How does the waiting period affect my coverage?

The plan has a 30-day waiting period, with pre-existing conditions covered after 36 months and certain illnesses after 24 months, ensuring long-term coverage while preventing misuse.

What if I don’t use my health insurance benefits for the entire year?

A No Claim Bonus increases your sum insured by a fixed percentage each year for claim-free periods, offering additional coverage without extra cost, enhancing financial security for future medical expenses.

Does the Star Comprehensive Plan cover treatment abroad?

The plan provides coverage within India, with optional add-ons offering limited international emergency coverage. Consider additional global health coverage or check with the insurer for international options.

Does the Star Comprehensive plan cover alternative therapies?

Yes, the Star Comprehensive Insurance Policy covers alternative therapies. It includes AYUSH treatments such as Ayurveda, Unani, Siddha, and Homeopathy.

OneAssure

Health Insurance

Star

Comprehensive

star comprehensive

Experience India's most trusted health insurance with Star Health Insurance. Get instant cashless treatment at 14000 network hospitals with sum insured up to ₹50 lakhs.

82.31

Claim Settlement Ratio

14000

Network Hospitals

0

Customer Rating

Policy Brochure

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82.31

Claim Settlement Ratio

14000

Network Hospitals

0

Customer Rating

Policy Brochure

Our Verdict

Expert Review: Star Comprehensive

Final 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

About Star Comprehensive

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...

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...

Comprehensive Ratings

Ratings: Star Comprehensive

Insurer Rating

5.67

out of 10

Insurance Rating

5.5

out of 10

No Room Rent Limit

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Consumables Covered

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No Co-payment

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Loyalty Bonus >= 500%

Yes

No Disease Sublimits

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Unlimited Restoration

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Additional Benefits (Informational Only — Not part of score)

PED Waiting <= 2 Years

No

Maternity Available

Yes

Waiting Period Waiver

Yes

Testimonials

Real People. Real Relief

These are the moments that show what we really do. We don't sell you a policy. We stand by you when it matters most.

I want to sincerely thank Sunad for being there for me throughout the entire claim process. He helped me through so many ups and downs, always patient and ready to support when things got tough. I honestly don’t know how I would have managed without his guidance and encouragement. Sunad made a difficult situation feel a lot less stressful, and I’m truly grateful for his kindness and steadfast help.

Prashant Pandey

Mumbai, Maharashtra

Had a great experience with them during a difficult time. After my mother’s accident, we had to pay the hospital bill upfront, as cashless wasn’t available. They guided us through the reimbursement process, helped file the claim, and consistently followed up with the insurer until it was settled. Their support with the post-hospitalization claim was equally prompt and thorough.

Jatin Gala

Mumbai, Maharashtra

My heartfelt thanks to the OneAssure team for making my insurance claim process effortless. Right from the very first interaction, they demonstrated professionalism, clear communication, and an impressive command of the procedures involved. Their swift updates, timely guidance, and persistent follow-through removed all the stress from what could have been a complicated experience.

Anju Renjith

Bengaluru, Karnataka

I am truly grateful for the support and guidance I received in settling my insurance claim. The entire process was handled with great professionalism, clarity, and efficiency. Their prompt response, deep knowledge of the procedures, and consistent follow-ups ensured a smooth and hassle-free experience.Thank you once again for your invaluable help, highly recommended!

Yogesh Meena

Jaipur, Rajasthan

I recently had the pleasure of purchasing health insurance for my parents through this company, and my experience has been exceptional...The team was incredibly patient and took the time to explain every detail to me. No matter how many times I asked questions, they were always calm and thorough in their explanations. Their professionalism and dedication made a significant difference in helping me make an informed decision.

Akash Kumar

West Bengal

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Inclusions and Exclusions

Inclusions and Exclusions of Star Comprehensive

Daycare Treatment

covered by the policy.

AYUSH Treatment

AYUSH treatments are covered up to the sum insured.

Room Rent

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

Cashless Healthcare Providers

Access to over 14,000+ cashless healthcare providers for seamless treatment.

Waiting Period

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.

Daycare Treatment

covered by the policy.

AYUSH Treatment

AYUSH treatments are covered up to the sum insured.

Room Rent

Normal: single private A/C room
ICU: no limit

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.

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About the company

Star Health and Allied Insurance Co. Ltd is considered one of the major standalone insurers in India. Today, a bulk of insurance policyholders are served by Star Health in India. Plans are offered pertaining to individual health, family floater, senior citizen, critical illness, top-up and super top-up, personal accident, disease specific, maternity, and corporate/group insurance. A cashless hospital network of over 14,000 hospitals nationwide is the big number that helps to keep Star Health's reputation; that way, customers can gain access to quality treatment and services without having to give any upfront payments. As per the plan, treatment can include...

Star Health and Allied Insurance Co. Ltd is considered one of the major standalone insurers in India. Today, a bulk of insurance policyholders are served by Star Health in India. Plans are offered pertaining to individual health, family floater, senior citizen, critical illness, top-up and super top-up, personal accident, disease specific, maternity, and corporate/group insurance. A cashless hospital network of over 14,000 hospitals nationwide is the big number that helps to keep Star Health's reputation;...

FAQs

Frequently Asked Questions

Got questions about health insurance? You’re not alone. Here are some of the most commonly asked questions to help you understand plans, coverage, claims, and benefits better.