Star Comprehensive Insurance Policy
Star Comprehensive Insurance Policy from Star Health Insurance is a complete health insurance plan that takes care of all the healthcare needs of individuals and families. Star Health Comprehensive Plan provides the required financial protection to the policyholders during medical emergencies.
Star Health Comprehensive Policy provides coverage for accidental death and permanent total disability and also provides coverage for bariatric surgery and its consequences.
Highlights of Star Comprehensive Insurance Policy
Below mentioned are the specifications of the Star Comprehensive Insurance Policy from Star Health Insurance:
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Entry Age
3 Months to 65 Years
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Renewability
Lifelong
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Policy Type
Individual and Family Floater
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Sum Insured
INR 5L, INR 7.5L, INR 10L, INR 15L, INR 20L, INR 25L, INR 50L, INR 75L, INR 1cr.
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Policy Term
1, 2, 3 Years
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Waiting Period for Pre-Existing Disease
36 Month
Eligibility to buy Star Comprehensive Insurance Policy
Below mentioned is the eligibility of Star Comprehensive Insurance policy:
- Individual
- Family Floater
Entry Age: 5 months to 65 years
Entry Age: 3 months to 65 years
Policy Term: 1,2,3 Years
No. of Covered Member: 5 Members
Coverage Benefits Offered Under Star Comprehensive Insurance Policy
Star comprehensive insurance plan offers its policyholders a variety of coverage benefits that vary depending on the sum insured amount. Policyholders can customize the Star comprehensive plan as per their needs and budget. Take a look at the coverage benefits mentioned below and choose as per your needs and budget:
- 5 Lac
- 7.5 Lac
- 10 Lac
- 15 Lac
- 20 Lac
- 25 Lac
- 50 Lac
- 75 Lac
- 1 Cr
No Claim Bonus
50% of SI Available
100% of SI Available
100% of SI Available
100% of SI Available
100% of SI Available
100% of SI Available
100% of SI Available
100% of SI Available
100% of SI Available
Hospital Daily Cash
INR 500 per Day
INR 750 per Day
INR 750 per Day
INR 1K per Day
INR 1K per Day
INR 1.5K per Day
INR 2.5K per Day
INR 2.5K per Day
INR 2.5K per Day
New Born Baby Cover
Covered up to 1L
Covered up to 1L
Covered up to 1L
Covered up to 1L
Covered up to 1L
Covered up to 1L
Covered up to 2L
Covered up to 2L
Covered up to 2L
AYUSH Treatment
Covered up to 15K
Covered up to 15K
Covered up to 15K
Covered up to 15K
Covered up to 20K
Covered up to 20K
Covered up to 30K
Covered up to 30K
Covered up to 30K
Room Rent
Single Private AC Room
ICU Charges
Covered up to SI
Pre-Hospitalization
Covered up to 60 Days
Post-Hospitalization
Covered up to 90 Days
Domiciliary Hospitalization
Covered if hospitalization exceeds 3 days
Daycare Treatments
All Daycare Treatments Covered
OPD Charges
Covered
COVID-19 Treatments
Covered
Automatic Restoration
100% of SI once a year
Organ Donor
Covered
Maternity Cover
Covered
Modern Treatment
Covered
Ambulance Cover
Covered up to Sum Insured
Air Ambulance Cover
Covered up to 5L
Co-Payment
10% for every claim of people above 60yrs
Sub-Limit
Applied on Modern Treatments
Vaccination Cover
Covered
Click Here to get detailed information of above - mentioned coverage benefit
Star Health Comprehensive Insurance Plan Exclusion
Below mentioned is the list of diseases and conditions that are not covered under star health comprehensive plan:
- Mental illness
- Intentional self-injury
- AIDS
- Cosmetic treatment
- Dental surgery
- Infertility and in vitro fertilization
- Hospitalization due to war, strike, riot, and nuclear weapons
- Congenital disease
- Miscarriage and abortion
Network Hospitals
Star Health Comprehensive Plan Benefits
Star Comprehensive Insurance Policy offers various types of advantages to its customers. Below mentioned are some of the features offered by Star Health Comprehensive Plan:
- Midterm Inclusion: Star Health Insurance Comprehensive Plan comes with a feature called Midterm Inclusion in which you can add their newlywed spouse or newborn baby to their star comprehensive insurance policy by paying an additional premium.
- Buy Back Pre-existing Disease: Policyholders can shorten the 36-month waiting period for pre-existing diseases to 12 months by paying an extra premium.
- Second Medical Opinion: The option of a second medical opinion allows the policyholder to take medical advice from a different doctor from the company's network of doctors.
- Star Wellness Program: The healthy lifestyle of the insured is rewarded by the plan through various wellness activities. One can also use their earned health points to get a discount on the renewal premium. The discount on premiums offered by the Wellness Program is displayed in the following table:
Wellness Points Discount in Premiums 200 to 350 2% 351 to 600 5% 601 to 750 7% 751 to 1000 10%
Explore More About Star Comprehensive Insurance Policy
Check the below section to learn more about the star health insurance buying process, star health insurance claim settlement process, star health insurance renewal process.
