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

1. Outpatient Ophthalmic and Dental Treatment: Out-patient treatment once in a block of 3 years regardless a claim has been filed or not
2. Hospital Cash Benefit: Hospital cash cover for every completed day of hospitalization
3. 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

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

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