Star Comprehensive Plan
Star Health Insurance
7.4/10
OneAssure Rating
7.4/10
OneAssure Rating
Highlighted Features
Comprehensive Day Care
Covers all day care procedures requiring less than 24-hour hospitalization, including chemotherapy, dialysis, and cataract surgery, ensuring financial support for advanced medical treatments.
Room Rent (Normal & ICU)
Covers Private Single A/C room for normal hospitalization. ICU charges covered up to the actual sum insured, ensuring complete financial protection.
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About the Plan
The Star Comprehensive Insurance Policy offers extensive coverage with no sub-limits, ensuring financial protection. It covers in-patient hospitalization, pre-hospitalization (30 days), post-hospitalization (60 days), 400+ daycare procedures, modern treatments, and maternity benefits, including newborn cover. Additional features include organ donor expenses, ambulance services, health check-ups, and a no-claim bonus. Pre-existing diseases are covered after 36 months, reducible to 12 months with a buy-back option. With lifelong renewals and no exit age, this plan provides long-term health security for individuals and families.
About the Plan
Product Stats
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Features of the Product
Room Rent (Normal & ICU)
Normal: Private Single A/C
ICU: Actual Sum insured
Advanced Treatments
Uterine artery Embolization and HIFU
Balloon Sinuplasty
Deep Brain stimulation
Oral chemotherapy
Stereotactic radio surgeries Bronchial Thermoplasty
Vaporization of the prostrate (Green laser treatment or holmium laser treatment)
IONM - (Intra Operative Neuro Monitoring)
Stem cell therapy: Hematopoietic stem cells for bone marrow transplant for hematological conditions to be covered.
Co-payment
Co-payment of 10% of each and every claim amount for fresh as well as renewal policies for insured persons whose age at the time of entry is 61 years and above.
Waiting Periods
Pre-Existing Diseases -Expenses related to the treatment of a pre-existing Disease (PED) and its direct complications shall be excluded until the expiry of 36 months of continuous coverage after the date of inception of the first policy with the insurer
Specified Diseases- Expenses related to the treatment of Specified Diseases, Conditions, surgeries/treatments shall be excluded until the expiry of 24 months of continuous coverage after the date of inception of the first policy with us.
Cashless Healthcare Providers
14,000 + Network Hospitals.
Day Care Treatments
All Day Care Procedures are covered.
AYUSH Treatment
Expenses incurred for the treatment under Ayurveda, Unani, Siddha and Homeopathy systems of medicines in AYUSH hospitals are covered up to 15,000 sum insured.
Exclusions
Hospital admissions primarily for diagnostic purposes.
Treatments related to pregnancy, infertility, and childbirth.
Procedures for change of gender.
Treatment for obesity and weight control.
Participation in hazardous or adventure sports.
Unproven treatments or therapies.
Treatment for venereal diseases and sexually transmitted infections.
Injuries or illnesses resulting from war or nuclear hazards.
Exclusions
Global Cover - Provides coverage for emergency medical treatments outside India, subject to policy terms.
Personal Accident Cover - Offers financial protection in case of accidental death or permanent total disability.
No Claim Bonus Protector - Ensures that the accumulated No Claim Bonus remains intact even after a claim.
Hospital Cash Benefit - Provides a fixed daily cash allowance for each day of hospitalization.
Room Rent Waiver - Allows for higher room rent eligibility by removing sub-limits on hospital room expenses.
Second Medical Opinion - Covers consultation costs for seeking expert medical opinions for critical illnesses.
Add-ons
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Why OneAssure?
We help you maximize your coverage over time for stronger protection.
About the Company
Star Health and Allied Insurance was founded in 2006 by Dr. A. Sakthivel, and its headquarters is located in Chennai, Tamil Nadu.
Star Health and Allied Insurance is a leading health insurance company in India, offering a range of plans to suit diverse customer needs. They specialize in medical, critical illness, and accidental insurance, providing affordable coverage to individuals and families. The company aims to ensure access to quality healthcare through an extensive network of hospitals. With over a decade of experience, Star Health continues to innovate in the insurance space, focusing on customer-centric services and simplifying claim processes.
About the Company
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