Compare Star Comprehensive Insurance Policy

Star-Health-Insurance

Star Comprehensive Insurance Policy

Star Comprehensive Insurance Policy is, as the name suggests, a comprehensive health insurance plan which can be taken individually or for the entire family. The policy also covers maternity related expenses and is available for individuals aged up to 65 years.

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.

How does the plan work?

Step 1 – the policyholder chooses the Sum Assured and the members covered.

Step 2- If the covered member (s) face any medical contingency and the related expenses are covered by the plan the expenses incurred are paid by the plan.

Step 3 – if the plan matures and no medical contingencies occur, no benefit is paid.

Example

Example

Ravi, a non-smoking male aged 35 years, buys the plan for himself for a Sum Assured of Rs.10 lakhs.

Option 1 – Ravi undergoes a Bariatric surgery after 3 years of buying the plan. The policy pays Rs.2.5 lakhs for the surgery.

Option 2 – if, on the other hand, the plan matures and Ravi doesn’t suffer any medical emergency, no benefit is paid.

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.
  • >

Eligibility Criteria

  Minimum Maximum
Age at entry (in completed years) 3 months Adults - 65 years
Dependent children – 25 years
Premium paying options Single pay
Sum Assured Rs.5 lakhs Rs.25 lakhs

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.

Star-Comprehensive-Insurance-Policy

FAQs

What is the waiting period in case of second delivery?

If a first maternity claim is paid in the plan, the subsequent waiting period for second delivery is 24 months.

When are OPD coverages available?

The policyholder can avail OPD coverage for dental, ophthalmic or other expenses after a continuous period of 3 years.

What is the limit of fays for which hospital cash allowance is paid?

Hospital cash benefit is paid for 7 days in a row and for a maximum period of 120 days in a policy period.

What is the maximum renewability age?

Renewals are allowed lifelong without any limit on maximum age.

Is there any limiting condition in the Accidental Death and Disablement benefit coverage?

This benefit is not available dependent children or if the policyholder is aged 70 years and above.

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