star comprehensive
Star
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
Explore more features
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
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
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.
- 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.
Cashless Healthcare Providers
Access to over 14,000+ cashless healthcare providers for seamless treatment.
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
Related Variants
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We help you maximize your coverage over time for stronger protection.
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 hospitalization, along with pre-and post-hospitalization expenses, day-care procedures, AYUSH treatments, ambulance charges, and maternity benefits, etc. Policyholders also enjoy benefits such as no-claim bonuses, automatic sum insured restoration, and preventive health check-ups.
Focusing on their customers' convenience, the insurer provides online policy management, claim tracking, and immediate claim settlement. Star Health looks forward to becoming the provider of financial security against medical emergencies while promoting health and well-being among individuals, families, and corporate clients, making it one of the trusted names in India's health insurance band.
About the Company
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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.
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.
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