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Star Health

Star Health

Comprehensive

As the name suggests, Star Comprehensive policy is really comprehensive. They even cover dental complications subject to certain conditions. And if you have pre-existing diseases (like diabetes) you can ask them to start covering these illnesses after only one year - by paying a little extra of course. It’s called the PED Buyback rider. All in all, a great policy. Even if its slightly on the expensive side.

What's good here?

special mention
🎉Special Mention

Maternity benefits offered

The insurer will also cover expenses related to maternity— Think hospitalization expenses incurred while giving birth. But they’ll only pay between ₹15,000 to ₹1,00,000 depending on the cover amount chosen and make you wait 2 years before covering this expense. Also, you’ll get the benefits if both, you and your spouse are enrolled in a single-family floater plan or under individual plans of Star Comprehensive and have served the waiting period for maternity.

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coPay

You most likely don't have to split the bill

If you bought this policy after you turned 61, you have to pay 10% of the bill every time you make a claim. Otherwise, you are good to go. The insurer will pay all costs up to the sum insured.

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diseaseSublimit

You always have full cover irrespective of the disease

No funny business here. If your insurer hasn’t explicitly stated they won’t cover a certain illness, you can claim the full amount up to the sum insured, irrespective of the disease you’re dealing with. Meaning this policy doesn't impose the dreaded disease wise sub-limits.

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restoration

Good Restoration Benefit

Once you exhaust your entire cover, you will have 100% of the cover restored, so that you can use this benefit in the event you have to endure multiple hospitalizations.

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ncb

Special Bonus for being healthy and not claiming insurance

Your sum insured increases by 50% each year if you have a 5L cover and by 100% is you have a 7.5L or above cover, so long as you make no claims during this period. But before you get too ahead of yourself, do note that they’ll stop offering you the bonus when your sum insured increases by 100%. Also, the bonus amount will reduce at same rate each time you make a claim. But hey, it's still a bonus.

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domiciliary

Full coverage even if you are forced to hospitalize at home

The insurer will bear the costs even if you are hospitalized at home due to a condition or the hospital running out of beds. In insurance lingo, they call this a policy with domiciliary cover.

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roomRent

You can pick a Single Private room but nothing fancy

You can share a room or you could have a single room for yourself. But if you are looking for anything slightly fancy, be ready to foot a part of the bill.

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prePost

Pre & Post hospitalization expenses covered

No worries if the doctor had to run a host of diagnostic tests before or after hospitalizing you. The insurer has your back. They will cover this amount in full for a pretty reasonable duration - 60 days before you are hospitalized and 90 days after discharge. This includes the cost of medication by the way.

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dayCare

Day Care treatments covered

If you’re hospitalized for less than 24 hours in lieu of a minor procedure, then the insurer will cover these costs too. Think dialysis, chemotherapy or minor surgeries.

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healthCheckup

Free Health Checkups every year

If you’re planning on getting a full body checkup every year just to make sure you’re in fine working condition, the insurer will cover the costs.

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What's okay here?

ped

Reasonable waiting period for pre-existing diseases

If you’re already dealing with diabetes, cardiovascular problems or any such illnesses, the insurer will cover all costs arising out of these pre-existing problems after you wait for 3 years. However, it can be reduced to 1 year if an additional premium was paid.

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ayush

Some Cover for Alternative Medicine

Think of getting Ayurvedic, Homeopathic or other alternative treatments to cure an illness? Your insurer will pay from ₹15,000 to ₹30,000 depending on the cover amount chosen in case you’re availing these treatments.

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opd

Doctor consultations covered

In the event, you are feeling sick and you want to visit your family physician for a general checkup, the insurer will cover the costs, up to a certain limit. In this case, it’s from ₹1,200 to ₹5,000 annually based on the cover amount taken with a cap on each visit — ₹300 per consultation.

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Frequently Asked Questions

Yes. Comprehensive imposes 4 kinds of waiting periods -
  • 30-Day Waiting Period: Hospitalizations won’t be covered for the first 30 days of the policy unless it’s an accident.
  • Specific Illness Waiting Period: There’s a 2-year waiting period for a list of diseases which is a mandate before you can start claiming.
  • Pre-Existing Disease Waiting Period: There's a 3-year waiting period for any pre-existing disease you may have while buying the policy. You can also reduce the waiting period and bring it down to 1 year by paying extra over your premium. (Optional Cover)
  • Maternity and Newborn Waiting Period: There’s a 2-year waiting period before you can make claims related to pregnancy and childbirth.
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