Compare Star Comprehensive Insurance Policy

Key features of the plan

• There are no pre-entrance medical check-ups for individuals aged up to 50 years.
• The available Sum Insured under the plan ranges from Rs.5 lakhs to Rs.25 lakhs and the extent of benefits depends on the Sum Insured chosen.
• The plan also covers expenses incurred on Bariatric surgeries.
• There is an inbuilt Accidental Death and Permanent Total Disablement benefit which increases the scope of coverage.

Plan benefits

• Medical benefits – the list of medical expenses covered by the plan and their extent is as follows:

  Coverages	Sum Insured Rs.5 lakhs	Sum Insured Rs.7.5 lakhs	Sum Insured Rs.10 lakhs	Sum Insured Rs.15 lakhs	Sum Insured Rs.20 lakhs	Sum Insured Rs.25 lakhs
  Room rent, Boarding expenses, nursing charges	A single, standard, AC room	A single, standard, AC room	A single, standard, AC room	A single, standard, AC room	A single, standard, AC room	A single, standard, AC room
  Day care treatments	405 treatments covered	405 treatments covered	405 treatments covered	405 treatments covered	405 treatments covered	405 treatments covered
  Pre-hospitalization	30 days	30 days	30 days	30 days	30 days	30 days
  Post hospitalization	60 days	60 days	60 days	60 days	60 days	60 days
  Domiciliary hospitalization	Covered	Covered	Covered	Covered	Covered	Covered
  Second medical opinion	Covered	Covered	Covered	Covered	Covered	Covered
  Ambulance cover	Up to Rs.2000	Up to Rs.3000	Up to Rs.3500	Up to Rs.4000	Up to Rs.4500	Up to Rs.5000
  Air Ambulance Cover	Not covered	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
  Outpatient dental and ophthalmic cover	Up to Rs.5000	Up to Rs.5000	Up to Rs.10,000	Up to Rs.10,000	Up to Rs.10,000	Up to Rs.10,000
  Hospital Cash Allowance	Rs.500/day	Rs.750/day	Rs.750/day	Rs.1000/day	Rs.1000/day	Rs.1500/day
  Outpatient medical consultation	Up to Rs.1200 per consultation limited to Rs.300	Up to Rs.1200 per consultation limited to Rs.300	Up to Rs.2100 per consultation limited to Rs.300	Up to Rs.2400 per consultation limited to Rs.300	Up to Rs.3000 per consultation limited to Rs.300	Up to Rs.3300 per consultation limited to Rs.300
  Maternity expenses	Normal delivery–Rs.10,000 Cesarean delivery –Rs.15,000	Normal delivery–Rs.20,000 Cesarean delivery –Rs.40,000	Normal delivery–Rs.25,000 Cesarean delivery –Rs.40,000	Normal delivery–Rs.25,000 Cesarean delivery –Rs.40,000	Normal delivery–Rs.25,000 Cesarean delivery –Rs.40,000	Normal delivery–Rs.25,000 Cesarean delivery –Rs.40,000
  New born baby cover	Up to Rs.50,000	Up to Rs.1 lakh	Up to Rs.1 lakh	Up to Rs.1 lakh	Up to Rs.1 lakh	Up to Rs.1 lakh
  First year vaccinations	Up to Rs.1000	Up to Rs.1000	Up to Rs.1000	Up to Rs.1000	Up to Rs.1000	Up to Rs.1000
  Restoration of Sum Assured	Up to 100% of Sum Insured	Up to 100% of Sum Insured	Up to 100% of Sum Insured	Up to 100% of Sum Insured	Up to 100% of Sum Insured	Up to 100% of Sum Insured
  Health check-ups once in 3 years	Up to Rs.5000	Up to Rs.7500	Up to Rs.7500	Up to Rs.12,000	Up to Rs.12,000	Up to Rs.12,000
  Bariatric Surgery	Rs.2.5 lakhs	Rs.2.5 lakhs	Rs.2.5 lakhs	Rs.2.5 lakhs	Rs.2.5 lakhs	Rs.2.5 lakhs
  Accidental Death and Disablement	Rs.5 lakhs	Rs.7.5 lakhs	Rs.10 lakhs	Rs.15 lakhs	Rs.20 lakhs	Rs.25 lakhs

• No Claim Bonus – if the policyholder does not make a claim in any policy year he earns a cumulative bonus of 50% increase in the Sun Insured subject to a maximum of 100% if the cover is Rs.5 lakhs and 100% increase in case Sum Insured is above Rs.5 lakhs.
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What is not covered by the plan?

Illnesses suffered during the first 30 days of the plan commencement are not covered.
Critical Illnesses suffered during the first 90 days of the plan commencement are not covered.
Pre-existing illnesses or conditions are not covered by the plan in the first 4 years of the policy
Maternity related expenses and bariatric surgeries are not covered in the first 3 years of the policy.
Specific illnesses are not covered in the first two years of the plan.
Illnesses or accidents caused due to genetic disorder or stem cell surgery, substance abuse, participation in adventure sports or hazardous activities, criminal acts, attempted suicide, war and hazardous substances, etc. are not covered.
Treatments like dental treatments, cosmetic treatments, artificial life support, weight loss treatments, non-allopathic treatments or due to HIV/AIDS, etc. are not covered.

Premium Illustration

Below are the sample rates of premium payable by a non-smoking male for different combinations of age and members covered. The Sum Insured is Rs.5 lakhs and the policy is taken for 1 year.