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STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED
Regd. & Corporate Office: 1, New Tank Street, Valluvar Kottam High Road, Nungambakkam,
Chennai - 600 034. « Phone : 044 - 28288800 « Email : support@starhealth.in
Website : www.starhealth.in « CIN : L66010TN2005PLC056649 « IRDAI Regn. No. : 129
PROSPECTUS - STAR COMPREHENSIVE INSURANCE POLICY
Unique Identification No.: SHAHLIP22028V072122
The Specific Feature of this policy is it offers Health Cover, Delivery and New born cover,
Out-Patient Consultation Section 1-H
Dental and Ophthalmological Treatment, Hospital cash Benefit-all under a single roof. Also
Limit for Out Patient consultation per
cover is extended for Bariatric surgery where it is performed for medical reasons
Sum Insured Rs. policy period for other than Dental and
µ Eligibility Ophthalmic Treatments (up to Rs.)
Ø For Adults – 18yrs – 65 yrs
5,00,000/- 1,200/-
Ø For Dependent Child - 91 days – 25 yrs
7,50,000/- 1,500/-
µ Midterm inclusion of newly married / wedded spouse and New Born Baby is
10,00,000/- 2,100/-
permissible on paying additional premium. The intimation about the marriage / new
15,00,000/- 2,400/-
born should be given within 60 days from the date of marriage or new born. The cover
20,00,000/- 3,000/-
will be from the date of payment of premium.
25,00,000/- 3,300/-
µ Policy Term: 1 Year / 2 Years / 3 Years. For policies more than one year, the Basic
50,00,000/-, 75,00,000/- and 1,00,00,000/- 5,000/-
Sum Insured is for each year, without any carry over benefit thereof
Limit of per consultation is Rs. 300/-
µ Instalment Facility available: Premium can be paid Quarterly and Half-yearly.
Note: Payment of any claim under this section shall not be construed as a waiver of
Premium can also be paid Annually, Biennial (Once in 2 years) and Triennial (Once
Company's right to repudiate any claim on grounds of nondisclosure of material fact or
in 3 years)
preexisting disease for hospitalization expenses under hospitalization provisions of
µ Sum Insured Options
the policy contract.
Rs.5,00,000; Rs.7,50,000; Rs.10,00,000; Rs.15,00,000; Rs.20,00,000;
I. Domiciliary hospitalization: Coverage for medical treatment (including
Rs.25,00,000; Rs.50,00,000; Rs.75,00,000 ; Rs.1,00,00,000
AYUSH) for a period exceeding three days, for an illness/disease/injury, which in
µ What are the benefits available? the normal course, would require care and treatment at a Hospital but, on the
advice of the attending Medical Practitioner, is taken whilst confined at home
Section 1 Hospitalization
under any of the following circumstances
A. Room (Private Single A/C room), Boarding and Nursing Expenses as provided
by the Hospital / Nursing Home The condition of the patient is such that he/she is not in a condition to be removed
to a Hospital, or
B. Surgeon, Anesthetist, Medical Practitioner, Consultants, Specialist Fees.
The patient takes treatment at home on account of non-availability of room in a
C. Anesthesia, Blood, Oxygen, Operation Theatre charges, ICU charges, Surgical
hospital.
Appliances, Medicines and Drugs, Diagnostic Materials and X-ray, diagnostic
However, this benefit shall not cover Asthma, Bronchitis, Chronic Nephritis and
imaging modalities, Dialysis, Chemotherapy, Radiotherapy, cost of Pacemaker,
Nephritic Syndrome, Diarrhoea and all types of Dysenteries including
stent and such other similar expenses. With regard to coronary stenting, the
Gastro-enteritis, Diabetes Mellitus and Insipidus, Epilepsy, Hypertension,
Company will pay such amount up to the extent of cost of bare metal stent/drug
Influenza, Cough and Cold, all Psychiatric or Psychosomatic Disorders, Pyrexia
eluting cobalt-chromium stent/drug eluting stainless steel stent.
of unknown origin for less than 10 days, Tonsillitis and Upper Respiratory Tract
D. Road ambulance expenses: Subject to an admissible hospitalization claim,
infection including Laryngitis and Pharingitis, Arthritis, Gout and Rheumatism.
road ambulance expenses incurred for the following are payable :-
i. for transportation of the insured person by private ambulance service to go Section 2 Delivery and New Born
to hospital when this is needed for medical reasons A. Expenses for a Delivery including Delivery by Caesarean section (including pre-natal
or and post natal expenses) up-to the limits mentioned in the table below per Delivery,
subject to a maximum of 2 deliveries in the entire life time of the insured person are
ii. for transportation of the insured person by private ambulance service from
payable while the policy is in force.
one hospital to another hospital for better medical treatment
or B. Expenses up-to the limits mentioned in the table below, incurred in a hospital/ nursing
home on treatment of the New-born for any disease, illness (including any congenital
iii. for transportation of the insured person from the hospital where treatment is
disorders) or accidental injuries are payable provided there is an admissible claim
taken to their place of residence provided the requirement of an ambulance
under A of Section-2 above and while the policy is in force.
to the residence is certified by the medical practitioner.
E. Air Ambulance expenses Subject to an admissible hospitalization claim, the
Section 2 Delivery and New Born
Insured Person(s) is/are eligible for reimbursement of expenses incurred
Limit for Delivery Limit of Company's
towards the cost of air ambulance service up to Rs.2,50,000/- per
liability for
Delivery by
hospitalization, not exceeding Rs.5,00,000/- per policy period, if the said service Sum Insured Rs.
Normal
New Born
Caesarean
was availed on the advice of the treating Medical Practitioner /
Delivery Rs.
Section Rs. Cover Rs.
Hospital..Expenses towards Air ambulance service is payable for only from the
5,00,000/- 15,000/- 20,000/- 1,00,000/-
place of first occurrence of the illness / accident to the nearest hospital. Such Air
ambulance should have been duly licensed to operate as such by Competent 7,50,000/- 25,000/- 40,000/- 1,00,000/-
Authorities of the Government/s.
10,00,000/- to 25,00,000/- 30,000/- 50,000/- 1,00,000/-
F. Relevant Pre-Hospitalization medical expenses incurred for a period not
50,00,000/- to 1,00,00,000/- 50,000/- 1,00,000/- 2,00,000/-
exceeding 60 days prior to the date of hospitalization are payable subject to an
C) Vaccination expenses for the new born baby are payable up to the limits mentioned in
admissible hospitalization claim
the table below, until the new born baby completes one year of age and is added in the
G. Post Hospitalization: Medical expenses incurred for a period up to 90 days
policy on renewal. Claim under this is admissible only if claim under A of Section-2
from the date of discharge from the hospital wherever recommended by the
above has been admitted and while the policy is in force.
Medical Practitioner / Hospital, where the treatment was taken are payable,
provided Limits of Vaccination
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