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 a constant rise, the 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 health insurance product with zero sub-limits or capping. The policy offers coverage to all family members under one plan, it is also available as an individual plan. Read on to learn more about the Star Comprehensive Health Insurance plan.
Star Comprehensive Health Insurance Plan Details at a Glance
Here the main features of Star Comprehensive Insurance Policy are listed in the table below:
Coverage |
Family and individual |
Riders |
Reduction in PED Waiting period, Critical illness rider, etc |
Variants |
N/A |
Key features |
Flexible sum insured, OPD cover, Lifelong renewals |
Inclusion |
OPD, Delivery expenses, In-patient treatment, Day care procedure |
Exclusion |
Weight control treatment, Expenses related to change in gender and infertility treatment, etc |
Key Features of Star Comprehensive Health Insurance Plan
Some of the key features of the Star Comprehensive Health Insurance plan are listed below:
- Sum Insured: The Star Health Comprehensive plan offers policyholders to choose a flexible sum insured. The sum insured option ranges between Rs. 5,00,000 - Rs. 1,00,00,000. Depending on your budget, choose the right sum insured for yourself and your loved ones.
- Coverage: The plan offers an extensive range of benefits for eliminating health care-related worries. Available on both an individual plans and family basis, the Star Comprehensive covers medical expenses incurred on bariatric surgical procedures and their complications, second medical opinion, maternity (normal and caesarean delivery), newborn baby cover, and several daycare procedures.
- Eligibility: The entire family can be insured under this plan from the age of 3 months to 65 years. 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
- OPD Cover: The Star Health Comprehensive Insurance Plan also provides coverage for Outpatient expenses as mentioned on the policy document.
- No Pre-medical Test: To buy the Star health Comprehensive Plan, policyholders need not undergo any pre-medical test. Without any pre-medical tests, policyholders can buy the Star Comprehensive Health Insurance Plan in hassle-free manner.
Eligibility Criteria of Star Comprehensive Health Insurance Plan
Here is the eligibility criteria to buy the Star Comprehensive Health Insurance Plan:
Parametres |
Eligibility Criteria |
Minimum entry age for adults |
3 months |
Maximum entry age for adults |
65 years |
Minimum entry age for child |
91 days |
Maximum entry age for child |
25 years |
Policy term |
1, 2, or 3 year |
Renewability |
Lifelong renewal |
Benefits of Buying Star Comprehensive Health Insurance Plan
The Star Comprehensive Health Insurance Plan offers a bunch of advantages such as those listed below:
- Delivery Benefit: The Star Comprehensive Health Insurance plan provides coverage for both normal and cesarean deliveries. This includes coverage for newborn treatment, vaccination of kids, and more related expenses.
- Bariatric Surgery: All the expenses related to bariatric surgery are covered as specified on the policy documents.
- Restoration Benefits: Once the policyholder raises a health insurance claim, there are chances that the sum insured can get exhausted. With the Star Comprehensive Health Insurance Plan, your sum insured will automatically get restored even if it has been exhausted. The restoration benefit is 100% in a given policy year.
- Personal Accident Cover: The Star Comprehensive Health Insurance Plan provides coverage if the policyholder meets an accident or dies during the accident. With this plan, policyholders can get worldwide personal accident coverage.
- Hospital Cash: The Star Comprehensive Health Insurance Plan also provides cash benefits after completion of each day in a hospital. The hospital cash is a maximum of up to 7 days per hospitalisation and 120 days per policy period.
- Star Wellness Program: When you buy the Comprehensive Health Insurance plan with Star Health, you are also entitled to get Star Wellness benefits. With this program, policyholders can earn discounts on health insurance premiums for staying fit. The details of the wellness activities are listed on the Star Health Insurance website.
Riders Available with Star Comprehensive Health Insurance Plan
Listed below are some of the riders you can include in your Star health Insurance Comprehensive Plan:
- Personal Accident Cover: This add-on provides protection to the policyholder in case they have an unfortunate accident.
- Reduction in PED Waiting Period: With this add-on, you can get the waiting period for pre-existing conditions reduced from 4 years to 2 years.
- Critical Illness Rider: This rider provides financial compensation in case the policyholder is diagnosed with any kind of critical illness.
Inclusions and Exclusions of Star Comprehensive Health Insurance Plan
Check Star Health Insurance Comprehensive Plan inclusions and exclusions in the given list below:
Inclusions:
- In-patient Hospitalisation: This includes coverage for hospitalisation expenses that requires hospitalisation for more than 24 hours.
- Pre-hospitalisation: Pre-hospitalisation expenses are covered for up to 60 days.
- Post-hospitalisation: Post-hospitalisation expenses are covered for up to 90 days.
- Room rent: There is no capping on room rent and the policyholder can and all the expenses related to nursing are covered.
- Delivery charges: Both normal and cesarean delivery charges are covered up to a maximum of Rs. 50,000.
- Air ambulance cover: The expenses related to air ambulance is covered up to Rs. 5,00,000.
- OPD Cover: Outpatient dental and ophthalmic coverage is up to a maximum of Rs. 10,000.
- Hospital Cash: Under this, policyholders can get hospital cash of Rs. 1500/per day.
- Bariartic surgery: The expenses related to bariartic surgery are covered up to a maximum of Rs. 5 lakhs.
- AYUSH Treatment: The coverage offered under this is up to Rs. 20,000.
Exclusions:
- Any expenses related to rest, cure, and rehabilation
- Obesity or weight control treatment
- Change of gender treatment
- Any injury due to involvement in adventurous activities or breach of law
- Any expenses related to the consumption of alcohol or drugs
- Expenses related to dietary supplements
- Any kind of unproven treatment
- Sterility or infertility treatment
Documents Required to Buy Star Comprehensive Health Insurance Plan
Some of the documents essential for buying the Star Comprehensive Health Insurance Plan are as follows:
- A duly-filled application form
- PAN card
- Aadhaar card
- Income proof
- Details of pre-existing medical conditions
- Previous medical reports
- Passport size photograph
How to Buy Star Comprehensive Health Insurance Plan?
Listed below are the steps in which you can buy the Star Comprehensive Health Insurance Plan:
- Visit the “Health Insurance” section on the official InsuranceDekho website.
- Choose "Star Health Insurance" from the list of health insurance companies.
- Then, select "Comprehensive Health Insurance Plan" from the available health insurance plans.
- Read the policy documents carefully
- Upload all the necessary documents to complete the KYC process
- After finishing the KYC process, pay the premium online
- Finally, you will receive the policy document in your registered email
Claim Process of Star Comprehensive Health Insurance Plan
There are two types of claims you can raise along with the Star Comprehensive Health Insurance Plan, cashless claim and reimbursement claim. Under cashless claims, policyholders can get their claims settled in a cashless manner. On the other hand, in a reimbursement claim, all the medical expenses will be reimbursed once the claim is approved.
Cashless Claim Process
- First, make a visit to the nearest network hospital
- Fill out the proposal form and submit all the relevant documents such as the policy form
- Next, Star Health Insurance will verify all the documents and claim request
- Once verified, your claim request will be settled
Reimbursement Claim Process
- For reimbursement claim settlement, you can get treatment at any hospital
- Next, raise a claim on Star Health insurance on the official website
- Then, submit all the required documents along with the claim form
- You also need to submit the details of the medical expenses. Once all of it has been approved, the expenses will be reimbursed by the insurance company
Health Insurance Calculator
Whom do you want the insurance for ?
Select the age of all members
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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) |
---|---|---|
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 |
9625 Star Cashless Network Hospitals in India
Choose Star Health Insurance Critical Illness Plan
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Star Comprehensive Expert Review
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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.
Claim Process at Star Health Insurance
FAQs on Star Comprehensive Health Insurance Plan
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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.