BROCHURE
ENQUIRY

Plan Overview

The Star Comprehensive Insurance Policy offers exhaustive health coverage for individuals and families with no sub-limits or caps. It is designed to ease the financial burden of medical expenses with a wide range of benefits, covering hospitalization, day care procedures, pre-existing diseases, and more.

Coverage Highlights

  • Hospitalization: Room, boarding & nursing, surgeon & specialist fees, anesthesia, blood, oxygen, operation theatre charges
  • Air ambulance cover (up to 10% of sum insured for policies above Rs. 7.50 Lakhs)
  • Emergency ambulance charges
  • Pre and post-hospitalization medical expenses (30 days before and 60 days after hospitalization)
  • Coverage of specified diseases after waiting periods
  • 405 day care procedures covered
  • Outpatient medical consultations (excluding dental & ophthalmic)
  • Domiciliary hospitalization
  • Bariatric surgery coverage with specified limits
  • Accidental death and permanent total disablement cover

Special Features

  • Second medical opinion facility
  • No Third Party Administrator for claim processing
  • Cashless hospitalization in network hospitals
  • 24/7 toll-free helpline
  • Automatic restoration of sum insured after exhaustion
  • Health check-up benefit every 3 claim-free years
  • Hospital cash benefit for each day of hospitalization (up to 7 days per occurrence)

Eligibility

  • Entry age: 3 months to 65 years
  • Lifelong renewals guaranteed
  • Coverage for dependent children up to 25 years economically dependent on parents
  • Pre-acceptance medical screening for those above 50 years

Waiting Periods and Exclusions

  • Accidents covered from day 1
  • 30 days waiting period for illnesses
  • 24 months for specific illnesses
  • 36 months for delivery, newborn cover, and bariatric surgery
  • Standard exclusions apply (e.g., pre-existing diseases, cosmetic treatments, specified illnesses during waiting periods)

Renewal and Portability

  • Guaranteed renewals with a 30-day grace period
  • Option to enhance sum insured at renewal
  • Policy is portable to other insurers following guidelines

Claim Process

  • 24-hour helpline assistance
  • Inform prior for planned hospitalization; within 24 hours for emergency admission
  • Cashless facility available at network hospitals
  • Reimbursement process for non-network hospitalizations

Premiums

Flexible plans with sum insured options ranging from Rs. 5,00,000 to Rs. 25,00,000, with premiums varying based on age and family size.

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