Star Comprehensive Insurance Policy
Star Health Insurance offers the Star Comprehensive Insurance Policy, designed to provide lifelong protection for individuals aged between 91 and 65 years. This policy provides a wide range of benefits, including coverage for all day care procedures, outpatient consultation, the inclusion of a newly married spouse and newborn baby, organ donor expenses, coverage for unexpected accidents, and other important medical interventions. All of these benefits are combined under a single sum insured, and the policy offers the option of lifelong renewal.
With the Star Comprehensive Insurance Policy, individuals can enjoy comprehensive coverage and peace of mind, knowing that their medical needs and those of their family members are well taken care of.
Benefits of Star Comprehensive Insurance Policy
The Star Comprehensive Insurance Policy offers various benefits:
- It covers hospitalisation expenses such as room charges, nursing costs, specialist fees, and medication costs.
- Pre-hospitalisation charges up to 60 days before hospitalisation and post-hospitalisation charges up to 90 days after discharge are included.
- AYUSH hospitalisation charges like Homoeopathy, Siddha, Ayurveda, and Unani are covered.
- Emergency road ambulance transportation expenses are included.
- Outpatient medical consultation expenses in network facilities can be claimed.
- Domiciliary hospitalisation benefits are provided.
- Accidental death and permanent total disability benefits are available.
- Dental and ophthalmic OPD treatments are covered once every 3 years.
- Hospital cash benefits are provided for a maximum of 7 days per hospitalisation.
- Coverage for delivery and newborn babies after a waiting period.
- Optional coverage for pre-existing diseases with additional premiums.
- Health Check-Up benefit for every claim-free year.
- Policies can be applied in individual or floater modes.
- Air Ambulance cover is included with specified limits.
The Star Comprehensive Health Insurance plan covers a wide range of medical expenses. Here’s what’s included in the policy:
- Post-hospitalization expenses for up to 90 days after discharge.
- Pre-hospitalization charges for up to 60 days prior to admission.
- Hospitalization expenses such as room charges, nursing costs, and specialist fees.
- AYUSH hospitalization expenses for treatments like Homeopathy, Ayurveda, Unani, and Siddha.
- Coverage for normal and cesarean delivery costs, newborn babies, and vaccination expenses.
- Emergency road ambulance transportation charges.
- Organ donor and air ambulance charges during emergencies.
- Domiciliary hospitalization charges.
- Health check-up expenses.
- Claims for accidental death and permanent total disabilities.
- Coverage for dental/ophthalmic OPD treatment once every 3 years.
- Bariatric surgery expenses after a 3-year waiting period.
- Reimbursement for a second medical opinion from the Star Health Insurance network of doctors.
- Hospital cash benefit for up to 7 days of hospitalization.
When it comes to the Star Comprehensive Health Insurance Plan, there are specific exclusions to take note of. Here’s a list of what is not covered under the plan:
- Costs associated with gender reassignment treatments.
- Treatments for obesity.
- Pre-existing conditions until the completion of the 3-year waiting period.
- Expenses related to injuries from hazardous or adventure sports.
- Costs of unproven treatments.
- Treatment expenses for infertility and sterility.
- Charges for venereal diseases and STDs (excluding HIV).
- Expenses related to nuclear weapon and war-related perils.
- Treatment costs for endocrine disorders.
When looking for the best comprehensive health insurance in India, there are several key factors to consider to make the right choice:
Claim Settlement Ratio: It’s important to go for a health insurance plan with a high claim settlement ratio as this reflects the insurer’s reliability in handling claims efficiently.
Network of Hospitals: Look for insurance providers with a wide network of hospitals in your area to ensure easy access to quality healthcare services.
Coverage Offered: Assess your healthcare needs to choose a plan that offers comprehensive coverage suitable for you.
Sum Insured: Make sure to analyze the sum insured provided by different plans to ensure it adequately covers your medical expenses.
Co-payment Clause: Be aware of plans with a co-payment clause where policyholders are required to pay a percentage of every claim.
Comparison of Plans: Research and compare various health insurance policies to find one that best fits your requirements in terms of benefits, sum insured, and add-ons.
Premiums: Consider the premium amount and deductibles associated with each plan, keeping in mind your age and budget.
Lifetime Renewability: Opt for plans that offer lifetime renewability to ensure continuous coverage as you age and may need more medical care.
Insurer Reviews and Ratings: Check the reputation and credibility of insurance companies through reviews and ratings before making a decision.
Claim Settlement Time: Look for insurers with a quick and reliable claim settlement process.
Cumulative Bonuses: Take advantage of cumulative bonuses for claim-free policy years to increase your sum insured at the time of renewal.
Higher Sub-limits: Choose plans with higher or no sub-limits for various expenses to minimize costs and possibly avoid co-payments or deductibles.
Policy Exclusions: Understand the exclusions and limitations of each policy before making a choice.
Pre-existing Ailments: Ensure all pre-existing ailments are disclosed and check for coverage and waiting periods for such conditions.
Family Floater Plans: Consider a family floater plan if you want to cover your entire family under a single policy rather than individual plans.
By considering these factors, you can make an informed decision when selecting a comprehensive health insurance plan in India.
As a Star Health Insurance Agent, I’m here to help you choose the right plan, explain all your benefits clearly, and walk you through the hassle-free enrollment process.
Call 7347595768 or Message me now to get a FREE quote and expert guidance!
Your health deserves nothing less than comprehensive care. Act today – secure your future with Star Health.
FAQ
The cost of comprehensive health insurance in India is based on many things like the age of the insured, the coverage type, and the insurance provider. Here are some of the factors that affect the comprehensive health insurance costs.
i) Age
The insured person’s age is one of the factors that determines the cost of health insurance. For example, a person in his/her 30’s year old ay pay around less, while a person above 60 may pay around higher per year.
ii) Plan Coverage
The type of coverage in your plan you select will affect the cost.
iii) Insurance Provider
The insurance provider you select will also affect the cost.
