Star Health – Star Health Comprehensive Individual

8.4
Expert ScoreRead review

As the name suggest, Star Comprehensive is a comprehensive health insurance plan which provides all the tenets of health insurance cover options. the whole family can also be included in the plan’s coverage and enjoy coverage features like room rents without sub-limits, second opinion, accidental death and disability coverage, etc

  • Cover :₹ 20.0 Lakhs
  • Bonus / NCB :100% for every claim free year, max 100%. If claim will reduce by 100%. If no claim in a year, then SI doubles.
  • Copay :0.0% 
  • Claims Settled :99.06%

₹16,638.00

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Health insurance

Star Health – Star Health Comprehensive Individual

8.4
Expert ScoreRead review


Premium Amount

₹16,638.00

As the name suggest, Star Comprehensive is a comprehensive health insurance plan which provides all the tenets of health insurance cover options. the whole family can also be included in the plan’s coverage and enjoy coverage features like room rents without sub-limits, second opinion, accidental death and disability coverage, etc

  • Cover :₹ 20.0 Lakhs
  • Bonus / NCB :100% for every claim free year, max 100%. If claim will reduce by 100%. If no claim in a year, then SI doubles.
  • Copay :0.0% 
  • Claims Settled :99.06%
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100% Cover restoration
There shall be automatic restoration of the Basic Sum Insured by 100% immediately upon exhaustion of the Basic Sum Insured and accrued cumulative bonus if any, once during the policy period.
Free Health Check-up
-
Daily cash allowance
Rs 1,000/day. Upto 7 days per occurance and max upto 120 days per policy period
Ambulance charges
Road Ambulance: As per Actuals Air Ambulance: Up to Rs. 2,50,000 per hospitalisation not exceeding Rs 5,00,000 per policy period
Pre-hospitalisation
Expenses for 60 days covered
No claim bonus
100% for every claim free year, max 100%. If claim will reduce by 100%. If no claim in a year, then SI doubles.
Post hospitalisation
Expenses for 90 days covered
Ayush treatments
Ayush benefit up to Rs. 20000
Maternity
24 months for first delivery from inception of policy or 24 months from last claim for next delivery, Normal Delivery Rs 30,000, Caesarean Delivery Rs 50,000
Outpatient Expense
Customer also gets outpatient cover of upto Rs. 10,000 for Ortho/Dental consultation once in a block of three years of continuous renewal.", Upto Rs. 3,000 with per consultation limit of Rs. 300 for all consultations other than Ortho/Dental consultation.
Organ donor expenses
Coverage limit is upto the Basic Sum Insured. This additional SI can be utilised by the donor but not by the insured, Organ donor is payable on actuals provided the claim for transplantation is payable. In addition,, the expenses incurred by the donor for any complications that necessiate a Redo Surgery/ICU Admission is allowed.
New-born treatment
Applicable only for new borns for whom claim has been made for delivery in the policy,Coverage: Up to 1,00,000, Vaccination expense: Up to 5,000
Domiciliary Hospitalisation
1. Patient is not in a condition to move to a hospital 2. Patient cannot be treated at hospital due to unavailability of room, Domicilliary hospitalization coverage allowed for treatment (incl AYUSH) exceeding 3 days in case:
Recovery allowance
NA
Sum Insured
20 Lakh
E- Consultation
NA

Pros

NA
100% for every claim free year, max 100%. If claim will reduce by 100%. If no claim in a year, then SI doubles.
Ayush benefit up to Rs. 20000
Domiciliary Hospitalisation
1. Patient is not in a condition to move to a hospital 2. Patient cannot be treated at hospital due to unavailability of room, Domicilliary hospitalization coverage allowed for treatment (incl AYUSH) exceeding 3 days in case:

cons

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USP of This Plan

As the name suggest, Star Comprehensive is a comprehensive health insurance plan which provides all the tenets of health insurance cover options. the whole family can also be included in the plan’s coverage and enjoy coverage features like room rents without sub-limits, second opinion, accidental death and disability coverage, etc

  • Cover :₹ 20.0 Lakhs
  • Bonus / NCB :100% for every claim free year, max 100%. If claim will reduce by 100%. If no claim in a year, then SI doubles.
  • Copay :0.0% 
  • Claims Settled :99.06%

Our Take

8.4Expert Score
As the name suggest, Star Comprehensive is a comprehensive health insurance plan which provides all the tenets of health insurance cover options. the whole family can also be included in the plan’s coverage and enjoy coverage features like room rents without sub-limits, second opinion, accidental death and disability coverage, etc
  • Cover :₹ 20.0 Lakhs
  • Bonus / NCB :100% for every claim free year, max 100%. If claim will reduce by 100%. If no claim in a year, then SI doubles.
  • Copay :0.0% 
  • Claims Settled :99.06%
Best values score
8.4

Policy Exclusions :

Any claim other than accidental claims inside 30 day waiting period

Obesity & weight control
Any claim for PEDs made during the waiting period of 36 months for 1 & 2 year policies or 30 months for 3 year policy.
Change of gender treatments
Any claim for specific procedures or diseases during the waiting period of 24 months
Cosmetic or plastic surgery
Investigation & Evaluation
Hazardous or adventure sports
Rest care & rehab outside the limits covered
Breach of law
Alcholism, drug or substance abuse
Excluded providers
Treatment recieved in nature clinics, health hydros, spas, etc and dietary supplements and substances purchase without prescription
Refractive error
Unproven treatments
Sterility, Infertility expenses and Maternity expenses over and above those covered in the policy

Claims settlement

If you go to a non-network hospital, you will have to get the claim settled on reimbursement basis by providing the original bills and documents to the insurer
If you get admitted to a network hospital, you can get a cashless authorization from the insurer and then the insurer will settle the expenses directly with the hospital.
Star Health – Star Health Comprehensive Individual
₹16,638.00

Star Health – Star Health Comprehensive Individual

★★★★★
Added to wishlistRemoved from wishlist 0
Add to compare
8.4Expert Score
As the name suggest, Star Comprehensive is a comprehensive health insurance plan which provides all the tenets of health insurance cover options. the whole family can also be included in the plan’s coverage and enjoy coverage features like room rents without sub-limits, second opinion, accidental death and disability coverage, etc
  • Cover :₹ 20.0 Lakhs
  • Bonus / NCB :100% for every claim free year, max 100%. If claim will reduce by 100%. If no claim in a year, then SI doubles.
  • Copay :0.0% 
  • Claims Settled :99.06%
Best values score
8.4

Specification: Star Health – Star Health Comprehensive Individual

Co-pay

Claims settlment Ratio

Sum Insured

100% Cover restoration

No claim bonus

Free Health Checkup

Ambulance charges

Daily Cash Allowance

Pre-hospitalisation Expenses

Post hospitalisation expenses

Organ donor expenses

, ,

Maternity

New-born treatment

Domiciliary Hospitalisation

,

Outpatient

,

Ayush treatments

Day Care Procedures

Abundance of network hospitals

Pre-existing diseases (PED)Coverage

Recovery allowance

Room Rent Limit

Tele-Consultation

The waiting period

Treatment at Home

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Star Health – Star Health Comprehensive Individual
Star Health – Star Health Comprehensive Individual

₹16,638.00

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