Star Comprehensive Insurance Policy Overview

The medical costs are skyrocketing, and to ward -off the financial burden arising from hospitalization expenses you can consider buying Star Comprehensive Health Insurance plan. There are no sub-limits or and the plan is designed to eliminate your health concerns and provides extensive health benefits to the entire family.

Benefits Star Comprehensive Insurance Plan

There is no capping on room rent for a single standard A/C room
Bariatric surgical treatment and its complications are also covered
Air ambulance cover
Second medical opinion cover
Medical check-ups after 3-consecutive claim free years
Maternity cover (normal delivery and caesarean delivery )
Newborn baby cover
100% automatic restoration of sum insured
Hospital cash benefit
OPD expenses incurred on dental treatment
400 daycare expenses
100% Increment of sum insured for claim-free years
Personal accident cover in case of permanent disabilities and death at no extra cost
Direct in-house claim settlement without TPA involvement
Quick and hassle-free settlement of claims
Cashless hospitalization wherever possible
Availability of more than 8800 network hospitals across India
24x7 emergency helpline assistance
Electronic maintenance of personal health records

Coverage Provided in Star Comprehensive Insurance Plan

Hospitalization expenses are recompensed and the minimum period of hospitalization is 24 hrs. It includes single standard A/C room charges, boarding charges, cost of nursing, surgeon fees, Specialist fees, Cost of drugs and medicines.
Pre-hospitalization expenses for a maximum of 30 days before getting admitted
Post-hospitalization expenses for a maximum of 60 days of getting discharged from the hospital
Emergency ambulance charges as per the specified limits
Air Ambulance cover up to 10% of the SI in a policy period, and it is applicable only to SI of Rs.7.5 lakhs and above
10% co-payment for each and every claim for people above 60 years at the time of policy purchase and subsequent renewals.
Out-patient consultation expenses (except dental and ophthal) up to a specified limit
Domiciliary hospitalization cover for a period exceeding 3 days
Tax relief on the premium paid under Section 80D of the Income Tax Act Free look period
A free look period of 15 days from the date of receipt of the policy is provided to review the policy
Delivery expenses including pre-natal and post-natal expenses up to a specified limit. A waiting period of 36 months of continuous coverage under this policy with Star will apply.
New Born cover ( subjected to the policy terms and condition)
Newborn baby expense cover up to 1000 rupees

Outpatient Ophthalmic and Dental Treatment: Out-patient treatment once in a block of 3 years regardless a claim has been filed or not
Hospital Cash Benefit: Hospital cash cover for every completed day of hospitalization
Health Checkup Cover: Medical check-up expenses once in every 3 claim-free years

Permanent Total Disability and Accidental Death Cover

Accidental death cover
The sum insured amount is equal to the total sum assured of the plan

Bariatric Surgery Cover

Hospitalization expenses for bariatric surgical procedures and related complications and the maximum limit is Rs.2.5 lakh during the policy term
Pre-hospitalization and post hospitalization limit is 2.5 lakh rupees
Payment is only made for cashless claims
To get compensation there is a waiting period of 36 months

Second Medical Opinion Cover

There is an option to avail Second Medical Opinion from a doctor listed under the panel of medical practitioners
You can send the medical records on their registered email-id

No-claim-Bonus

You can earn a No-claim-bonus between 50 to 100% if you do not file a claim. However, if you file a claim then the accrued NCB would be reversed.

Eligibility Criteria for Star Comprehensive Health Insurance Plan

Anyone between the age group of 18 years and 65 years can buy this plan. The age limit for dependent children ranges from 3 months to 25years of age. And there is no upper age limit for subsequent renewals.
It is available on both family floater and Individual basis. Family members include you, your spouse and dependent children

You may also like to read: Star Family Health Optima Plan

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 be accepted as per the Star health terms and conditions.

Procedure for Claim Reimbursement of Star Comprehensive Health Insurance

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