By Star Health and Allied Insurance Co. Ltd.
Indicative premium for a family of 4 with ₹10 Lakh cover. Actual premium varies by age, city, and cover amount.
What makes Star Comprehensive the go-to choice for complete family coverage
No TPA involved. Claims are processed directly by Star Health, resulting in faster approvals and direct accountability.
Accidental death and permanent total disability cover up to the sum insured is bundled at no extra premium.
New-born babies are covered from the very first day of birth, including congenital conditions and neonatal care.
All IRDAI-listed day-care procedures covered without the need for 24-hour hospitalisation.
Treatment at home for conditions where hospitalisation is not feasible is covered, subject to doctor recommendation.
Non-resident Indians can purchase and maintain this policy, with coverage valid during visits to India.
Any room category can be chosen without proportionate deductions on the associated hospitalisation expenses.
For every claim-free year, the sum insured increases. The NCB can accumulate up to 100% of the base sum insured.
A comprehensive look at inclusions and exclusions under Star Comprehensive
| Coverage Feature | Details | Status |
|---|---|---|
| In-patient Hospitalisation | All hospitalisation above 24 hours | Fully Covered |
| Pre-hospitalisation | 60 days before admission | Covered |
| Post-hospitalisation | 90 days after discharge | Covered |
| Day-care Procedures | All IRDAI-listed procedures | Fully Covered |
| Room Rent | No cap on room category | No Sub-limit |
| ICU Charges | No sub-limit applicable | No Sub-limit |
| Road Ambulance | Per hospitalisation event | Covered |
| Air Ambulance | Available on higher sum insured options | Conditional |
| Domiciliary Hospitalisation | Minimum 3-day at-home treatment | Covered |
| Personal Accident Cover | Accidental death and PTD, built-in | Built-in |
| New-born Cover | From Day 1, including congenital conditions | Day 1 Cover |
| Organ Donor Expenses | Medical expenses of the donor | Covered |
| NRI Coverage | Valid for NRIs during India visits | Covered |
| AYUSH Treatments | At recognised AYUSH hospitals | Covered |
| Modern Treatments | As per IRDAI guidelines | Covered |
| Mental Health | In-patient psychiatric treatment | Covered |
| No Claim Bonus | Accumulates up to 100% of base SI | Up to 100% |
| Claim Settlement | In-house, no TPA | In-house |
| Pre-existing Diseases | After 4-year waiting period | 4-yr Wait |
| Cosmetic Surgery | Unless due to an accident or disease | Not Covered |
| International Treatment | Not applicable under standard plan | Not Covered |
Profiles that are best matched to this plan
The Day 1 new-born cover is exceptional. Families who recently had or are expecting a baby avoid the waiting period issue that affects most plans.
Policyholders who want to deal directly with the insurer rather than a TPA will appreciate Star's in-house processing model and faster resolutions.
NRIs who visit India regularly and want comprehensive health coverage during their stay can maintain this policy from abroad.
Getting personal accident cover bundled with health insurance at no extra cost represents strong value for working professionals and frequent travellers.
An honest assessment of Star Comprehensive
Common queries about Star Comprehensive health insurance
Our IRDAI-licensed advisors provide free, unbiased plan comparisons tailored to your health history and budget.
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