Star Comprehensive Insurance Policy

Star Health Insurance

Claim settlement ratio 99.06%

NCB* 50%, up to 100%

PED Waiting# 36 months (Can be reduced to 12 months by paying extra premium)

Network Hospital 14,000+

Get all your insurance related queries answered for FREE

Paybima's Right Advisor = Expert Solutions

Overview of Star Comprehensive Insurance Policy

Star Comprehensive Insurance Policy is an all-inclusive plan offering unbeatable features and exclusive protection. This is a prudently created health plan that allows complete protection from every eventuality related to your health and the health of your family members. The plan is available on both individual and floater basis.

USP features of Star Comprehensive Insurance Policy

  • One of the key highlights of Star Comprehensive health policy is that the insured can reduce the waiting period of pre-existing diseases (PED) by paying additional premium
  • The plan allows coverage of hospitalisation expenses for Bariatric surgical procedures
  • It also includes delivery benefits as well as pre- and post-natal expenses as mentioned in the policy
  • The outpatient cover offered under the plan is another attractive feature of the Star Comprehensive policy
  • The plan further allows automatic restoration of sum insured on exhaustion of the basic sum insured
  • Other features like personal accident cover and cumulative bonus are also included under the comprehensive plan by Star health insurance

What’s not covered under the Star Comprehensive Insurance Policy?

  • The plan excludes any claim of health conditions that are associated to events before the start of the policy
  • Any injuries or conditions that are pre-existing in nature are excluded too
  • Any injury or accident caused by the insured intentionally or as a criminal offense is also not covered under the plan
  • Similarly, injuries inflicted due to excessive consumption of alcohol is also not covered under the plan
  • Health conditions that occur due to war or war like situation are also on the list of exclusion under the star comprehensive plan
Frequently asked questions

Yes, you can port the policy. All you need is to apply the appropriate form to the insurer at least 45 days prior to the renewal date.

The policy offers a PED of 3 years, which can be reduced to 1 year by paying an extra premium amount.

Yes, air ambulance expenses are covered only if the sum insured of your policy is INR 7.5 Lakh.

Yes. There is a room rent capping under the plan and you would have to share costs with the insurer for choosing a luxury room

Yes, the plan does offer restoration benefit of up to 100%

*If the sum insured under the policy is INR 5 lakhs, the insured is entitled to 50% cumulative bonus, which can go up to a maximum of 100%. However, if the sum insured under the policy is INR 7 lakh the cumulative bonus is calculated at 100% of the basic sum insured for a claim free year, which can go up to a maximum of 100%

# The policyholder has the option to opt for reduction of waiting period for pre-existing diseases from 36 months to 12 months by paying additional premium. This option is available only if the first purchase of an indemnity insurance policy is a star comprehensive insurance policy.

Star Health Insurance - Other Plan Variants

Young Star Insurance Policy