Star Comprehensive Insurance Policy

About Star Comprehensive Insurance Policy

When medical expenses are on the soar, Star Comprehensive Health Insurance policy can lessen its adverse effects by providing policyholders with financial assistance at the time of a medical emergency. It’s a complete family health insurance product with zero sub-limits or capping. The policy offers coverage to all family members under one sum insured. The entire family can be insured under this plan from the age of 3 months to 65 years. The children who are dependent on their parents can be covered under this plan until 25 years of age. In addition to these, lifelong renewals are also guaranteed under this plan

The plan offers an extensive range of benefits for eliminating health care related worries. Available on both an individual and family basis, the Star Comprehensive covers medical expenses incurred on barbaric surgical procedures and its complications, second medical opinion, maternity (normal and cesarean delivery), newborn baby cover, and several day care procedures.

Star Comprehensive Plan Details

Features/Plan	Star Comprehensive (5, 7 Lakh)	Star Comprehensive (10, 15, 20,25 Lakh)
Restoration Benefit	100%	100%
No Claim Bonus	Up to 100% of SI	Up to 100% of SI
Room Rent	Single standard A/C	Single standard A/C
ICU Charges	Actual	Actual
Pre and Post Hospitalization	30 & 60 days	30 & 60 days
Free Health Checkup	Available after 3 claim free years	Available after 3 claim free years
OPD Benefit	Up to Rs. 1500, per consultation limit Rs. 300 (based on SI)	Up to Rs. 3300, per consultation limit Rs. 300 (based on SI)
Ambulance Cover	Up to Rs. 3000	10 Lakh - Up to Rs. 3500, 15 Lakh - Rs. 4000, 20 Lakh - Rs. 4500, 25 Lakh - Rs. 5000
Emergency Medical Evacuation	5 Lakh - Not available, 7.5 Lakh - Up to 10% of sum insured	Up to 10% of sum insured
Specific Illness Waiting Period	24 months for delivery	24 months for delivery
Additional Features	Personal accident and permanent disability benefit	Personal accident and permanent disability benefit
Maternity Cover	Normal delivery - Up to Rs. 20000 (depends on SI); Cesarean - Up to Rs. 40000 (depends on SI)	Normal delivery - Rs. 25000, Cesarean - Rs. 40000
Special Feature	Bariatric surgery covered, vaccination for newborn	Bariatric surgery covered up to Rs. 2.5 Lakh, vaccination for newborn is also covered

Key Inclusions and Exclusions of the Plan

What's Included

• Coverage of pre-acceptance medical screening for 50+ years individuals
• Air ambulance cover up to 10% of the sum insured for plans with SI more than Rs. 7.5 Lakh
• Pre and post hospitalisation for 30 and 60 days respectively
• Domiciliary hospitalisation coverage for medical treatment for a period exceeding three days
• Hospitalisation cover like boarding and nursing costs, doctor fees, OT etc.

What's Not Included

• Injury or illness caused due to war, invasion, warlike operations, nuclear weapon etc.
• Dental treatment or surgery unless necessitated due to accidental injuries
• Healing approaches like naturopathy treatments are not covered under the plan
• Vaccination or inoculation or aesthetic procedures etc., other than necessary ones
• Any illness contracted by an insured individual during the first 30 days of the policy

What’s More ?

The advantages of purchasing this plan are not over yet. Other added benefits come your way once you decide to buy this plan. These ares-

·  Lifetime renewability

·  Cashless hospitalization at the network hospitals

·  Tax benefit under Section 80D of the Income Tax Act 1961   

Conclusion

Considering the major benefits of this plan, Star Health Comprehensive Insurance Policy is a policy good to go for. It is an economic plan that covers almost all your health care needs of you and your family.