Star Comprehensive Health Insurance Policy

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If you are looking for a health insurance policy that offers wide coverage with lot of additional features for the entire family under a single sum insured and yet at an affordable cost – your search ends here. Star Comprehensive Insurance Policy gives you all these and much more.

Coverage (for all between 5 months * and 65 years of age at the time of entry – Guaranteed renewal for lifetime)

Section 1: In-patient hospitalization expenses

	Covered where the hospitalization is for a minimum of 24 hours
	101 Day-care treatments covered
	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

Section 2: Delivery and New-Born Cover:

	Expenses for Delivery – normal delivery or by caesarean section, including Pre-natal and Post natal expenses.
	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.

In the event of a claim, during the currency of the policy, if the entire sum insured is exhausted and the policy has not yet expired then the automatic restoration of Sum Insured will operate and the sum insured will be restored to the original amount i.e. 100% only once. This restored sum insured can be 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.

Pre- 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.

Relief under Sec 80D of IT Act.

Insured Person is eligible for relief under Section 80-D of the IT Act in respect of the amount paid by any mode other than cash.

Divya (62 Posts)

Divya is a Financial Advisor at DivyaAdvisor.com. She has MBA(Finance) from BIT,Mesra,Ranchi and authorized distributor of financial products listed below. Products: LIC of India, Star Health, Shares and all Mutual Funds Houses in India Others: Tax Free Bonds and Real Estate Advisory

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