Star Health Comprehensive Insurance

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Coverage Type
Coverage Amount
Date of Birth
    or age      years
Policy Duration:
Policy Start Date:
Policy End Date:
  • Benefits
  • Unique Benefits
  • Star Advantage

  • 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.
  • 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.
  • 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.
  • Ambulance charges for emergency transportation to hospital as per specified limits.


  • 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
  • Expenses incurred on hospitalization for bariatric surgical procedure and its complications thereof are payable subject to a maximum of Rs.2,50,000/- during the policy period.
  • This maximum limit of Rs.2,50,000/- is inclusive of pre-hospitalization and post hospitalization expenses.
  • Claim under this section shall be processed only on cashless basis.
  • Coverage under this section is subject to a waiting period of 36 months and payable only while the policy is in force.

Accidental Death and Permanent Total Disablement
  • Cover against Accidental Death
  • The person chosen by the Proposer at the time of payment of premium as mentioned in the schedule herein is covered for Personal Accident
  • The sum insured for this section is equal to the sum insured opted for the Health insurance.

Option for Second Medical Opinion
  • The Insured Person is given the facility of obtaining a Second Medical Opinion in electronic mode from a Doctor in the Company's network of Medical Practitioners
  • Medical records can be sent to the mail id

Automatic Restoration of Sum Insured (Applicable for Section 1 Only)
  • Upon exhaustion of Basic sum insured and the Bonus, sum insured will be automatically restored by 100% once policy period. Such restored Sum Insured can be utilized only for illness / disease unrelated to the illness / diseases for which claim/s was / were made.
  • Such restoration will be available for section 1 other than Section 1G.

  • Following a claim free year bonus at 50% of the basic sum insured (max.100%) would be allowed. Where there is a claim the Bonus would be reversed in the same order in which it was given.

  • No third Party Administrator, direct in-house claim settlement.
  • Faster & hassle-free claim settlement.
  • Cashless hospitalization wherever possible.
  • Network of more than 8200+ hospitals across India.
  • 24x7 Toll Free Helpline.
  • Information on health through free health magazine.
  • Facility for maintaining personal health records in electronic format.


Star Health Insurance

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