Star Comprehensive Plan: Personal Accidental Covered

Why Choose Star Comprehensive Plan

As a standalone health insurance provider, Star Health & Allied Insurance Company has gained quite a reputation. There are a range of health insurance plans available from the company that will meet any coverage needs you may have. A health insurance plan offered by Star Health is the Star Comprehensive Insurance Policy. A comprehensive health insurance plan from Star Health covers the actual medical costs incurred during hospitalization. Individuals and families can enroll in the plan on a floater basis. As its name implies, the plan offers a wide range of sum insured and coverage benefits.

Features of The Star Comprehensive Plan

This plan is distinguished by the following salient features:

Instalment plans make the plan more affordable by allowing you to pay premiums over time
For the purchase of the plan, there is no need for a pre-entrance health checkup
It is possible to include a new family member under the plan even if you get married or have a baby during your tenure as a member
Up to specified limits, the plan provides free annual health checks
In addition to inbuilt coverage, the plan also offers optional coverage options, so you can get all-inclusive coverage
When a previous claim in the same policy year exhausts the existing sum insured, you get 100% restoration
You can also take advantage of wellness programs through the plan to promote healthy living and reward yourself for doing so.

Inclusions of Star Comprehensive Plan

Charges for hospitalization - All hospitalization costs incurred for a period of 24 hours or more are covered. There are many expenses associated with medical care, such as room rent, ICU room rent, surgeon's fees, doctors' fees, medical practitioners' fees, treatment costs, medicines, blood, oxygen, etc. The sum insured covers inpatient hospitalization
Cost of a road ambulance - An ambulance is covered for the actual costs incurred
The cost of air ambulances - The hospitalization costs associated with hiring an air ambulance will be covered up to INR 2.5 lakhs
Costs associated with pre-hospitalization - Hospitalisation-related expenses are covered for up to 60 days before hospitalization
Expenses after hospitalization -After being discharged from the hospital, expenses up to 90 days later are covered
Treatments for daycare - There is no need to be hospitalized for 24 hours or more with the plan since it covers all daycare procedures
Consultations with outpatients - A maximum of INR 300 per consultation will be covered for outpatient consultations
Hospitalization at home - Treatments taken at home would be covered up to the sum insured if the treatment lasts longer than three consecutive days
Costs associated with delivery and newborn care - In addition to normal or C-section delivery, the plan covers the newborn's treatment and vaccination expenses for a year following birth. Depending on the sum insured, maternity coverage varies.
Treatments provided in the OPD for dentistry and ophthalmology - Treatment for teeth or eyes would be covered. Depending on the sum insured, the coverage ranges from INR 5000 to INR 15,000
Donor expenses for organs - Expenses associated with harvesting an organ from a donor for transplant surgeries would be covered up to the insured amount
Benefits from hospital cash - An individual hospitalized for 24 hours or more is entitled to a daily fixed cash benefit. Depending on the sum insured, the benefit ranges from INR 500 to INR 2500 per day
Surgery for bariatric - With this plan, you will be covered for the costs associated with bariatric surgery. You can choose between INR 2.5 lakhs and INR 5 lakhs in terms of the limit of coverage
Medical second opinion - It is possible to obtain a second medical opinion free of charge from the company's expert doctors
Treatments based on AYUSH - In addition to allopathic treatments, this plan also covers AYUSH treatments. There is a range of coverage from INR 15,000 to INR 30,000 based on the sum insured
Injuries that result in death or permanent disability - An accident can result in the loss of life or permanent total disability. In these cases, a lump sum benefit is paid, depending on the amount insured
Treatments of the modern age - Treatments that are modern and advanced are covered by the plan, subject to certain limitations
Bonuses cumulative - If the sum insured has not been claimed for a year, it is increased by 50% or 100% under the plan, depending on the selection of the sum insured

Exclusions of Star Comprehensive Plan

Claim types, treatments or medical expenses not covered by Star Comprehensive Health Insurance include:

The plan must cover pre-existing conditions within the first 36 months of purchase
During the first 24 months following the purchase of the policy, specific illnesses will be covered
Within 30 days of purchasing the policy, you suffered an illness
Investigations and evaluations cost
Obesity, weight control, and rehabilitation costs
Surgery for gender change and cosmetic treatments
A claim arising from crime, self-inflicted injury, participation in hazardous sports, or the use of unproven treatments
Diseases transmitted through venereal contact and sexual contact
Claims due to war and nuclear perils

FAQ

The policy offers a wellness program, what is it?

By practicing a healthy lifestyle, such as eating a balanced diet and exercising regularly, you can earn wellness points under the Star Comprehensive Health Insurance plan. A policy year's worth of points can be accumulated to qualify for premium discounts at renewal. Depending on your wellness points earned, you can claim discounts ranging from 2% to 10%.

Are there any co-payments in the plan?

A 10% co-payment ratio would apply to all claims if the insured member is 61 years old or older. Each time such an insured member makes a claim on the plan, you would be responsible for paying 10% of the claim amount.

Do you offer portability for existing policies?

In health insurance plans, porting is allowed. It is highly recommended that you notify Star Health of your decision to port at least 45 days before your existing policy's renewal date. Your policy can be ported to Star Health Comprehensive Insurance.

How do I make a claim? What documents do I need?

Your policy requires the following documents in order to make a successful claim:

Card for health care
Documents issued by the doctor in consultation
An Overview of the hospital discharge
Original medical bills
Original reports of all investigations
Records from all hospitals
For claims exceeding INR 1 lakh, KYTC documentation is required
Signed and completed claim form
Doctor's original prescription
Reimbursement claim NEFT and KYC details
In case of accidental hospitalization, a medico-legal certificate or a police report should be obtained

Is the policy tax deductible?

A deduction for Star Health Comprehensive Plan premiums is allowed from your taxable income. A family plan that covers you and your family can be deducted up to INR 25, 000. The limit increases to INR 50, 000 if you are over 60 years old. A deduction of up to INR 50, 000 can be claimed if you purchase another policy for your dependent parents.