Star Comprehensive

Plan details

Every field, in one place

Honesty note: UIN not confirmed against IRDAI filings. Indicative premiums are order-of-magnitude only — actual premium varies by city, member count and medical loading. Verify on starhealth.in.

Indicative premium

Order-of-magnitude only — NOT a quote

Indicative figures vary by city, family member count, medical loading and policy term. Always confirm on the insurer's premium calculator.

Known exclusions

What this plan typically does NOT cover

• ✕Cosmetic / aesthetic surgery (unless reconstructive after accident)
• ✕Treatment outside India
• ✕Self-inflicted injury, substance abuse, hazardous sports
• ✕Infertility and assisted conception (except where rider opted)
• ✕Refractive error correction below 7.5 diopters

Known traps

The fine print that decides claim outcomes

• ▸Single private room cap — if you opt for a Deluxe room, proportionate deduction applies across the whole bill (not just room rent).
• ▸Cataract sub-limit of ₹40,000 per eye on most variants — the actual hospital bill is usually higher.
• ▸Modern treatment (robotic, immunotherapy, oral chemo) capped at a % of sum insured, not the full amount.
• ▸10% copay kicks in for insureds aged 61+ at policy entry — confirm your age slab.
• ▸Pre-existing diseases only covered after 36 months of continuous renewal.

How to claim

Cashless vs reimbursement — the steps

1. 1Notify insurer. Within 24 hours of emergency admission or 48-72 hours for planned hospitalisation. Use Star Health's helpline or app — keep the reference number.
2. 2Cashless: Pre-authorisation form filled by hospital, sent to Star Healthvia the hospital's TPA desk. Approval typically 4-6 hours during business; longer overnight. If your hospital is OUT of network (or PPN-only), you'll be on reimbursement.
3. 3Reimbursement:Pay hospital out-of-pocket, then submit claim form + original bills + discharge summary + investigation reports + KYC. Insurer's IRDAI-mandated turnaround is 30 working days from receipt of complete documents.
4. 4Watch for deductions. Room rent above your eligible category triggers proportionate deduction across the WHOLE bill, not just room rent. Sub-limits on cataract / modern treatment apply even when total SI is far higher.
5. 5If denied: Ask for a written denial citing the exact clause. Internal grievance redressal first, then IRDAI Bima Bharosa or the Insurance Ombudsman.