Quick Overview
Two people buying the same Star Health Comprehensive Plan can end up paying very different amounts. That’s how health insurance premiums work. Your age, location, chosen coverage, and whether you're buying an individual plan or a family floater all change the amount you pay.
In this guide, we break down what the Star Health Comprehensive Plan premium chart shows, where to find the PDF, and how to estimate your premiums online.
What Does the Star Health Comprehensive Plan Premium Chart Show?
Age-Wise Premiums
The older you are, the higher your premium. The chart groups policyholders into age bands like 18-35, 36-45, 46-50, and so on. The jump between age bands, especially after 60, is significant. That is why it is suggested to start insurance early while you’re healthy and young.
Note: If you enter the plan at age 61 or above, a mandatory 10% copayment applies to each claim. This does not show up in the base premium chart but directly affects your out-of-pocket expenses at the time of claims.
Zone-Wise Premiums
Star Health prices its plans based on where you live. Cities with higher healthcare costs usually have higher premiums. The plan is divided into 5 zones.
For complete zone division, you can check the prospectus of the Star Health Comprehensive Plan.
Sum Insured-Wise Premiums
The Star Health Comprehensive Plan offers sum insured options from ₹5 lakh to ₹1 crore. Higher coverage means a higher premium, but the increase is not proportional. Going from ₹10 lakh to ₹20 lakh, for instance, does not double your premium.
Individual vs Family Floater Wise Premiums
The Comprehensive Plan is available on both an individual and a floater basis. In an individual plan, each person has their own sum insured and premium. In a family floater, everyone shares a single coverage.
How to Calculate the Star Health Comprehensive Plan Premium?
The Star Health comprehensive Insurance policy premium chart is published in the plan's prospectus and is available on the official Star Health website.
Star Health Comprehensive Plan Premium Chart PDF Download
- Go to www.starhealth.in.
- Navigate to the health insurance tab and choose Star Comprehensive health insurance.
- Scroll down and find the premium chart option.
- You can now see zone-wise premiums with all combinations available. Here’s a snippet provided for Zone A premiums.
- You can also check the premium table in the prospectus.
Note: Always check the premium charts from the official website. Third-party websites may carry outdated rates.
How to Calculate Star Health Comprehensive Plan Premiums Online?
- For a more accurate estimate, use the premium calculator on the official website under the resources tab.
- Enter the OTP and add basic details like members to be covered, date of birth, and medical condition, if any.
- Choose the sum insured and check the final premium.
Factors That Affect the Star Health Comprehensive Plan Premium
Age
Medical conditions are common for someone in the higher age bracket. Hence, premiums are also higher. Star Health may also ask you to undergo medical underwriting, through tests or tele-underwriting, depending on your age and medical history. This applies at the time of buying the policy.
Policy Structure
In a family floater, the premium is calculated based on the age of the oldest member. For families with a significant age gap between members, it often makes more sense to take a separate policy rather than include them in the floater. Under the family floater structure, the plan can cover up to 2 adults and 3 children.
Discounts
Star Health offers certain discounts that can reduce the overall premium. These include a long-term discount for buying a 2 or 3-year policy, a 5% renewal discount for policyholders with a low or no-claim history, and a wellness-based discount of up to 10% for completing health activities through the Star Health app. Long-term discounts are not available if you pay your premium in installments. This adds a loading of 2% to 4%, depending on the frequency, which increases your total cost.
Medical History and Underwriting
If any insured member has pre-existing conditions or lifestyle habits, the insurer may apply a loading after reviewing the application. The maximum loading per diagnosis is capped at 125% of the base premium, and the total loading for all conditions cannot exceed 200% per insured person.
Other Popular Star Health Plans With Their Premium Chart
If you are comparing Star Health plans, here is a quick look at how premiums differ across some of their popular options.
Note: These are base premiums for healthy individuals living in Delhi (Zone I) with a ₹25 lakh sum insured. The premiums mentioned are indicative and may change based on your age, city, health history, and selected add-ons like the limitless loyalty bonus and preventive health check-up.
Why Talk to Ditto for Health Insurance?
At Ditto, we’ve assisted over 8,00,000 customers with choosing the right insurance policy. Why customers like Pallavi below love us:
- No-Spam & No Salesmen
- Rated 4.9/5 on Google Reviews by 15,000+ happy customers
- Backed by Zerodha
- Dedicated Claim Support Team
- 100% Free Consultation
Confused about the right insurance? Speak to Ditto’s certified advisors for free, unbiased guidance. Book your call or chat on WhatsApp with us now!
Conclusion
The Star Health Comprehensive Plan premium chart gives you a useful starting point. But the base rate shown there may not be the final amount you pay. Your city, your age, any add-ons you choose, and the discounts you qualify for can all affect that number.
Start with the online calculator on the Star Health website to get a rough estimate. Keep in mind that your actual premium only becomes clear after the insurer reviews your application through underwriting. If you are comparing plans across insurers, check out our guide to the best health insurance plans in India.
Frequently Asked Questions
Last updated on:
