1. Eligibility and Policy Terms
- Entry Age: Minimum of 3 months and up to 65 years.
- Renewals: Lifelong renewal options with no exit age.
- Policy Type: Available on an individual or floater basis (covering up to 2 adults and 3 dependent children up to 25 years).
- Sum Insured Options: Coverage amounts from ₹5 lakhs to ₹1 crore.
- Policy Term Options: 1-year, 2-year, or 3-year terms. The sum insured is fixed per year, with no carry-over benefits for multi-year terms.
- Premium Payment Options: Monthly, quarterly, half-yearly, annual, biennial, or triennial.
2. Hospitalization and Associated Coverage
- Room Rent and Boarding: Covers private single A/C rooms and related expenses.
- ICU and Operation Theatre: Actual expenses covered without any specific limit.
- Surgeon, Anesthetist, and Specialist Fees: Covered as part of hospital treatment.
- Diagnostics and Medications: Covers anesthesia, blood, oxygen, operation theater, surgical appliances, drugs, dialysis, chemotherapy, and radiotherapy.
- Ambulance Expenses: Includes road ambulance expenses for medical transportation and air ambulance coverage up to ₹2.5 lakhs per hospitalization (maximum ₹5 lakhs per policy period).
- Pre-Hospitalization and Post-Hospitalization: Covers medical expenses 60 days before and up to 90 days after discharge.
3. Special Coverages
- Outpatient Medical Consultation: Covers outpatient consultations in network hospitals (limit of ₹300 per consultation).
- Domiciliary Hospitalization: Provides coverage if treatment is done at home due to the patient’s inability to be moved or lack of hospital rooms.
- Maternity and Newborn Benefits:
- Delivery Expenses: Covers normal and caesarean delivery costs after a 24-month waiting period.
- Newborn Coverage: Covers newborn care and vaccinations up to ₹1 lakh (or up to ₹2 lakh for higher sum insured levels).
- Outpatient Dental and Ophthalmic Treatment: Once every 3 years of continuous coverage for acute dental or eye conditions.
- Organ Donor Expenses: Covers hospitalization costs for organ donors, including additional coverage for donor complications.
- Hospital Cash Benefit: Daily cash benefit for up to 7 days per occurrence and 120 days per policy period.
4. Preventive and Wellness Benefits
- Health Check-Up: Offers a health check-up benefit after every claim-free year.
- Bariatric Surgery: Coverage up to ₹5 lakhs for obesity-related surgery after a 36-month waiting period.
- Second Medical Opinion: Provides a second opinion facility from networked doctors.
- AYUSH Coverage: Inpatient coverage for Ayurveda, Unani, Siddha, and Homeopathy in government or accredited facilities.
- Accidental Death and Disablement Cover: Coverage for accidental death and permanent disability.
5. Additional Benefits and Features
- Automatic Sum Insured Restoration: 100% restoration of the sum insured upon full exhaustion, available once per policy period.
- Cumulative Bonus: Up to 100% bonus on sum insured after claim-free years for higher coverage levels.
- Wellness Program: Rewards healthy lifestyle activities with wellness points, which can be redeemed for premium discounts (up to 10%).
- Buyback for Pre-Existing Diseases: Optional add-on to reduce the waiting period for pre-existing conditions from 36 to 12 months.
6. Exclusions and Waiting Periods
- Pre-Existing Conditions: 36-month waiting period, reducible to 12 months with buyback.
- Specified Conditions: Some conditions like cataract, hernia, and joint replacement have a 24-month waiting period.
- 30-Day Initial Waiting Period: No coverage for illness-related expenses within the first 30 days (except for accidents).
- Exclusions: Excludes cosmetic procedures, weight control surgery (unless medically necessary), injuries due to hazardous activities, and treatment for drug or alcohol abuse, among others.
7. Premium Payment Details and Discounts
- Premium Payment: Annual premiums can be paid in monthly, quarterly, or half-yearly installments, with a grace period for each.
- Long-Term Premium Payment Options: Biennial or triennial payment options with possible discounts for upfront payments.
- Discount for Wellness Points: Up to 10% discount on renewal premiums based on wellness points earned through healthy activities.
This policy aims to provide extensive coverage for various health-related expenses while encouraging a healthy lifestyle with wellness rewards.
- What is Star Comprehensive Health Insurance?
- Star Comprehensive is a health insurance plan by Star Health that offers extensive coverage, including hospitalization, maternity benefits, and wellness rewards.
- Does Star Health cover pre-existing diseases?
- Yes, Star Comprehensive covers pre-existing diseases after a 36-month waiting period, which can be reduced to 12 months with an add-on.
- What is the AYUSH benefit in Star Health Insurance?
- AYUSH benefit covers inpatient treatments under Ayurveda, Unani, Siddha, and Homeopathy in government-approved hospitals.
- What is the maternity benefit in Star Comprehensive Insurance?
- It covers both normal and caesarean deliveries, with a 24-month waiting period from policy inception.
- Does Star Comprehensive offer a no-claim bonus?
- Yes, policyholders earn a cumulative bonus that can double the sum insured after consecutive claim-free years.
- Is dental treatment covered in Star Health Insurance?
- Yes, outpatient dental treatment is covered once every three years of continuous coverage.
- What is the wellness program in Star Comprehensive?
- The wellness program rewards healthy behaviors, allowing policyholders to earn points that translate into premium discounts.
- How does the sum insured restoration benefit work?
- After the sum insured is exhausted, Star Comprehensive restores it by 100%, usable for future claims in the same policy period.
- Can I include a newborn in Star Comprehensive Insurance?
- Yes, newborns are covered with a maternity claim and can be added to the policy on renewal.
- What is the claim process for Star Health Insurance?
- Star Health has an in-house claim processing team, and policyholders can claim cashless treatment or opt for reimbursement in non-network hospitals.
Health Insurance, Star Comprehensive Plan, Medical Coverage, Wellness Benefits, Family Health Policy, Maternity Benefits, Pre-existing Condition Buyback, Hospitalization Coverage, Preventive Care, AYUSH Treatment
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