Star Comprehensive Health Insurance Policy

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.

Eligibility Criteria:

The entire family can be insured under this comprehensive health plan between the age group of 3 months and 65 years. Also, dependent children who are 3 months to 25 years old can get medical cover along with their insured parents.

Features & Benefits of Star Comprehensive Health Insurance Policy

• Higher Sum Insured Amount- Rs 5 Lakh to Rs 1 Crore
• Instalment Premium Payment Facility: Premium can be paid in EMIs i.e. monthly, quarterly, half-yearly. 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 9900 network-hospitals
• No Exit Age- There is no limit on the exit age
• Pre-existing Diseases- Pre-existing illnesses can also be claimed once the given waiting period is over
• Co-Payment- Co-payment is not required up to 60 years of age and 10% is applicable after 61 years of age

Inclusions of Star Comprehensive Health Insurance Plan

• Pre-hospitalization expenses for a maximum of 30 days before getting admitted
• Post-hospitalization expenses for a maximum of 90 days of getting discharged from the hospital
• Hospitalization expense can be claimed including room charges, boarding charges, cost of nursing, anaesthetist, surgeon fees, Specialist fees, Cost of drugs, Pacemaker, and medicines.
• Ayush hospitalization expenses including Homeopathy, Ayurveda, Unani and Siddha are payable under this policy
• Emergency ambulance transportation charges are also covered
• Both normal and cesarean delivery hospitalization expenses are claimable
• Newborn baby and the vaccination expenses are also covered
• Star comprehensive health plan also includes organ donor charges
• In case of emergency, air ambulance charges are included as well
• Being a comprehensive health plan, it also included domiciliary hospitalization and health check-ups
• The insured can file a claim for an Accidental Death and Permanent total disabilities
• Dental / Ophthalmic OPD treatment in every 3-policy years
• Bariatric Surgery expenses can also be claimed after the completion of the waiting period
• Second medical opinion taken from the star health network of doctors can be reimbursed by sharing medical records at e_medicalopinion@starhealth.in

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 period
• 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

Cancellation Policy

The policy can be cancelled by giving 15 days written notice to the insurer and the company will initiate the refund for the unexpired policy period. The percentage and premium payment frequency is mentioned in the policy wordings. If the premium is paid on a monthly installment basis then it 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, our experts can take you through the policy terms and conditions, premiums and other queries that you might have at the time of purchase.

Procedure for Cashless Claims

• Upon claim intimation from the policyholder or his attender or the network hospital the insurance company will start verifying the policy coverage  
• A panel doctor will confirm the pre-authorization document request and confirm the treatment.
• Accordingly, your cashless claim request will be approved or rejected
• Cashless hospitalization can be availed at any of the network hospitals across India. You need to furnish your Star Health ID card.
• Once the insurer receives the authorization request from the hospital and expenses thereof, your claim is accepted as per the Star health terms and conditions.

Procedure for Claim Reimbursement of Star Comprehensive Health Insurance

• The claim should be filed within 24 hours of hospitalization.
• Reimbursement of hospitalization expenses is available for both network and non-network hospitals
• Avail the medical treatment, submit the bills and file a reimbursement claim
• Submit all the claim documents within 30 days of getting discharged from the hospital
• You can get the claim form after furnishing your policy number and notifying about hospitalization

Documents Required for Claim Submission

• Duly filled claim form
• Star Health card
• Doctor's consultation papers
• Pharmacy bills with medical prescriptions
• Investigation reports including scans, blood report, x-ray etc.)
• Discharge summary
• Other relevant documents
• Accidental hospitalization requires FIR copy or Medico-Legal Certificate
• All the documents need to be in original other than the health card

FAQs