Star Comprehensive Health Insurance Policy

The Star Comprehensive Insurance policy is a health indemnity plan with multiple benefits for the policyholders. The policy provides cover for inpatient treatment, domiciliary hospitalization and day care treatments.

Major Benefits

Restore Benefit:

The plan comes with a restore benefit which adds 100% benefit amount equal to the sum insured during the policy period. This additional amount can be utilized only after the base sum insured has been exhausted. The restored amount does not compensate for any illness for which the base sum insured has been already utilized. This is in marked contrast to Optima Restore (AMHI) which allows for partial claims. And the restored amount can be used for earlier illnesses also.

Accidental Death/ Permanent Total Disability

Star comprehensive has this wonderful inbuilt feature where amount equal to the sum insured is given to the insured/nominee in case of AD/PTD. No additional premium is required to be paid for this benefit.

Bonus

For sum insured up to Rs.5 lakhs, the bonus is 50% for a claim free year and 100 for sum insured above 5 lakhs. This would certainly rank as the best bonus policy in the health insurance market. Compare this to National Medical Plus policy where the bonus increases by a paltry 5% claim free year up to a maximum of 50% in 10 years.

Bariatric Surgery

Star Comprehensive covers bariatric surgery which very few plans do. There is a waiting period of 3 years and there are conditions attached. Nonetheless, it is positive in this policy.

Other Benefits:

Maternity Benefit: normal delivery is between 10 k to 25 k while for cesarean it ranges between 15 k to 40k.

Cover for new born ranges from 50 k to 1 lakh.

Both these benefits have a waiting period of 36 months.

Outpatient consultation ranges from Rs.1200 to Rs.3300 per policy year subject to a maximum of Rs.300 per consultation.

Air ambulance, general ambulance, preventive health checkups, hospital daily cash are other features of this plan.

Not Covered

This plan does not cover Ayush treatment. There is no provision for organ donor expenses. There is no app. which rewards policyholders to stay healthy like in Optima Restore or Aditya Birla Assure Diamond plans.

Exclusions:

There is a 30 day waiting period for all illnesses except accident, 24 month for specified diseases and 48 months for pre-existing diseases.

Premium Chart (sum insured Rs.5 lakhs)

Family  Size/Age	3m-35	36-45	46-50	51-55	56-60	61-65	66-70	71-75	>75
1A	7015	8075	13200	16100	18700	25750	35315	41410	54235
1A+1C	9180	10120	14240	16190	19700	31420	39280	51070	66400
1A+2C	10950	12020	19480	20510	23580	36990	46240	60120	78160
1A+3C	15590	17060	23460	26900	30270	41360	51700	67210	87380
2A	10420	12120	22400	23640	28560	38800	48500	63050	81970
2A+1C	13170	14340	23540	25810	31070	49800	62250	80930	105210
2A+2C	14800	16410	25390	28170	33330	53400	66750	86780	112820
2A+3C	17000	19150	28510	31200	36430	56000	70000	91000	118300