star comprehensive
Star Health Insurance
Highlighted Features
Room Rent (Normal & ICU)
This policy includes room rent coverage, offering a single private room for normal hospitalization.
Advanced Treatments
The Star Comprehensive Health Insurance Policy covers advanced treatments, including robotic surgeries, stem cell therapy, oral chemotherapy, and immunotherapy.
Brochure
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Our Verdict
The Star Comprehensive Insurance Policy offers extensive, no-sub-limit coverage with maternity benefits, organ donor expenses, and global emergency treatment. Ideal for individuals and families seeking long-term, all-inclusive health protection.
About the Plan
Star Health's Comprehensive Insurance Policy is designed to offer extensive health coverage for individuals and families. It provides a wide range of sum insured options, ensuring flexibility to meet diverse healthcare needs. The policy covers in-patient hospitalization expenses, including room rent, ICU charges, and medical practitioner fees, without any sub-limits. Additionally, it offers coverage for pre-hospitalization expenses incurred up to 60 days before admission and post-hospitalization expenses for up to 90 days after discharge. Unique benefits include maternity and newborn cover, bariatric surgery, and coverage for modern treatments. Policyholders can also avail of health check-ups and second medical opinions. The plan ensures lifelong renewability, allowing for continuous health protection. With no exit age, individuals can maintain their coverage throughout their lifetime. Furthermore, the policy offers tax benefits under Section 80D of the Income Tax Act. For more detailed information, you can refer to the official policy document.
About the Plan
Features of the Product
Room Rent (Normal & ICU)
Normal: single private A/C room
ICU: no limit
Advanced Treatments
Coverage includes robotic surgeries, stem cell therapy, organ transplants, modern cancer treatments, bariatric surgery, and advanced cardiac procedures as per policy terms.
Co-payment
This policy is subject to 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
Initial Waiting Period: A 30-day waiting period applies from the policy's inception, during which claims are not admissible, except for those arising from accidents.
Pre-existing Disease Waiting Period: For the Silver plan, pre-existing diseases are covered after 48 months of continuous coverage. For Gold and Platinum plans, this period is reduced to 24 months.
Specific Disease/Procedure Waiting Period: For individuals above 45 years of age, certain listed illnesses and procedures are covered after a 24-month waiting period from the policy's inception.
Cashless Healthcare Providers
Day Care Treatments
covered by the policy.
AYUSH Treatment
AYUSH treatments are covered up to the sum insured.
Exclusions
Pre-existing diseases are not covered until 36 months of continuous coverage have elapsed since the policy's inception.
Specific diseases/procedures have a waiting period of 24 months before coverage begins.
Diseases contracted within the first 30 days from the policy's commencement are excluded, except those resulting from accidents.
Dental treatments or surgeries are excluded unless necessitated due to accidental injuries and requiring hospitalization.
Cosmetic or aesthetic treatments and plastic surgeries are not covered unless required due to an accident or as part of an illness treatment.
Exclusions
Enhanced Room Rent - This benefit increases the room, boarding, and nursing expense limits of your base policy. For sum insured amounts between ₹10 lakh and ₹20 lakh, you can opt for any room except suites; for sums above ₹20 lakh, any room category is permissible.
Claim Guard (Coverage for Non-Medical Items) - Covers expenses for specified non-medical items, such as consumables, during an admissible claim under the base policy, reducing out-of-pocket expenses.
Enhanced Limit for Modern Treatments - Extends coverage for advanced medical procedures, including robotic surgeries and stem cell therapy, up to the sum insured of the base policy, ensuring access to cutting-edge treatments.
Enhanced Limit for AYUSH Treatment - Provides coverage for inpatient hospitalization expenses incurred under Ayurveda, Unani, Siddha, and Homeopathy systems, up to the sum insured of the base policy, promoting alternative treatment options.
Home Care Treatment - Covers expenses for specified treatments administered at home, up to 10% of the base policy's sum insured, subject to a maximum of ₹5 lakh per policy year, offering flexibility for home-based care.
Add-ons
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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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