Star Comprehensive Health Insurance Policy

Star comprehensive health insurance policy provides the necessary financial assistance that a person requires at the medical emergency. The policy comes with zero sub-limits or capping and can cover all the family members under a single sum insured. Lifelong renewals are also provided under this plan.

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 This email address is being protected from spambots. You need JavaScript enabled to view it.

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

Written By: PolicyBazaar - Updated: 17 December 2020
Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

Latest Health Insurance Articles

If I Buy top-up Health Insurance, What Should be my Policy Cover?

If I Buy top-up Health Insurance, What Should be my Policy Cover?

Why do you carry a Stepney or a spare tire in your car? So that you can use this spare tire as a stand-by in case one of the tires gets punctured. Similarly, a top-up health insurance plan acts as a Stepney to your med...
Updated: 20th January 2021
Are Wellness Benefits In Health Insurance Useful?

Are Wellness Benefits In Health Insurance Useful?

The real cost to insurance companies is low. It is not surprising to know that the impact achieved is low too. Let’s talk about this in detail. Last week Rhea called her insurer to inquire about the complementary health check-up benef...
Updated: 15th January 2021
10 Reasons why buying a Health Insurance in your 20s a Good Idea

10 Reasons why buying a Health Insurance in your 20s a Good Idea

In India, for a young person in his early 20s, availing a health insurance policy is imperative due to increasing health risks from a sedentary lifestyle. After COVID outbreak, the popularity and need of a health cover h...
Updated: 15th January 2021
High or Low Deductible Health Insurance - Which one to Opt for?

High or Low Deductible Health Insurance - Which one to Opt for?

There are so many health insurance plan options available that it gets difficult to understand all of them and their features. When you are purchasing a health insurance policy you might actually want to do some planning ...
Updated: 4th January 2021
Exploring Manipal Cigna Health Insurance and Claim Settlement

Exploring Manipal Cigna Health Insurance and Claim Settlement

As residents of a developing nation, we are exposed to the risk of contracting various illnesses. Despite thorough maintaining an active lifestyle, we are prone to various illnesses. A lot of factors such as pollution and f...
Updated: 4th January 2021
 
Close
Download the Policybazaar app
to manage all your insurance needs.
INSTALL