Star Comprehensive Insurance Policy Eligibility

• Min Child age: 5 months
• Max adult age: 65yrs
• Max child age: 25yrs
• Members covered: Individual and family plan. You can avail this policy for maximum combination of 2A3C
• Policy Period: Policy available for 1yr
• Policy Available for: Sum Insured Rs.5L-25L

Star Comprehensive Insurance Policy Benefits

• Co-Payment: 10% of each and every claim for persons above 60 years at entry level and their subsequent renewals.
• Pre-Acceptance Medical Screening: Persons above 50 years will be required to undergo pre-acceptance medical screening at the Company nominated centers. Cost of screening is currently borne by the company.
• Network Hospitals: Network of more than 6000 hospitals across India.

Star Comprehensive Insurance Policy Features

• Hospitalization cover protects the insured for in patient hospitalization expenses for a minimum period of 24 hrs. These expenses include room rent (Single Standard A/C room), nursing and boarding charges, Surgeon, Anesthetist, Medical Practitioner, Consultants, Specialist fees, Cost of Medicines and Drugs.
• Ambulance charges for emergency transportation to hospital as per specified limits.
• Air Ambulance Benefit: Permitted up to 10% of the Sum Insured opted, during one policy period, applicable for sum insured of Rs.7.5 lakhs and above only.
• Pre hospitalization expenses up to 30 days prior to admission in the hospital
• Post hospitalization expenses up to 60 days after discharge from the hospital
• Out-patient consultation (other than dental and ophthal) expenses up to limits mentioned in the table of benefits
• Coverage for Domiciliary hospitalization for a period exceeding three days.
• Expenses for Delivery - including Pre-natal and Post natal expenses up-to the limits specified. A waiting period of 36 months of continuous coverage under this policy with Star will apply.
• Automatic coverage for the New Born (including internal and external congenital problems) up to the expiry of the current policy (On renewal this new born baby should be covered specifically)
• Vaccination expenses for the New Born upto Rs.1000/- payable.
• Outpatient Dental, Ophthalmic treatment - Dental / Ophthalmic treatments as an out-patient - once in a block of every three years irrespective of whether a claim is made or not.
• Hospital Cash - Hospital cash benefit for each completed day of hospitalization.
• Health Check up - Cost of Health Check-up once after a block of every three claim-free years.
• Bariatric Surgery.
• Accidental Death and Permanent Total Disablement.
• Option for Second Medical Opinion

Star Comprehensive Insurance Policy Claim Process

When the member of the covered family is aware of the hospitalisation in advance.In case of planned hospitalisation:

• Please contact the toll-free help line: 1800 425 2255
• Fax the Pre-Authorization form duly filled from the hospital at the below numbers
• Toll-free: 1800 425 5522
• Non Toll-free: 044 28302200
• Please carry your ID card and policy schedule.

Emergency:When the Insured meets with an accident or suffers from bout of illness that requires immediate admission to the hospital.

• After the patient is rushed to the hospital and avails treatment.
• Family to contact the toll free help line - 1800 425 2255 and Fax the Pre-Authorization form duly filled from the hospital at the below numbers within 24 hours of admission.
• Toll-free:1800 425 5522
• Non Toll-free: 044 28302200

When the Insured gives prior intimation about the treatment and the insured pays the expenses himself with the hospital and then claims for a reimbursement of those expenses.

Star Comprehensive Insurance Policy Exclusions

• Any illness diagnosed within 30 days of inception of policy is not covered, however accidental injuries will be covered.
• Expenses for delivery of child within 36 months of continuous coverage from date of commencement of policy.
• There is 1 year waiting period for- Benign Prostrate, hypertrophy, hernia, hydrocele and related disorders.
• There is 2 year waiting period for particular diseases like cataract, joint replacement etc.
• Pre existing diseases will be covered after 4 years of continuous coverage.
• Experimental treatments which are used for discovering cause of problem.
• Cosmetic treatments or plastic surgery.
• Naturopathy treatment.