Star Comprehensive Insurance Policy
Star Health Comprehensive Plan offers Health Cover, Delivery and New Born Cover, Dental and Ophthalmological Treatment, Hospital Cash Benefit- all under a single roof. With no sub-limits or caps on room rent, this plan offers exhaustive benefits for the entire family designed to eliminate your health worries.
You don’t have to pay even a single paisa from your own pocket in more than 7900+ network hospitals, for all the treatments that are covered by the policy. The Insurer shall pay for your treatment directly to the hospital, maximum up to Sum Insured.
This is the only Health Insurance plan that covers the cost of Bariatric Surgery. You can cover the expenses incurred on Hospitaliations and complications thereof subject to a maximum of Rs.2,50,000 during the policy period.
This plan provides additional cover upto your Sum Insured in case of death due to accident or permanent total disability. This feature is available for 1 adult below 70 years for the policy.
You will get covered for all your claim related medical expenses 30 days before your hospitalization and upto 60 days after your discharge. This list may include follow-up visits, medication, diagnosis… etc.,
Insurance company will pay for more than 405 treatments that would require hospitalization for less than 24 hours. (Due to advancement in Technology). Please refer the terms for exact list of procedures.
In order to encourage you to stay healthy, Star Health provides a comprehensive health check-up for all insured persons above 18 years once every 3 claim free years.
You can get reimbursement for the expenses ou incurred on Medical Consultations as an Out Patient in Network Hospitals for other than Dental and Opthal, upto the limits mentioned in the schedule of beneifts with a limit of Rs. 300 per consultation.
You can cover the expenses incurred for delivery including delivery by caesarean upto the limits mentioned, upto a maximum of 2 deliveries. You can avail this facility after 3 continuous policy years.
Get Cash benefit of Rs.500 to Rs.1500 for each day (depending on plan type) during hospitalization, which you can use against all non claimable expenses.
You need to take care of yourself so that you can provide your loved ones with all they need. Protect your health from any unwarranted financial troubles by opting for a health insurance plan.
Your family means the world to you and is the most precious thing in your life. You would want to protect it at all costs. Protect your family with health insurance plan so that no financial problem can burden your family.
The charges for transporting the insured person via ambulance before and after the hospitalization are covered under ambulance charges.
Accidental death benefit is the amount paid to the insured in case of death strictly due to accident. It typically excludes such things as acts of war, death caused by illegal activities, etc. Hazardous hobbies in which the insured regularly engages are generally specifically excluded as well.
Permanent Disability (PD) means that because of a sickness or injury, a person is unable to work in their own or any occupation for which they are suited by training, education, or experience. A lumpsum is paid to the insured in this case
Through maternity cover, the medial expenses associated with the hospitalization of an insured person for the delivery of a child are covered.
Hospitalisation Expenses means the medical treatment costs that is necessary andreasonable in scope to treat the condition for which the Insured Person was Hospitalisedto the extent that such cost does not exceed the reasonable charges. The patient has to be in the hospital for at least 24 hours. Generally covers ICU charges, surgery, anaesthesia, doctor's charges etc.
Pre-hospitalization expenses include various charges related to medical tests before an individual gets hospitalized. Post hospitalization expenses include all expenses or charges incurred by an individual after he or she is hospitalized.
Day Care Treatment refers to medical treatment and/or surgical procedure which is undertaken under General or Local Anaesthesia in hospital / day care centre in less than 24 hours because of technological advancements. The expenses for these tratments are day care treatments.
Domiciliary Hospitalization is the treatment of the patient taken at home due to lack of accommodation in the hospital/nursing home or the patient's condition being such that he/she cannot be shifted to the hospital
Many insurers these days provide health check up feature for its insured members per some number of years. Many insurers also provide these check-ups as cashless at their network hospitals
Second opition is requesting an examination and evaluation of a health condition by a second physician to verify or challenge the diagnosis by a first physician. Generally happens in case of critical illnesses
Outpatient department (OPD) expenses, such as diagnostics tests, chemist bills, doctor's visit fees, dental treatment, medical bills etc, form a major portion of total healthcare cost these expenses are called OPD expenses
Hi Dr.P. Nandagopal, I am looking for a Health Insurance cover. Can you please brief me about this product
Star Comprehensive Plan is a pleasantly different policy as compared to others. It has some important features and benefits such as cover for medical consultation, bariatric surgery, air-ambulance, second medical opinion, and domiciliary hospitalization and day care procedures. Also other benefits maternity and new born baby cover makes this policy quite comprehensive.
Thank you so much for your help...
It’s my pleasure. Please feel free to ask whatever questions you have. Myself or my friends will try our best to answer. Just click the below button and ask your questions.
Dr. Nandagopal Pothula has been in the field of Finance and Insurance for the past 19 years. He was the Senior Vice Presidentat Birla Sun Life Insurance and also served as the CEO of Reliance Life Insurance before founding India First Life Insurance Company. He is the CEO of Insurance Inbox.
Kamalakar Sai has 22 years of experience in finance and insurance background. He has held key managerial positions at Birla Sun Life Insurance, Reliance Insurance, India First Insurance and is currently serving as the Director of Geosansar Insurance Brokerage Private Limited
Mamtaa Goel is the Business Director at Insurance Inbox. She has an excellent 12 year record in the field of Insurance having served in senior managerail capacities at Reliance Insurance, TTK Healthcare and IndiaFirst Life Insurance.
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