Star health and Allied insurance company - Star Comprehensive Insurance Policy

Purchase mode: Online

Options available: Family Floater

Product Features:

Parameter

Value

Entry age

5 months to 65 years

Renewal

Lifelong

Policy tenure

Yearly

Pre existing illness cover

Pre existing illness cover after 36 months

Cashless Facility

To network hospital

Sum Insured

Rs. 25 lacs to 25 lacs

Family Combination

Maximum 2 Adults and 2 Children

Hospitalization cover

Covered

Pre & post hospitalization medical expenses

Pre hospitalization expenses upto 30 days prior to hospitalization

Post hospitalization expenses upto 60 days after discharge from hospital

Domiciliary treatment

Not Covered

Sub limits

Covered

 

What does this policy cover

In-patient: Comprehensive provides medical expenses incurred during hospitalization including pre and post hospitalization expenses, day care procedures, and domiciliary treatment.

Maternity Expenses: Comprehensive policy covers expenses for delivery, treatment of new born, vaccination expenses etc.

Outpatient Dental and Ophthalmic Treatment: Comprehensive plan covers expenses for treatment of natural tooth and eyes.

Hospital Cash: Depending on Sum Assured, some amount of cash is payable up to 7 days per occurrence and maximum of 120 days per policy period.

Health Check Up: This benefit becomes payable if the policy is continued for 3 claim free years.

Automatic Restoration: For hospitalization cover, if the Sum Assured is exhausted, it will be restored once up to 100% for the remaining policy period. The restored cover cannot be utilized for the same illness for which Sum Assured was exhausted.

Tax benefits: You can avail tax benefits under Section 80D to maximum amount of Rs 15,000. For senior citizens, the maximum amount is Rs 20,000.

Exclusions

Star Health Comprehensive, a truly different plan has some 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

There are few more exclusion’s which can be verified from the policy document

Special features of the policy   

Major USP of Comprehensive Policy is Extensive policy coverage.

Suggestion and Better alternatives of mediclaim:

Star Health Comprehensive Policy has very broad coverage and also good range of Sum Assured. The Sum Assured Auto Restoration is an excellent feature which restores the cover in case the health Sum Assured is exhausted. The plan is also very economical.

Illustration showing premium:

No. of Members (Individual)

Age Group

Premium Sum Insured 5 lacs

2 Adults

35 years

Rs. 11,708

2 Adults + 2 chid

36-45

Rs. 18,438

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Table of Contents

Table of Contents