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*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
In everyone's life, health, out of all things, deserves optimum importance. Getting a Star Comprehensive Insurance Policy will ensure a secure present and future for the potential policyholder. At the time of adversities, Star Comprehensive Insurance Policy assures the stability of the monetary aspect and peace of mind to its customers.
Established in the year 2006, Star Health and Allied Insurance Company incorporates vital policies covering Mediclaim, Personal Accident and Health Plans. Star Health has a large network of more than 9300 plus hospitals Pan India, with over 450 branches in the country and approval of 90% cashless claims within 2 hours.
Star Comprehensive Insurance Policy contributes to a host of coverages, with the commitment of never compromising on healthcare and provides a hassle-free claim settlement procedure- whether it is cashless or reimbursement. In case of any medical emergency, ailment or a need for hospitalisation, Star Health Insurance has exclusive benefits and features to offer and further supporting the individual in the financial burden he may have to carry because of the same.
Star Comprehensive Health Insurance Policy comes with the following features and benefits:
Star Comprehensive Insurance comes with a huge list of inclusions, which means a comprehensive coverage is offered. The policy offers insurance coverage for the following:
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Hospitalization expenses |
All expenses incurred on hospitalisation with a mandatory in-house hospitalisation of 24 hours minimum
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Other Inclusions |
Hospitalisation expenses including room rent and boarding charges of a single standard AC room, fees of the surgeon, specialist and medical practitioner, nursing charges, pharmacy, drugs and medicines expenses etc.
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Pre-hospitalization expenses |
Maximum 30 days which includes expenses incurred before the actual hospitalisation of the policyholder |
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Post-hospitalization expenses |
Maximum 60 days which includes expenses incurred after the discharge of the policyholder from the hospital |
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Limit of Pre and Post Hospitalisation |
Pre-hospitalization and post-hospitalization – up to Rs 2.5 lakh as per the policy terms |
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Emergency ambulance charges |
Included |
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Air Ambulance cover |
Under a Health Insurance policy which has a Sum Insured of Rs 7.5 lakh and above, air ambulance cover is included with a limit of 10% of the total Sum Insured in a policy period |
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Co-payment |
Claims can include 10% of co-payment made by the policyholder
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Minimum and Maximum Age Limit |
According to the policy, the minimum age limit to purchase the policy should be less than 65 years and there is no upper age limit for any renewals done thereafter.
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Consultation charges for Out-patient apart from dental and ophthalmologist consultations |
Up to a certain limit as specified in the terms and conditions |
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Domiciliary hospitalization |
Coverage provided if more than three days
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Tax Benefits |
Exemption in taxes on the total premium paid towards the policy under section 80D of the ITA.
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Free Look period |
15-days so that the policyholder can review his policy and if he is not satisfied with the policy, it can be cancelled with a total refund of premium paid.
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Maternity Expenses |
With a waiting period of 36 months under the Star Comprehensive Insurance Policy, Pre-natal charges and post-natal expenses are covered along with the delivery expenses as calculated under the policy conditions.
New-born baby expense cover will be taking care through the Star Comprehensive Insurance Policy up to 1000 rupees
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Treatment of Dental and OPD |
After 3 years of maintaining the policy continuously irrespective of whether a claim has been made or not |
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Hospital Cash Benefit |
Provided for each day at the hospital |
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Permanent Disability and Accidental Death Cover |
The Star Comprehensive Insurance Policy provides the coverage of accidental death in which the compensation is equal to the sum insured amount |
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Bariatric Surgery Cover |
The Insurance Policy takes care of the hospitalization expenses of bariatric procedures and complications related to it with a maximum limit of Rs 2.5 lakh in accordance with the policy term
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Waiting Period |
A waiting period of 36 months exists to claim compensation |
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Second Medical Opinion Cover |
There is a panel of medical experts available from which the policyholder can approach one of the listed doctors for a second opinion in case of medical emergencies
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No-claim-Bonus |
A No Claim Bonus of 50% to 100% can be gained if no claim has been filed in a policy period. In case a claim is made, then the accrued No claim bonus can be reversed |
Although Star Comprehensive Insurance Policy covers a wide array of medical expenses but also has a few exclusions like:
Anyone who is between the age group of 18 years to 65 years is eligible to purchase the health insurance policy. The minimum and maximum age limit for the dependent children is three months to 25 years. In case of renewals, there is no age limit considered. This policy is available for both individual plans and as family floaters wherein a family would include the policyholder himself, his spouse and dependent children.
In case of any medical contingency, the policyholder must immediately start with the claim process to cater to the financial needs.
The Claim Process contains the following steps and actions:
Step 1 - Claims to be filled and intimated within 24 hours of hospitalisation.
Step 2 - The policyholder needs to intimate the insurance company within the prescribed limits to start with the claim procedure.
Step 3 - After the insured has notified the insurance company about the hospitalisation and produced the policy number, he/she will receive the claim form, which needs to be properly filled up. The Policyholder needs to furnish his/her Star Health ID card at the time of entry.
Step 4 - A pre-authorization document needs to be filled along with an authorisation from the panel of doctors and specialists and their reports which confirm the treatment that is undertaken by the insured.
Step 5 - The insurer will verify the details as submitted by the network hospital or the insured.
Step 6 - After the completion of the medical treatment, the insured must submit a reimbursement claim along with all necessary documents and bills to the insurance company. After discharge from the hospital, the claim documents must be submitted within 30 days.
Step 7 - After the appropriate verification and approval of the documents submitted by the insured, the insurer can either accept or reject the claim.
Step 8 - Cashless hospitalisation is available at all the network hospitals as specified by the insurance company. Treatment at both network and non-network hospitals is eligible for a reimbursement of hospitalisation expenses.
Documents that ought to be kept in hand while filing for the claim are:
Cashless claims are normally settled in two hours, hence saving a lot of hassle. Also, Star Comprehensive Insurance Policy offers a direct and a customer-friendly claim settlement process which is done without the support of a third-party representative. This makes the entire process of settling claims hassle-free and seamless.
The following documents are important and should be kept handy while purchasing the Star Comprehensive Insurance Policy.
Buying a Star Comprehensive Insurance Policy is quite simple and merely a four-step procedure if someone is buying online. One can buy the policy from Paisawiki.com as well. The steps are as follows:
Step 1: Visit the official website at www.paisawiki.com enter the personal details and choose the most favourable Plan Option
Step 2: Then the specifications and coverages of the policy should be selected
Step 3: Policy Term needs to be selected which can be customised as per individual needs
Step 4: The premium quote will be generated after which the applicant must fill the available form appropriately entering the correct personal, professional and medical information and finally make the required payment.
After the verification and acceptance of the entered details, and receipt of the premium, a soft copy of the policy will be immediately generated and mailed to the applicant.
Again, for renewing the policy, one can visit Paisawiki website. The renewal process of Star Comprehensive Insurance Policy can be categorised as below:
Payment towards renewal of the policy can be made using online or mobile banking, or by using debit or credit card.
To process a renewal online, the policyholder must login or create his individual credentials on the official website. After logging in he should click on ‘'Renew Policy' and make the payment of the required premium.
This can be done by clicking upon the 'Renewal Premium Payment' tab on the hope page of the website. The insured also needs to submit the registered email id, date of birth, policy number and other vital details after which the digital receipt or the acknowledgment slip of the premium payment made by the policyholder will be issued and emailed to him. If he/she has chosen the advance premium payment option, in this case the adjustment of the due date of the premium will be done first, after which the receipt of the renewal will be generated.
