Insurance Inbox

HDFC

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.

Sum Insured

5,00,000 to 25,00,000

Premium starts from

12,296

Key Highlights

    Cashless Treatment at 7900+ Network Hospitals

    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.

    Cover for Bariatric Surgery

    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.

    Cover for Accidental Death and Permanent Total Disability

    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.

    Key Product Benefits to Check

      Expenses before and after Hospitalization

      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.,

      Day Care Treatment

      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.

      Health Checkup

      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.

      Out Patient Medical Expenses

      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.

      Delivery and New Born Expenses

      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 during hospitalization

      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.

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      Exclusions to note

        Pre exisiting diseases

        In the first 4 years of subscription, Star will not pay for treating medical conditions that you may have been suffering from before purchasing the policy.

        30 days waiting period

        You can only claim for treatments of accidental injuries for the first 30 days after taking the policy

        2 years waiting period

        This policy covers some diseases/treatments like Cataract, Hysterectomy, Kidney Stone, Varicose veins, surgery of Tonsils and sinuses …etc., only after 2 years.

        3 years waiting period

        You cano claim for maternity/ new born expenses and Bariatric Surgery after 3 continuous policy years.

        Assets to be Covered

          icontwo

          Your Health

          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.

          icontwo

          Family Health

          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.

          Risks to be Covered

          Family

          Ambulance Charges

          The charges for transporting the insured person via ambulance before and after the hospitalization are covered under ambulance charges.

          70% Complete

          7/10
          Family

          Accidental Death

          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.

          70% Complete

          8/10
          Family

          Permanent Disability

          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

          70% Complete

          8/10
          Family

          Maternity related expenses

          Through maternity cover, the medial expenses associated with the hospitalization of an insured person for the delivery of a child are covered.

          70% Complete

          8/10
          Family

          Hospitalization expenses

          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.

          70% Complete

          10/10
          Family

          Pre & Post Hospitalization Expenses

          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.

          70% Complete

          8/10
          Family

          Day Care Treatment expenses

          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.

          70% Complete

          9/10
          Family

          Domiciliary treatment expenses

          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

          70% Complete

          9/10
          Family

          Health Check up expenses

          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

          70% Complete

          7/10
          Family

          Second opinion expenses

          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

          70% Complete

          8/10
          Family

          Outpatient & Pharmacy Expenses

          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

          70% Complete

          7/10
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          Our Expert Says

            Hi Dr.P. Nandagopal, I am looking for a Health Insurance cover. Can you please brief me about this product

            Anonymus

            Nandagopal

            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...

            Anonymus

            Nandagopal

            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.

            Our Experts Panel

              user

              Dr. Nandagopal Pothula

              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.

              user

              Dr. Kamalakar Sai

              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

              user

              Dr. Mamtaa Goel

              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.

              FAQ’s

                Can I avail this policy if I am not an Indian National but living in India?

                Yes, foreigners living in India can be covered under a health insurance policy. However, the coverage would be restricted to India.

                What do you mean by Network /Non-network Hospitalization?

                A Hospital, which has an agreement with us for providing Cashless treatment, is referred to as a 'Network Hospital'. Cashless facility is provided ONLY at the network hospitals. Non-network hospitals are those with whom we do not have any agreement and any policyholder seeking treatment in these hospitals will have to pay for the treatment and later claim as per reimbursement procedure.

                Does any health policy cover the treatment for existing disease also?

                Normally health plans exclude treatment of any pre existing disease / condition. At Star the treatment of any such pre existing disease/ condition is covered after 48 months of continuous renewals with Star.

                Does health insurance cover diagnostic charges like X- ray, MRI or ultrasound?

                Health Insurance covers all diagnostic test like X- ray, MRI, blood tests etc as long they are associated with the patients stay in the hospital for at least 24 hours. Any diagnostic tests which does not lead to treatment or which have been prescribed as Outpatient are generally not covered.

                Can a take a health insurance policy for my child who is 3 yrs old?

                Children alone are not covered individually in health policies but can be covered with either of the parent.

                My wife and children are residing at Mysore while I am here in Bangalore. Can I cover all of us in one policy?

                Yes, you can cover the entire family under one policy. Your health insurance policy is in force across India.
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