Star Comprehensive Health Insurance

Cashless Approval TAT | 90% Cashless claim settlement within 2 hrs |
Claim Settlement Ratio | 89.90% |
Network Hospitals | 14,000+ |
Pre-existing Disease Waiting Period | 1 year |
Special Benefits | No Extra Premium for Disease Coverage |
Starting Premium for Rs. 5 lakhs SI | Rs. 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/Plan | Star Comprehensive (5, 7 Lakh) | Star Comprehensive (10, 15, 20,25 Lakh) |
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Restoration Benefit | 100% | 100% |
No Claim Bonus | Up to 100% of SI | Up to 100% of SI |
Room Rent | Single standard A/C | Single standard A/C |
2658 Star Cashless Network Hospitals in India
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Star Comprehensive Expert Review
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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.
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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
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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
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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.

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FAQs on Star Comprehensive Health Insurance Plan
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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.
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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.
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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.
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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.
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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.