Star Comprehensive Insurance Policy

Any person between 5 months and 65 years age at the time of entry can take this insurance. This policy is on Floater basis. Family for the purpose of this policy means self,spouse and dependent children.

Policy benefits

Section 1: In-patient hospitalization expenses

Hospitalization Cover Protects the insured for in patient hospitalisation expenses for a minimum of 24hrs.These expenses include room rent,
nursing and boarding charges, Surgeon, Anaesthetist, Medical Practitioner, Consultants, Specialist Fees, Cost of Medicines and Drugs.
Ambulance charges for emergency transportation to hospital as per specified limits
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
101 Day-care treatments covered

Pre-Existing Diseases / Illness :

Are covered after 48 months of continuous Insurance without break with any Indian Insurance Company.

Section 2 : Delivery and New - Born Cover :

Expenses for Delivery - normal delivery or by caesarean section, including Pre-natal and Post natal expenses up-to the limits specified.
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
This benefit is available after 36 months of continuous coverage under this policy with Star.

Section 3: Out-Patient Dental, Opthalmic treatment:

Elective Dental / Ophthalmic treatments as an out-patient - once in a block of every three years irrespective of whether a claim is made or not.

Section 4: Hospital Cash:

Hospital cash benefit for each completed day of hospitalization.

Section 5: Health Check-up:

Cost of Health Check-up once after a block of every three claim-free years

Automatic Restoration of Sum Insured for Section 1 benefit only.

InIin the event of a claim, during the currency of the policy, if the entire sum insured is exhausted and ththe policy has not yet expired then the automatic restoration of Sum Insured will operate and the iniinsured will be restored to the original amount i.e. 100% only once. This restored sum insured can bbe utilized, during the remaining policy period, for any other illness / diseases unrelated to the ones for which claim/s has /have been made.

This policy can be taken by HIV positive persons - provided the CD 4 count at the time of entry is above 350 (proof to be produced). However, hospitalization for any opportunistic infections is not covered.

Bonus: Following the claim free year bonus calculated at 50% of the basic sum insured would be allowed subject to a maximum of 100% for sum insured option of Rs.5 Lac.For other sum insured options the bonus benefit is 100% of the basic sum insured. The bonus so granted will be reduced in the same order in which it was given following a claim. However the Basic sum insured shall not be reduced.

Pre- Acceptance medical screening: Persons above 50 years will be required to undergo pre-acceptance medical screening at the Company nominated centers. Cost of screening is currently borne by the company.

Tax Benefits

Amount paid by any mode other than by cash for this insurance is eligible for relief under Section 80D of the Income Tax Act.