Star Comprehensive Insurance Policy

What is the Plan all About?

Star Comprehensive Insurance Policy is a health insurance plan offering absolute health coverage for you & your family. This health plan has no sub-limits or caps, so no need to worry about medical expenses.

Key Features

No capping on room rent & treatment cost
Network of more than 7800 hospitals across India
24*7 toll free helpline
Quick in-house claim settlement
Lifetime Renewability under this plan
No pre medical check up screening upto age 50

Policy Benefits

In-patient hospitalization expenses such as room rent, nursing and boarding charges, Surgeon, Anesthetist, Medical Practitioner, Consultants, Specialist fees, Cost of Medicines and Drugs,etc. are covered for a minimum stay of 24 hours.
Pre & Post Hospitalization expenses are covered for a period of 30 days before and 60 days after hospitalization.
Outpatient consultation expenses are covered except for the dental and orthal.
Domiciliary hospitalization for a period exceeding 3 days is covered.
Medical expenses for delivery, including pre & post natal expenses are covered.
Automatic coverage for the newborn under this policy.

Value Added Benefits

No claim Bonus of 50% of the basic sum insured upto a maximum of 100% of sum insured under claim free year is given.
Air and road ambulance benefits available as per the applicable sublimits.
Daily Hospital Cash benefit is available under this plan.
Expenses incurred on the hospitalization for bariatric surgical procedure are covered
Health Check-up once after a block of every three claim-free years.
Tax relief under Section 80D of the Income Tax Act.
Health Information through free health magazine.
Facility for keeping personal health records in electronic format.

Sub Limits

Vaccination expenses for the New Born is capped upto Rs.1000/- payable.
Air Ambulance Benefit paid up to 10% of the Sum Insured during the policy period, applicable for sum insured of Rs.7.5 lakhs and above only.
Expenses incurred on hospitalization for bariatric surgical procedure are payable subject to a maximum of Rs.2,50,000/- during the policy period.
A co-payment of 10% of the admissible claim amount of the insured persons whose age at the time of entry is above 60 years.

Waiting Period Clause

Initial waiting period: An initial waiting period of 30 days from the commencement of the policy is to be followed for any hospitalization except for the accident claims.
Specific Waiting Period: Specific waiting period of 2 years is applicable for the list of specified treatments/surgeries under the policy contract.
Pre-existing waiting period: 48 months waiting period is applicable for covering pre-existing diseases.
Maternity Benefits: To avail maternity benefits waiting period of 36 months are applicable.

Who can Buy the Plan?

Factor	Minimum	Maximum
Age (as on last birthday)	Adult: 18 Years, Children: 3 Months	Adult: 65 Years, Children: 25 Years
Sum Assured	5 Lacs	25 Lacs
Cover Type	Individual/Family Floater	-
Policy Tenure	1 Year	1 Year
Grace Period	30 Days	-
Free Look Period	15 Days	-
Riders	Nil	-