Star Health & Allied Insurance Company is a standalone health insurance provider which has gained quite a reputation for itself in the health insurance industry. The company offers a range of health insurance plans which fulfil any type of coverage requires that you have. Star Comprehensive Insurance Policy is one such health insurance plan which is offered by Star Health. Let’s have a look at the different aspects of the plan in detail.

Overview of Star Comprehensive Insurance Policy

Star Health Comprehensive Plan is an indemnity based health insurance plan that covers the actual medical costs incurred on hospitalisation. The plan provides coverage on an individual or family floater basis to you as well as your family members. A range of sum insured and coverage benefits are offered by the plan which makes it a comprehensive policy, just like its name. 

Features of Star Comprehensive Insurance Policy

The salient features of Star Health Comprehensive Policy are as follows which make the plan unique –

  • You can pay the premiums in instalments which make the plan affordable 
  • No pre-entrance health check-ups are needed to buy the plan
  • If you get married or have a baby, the new family member can be included under the coverage of the plan even during the tenure
  • Free annual health check-ups are allowed by the plan up to specified limits
  • There are both inbuilt as well as optional covers offered by the plan so that you can avail an all-inclusive scope of coverage
  • You get the benefit of 100% restoration of the sum insured if the existing sum insured is exhausted on a previous claim in the same policy year
  • Wellness programs are also offered by the plan to promote healthy living and reward you for a healthy lifestyle 

Inclusions under Star Comprehensive Insurance Policy

Being a comprehensive plan, Star Comprehensive Health Insurance Policy provides a range of coverage benefits. These benefits are as follows –

Coverage benefits

Description 

Hospitalisation expenses

Expenses incurred on hospitalisation for 24 hours or more are covered. Such expenses include room rent, ICU room rent, surgeon’s fee, doctor’s fee, medical practitioner’s fee, treatment costs, medicines, blood, oxygen, etc. Coverage for inpatient hospitalisation is allowed up to the sum insured 

Road ambulance cost

Actual costs incurred on hiring an ambulance are covered

Air ambulance expenses

Expenses incurred in hiring an air ambulance would be covered up to INR 2.5 lakhs per hospitalisation 

Pre hospitalisation expenses

Expenses incurred for up to 60 days before hospitalisation are covered

Post hospitalisation expenses 

Expenses incurred for up to 90 days after being discharged from the hospital are covered 

Daycare treatments

The plan covers all daycare procedures that do not require you to be hospitalised for 24 hours or more

Outpatient consultations

Consultations incurred on an outpatient basis would be covered up to INR 300 per consultation

Domiciliary hospitalisation

Treatments taken at home would be covered up to the sum insured if such treatments exceed 3 continuous days

Delivery and newborn expenses

The plan covers the cost of normal or C-Section delivery, treatment of the newborn and vaccination expenses of the newborn for one year. The maternity coverage level depends on the sum insured selected. 

OPD Dental and Ophthalmic treatments

Treatments for the teeth or eye would be covered. Coverage ranges from INR 5000 to INR 15,000 depending on the sum insured selected

Organ donor expenses

Expenses incurred on harvesting an organ from a donor for transplant surgeries would be covered up to the sum insured

Hospital cash benefit

If you are hospitalised for 24 hours or more, a daily fixed cash benefit would be paid per day of hospitalisation. The benefit ranges from INR 500 to INR 2500 per day depending on the sum insured

Bariatric surgery

Costs incurred on undergoing bariatric surgeries are covered under the plan. The limit of coverage is INR 2.5 lakhs or INR 5 lakhs depending on the sum insured selected

Second medical opinion

You have the option of availing a second medical opinion from the company’s expert doctors free of cost

AYUSH treatments

Non-allopathic AYUSH treatments are also covered under the plan. Coverage ranges from INR 15,000 to INR 30,000 depending on the sum insured 

Accidental death and permanent total disablement

You are covered against accidental death and total permanent disability due to an accident. A lump sum benefit is paid in these cases depending on the sum insured 

Modern treatments

Modern and advanced treatments are covered by the plan subject to specified limits

Cumulative bonus

50% or 100% of the sum insured is increased after a claim-free year under the plan depending on the sum insured selected

Moreover, there is an additional optional coverage called the Buy-back of Pre-existing Diseases. Under this benefit, you can reduce the pre-existing waiting period from 36 months to 12 months by paying an additional premium.

Exclusions under Star Comprehensive Insurance Policy

Star Comprehensive Health Insurance plan does not cover the following types of claims, treatments or medical expenses –

  • Pre-existing conditions within the first 36 months of buying the plan
  • Specified illnesses within the first 24 months of buying the plan
  • Illnesses suffered within 30 days of buying the policy
  • Cost of investigation and evaluation
  • Cost of rest, rehabilitation, obesity and weight control
  • Cosmetic treatments and gender change surgeries
  • Claims due to acts of criminal nature, self-inflicted injuries, participation in hazardous sports and unproven treatments
  • Venereal and sexually transmitted diseases
  • Claims due to war and nuclear perils
  • Eligibility criteria of Star Comprehensive Insurance Policy

    Entry age 

    3 months to 65 years

    Type of policy

    Indemnity health plan

    Basis of coverage 

    Individual or family floater

    Members covered

    Up to two adults and three dependent children

    Sum insured 

    INR 5 lakhs to INR 1 crore

    Policy tenure

    1, 2 or 3 years

    Premium paying frequency

    Once, in a lump sum for the entire policy tenure

    Or

    Monthly, quarterly or half-yearly

How to buy Star Comprehensive Insurance Policy

Buying Star Health Comprehensive Insurance is easy as you can buy the policy online either from the website of the company itself or from Turtlemint. Turtlemint is an online website which allows you to buy Star Health Comprehensive Plan online from its website in some simple steps. Here are the steps through which you can buy the plan from Turtlemint’s platform –

  • Visit https://www.turtlemint.com/health-insurance/ and select ‘Buy new policy’
  • Specify your gender, members to be covered, age of the members, whether you are planning a child or not and whether any member suffers from a disease
  • Enter in your PIN code to check the nearest network hospitals and also your income level
  • Provide your contact information so that Turtlemint’s executive can get in touch with you and help you in choosing the right plan
  • You would, then, be shown the quotes of the best health insurance plans. You can compare the available plans and select one as per your needs

Documents required for buying Star Comprehensive Insurance Policy

To buy Star Health Comprehensive Policy you would have to submit the following documents –

  • Recent coloured photographs
  • Duly filled in the proposal form
  • Identity proof
  • Age proof
  • Address proof
  • Medical check-up reports, if needed

However, when you buy online through Turtlemint, you can buy the policy online without elaborate paperwork.

How to renew Star Comprehensive Insurance Policy

Renewal of your Star Health Comprehensive Insurance plan can also be done online. You can visit Star Health Instant Renewal and enter your policy number and date of birth. Click on ‘Renew Now’ to renew the policy online instantly.

Alternatively, if you have bought the policy from Turtlemint, you can log into your online Turtlemint account and renew the plan from there itself. You just have to pay the renewal premium online and the policy would be instantly renewed.

Claim process of Star Comprehensive Insurance Policy

Claims under your Star Health Comprehensive Plan can be settled on a cashless or a reimbursement basis depending on which hospital you take treatments in. If it is a networked hospital, the claim would be settled on a cashless basis and if it is a non-networked hospital, the claim would be settled through reimbursement. The claim process is as follows –

  • Cashless claims
    • Inform the insurance company immediately of your claim either by calling it at 1800 425 2255 / 1800 102 4477 or by sending an email at support@starthealth.com
    • Fill up the pre-authorization form and submit it at the insurance desk in the hospital. The form should be submitted a few days before planned hospitalisation or within 24 hours of an emergency hospitalisation
    • Show your health card at the hospital for cashless claims
    • Star Health would approve your claim based on the pre-authorization claim form and you can avail cashless treatments
    • After being discharged, submit the claim form and other medical documents and get your claims settled
  • Reimbursement claims
    • Inform Star Health of your claim within 15 days of your hospitalisation
    • Avail the necessary treatments and pay the medical bills yourself
    • After being discharged, fill up and submit the claim form within 15 days from the discharge date
    • The company would verify your documents and process your claim. Thereafter, you would be reimbursed for the medical costs incurred

You can also take Turtlemint’s help for claim settlement. Just call Turtlemint at 1800 266 0101 or send in a mail at support@turtlemint.com. Turtlemint would, then, follow the claim process on your behalf and get your health insurance claims settled at the earliest.

Review of Star Comprehensive Insurance Policy

Star Health Comprehensive Plan is true to its name. It provides a comprehensive scope of coverage to your entire family and is ideal for your health insurance needs. The sum insured levels are optimal if you are looking to avail high coverage and the facility of instalment premiums makes the plan affordable. Lastly, the optional cover of reducing the pre-existing waiting period makes the plan suitable even when you or any family member is suffering from any pre-existing condition. So, buy Star Health Comprehensive Policy for all-round coverage.


FAQ’s

Star Comprehensive Health Insurance plan allows you to earn wellness points if you practice a healthy lifestyle, like eating a balanced meal, exercising regularly, etc. These points can be accumulated within a policy year to claim premium discounts on renewal. You can claim discounts ranging from 2% to 10% depending on the wellness points earned.


Yes, if the insured member is aged 61 years and above, a co-payment ratio of 10% would be applicable to every claim. This means that you would have to pay 10% of the claim amount every time such an insured member makes a claim on the plan.


Yes, porting is allowed under health insurance plans. You should inform Star Health of your porting at least 45 days before the renewal date of your existing policy. Then you would be able to port your policy to Star Health Comprehensive Insurance policy.


The documents needed for making a successful claim in your policy are as follows –

  • Health card
  • Consultation papers issued by the doctor
  • The discharge summary from the hospital
  • Medical bills in original
  • All investigative reports in original 
  • All hospital records
  • KYTC documents if your claim amount is more than INR 1 lakh
  • The claim form, filled and signed
  • Original prescription issued by the doctor
  • NEFT and KYC details for reimbursement claims
  • Medico-legal certificate or FIR in case of accidental hospitalisation

Yes, the premium paid for Star Health Comprehensive Plan is allowed as a deduction from your taxable income. You can claim a deduction of up to INR 25, 000 on a plan covering yourself and your family. If you are aged 60 years and above, the limit would increase to INR 50, 000. If you buy another policy for your dependent parents, you can claim an additional deduction of up to INR 50, 000