Star Health Comprehensive Health Insurance Policy: Review, Features and Benefits

Star Comprehensive Health Insurance Policy provides the necessary financial support that a person needs during medical emergencies. The policy comes with zero sub-limit or capping and can cover all family members under a single sum assured with lifetime renewal.

Available on both individual and family floater coverage basis, Star Comprehensive Medical Scheme pays for maternity (normal and caesarean delivery), bariatric surgery and certain daycare procedures.

Eligibility Criteria Star Comprehensive Insurance Policy

The entire family can be insured under the Star Comprehensive Health Plan as long as they fall within the age group of 3 months and 65 years. However, dependent children aged 3 months to 25 years can get medical cover only along with their insured parents.

Features & Benefits of Star Comprehensive Health Insurance Policy

The following are the key features and benefits of Star Comprehensive Health Insurance Policy:

Entry Age: Under the policy, the entry age of the person can be between 3 months to 65 years. Dependent children will be covered till the age of 25 years.
No Exit Age: There is no limit on the exit age for the insured under this policy.
Cashless Treatment: Star Health Insurance presently has a network of 11,000+ hospitals. In times of crisis, you can easily avail cashless treatment from one of the network hospitals nearby. Reduces out-of-pocket expenses by providing cashless treatment across more than 11,000 network hospitals
Easy claim process: Star Health Insurance offers convenient in-house claim settlement options.
High Sum Assured options: It comes with high sum assured options ranging from Rs 5 lakh to Rs 1 crore.
Installment premium payment facility: Premium can be paid in monthly, quarterly and even half yearly installments. This can also be paid in lump sum for the entire policy term.
Preexisting diseases:
Initial waiting period for all illnesses (except accident) is 30 days.
For specific diseases 2 years
For pre-existing diseases 3 years
Co-payment: No co-payment required till age 60 and 10% is applicable on claims from age 61 onwards
Tax benefits: Policyholders below 60 years of age can avail tax deductions up to Rs. 25,000 and the deduction could go up to Rs. ₹50,000 for senior citizens (above 60 years of age).

Inclusions of Star Comprehensive Health Insurance Plan

The Star Comprehensive Health Insurance Plan comes with the following coverage:

Pre-Hospitalization Expenses for a maximum of 60 days prior to hospitalization
Post hospitalization expenses for a maximum of 90 days after discharge from hospital
Hospitalization expenses including room charges, boarding charges, nursing costs, anesthetist’s fees, surgeon’s fees, specialist’s fees, cost of medicines, pacemakers and medicines can be claimed.
Under this policy, the expenses for hospitalization in AYUSH including Homeopathy, Ayurveda, Unani and Siddha are payable.
Emergency road ambulance transport charges are also covered.
Both normal and cesarean delivery costs can be claimed.
New born baby and vaccination expenses are also covered.
Organ donor charges are also included in the Star Comprehensive Health Plan.
In case of emergency, air ambulance fees are also covered.
Being a comprehensive health policy, it also covers home hospitalization
Health check up facility also available.
The insured person can file a claim for accidental death and permanent total disablement.
Dental/ophthalmic OPD treatment of Rs 5000 to Rs 15,000 is covered once every 3 years.
Bariatric surgery expenses can also be claimed after completion of 3 years waiting period.
Second medical opinion taken from Star Health Insurance Network of doctors can be reimbursed
In case of hospitalization, hospital cash benefit is provided for 7 days

Star Comprehensive Insurance Policy Details

About the policy: Covers hospitalization expenses as a result of illness and/or accidental injuries
Type of Cover:

Individual Sum Assured / Floater Sum Assured (Family size – 2 adults + 3 dependent children)

Entry Age:

For Adults: 18 Years – 65 Years
For Dependent Children : 91 days to 25 years

Midterm Inclusive:

Mid-term inclusion is available to cover newly married spouse and newborn on payment of additional premium
(Information of marriage/newborn should be given within 60 days from the date of marriage/newborn)

Co-payment:

10% co-payment is applicable if the insured is above 60 years of age at the time of entry

Renewal:

lifelong

Policy Period:

one year and two years

Pre Policy Medical Checkup:

not necessary

Sum Assured Option (in Rs lakhs):

5, 7.5, 10, 15, 20, 25, 50, 75, 100

Hospitalization – Room Rent:

Private Single AC Room (Original)

What is the waiting period in comprehensive?

Comprehensive imposes four types of waiting periods –

30-Day Waiting Period: Hospitalization will not be covered for the first 30 days of the policy unless it is an accident.
Specific Illness Waiting Period: There is a waiting period of 2 years for a list of specific illnesses such as cataract, which is mandatory before you can initiate a claim.
Pre-existing disease waiting period: There may be a waiting period of 3 years for any pre-existing disease you may have when purchasing the policy. You can also reduce the waiting period and bring it down to 1 year by making additional payment on your premium. (alternative cover)
Maternity and Newborn Waiting Period: There is a waiting period of 2 years before making claims related to pregnancy and delivery.

How to cancel star comprehensive health insurance policy?

The policy can be canceled by giving 15 days written notice to the Star Health Insurance Company and the company will initiate refund for the unexpired policy period. In case the premium was being paid on monthly installment basis, it is not refundable.

Star Comprehensive Health Insurance procedure for cashless claims

Take a look at the cashless claim procedure for Star Comprehensive Health Insurance:

Cashless hospitalization can be availed at any network hospital of the company across India. The insured person will have to present the Star Health ID card.
On receipt of claim intimation from the policyholder, his attendant or network hospital, the insurance company will start confirming the policy coverage.
Once the insurer receives the authorization request from the hospital and its expenses, your claim is accepted as per the terms and conditions of the Star Comprehensive Health Insurance Policy.

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