Star Comprehensive Insurance Policy Eligibility

  • Min Child age: 5 months
  • Max adult age: 65yrs
  • Max child age: 25yrs
  • Members covered: Individual and family plan. You can avail this policy for maximum combination of 2A3C
  • Policy Period: Policy available for 1yr
  • Policy Available for: Sum Insured Rs.5L-25L

Star Comprehensive Insurance Policy Benefits

  • Co-Payment: 10% of each and every claim for persons above 60 years at entry level and their subsequent renewals.
  • Pre-Acceptance Medical Screening: Persons above 50 years will be required to undergo pre-acceptance medical screening at the Company nominated centers. Cost of screening is currently borne by the company.
  • Network Hospitals: Network of more than 6000 hospitals across India.

Star Comprehensive Insurance Policy Features

  • Hospitalization cover protects the insured for in patient hospitalization expenses for a minimum period of 24 hrs. These expenses include room rent (Single Standard A/C room), nursing and boarding charges, Surgeon, Anesthetist, Medical Practitioner, Consultants, Specialist fees, Cost of Medicines and Drugs.
  • Ambulance charges for emergency transportation to hospital as per specified limits.
  • Air Ambulance Benefit: Permitted up to 10% of the Sum Insured opted, during one policy period, applicable for sum insured of Rs.7.5 lakhs and above only.
  • Pre hospitalization expenses up to 30 days prior to admission in the hospital
  • Post hospitalization expenses up to 60 days after discharge from the hospital
  • Out-patient consultation (other than dental and ophthal) expenses up to limits mentioned in the table of benefits
  • Coverage for Domiciliary hospitalization for a period exceeding three days.
  • Expenses for Delivery - including Pre-natal and Post natal expenses up-to the limits specified. A waiting period of 36 months of continuous coverage under this policy with Star will apply.
  • Automatic coverage for the New Born (including internal and external congenital problems) up to the expiry of the current policy (On renewal this new born baby should be covered specifically)
  • Vaccination expenses for the New Born upto Rs.1000/- payable.
  • Outpatient Dental, Ophthalmic treatment - Dental / Ophthalmic treatments as an out-patient - once in a block of every three years irrespective of whether a claim is made or not.
  • Hospital Cash - Hospital cash benefit for each completed day of hospitalization.
  • Health Check up - Cost of Health Check-up once after a block of every three claim-free years.
  • Bariatric Surgery.
  • Accidental Death and Permanent Total Disablement.
  • Option for Second Medical Opinion

Star Comprehensive Insurance Policy Claim Process

When the member of the covered family is aware of the hospitalisation in advance.In case of planned hospitalisation:
  • Please contact the toll-free help line: 1800 425 2255
  • Fax the Pre-Authorization form duly filled from the hospital at the below numbers
  • Toll-free: 1800 425 5522
  • Non Toll-free: 044 28302200
  • Please carry your ID card and policy schedule.
Emergency:When the Insured meets with an accident or suffers from bout of illness that requires immediate admission to the hospital.
  • After the patient is rushed to the hospital and avails treatment.
  • Family to contact the toll free help line - 1800 425 2255 and Fax the Pre-Authorization form duly filled from the hospital at the below numbers within 24 hours of admission.
  • Toll-free:1800 425 5522
  • Non Toll-free: 044 28302200
When the Insured gives prior intimation about the treatment and the insured pays the expenses himself with the hospital and then claims for a reimbursement of those expenses.

Star Comprehensive Insurance Policy Exclusions

  • Any illness diagnosed within 30 days of inception of policy is not covered, however accidental injuries will be covered.
  • Expenses for delivery of child within 36 months of continuous coverage from date of commencement of policy.
  • There is 1 year waiting period for- Benign Prostrate, hypertrophy, hernia, hydrocele and related disorders.
  • There is 2 year waiting period for particular diseases like cataract, joint replacement etc.
  • Pre existing diseases will be covered after 4 years of continuous coverage.
  • Experimental treatments which are used for discovering cause of problem.
  • Cosmetic treatments or plastic surgery.
  • Naturopathy treatment.