Star Comprehensive Health Insurance Policy

Star Comprehensive Health Insurance Policy

Star Comprehensive Health Insurance policy provides the necessary financial assistance that a person requires during a medical emergency. The policy comes with zero sub-limits or capping and can cover all the family members under a single sum insured with lifelong renewals. Available on both individual and family floater coverage basis, the Star Comprehensive medical scheme pays for maternity (normal and caesarean delivery), bariatric surgery, and quite a few daycare procedures.

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Star Comprehensive Health Insurance Eligibility Criteria

The entire family can be insured under the Star Comprehensive health plan as long as they fall into the age group of 3 months and 65 years. However, dependent children between the age of 3 months to 25 years can only get medical cover along with their insured parents.

Features & Benefits of Star Comprehensive Health Insurance Policy

Following are the key features and benefits of the Star Comprehensive Health Insurance policy:

• Higher Sum Insured Amount- It comes with high sum insured options ranging from Rs 5 lakh to Rs 1 crore.
• Installment Premium Payment Facility- Premium can also be paid in monthly, quarterly and half-yearly instalments. It can also be paid in a lump sum for the entire policy term.
• Cashless Hospitalization- Reduces out-of-pocket expenses by providing cashless treatment in over 11,000 network hospitals
• No Exit Age- There is no limit on the exit age for the insured under this policy.
• Pre-existing Diseases- Pre-existing illnesses can also be claimed once the waiting period of 3 years is over
• Co-Payment- Co-payment is not required up to 60 years of age and 10% is applicable on claims from 61 years of age

Inclusions of Star Comprehensive Health Insurance Plan

Star Comprehensive Health Insurance plan comes with the below coverage:

• Pre-hospitalization expenses for a maximum of 60 days before getting admitted
• Post-hospitalization expenses for a maximum of 90 days of getting discharged from the hospital
• Hospitalization expenses can be claimed, including room charges, boarding charges, cost of nursing, anesthetist’s fee, surgeon’s fee, specialist’s fees, cost of drugs, pacemaker, and medicines.
• AYUSHhospitalization expenses including Homeopathy, Ayurveda, Unani and Siddha are payable under this policy.
• Emergency road ambulance transportation charges are also covered.
• Both normal and cesarean delivery expenses are claimable.
• Newborn baby and vaccination expenses are also covered.
• Star Comprehensive health plan also covers organ donor charges.
• In case of emergency, air ambulance charges are covered as well.
• Being a comprehensive health plan, it also included domiciliary hospitalization
• Health check-up facilities are also available
• The insured can file a claim for accidental death and permanent total disabilities.
• Dental/ophthalmic OPD treatment covered once in every 3years
• Bariatric surgery expenses can also be claimed after the completion of awaiting period of 3 years
• Second medical opinion taken from the Star Health Insurance network of doctors can be reimbursed
• Hospital cash benefit for up to 7 days is provided in case of hospitalization

Exclusions of Star Comprehensive Health Insurance Plan

Star Comprehensive Health Insurance plan does not cover the following expenses:

• Change of gender treatments
• Obesity treatments
• Pre-existing conditions until the completion of the waiting periodof 3 years
• Hazardous or adventure sports-related injuries
• Unproven treatments
• Infertility and sterility treatments
• Venereal diseases and STDs (Other than HIV)
• Nuclear weapon and ware related perils
• Treatment for endocrine disorders

Star Comprehensive Health Insurance Cancellation Policy

The policy can be cancelled by giving 15 days written notice to the Star Health Insurance Company and the company will initiate the refund for the unexpired policy period. If the premium was being paid on a monthly instalment basis, then it is not refundable.

Now that you have full knowledge about this comprehensive plan by Star Health Insurance Company, you can now buy it online. If you buy this plan from Policybazaar.com, our experts can take you through the policy terms and conditions, premiums and other queries that you might have at the time of purchase.

Star Comprehensive Health Insurance Procedure for Cashless Claims

Take a look at the cashless claim procedure for Star Comprehensive Health Insurance:

• Cashless hospitalization can be availed at any of the network hospitals of the company across India. The insured needs to furnish the Star Health ID card.
• Upon claim intimation from the policyholder, his/her attender or the network hospital, the insurance company will start verifying the policy coverage.  
• Once the insurer receives the authorization request from the hospital and expenses thereof, your claim is accepted as per the Star Comprehensive Health Insurance policy terms and conditions.

Procedure for Claim Reimbursement of Star Comprehensive Health Insurance

Given below is the claim reimbursement procedure for Star Comprehensive Health Insurance policy:

• Intimate the claim to Star Health Insurance Company within 24 hours of hospitalization.
• Reimbursement of hospitalization expenses can be availed at both network and non-network hospitals
• Avail the medical treatment and file a reimbursement claim
• Submit all the claim documents within 30 days of getting discharged from the hospital
• The insurance company will pay the claim amount after verifying the claim.

Documents Required for Reimbursement Claim Submission

• Duly filled claim form
• Star Health card
• Doctor's consultation papers
• Pharmacy bills with medical prescriptions
• Investigation reports including scans, blood reports, x-ray etc.
• Discharge summary
• Accidental hospitalization requires FIR copy or Medico-Legal Certificate

All the documents need to be in original other than the health card

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