Star Comprehensive Insurance Policy

Star Health comprehensive Insurance Policy Eligibility:

• Minimum age- 18 years and Maximum- 65 years. Dependent children can be covered from 3 months- 25years of age.
• No upper age limit for continuous renewals.
• This policy is both on Individual basis and on Family Floater basis (self, spouse and dependent children).

Features and Benefits of Star Health comprehensive Insurance Policy:

• Hospitalization cover: Hospitalization expenses (room rent, nursing and boarding charges, Surgeon/Anaesthetist/ Consultants/Specialist fees,and cost of Medicines)are covered subject to a minimum period of 24 hrs.
• Ambulance charges for emergency transportation to hospital up to 750 INR per hospitalisation and overall up to 1500 INR.
• Air Ambulance Benefit: Permitted up to 10% of the Sum Insured opted, during one policy period, applicable for sum insured of Rs.7.5 lakhs and above only.
• Pre hospitalization expenses covered up to 30 days prior to hospitalisation.
• Post hospitalization expenses up to 60 days after discharge.
• Out-patient consultation (other than dental and ophthalmic) expenses up to a certain limit.
• Coversdomiciliary hospitalization for a period exceeding 3 days.

Delivery and New Born cover:

Expenses for Delivery - including Pre-natal and Post natal expenses up-to the limits specified. A waiting period of 36 months of continuous coverage under this policy with Star will apply.

Automatic coverage for the New Born (including internal and external congenital problems) up to the expiry of the current policy (On renewal, this new born baby should be covered specifically)

Vaccination expenses for the New Born up to Rs.1000/- payable.

Outpatient Dental, Ophthalmic treatment

Dental / Ophthalmic treatments as an out-patient - once in a block of every three years irrespective of whether a claim is made or not.

Hospital Cash

Hospital cash benefit for each completed day of hospitalization.

Health Check up

Cost of Health Check-up once after a block of every three claim-free years

Bariatric Surgery

Expenses incurred on hospitalization for bariatric surgical procedure and its complications thereof are payable subject to a maximum of Rs.2, 50,000/- during the policy period.

This maximum limit of Rs.2, 50,000/- is inclusive of pre-hospitalization and post hospitalization expenses.

Claim under this section shall be processed only on cashless basis.

Coverage under this section is subject to a waiting period of 36 months and payable only while the policy is in force

Accidental Death and Permanent Total Disablement

Cover against Accidental Death

The person chosen by the Proposer at the time of payment of premium as mentioned in the schedule herein is covered for Personal Accident

The sum insured for this section is equal to the sum insured opted for the Health insurance.

Option for Second Medical Opinion

The Insured Person is given the facility of obtaining a Second Medical Opinion in electronic mode from a Doctor in the Company's network of Medical Practitioners

Medical records can be sent to the mail ide_medicalopinion@starhealth[dot]in

Automatic Restoration of Sum Insured (Applicable for Section 1 Only)

Upon exhaustion of Basic sum insured, the sum insured will be automatically restored by 100% once policy period. Such restored Sum Insured can be utilized only for illness / disease unrelated to the illness / diseases for which claim was / was made.

Such restoration will be available for section 1 other than Section 1G.

Bonus: Following a claim free year bonus at 50% of the basic sum insured (max.100%) would be allowed. Where there is a claim the Bonus would be reversed in the same order in which it was given.

Sum Insured	Bonus % for every claim free year	Max %	In case of claim the bonus is reduced by
500000	50%	100%	50%
Above 500000	100%	100%	100%

 

Co-Payment: 10% of each and every claim for persons above 60 years at entry level and the subsequent renewals.

Pre-Acceptance Medical Screening: Persons above 50 years will be required to undergo pre-acceptance medical screening at the Company nominated centres. Cost of screening is currently borne by the company.

Pre-Existing Diseases/Illness: These are covered after 48 months of continuous Insurance without break, with any Indian Insurance Company.

 

Premium Benefits of Star Health comprehensive Insurance Policy:

Sl no	Sum Insured	5 Lacs	7.5 Lacs	10 Lacs	15 Lacs	20 Lacs	25 Lacs
1	Room, Boarding and Nursing Charges	Single Standard A/C	Single Standard A/C	Single Standard A/C	Single Standard A/C	Single Standard A/C	Single Standard A/C
2	ICU/Operation Theatre charges	Actual	Actual	Actual	Actual	Actual	Actual
3	Ambulance charges (by road)	Up to 2000 INR	Up to 3000 INR	Up to 3500 INR	Up to 4000 INR	Up to 4500 INR	Up to 5000 INR
4	Air ambulance	Not available	Up to 10% of sum Insured	Up to 10% of sum Insured	Up to 10% of sum Insured	Up to 10% of sum Insured	Up to 10% of sum Insured
5	Pre Hospitalisation expenses	Up to 30 days	Up to 30 days	Up to 30 days	Up to 30 days	Up to 30 days	Up to 30 days
6	Post Hospitalisation expenses	Up to 60 days	Up to 60 days	Up to 60 days	Up to 60 days	Up to 60 days	Up to 60 days
7a	Delivery charges	10000	20000	25000	25000	25000	25000
7b	Delivery charges	15000	40000	40000	40000	40000	40000
8	Waiting period for delivery	36 months for first delivery	36 months for first delivery	36 months for first delivery	36 months for first delivery	36 months for first delivery	36 months for first delivery
		24 months after a delivery claim	24 months after a delivery claim	24 months after a delivery claim	24 months after a delivery claim	24 months after a delivery claim	24 months after a delivery claim
9	Coverage for a new born	Up to 50000	Up to 100000	Up to 100000	Up to 100000	Up to 100000	Up to 100000
10	Vaccination Expenses for new-born	Up to 1000	Up to 1000	Up to 1000	Up to 1000	Up to 1000	Up to 1000
11	Outpatient dental/opthal coverage in a block of 3 years of continuous renewal	Up to 5000	Up to 10000	Up to 10000	Up to 10000	Up to 10000	Up to 10000
12	Outpatient Medical Consultation other than above	Up to 1200 (per consultation limit 300)	Up to 1500 (per consultation limit 300)	Up to 2100 (per consultation limit 300)	Up to 2400 (per consultation limit 300)	Up to 3000 (per consultation limit 300)	Up to 3300 (per consultation limit 300)
13	Hospital cash up to 7 days per occurrence and up to 120 days per policy period.	500 per day	750 per day	750 per day	1000 per day	1000 per day	1500 per day
14	Health check-up once in a block of every 3 claim free years of continuous renewal	Up to 5000	Up to 7500	Up to 7500	Up to 12000	Up to 12000	Up to 12000
15	Restoration benefit after exhaustion of sum insured	100%	100%	100%	100%	100%	100%
16	Bariatric surgery	250000	250000	250000	250000	250000	250000
17	Cover for Accidental death and permanent Total Disablement	500000	750000	1000000	1500000	2000000	2500000

 

*The above rates may vary. Please check the policy wordings.