About Star Comprehensive Insurance Plan
Star Comprehensive Insurance plan provides the necessary financial assistance required during a medical emergency or a planned treatment. It comes with 100% automatic restoration of the sum insured once a year for the same and unrelated illnesses. It also offers preventive health check-ups for every claim-free year.
Star Comprehensive Insurance Plan: Key Highlights
| Categories | Specifications |
|---|---|
| Sum Insured | ₹5 lakh to ₹1 crore |
| Pre-policy Medical Check-up | Not required |
| Pre-existing Diseases Waiting Period | 3 years |
| Discount | Up to 10% wellness discount Up to 6.5% long-term discount 5% online discount |
| Co-payment | 10% on all claims for people above 60 years |
or select from popular citiessStar Comprehensive Features
Search Star Comprehensive Cashless Network Hospital list
Key Benefits of Star Comprehensive Insurance Plan
Star Comprehensive Insurance Plan Inclusions, Exclusions & Optional Cover
-
Pre-Hospitalization ExpensesIt covers relevant medical costs for a maximum of 60 days before getting admitted to a hospital.
-
Post-Hospitalization ExpensesIt pays for the expenses incurred after discharge from the hospital for a maximum of 90 days.
-
Hospitalization ExpensesIt covers the cost of getting hospitalized for at least 24 hours, including room rent, nursing costs, surgeon’s fees, specialist’s fees, medicine costs, etc.
-
AYUSH TreatmentIt covers in-patient hospitalization expenses for availing treatments via Homeopathy, Ayurveda, Unani and Siddha at an AYUSH hospital.
-
Day Care ProceduresIt pays for all day care treatments requiring less than 24 hours of hospitalization due to technological advancements.
-
Modern TreatmentsIt covers expenses incurred on 12 modern treatments done using advanced medical procedures.
-
Obesity TreatmentIt does not pay for obesity or weight management treatments unless advised by the doctor.
-
Congenital External AnomaliesIt excludes treatment for removing physical abnormalities present from birth.
-
Self-inflicted InjuriesIt does not pay for injuries due to intentional self-harm or attempted suicide.
-
Treatment for Addictive SubstancesIt does not cover expenses incurred on treatment of medical conditions due to alcoholism, drugs or other intoxicating substances.
-
Injuries Caused due to WarIt excludes treatment for illness or diseases resulting from war, warlike operations or invasion.
-
Plastic SurgeryIt does not pay for plastic or cosmetic surgeries unless required as a medically necessary treatment.
-
Buy Back Pre-existing DiseaseIt provides the policyholder with the option to reduce the waiting period for pre-existing diseases to 1 year from 3 years.
Star Comprehensive Insurance Plan Waiting Periods
| Category | Waiting Period |
|---|---|
| Pre-existing Diseases Waiting Period | 3 years |
| Specified Disease/Procedure Waiting Period | 2 years |
| Initial Waiting Period | 30 days |
| Delivery and Newborn Benefit Waiting Period | 2 years |
| Outpatient Dental and Ophthalmic Treatment Waiting Period | 3 years |
| Bariatric Surgery Waiting Period | 3 years |
In case of emergency we are just a call away. Take care of your family, we will do the rest. Our claim specialists will reach your location & complete the formalties from filing the claim to documentation to coordinating with insurer, TPA & hospital. Available in New Delhi and 114+ cities View cities list ›Policybazaar Claim Process
Explore Other Health Insurance Plans
Star Comprehensive Insurance Plan: FAQs
-
Q1. What is the Star Comprehensive Insurance policy?
Ans: The Star Comprehensive Insurance policy offers a wide range of coverage to pay for different hospitalization expenses, including maternity expenses, modern treatments, day care procedures and bariatric surgery. It also comes with OPD cover, hospital daily cash benefit and personal accident cover, making it a comprehensive policy. -
Q2. What is the limit of the Star Health Comprehensive policy for cataract surgery?
Ans: The Star Comprehensive Insurance policy covers cataract surgery expenses up to the sum insured limit. -
Q3. Does Star Comprehensive Insurance cover consumables?
Ans: No. The Star Comprehensive Insurance policy does not cover the cost of consumables.
-
Q. What is the advantage of selecting a policy with a duration of more than 1 year?
Ans: If one buys Aditya Birla Health Insurance for more than a year, one can save 7.5 % and 10% on the 2 and 3 years premium, respectively.
-
Q. How is an Individual cover different from a Floater cover?
Ans: In an Individual cover, coverage is offered to each individual in the family separately. In a Family Floater health insurance plan, each family member is covered based on a floater sum insured.
-
Q. How is an Individual cover different from a Floater cover?
Ans: In an Individual cover, coverage is offered to each individual in the family separately. In a Family Floater health insurance plan, each family member is covered based on a floater sum insured.
-
Q. What is a waiver of a mandatory co-pay cover?
Ans: This benefit is covered on payment of an additional premium. Therefore, any mandatory co-payment that is applicable under the Aditya Birla Activ Health Essential Plan will be waived off.
Star Health offers two types of claim settlements – cashless and reimbursement. Follow the steps to raise a claim:
- Find the nearest network hospital of Star Health
- Get admitted to the hospital
- Notify the insurance company about the hospitalization
- In case of pre-planned hospitalization, intimate the insurer before hospital admission.
- Fill up the pre-authorization form and submit it to the hospital staff
- The pre-authorization form will be sent to Star Health for approval.
- Once approved, obtain medical treatment.
- At the time of discharge, sign all the medical documents.
- Pay for the items/services not covered under the Star Health policy
- The network hospital will send the hospital bill to Star Health.
- After review, the insurance company will pay the bill amount directly to the network hospital.
- Inform the insurance company about the hospitalization
- In case of planned hospitalization, notify the insurer before hospital admission.
- Receive medical treatment
- At the time of discharge, pay the entire hospital bill in full.
- Collect all the medical documents, bills and payment receipts
Our Claim specialists in below cities will reach your hospital or home in 30 minutes to support your health insurance claim
