hrs
Claim Settlement Ratio89.90%
Network Hospitals14,000+
Pre-existing Disease Waiting Period1 year
Special BenefitsNo Extra Premium for Disease Coverage
Starting Premium for Rs. 5 lakhs SIRs. 410/month

About Star Comprehensive Health Insurance

When medical expenses are on the soar, Star Comprehensive Health Insurance policy can lessen its adverse effects by providing policyholders with financial assistance at the time of a medical emergency. It’s a complete family health insurance product with zero sub-limits or capping. The policy offers coverage to all family members under one sum insured. The entire family can be insured under this plan from the age of 3 months to 65 years. The children who are dependent on their parents can be covered under this plan until 25 years of age. In addition to these, lifelong renewals are also guaranteed under this plan

The plan offers an extensive range of benefits for eliminating health care related worries. Available on both an individual and family basis, the Star Comprehensive covers medical expenses incurred on bariatric surgical procedures and its complications, second medical opinion, maternity (normal and caesarean delivery), newborn baby cover, and several day care procedures.

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Key Inclusions and Exclusions of the Plan

What's Included

  • Coverage of pre-acceptance medical screening for 50+ years individuals
  • Air ambulance cover up to 10% of the sum insured for plans with SI more than Rs. 7.5 Lakh
  • Pre and post hospitalisation for 30 and 60 days respectively
  • Domiciliary hospitalisation coverage for medical treatment for a period exceeding three days
  • Hospitalisation cover like boarding and nursing costs, doctor fees, OT etc.

What's Not Included

  • Injury or illness caused due to war, invasion, warlike operations, nuclear weapon etc.
  • Dental treatment or surgery unless necessitated due to accidental injuries
  • Healing approaches like naturopathy treatments are not covered under the plan
  • Vaccination or inoculation or aesthetic procedures etc., other than necessary ones
  • Any illness contracted by an insured individual during the first 30 days of the policy

Star Comprehensive Plan Details

Features/PlanStar Comprehensive (5, 7 Lakh)Star Comprehensive (10, 15, 20,25 Lakh)
Restoration Benefit
No Claim Bonus
Up to 100% of SI
Up to 100% of SI
Room Rent
Single standard A/C
Single standard A/C
ICU Charges
Pre and Post Hospitalization
30 & 60 days
30 & 60 days
Free Health Checkup
Available after 3 claim free years
Available after 3 claim free years
OPD Benefit
Up to Rs. 1500, per consultation limit Rs. 300 (based on SI)
Up to Rs. 3300, per consultation limit Rs. 300 (based on SI)
Ambulance Cover
Up to Rs. 3000
10 Lakh - Up to Rs. 3500, 15 Lakh - Rs. 4000, 20 Lakh - Rs. 4500, 25 Lakh - Rs. 5000
Emergency Medical Evacuation
5 Lakh - Not available, 7.5 Lakh - Up to 10% of sum insured
Up to 10% of sum insured
Specific Illness Waiting Period
24 months for delivery
24 months for delivery
Additional Features
Personal accident and permanent disability benefit
Personal accident and permanent disability benefit
Maternity Cover
Normal delivery - Up to Rs. 20000 (depends on SI); Cesarean - Up to Rs. 40000 (depends on SI)
Normal delivery - Rs. 25000, Cesarean - Rs. 40000
Special Feature
Bariatric surgery covered, vaccination for newborn
Bariatric surgery covered up to Rs. 2.5 Lakh, vaccination for newborn is also covered
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2658 Star Cashless Network Hospitals in India

Star Comprehensive User Reviews

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What users are saying
  • All
  • I wanted to purchase a policy that could secure me from critical diseases, so I checked some of the policies o...

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    By Mahinder Lal
    On: Aug 29, 2023
  • Star Health Insurance- Star Comprehensive is an affordable one that cover me many hospitalization expenses. I ...

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    By Maliha Khan
    On: Aug 10, 2023
  • I am amazed to have had such a great experience with InsuranceDekho. Thanks to the customer support team of th...

    Read More
    By Subhash Babu
    On: Jul 14, 2023
  • InsuranceDekho has made digital solutions to any policy-related need simple. Issuing Star Health Insurance’s S...

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    By Brata Chatterjee
    On: Feb 09, 2021
  • I was navigating through InsuranceDekho to know how I could renew my Star Health Insurance’s Star Comprehensiv...

    Read More
    By Utpal Nag
    On: Jan 04, 2021

Star Comprehensive Expert Review

  • Expert Review

    A popular plan of Star Health, Star Comprehensive Insurance Policy is an umbrella health cover tailored for all of your hospitalisation requirements. The company through this plan does its best to provide a comprehensive cover and caters to a large number of individuals. The plan offers some exhaustive benefits for your family which help you to get rid of your health worries.     

    Suitable for individuals of all age group, the plan can cover anyone who is at least 3 months of age. However, the maximum entry age for the plan is 65 years. Even the sum insured options start at Rs. 5 Lakh and goes up to Rs. 25 Lakh. The biggest advantage of this plan is that you can cover your entire family on an individual and family floater basis. But the high possibility of the entire sum insured getting used in case of hospitalisation of one family member cannot be ignored.  

  • Major Attractions

    The plan is fully designed to cover all your health care needs. You get in-built cover for 30 days pre-hospitalisation, 60 days post-hospitalisation, pre-existing diseases, and room, boarding and nursing charges under this plan. Other attractive coverage benefits under this plan are listed below:

    • Option for the second medical opinion
    • Bariatric surgery per policy period
    • No room rent capping for single standard AC room
    • Ambulance charges by road up to a specified limit
    • 405-day care treatments as specified in the policy document
    • Restore benefit equal to 100% of the sum insured once for every policy period
    • A bonus of 50% of the basic sum insured (up to a maximum of 100%) for every year a claim is not made
    • Air ambulance available per policy period on sum insured options ranging from Rs. 7.5 Lakh to Rs. 25 Lakh
    • Health check-up once for every block of 3 years (claim-free) of continuous renewal
    • Hospital cash up to 7 days per occurrence for up to 120 days per policy period  
    • Air ambulance available per policy period on sum insured options ranging from Rs. 7.5 Lakh to Rs. 25 Lakh 
  • What’s More?

    The advantages of purchasing this plan are not over yet. Other added benefits come your way once you decide to buy this plan. These are-

    • Lifetime renewability
    • Cashless hospitalisation at the network hospitals
    • Tax benefit under Section 80D of the Income Tax Act 1961
    • Health-related information provided through a free health magazine
  • Conclusion

    Considering the major benefits of this plan, Star Health Comprehensive Insurance Policy is a policy good to go for. It is an economic plan that covers almost all your health care needs of you and your family.

    Now that you are fully aware of the major highlights of the plan, it becomes necessary to know the right platform to buy it. The plan can be purchased online or offline but the most preferred of all is online. If you buy this plan from the health insurance broker InsuranceDekho, you not only enjoy transparency but also get the best suggestions from the customer care team. This might help you decide on various factors like-which add-on benefits to buy, which type of plan to buy, and so on. 

Star Star Comprehensive Brochure

  • 312.02 KB
  • PDF Document
  • Mar 25, 2019

Claim Process at Star Health Insurance

  • Network Hospital
  • Non-Network Hospital
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 48 hours prior to admission.
  • 3

    Claim Processing

    Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
  • 4

    Claim Settlement

    Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 48 hours prior to admission.
  • 3

    Claim Processing

    Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
  • 4

    Claim Settlement

    Once your request for reimbursement of expenses is approved, the claim will be settled.

FAQs on Star Comprehensive Health Insurance Plan

  • Is the portability feature available under Star Comprehensive Plan?

    Yes, the policy is portable. If the policyholder seeks his or her policy to port to another insurer at the time of renewal, then an application in the appropriate form should be present before the company at least before 45 days from the date of renewal.

  • Is there any limit of the sum insured to get air ambulance’s expense covered?

    Yes, air ambulance cost is covered only after Rs. 7.5 Lakh of sum insured.

  • Will investing in this policy bring any tax benefit for me?

    Yes. If you make the payment of premium by any mode other than cash for this health insurance policy, you get eligible for relief under Section 80D of the Income Tax Act 1961.

  • How much co-payment is available on this policy?

    This policy holds a co-payment of 10% of each and every claim made by insured individuals who are above 60 years at the entry level of the plan and renewals thereafter.

  • What should be the age of people who can have this policy?

    People between 18 years and 65 years of age at the time of entry can take this insurance plan.

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