Star Comprehensive: Exhaustive health cover for your family

The importance of high quality medical care for serious illnesses cannot be over-emphasized. Fortunately, now we have very high quality medical facilities in many cities across the length and breadth of our country. However, with the introduction of cutting edge medical procedures and advanced technology in our country, the cost of healthcare has sky-rocketed. A serious illness can put a deep hole in your pocket and even cause financial distress. Hence, health insurance cover is a critical need for all families.

Star Comprehensive Insurance Policy is a complete solution for the healthcare needs of your family and will do most of heavy lifting of your financial burden, should you or any member of your family, for any unfortunate reason, is diagnosed with a serious illness for which you or your family member need to be hospitalized for round the clock medical care and complete recovery back to a healthy life. Unlike several other health insurance or mediclaim plans, Star Comprehensive Insurance Policy has very wide eligibility criteria.

Who are covered in this policy?

This policy is not just suitable for you, your spouse and children, but your aged parents can also be covered in this policy.

• Entry age between 3 months and 65 years
• Lifelong renewals guaranteed
• No exit age
• Dependent children (those who are economically dependent on their parents) can be covered up to 25 years of age

What is covered in this policy?

• Pre-Hospitalization expenses upto 30 days prior to admission in the hospital
• All expenses during your stay in the hospital
• Post-Hospitalization expenses up to 60 days after your discharge from the hospital
• 405 day care procedures are covered (for more details please contact with your Eastern Financier insurance advisor)
• Expenses for out-patient (not requiring hospital admission) procedures for acute dental (natural tooth / teeth) and ophthalmic (eye) treatment are covered once in every block of 3 years of continuous coverage
• Expenses on Medical Consultations as an out-patient incurred in network hospitals (to know more about network hospitals in your city under this policy, please contact your Eastern Financier insurance advisor) for other than Dental and Ophthalmic, upto the limits mentioned in the policy schedule
• Health check-up benefit is payable for a block of every 3 claim free years subject to the limits stated in the policy schedule.

Hospitalization expenses covered in this policy

• Single occupancy standard air-conditioned room, boarding and nursing expenses incurred during your stay in the hospital
• Surgeon's fees, Consultant's fees, Anaesthetist’s and Specialist's fees
• Anaesthesia, Blood, Oxygen, Operation Theatre charges, Cost of Pacemakers
• Cost of air-ambulance up to 10% of the sum insured per policy period will be covered in this policy. The benefit is applicable for sum insured of Rs. 7.50 Lakhs and above only
• Emergency ambulance charges for transporting the insured patient to the hospital up to the limits stated in your policy schedule
• Several other treatments / expenses are covered including
• Coverage for medical treatment for a period exceeding three days, for an illness/disease/injury, which in the normal course, would require care and treatment at a Hospital, but on the advice of the attending Medical Practitioner, is taken whilst confined to home for specific reasons. Exclusions apply with regards to the nature of disease (for more details please contact with your Eastern Financier insurance advisor)


• Expenses incurred on hospitalization for bariatric surgical procedure and its complications thereof are payable subject to a maximum of Rs. 2,50,000/- during the policy period


• The Insured Person is given the facility of obtaining a second medical opinion from a Doctor in the Company's network of Medical Practitioners


• Expenses incurred as in-patient for Delivery including a delivery by Caesarean Section. Treatment of the new born and vaccination expenses are also covered

Accidental death and permanent disability cover

The policy will cover accidental death or permanent disability following an accident

Other Policy features

Below are some important policy features:-

• Pre-acceptance medical screening: All persons proposed for insurance who are above 50 years of age are to undergo Pre acceptance medical screening at Star nominated centres. The cost of such screening will be borne by Star.
• Waiting period: Accidents are covered from day one. For illness/diseases 30 days waiting period is applicable. 24 months waiting period for specified illness/diseases/treatments. 36 months waiting period for Delivery and New Born cover and for Bariatric Surgery.
• Pre-existing conditions: Covered after 48 months of continuous coverage without break.
• Co-payment: No co-payment for treatments of insured below 60 years of age. 10% of each and every claim made by insured person who is above 60 years at entry level and renewals thereafter.
• No Claim Bonus: For every claim free year, the insured is entitled for bonus of 50% on sum insured of Rs 5 lakhs and 100% bonus on insured of more than Rs 5 lakhs.

Affordable cost

Health insurance has many aspects in terms of coverage, benefits, exclusions and costs. You should consider all these aspects when buying your health insurance policy. Our insurance advisors can help you select the right plan for the specific needs of your family. Star Comprehensive Health Insurance policy provides value for money with respect to the benefits it provides. The indicative annual premium of a Star Comprehensive Insurance policy with Rs 10 lakh insurance cover (sum insured) for a family of 2 adults and 2 children, where the age of the oldest insured family member is between 36 and 45 is around Rs 23,500 only. Please contact with your Eastern Financier insurance advisor to know the cost of insurance cover for your family.