Star Health Insurance Plans

Star First Comprehensive

Eligibility criteria of Star First Comprehensive

For Health Benefits
  • Entry age between 18 years and 65 years.
  • Dependent children can be covered from 3 months to 25 yrs.
  • There is no exit age for health cover.
For Life Benefits
  • Entry age between 18 years and 60 years. The Life Insurance Benefit is offered only for the primary life insured.
  • Medical underwriting will be applicable for eligible persons above 50 years of age.
  • The Plan term is 5 years (fixed) and maximum age at the end of the plan term is 65 years
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Star First Comprehensive Insurance review

  • Key Features
  • General Terms
  • Benefits

Features of Star First Comprehensive Plan

Health Cover
  • No Capping on room rent - No capping on room rent - Treatment at Single Standard A/C room
  • Bariatric surgery cover - Covers medical expenses incurred on Bariatric surgical procedures and its complications.
  • Air ambulance cover - Air ambulance assistance, Second medical opinion are covered.
  • Maternity cover - Cover for maternity (normal and caesarean delivery) and New born baby.
  • Automatic restoration - Automatic restoration of entire Sum insured by 100%.
  • Out-Patient cover - Out-Patient cover (Including Dental / Ophthalmic) and Hospital cash benefit.
Life Cover
  • This plan provides for lump sum in the event of death of the Primary Life Insured during the term of the plan and ensures that your loved ones are taken care of, even in your absence
  • Flexibility to choose the Sum Assured between ₹5 lacs upto ₹25 lacs as per need
  • Straight through process without medicals up to 50 years age
Others
  • No Third Party Administrator - direct in - house claims team ensures faster and hassle free claims settlement. Supported by 24X7 Toll Free Helpline for any assistance required by the insured.
  • Cashless hospitalization wherever possible.
  • Network of more than 9300+ hospitals across India.
  • 24x7 Toll Free Helpline.
  • Information on health through free health magazine.
  • Facility for maintaining personal health records in electronic format.

General Terms of Star First Comprehensive Insurance

Co-Payment (Applicable for Health Section only)
10% of each and every claim for persons above 60 years at entry level and their subsequent renewals.
Pre-Acceptance Medical Screening for both Health and Life Sections
Persons above 50 years will be required to undergo pre-acceptance medical screening at the Company nominated centres. Cost of screening is currently borne by the company.

Tax Benefits for both Health and Life Sections
Amount paid by any mode other than by cash for this Health section insurance is eligible for relief under Section 80D of the Income Tax Act. Amount paid for this Life section insurance is eligible for relief under Section 80C of the Income Tax Act.

Free look period (Cancellation) for both Health and Life Sections
  • The policy can be cancelled within 15 days from the date of receipt of the policy. In case Policyholder has bought this plan through distance marketing mode, he/she may cancel the Plan within 30 days from the date of receipt of the policy. However, the company reserves the right to deduct medical examination fees, cancellation fee*, stamp duty charges for issue of the policy and proportionate risk premium for the period concerned.
  • Cancellation fee is not applicable for Pure Term Life Insurance Coverage

Coverages of Star First Comprehensive Insurance

Section 1 Health Insurance Coverage
Hospitalization Cover Hospitalization cover protects the insured for in patient hospitalization expenses for a minimum period of 24 hrs. These expenses include
  • Room rent (Single Standard A/C room), nursing and boarding charges
  • Surgeon, Anaesthetist, Medical Practitioner, Consultants, Specialist fees
  • Diagnostics, Anaesthesia, Blood, Oxygen, Operation Theatre Charges, implants, Cost of Medicines and Drugs.
Emergency ambulance charges for transporting the covered patient to the hospital
Sum Insured (₹) Limit per policy period by road ambulance (Upto ₹)
5,00,000 2,000
7,50,000 3,000
10,00,000 3,500
15,00,000 4,000
20,00,000 4,500
25,00,000 5,000
Emergency Air Ambulance Charges In case of Air Ambulance, the limit per policy period is 10% of the Sum Insured.
However, this is not available for Sum Insured option of Rupees Five Lakhs.
Pre-Hospitalization Upto 30 days prior to the date of admission
Post-Hospitalization Upto 60 days post the discharge from the hospital.
Medical Consultations as an Out Patient Covered if incurred in a Network Hospital for other than Dental and Ophthalmic, up to the limits mentioned in the table of benefits given below with a limit of Rs.300/- per consultation. This benefit does not form part of the sum insured, and payable while the policy is in force.
Sum Insured (₹) Limit for Out Patient consultation per policy period(Upto ₹)
5,00,000 1,200
7,50,000 1,500
10,00,000 2,100
15,00,000 2,400
20,00,000 3,000
25,00,000 3,300
Coverage for Domiciliary hospitalization treatments for a period exceeding three days Covered under the policy except for Asthma, Bronchitis, Chronic Nephritis and Nephritic Syndrome, Diarrhoea and all types of Dysenteries including Gastro-enteritis, Diabetes Mellitus and Insipidus, Epilepsy, Hypertension, Influenza, Cough and Cold, all Psychiatric or Psychosomatic Disorders, Pyrexia of unknown origin for less than 10 days, Tonsillitis and Upper Respiratory Tract infection including Laryngitis and Pharingitis, Arthritis, Gout and Rheumatism.
Also Pre-hospitalisation, Post-hospitalisation expenses are not applicable for this cover.
Delivery and New Born Baby Cover
  • Expenses for Delivery - including Pre-natal and Post natal expenses up-to the limits specified. A waiting period of 36 months of continuous coverage under this policy will apply.
  • 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)
Sum Insured (₹) Limit of Delivery Limit of Company Liability (₹)
Normal (₹) C-Section(₹)
5,00,000 10,000 15,000 50,000
7,50,000 20,000 40,000 1,00,000
10,00,000 25,500 40,000 1,00,000
15,00,000 25,000 40,000 1,00,000
20,00,000 25,500 40,000 1,00,000
25,00,000 25,000 40,000 1,00,000
Vaccination expenses for the New Born Upto ₹1,000
Out-patient Dental and Ophthalmic Treatment Coverage Expense incurred on acute treatment to a natural tooth or teeth or the services and supplies provided by a licensed dentist, up to limits mentioned in the schedule of Benefits are payable. Expenses incurred for the treatment of the eye or the services or supplies provided by a licensed ophthalmologist, hospital or other provider that are medically necessary to treat eye problem including cost of spectacles / contact lenses, not exceeding the limit for the coverage as mentioned in the Schedule of Benefits are payable.
Sum Insured (₹) Limit for Out Patient Dental & Ophthalmic Treatment (Upto ₹)
5,00,000 5,000
7,50,000 5,000
10,00,000 10,000
15,00,000 10,000
20,00,000 10,000
25,00,000 10,000
The insured persons become eligible for this benefit after continuous coverage under this policy after every block of 3 years with the company and payable while the policy is in force
Hospital Cash Cash Benefit up to the limits mentioned in the Table of Benefits given below for each completed day of Hospitalization subject to a maximum of 7 days per occurrence is payable.
This Benefit is available for a maximum of 120 days during the entire policy period. This benefit is subject to an excess of first 24 hours of Hospitalization for each and every claim.
Sum Insured (₹) Hospital Cash Benefit – Limit of Company’s liability per day(Upto ₹)
5,00,000 500
7,50,000 500
10,00,000 500
15,00,000 1,000
20,00,000 1,000
25,00,000 1,500
Health Check Up The insured persons become eligible for these benefits after continuous coverage under this policy after every block of 3 claim-free years with the Company and payable on renewal.
If a claim is made by any of the insured persons the health check up benefits will not be available to other insured persons.
Sum Insured (₹) Limit per policy (Upto ₹)
5,00,000 5,000
7,50,000 7,500
10,00,000 7,500
15,00,000 12,000
20,00,000 12,000
25,00,000 12,000
Section 2 Life Insurance Coverage
Life Cover This plan provides for lump sum in the event of death of the Primary Life Insured during the term of the plan and ensures that your loved ones are taken care of, even in your absence
Sum Assured ₹3 lacs to ₹15 lacs (@ intervals of ₹1 lac))
Maturity / Survival / Surrender / Loan Benefit NIL
Medicals Requirement No Medicals till insured is 50 years of age
Section 3 Other Coverages
Bariatric Surgery
  • Expenses incurred on hospitalization for bariatric surgical procedure and its complications thereof are payable subject to a maximum of ₹2,50,000/- during the policy period which is inclusive of pre-hospitalization and post hospitalization expenses.
  • Claim under this section shall be processed only on cashless basis.
  • Coverage under this section is subject to a waiting period of 36 months and payable only while the policy is in force
Accidental Death and Permanent Total Disablement
  • Cover against Accidental Death
  • The person chosen by the Proposer at the time of payment of premium as mentioned in the schedule herein is covered for Personal Accident
  • The sum insured for this section is equal to the sum insured opted for the Health insurance.
Option for Second Medical Opinion
  • The Insured Person is given the facility of obtaining a Second Medical Opinion in electronic mode from a Doctor in the Company's network of Medical Practitioners
  • Medical records can be sent to the mail id e_medicalopinion@starhealth.in
Automatic Restoration of Sum Insured (Applicable for Hospitalization Section Only)
  • • Upon exhaustion of Basic sum insured and the Bonus, sum insured will be automatically restored by 100% once policy period. Such restored Sum Insured can be utilized only for illness / diseases unrelated to the illness / diseases for which claim/s was / were made

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CIN: U66000KA2018PTC117713 | IRDAI Web aggregator License Code Number: IRDAI / INT / WBA /53/ 2018, Valid till 07/08/2025