Star Comprehensive Health Insurance

When medical expenses are on a constant rise, the Star Comprehensive Health Insurance policy can lessen its adverse effects by providing policyholders with financial assistance at the time of a medical emergency. It’s a complete health insurance product with zero sub-limits or capping. The policy offers coverage to all family members under one plan, it is also available as an individual plan. Read on to learn more about the Star Comprehensive Health Insurance plan.

Star Comprehensive Health Insurance Plan Details at a Glance

Here the main features of Star Comprehensive Insurance Policy are listed in the table below:

Key Features of Star Comprehensive Health Insurance Plan

Some of the key features of the Star Comprehensive Health Insurance plan are listed below:

• Sum Insured: The Star Health Comprehensive plan offers policyholders to choose a flexible sum insured. The sum insured option ranges between Rs. 5,00,000 - Rs. 1,00,00,000. Depending on your budget, choose the right sum insured for yourself and your loved ones.

• Coverage: The plan offers an extensive range of benefits for eliminating health care-related worries. Available on both an individual plans and family basis, the Star Comprehensive covers medical expenses incurred on bariatric surgical procedures and their complications, second medical opinion, maternity (normal and caesarean delivery), newborn baby cover, and several daycare procedures.

• Eligibility: The entire family can be insured under this plan from the age of 3 months to 65 years. Children who are dependent on their parents can be covered under this plan until 25 years of age. In addition to these, lifelong renewals are also guaranteed under this plan

• OPD Cover: The Star Health Comprehensive Insurance Plan also provides coverage for Outpatient expenses as mentioned on the policy document.

• No Pre-medical Test: To buy the Star health Comprehensive Plan, policyholders need not undergo any pre-medical test. Without any pre-medical tests, policyholders can buy the Star Comprehensive Health Insurance Plan in hassle-free manner.

Eligibility Criteria of Star Comprehensive Health Insurance Plan

Here is the eligibility criteria to buy the Star Comprehensive Health Insurance Plan:

Benefits of Buying Star Comprehensive Health Insurance Plan

The Star Comprehensive Health Insurance Plan offers a bunch of advantages such as those listed below:

• Delivery Benefit: The Star Comprehensive Health Insurance plan provides coverage for both normal and cesarean deliveries. This includes coverage for newborn treatment, vaccination of kids, and more related expenses.

• Bariatric Surgery: All the expenses related to bariatric surgery are covered as specified on the policy documents.

• Restoration Benefits: Once the policyholder raises a health insurance claim, there are chances that the sum insured can get exhausted. With the Star Comprehensive Health Insurance Plan, your sum insured will automatically get restored even if it has been exhausted. The restoration benefit is 100% in a given policy year.

• Personal Accident Cover: The Star Comprehensive Health Insurance Plan provides coverage if the policyholder meets an accident or dies during the accident. With this plan, policyholders can get worldwide personal accident coverage.

• Hospital Cash: The Star Comprehensive Health Insurance Plan also provides cash benefits after completion of each day in a hospital. The hospital cash is a maximum of up to 7 days per hospitalisation and 120 days per policy period.

• Star Wellness Program: When you buy the Comprehensive Health Insurance plan with Star Health, you are also entitled to get Star Wellness benefits. With this program, policyholders can earn discounts on health insurance premiums for staying fit. The details of the wellness activities are listed on the Star Health Insurance website.

Riders Available with Star Comprehensive Health Insurance Plan

Listed below are some of the riders you can include in your Star health Insurance Comprehensive Plan:

• Personal Accident Cover: This add-on provides protection to the policyholder in case they have an unfortunate accident.

• Reduction in PED Waiting Period: With this add-on, you can get the waiting period for pre-existing conditions reduced from 4 years to 2 years.

• Critical Illness Rider: This rider provides financial compensation in case the policyholder is diagnosed with any kind of critical illness.

Inclusions and Exclusions of Star Comprehensive Health Insurance Plan

Check Star Health Insurance Comprehensive Plan inclusions and exclusions in the given list below:

Inclusions:

• In-patient Hospitalisation: This includes coverage for hospitalisation expenses that requires hospitalisation for more than 24 hours.
• Pre-hospitalisation: Pre-hospitalisation expenses are covered for up to 60 days.
• Post-hospitalisation: Post-hospitalisation expenses are covered for up to 90 days.
• Room rent: There is no capping on room rent and the policyholder can and all the expenses related to nursing are covered.
• Delivery charges: Both normal and cesarean delivery charges are covered up to a maximum of Rs. 50,000.
• Air ambulance cover: The expenses related to air ambulance is covered up to Rs. 5,00,000.
• OPD Cover: Outpatient dental and ophthalmic coverage is up to a maximum of Rs. 10,000.
• Hospital Cash: Under this, policyholders can get hospital cash of Rs. 1500/per day.
• Bariartic surgery: The expenses related to bariartic surgery are covered up to a maximum of Rs. 5 lakhs.
• AYUSH Treatment: The coverage offered under this is up to Rs. 20,000.

Exclusions:

• Any expenses related to rest, cure, and rehabilation
• Obesity or weight control treatment
• Change of gender treatment
• Any injury due to involvement in adventurous activities or breach of law
• Any expenses related to the consumption of alcohol or drugs
• Expenses related to dietary supplements
• Any kind of unproven treatment
• Sterility or infertility treatment

Documents Required to Buy Star Comprehensive Health Insurance Plan

Some of the documents essential for buying the Star Comprehensive Health Insurance Plan are as follows:

• A duly-filled application form
• PAN card
• Aadhaar card
• Income proof
• Details of pre-existing medical conditions
• Previous medical reports
• Passport size photograph

How to Buy Star Comprehensive Health Insurance Plan?

Listed below are the steps in which you can buy the Star Comprehensive Health Insurance Plan:

• Visit the “Health Insurance” section on the official InsuranceDekho website.
• Choose "Star Health Insurance" from the list of health insurance companies.
• Then, select "Comprehensive Health Insurance Plan" from the available health insurance plans.
• Read the policy documents carefully
• Upload all the necessary documents to complete the KYC process
• After finishing the KYC process, pay the premium online
• Finally, you will receive the policy document in your registered email

Claim Process of Star Comprehensive Health Insurance Plan

There are two types of claims you can raise along with the Star Comprehensive Health Insurance Plan, cashless claim and reimbursement claim. Under cashless claims, policyholders can get their claims settled in a cashless manner. On the other hand, in a reimbursement claim, all the medical expenses will be reimbursed once the claim is approved.

Cashless Claim Process

• First, make a visit to the nearest network hospital
• Fill out the proposal form and submit all the relevant documents such as the policy form
• Next, Star Health Insurance will verify all the documents and claim request
• Once verified, your claim request will be settled

Reimbursement Claim Process

• For reimbursement claim settlement, you can get treatment at any hospital
• Next, raise a claim on Star Health insurance on the official website
• Then, submit all the required documents along with the claim form
• You also need to submit the details of the medical expenses. Once all of it has been approved, the expenses will be reimbursed by the insurance company