Comprehensive in one table
| Insurer | Star Health & Allied Insurance Company Limited |
|---|---|
| Sum insured | ₹5 lakh to ₹1 crore, in tiers of 5 / 7.5 / 10 / 15 / 20 / 25 / 50 / 75 / 100 lakh. The ₹7.5 lakh tier is the one that matters – the bonus doubles from 50% to 100% a year there. |
Claim settlement and complaint figures are IRDAI-published and held centrally by NYVO, not taken from the insurer's marketing.
What Comprehensive covers
These are the terms that decide what you are actually paid when you claim. Room rent, co-pay and restoration do more to shape a settlement than the sum insured does, and they are read from Star Health's own policy wording.
| Feature | This plan | What good looks like |
|---|---|---|
| Co-payment | 10% of every claim if the insured person joins at 61 or above | No Co-payment |
| Room Rent Limit | Single private A/C room. Take a higher category and the associated charges are cut in proportion | No room rent capping |
| Disease sub-limit | No caps on mainstream in-patient treatment, but modern treatments, bariatric surgery, maternity, newborn and outpatient benefits each carry their own limit | No sub-limit |
| No Claim Bonus | 50% of the sum insured a year at ₹5 lakh cover, 100% a year at ₹7.5 lakh and above, capped at 100% | 50% each year (Minimum upto 100%) |
| Restoration Benefit | 100% once a policy year, usable for the same illness as well as a new one | 100% restoration once in a year |
| Pre-Hospitalization | 60 days | At least 60 days |
| Post-Hospitalization | 90 days | At least 120 days |
| Consumables | Not covered. Star’s list of excluded non-medical items is deducted from the claim | Consumables covered |
| Maternity | ₹15,000 to ₹1 lakh per delivery depending on cover, two deliveries in a lifetime, after a 24-month wait. Newborn cover ₹1 lakh to ₹2 lakh | Included |
| Outpatient consultations | ₹1,200 to ₹5,000 a year at ₹300 a consultation, cashless only. Dental and ophthalmic treatment ₹5,000 to ₹15,000 every three years | Included |
| Day-Care Procedures | All day care procedures covered up to the sum insured | Covered without a capped list |
| AYUSH Treatment | Covered up to the sum insured. Yoga and naturopathy are excluded | Included |
| Air Ambulance | Up to ₹2.5 lakh per hospitalisation, ₹5 lakh per policy year | Included |
| Entry age | 18 to 65 for adults · 91 days to 25 years for children | Lifelong renewal after entry |
Comprehensive add-ons you can buy with it
Each of these costs extra and each has its own conditions. Some are genuinely worth it; several exist to patch a gap in the base plan. Ask what each one adds before it goes on your quote.
Comprehensive discounts you can ask for
Published discounts on this plan. Most are applied at quote stage rather than offered, so it is worth naming the ones you qualify for. Every figure is a ceiling, not a promise - what you actually get depends on the case.
| Discount | Worth | When it applies |
|---|---|---|
| Long-term discount | Up to 10% and 12.5% | 10% on the second year of a 2-year or 3-year policy, and a further 12.5% on the third year. |
| Wellness discount | Up to 10% | Earned through the Star Wellness Program and applied at renewal. 200 points is worth 2%, 751 points and above is worth 10%. |
| Favourable claim experience | Up to 5% | At renewal, if no claim was made or total claims stayed under ₹25,000 in the preceding three years. Only for insured persons aged up to 59, judged on the eldest member of a floater. |
From the plan brochure. Discounts apply to the base premium and are subject to the insurer’s own stacking rules.
Comprehensive waiting periods: when each part of the cover starts
Waiting periods run from the day cover began, not from the day you fall ill, and they run in parallel rather than one after another.
| Initial Waiting Period | 30 days |
|---|---|
| Specific Illness | 24 months |
| Pre-Existing Disease | 36 months (12 months with the buy-back option) |
| Delivery and New Born | 24 months |
| Bariatric Surgery | 36 months |
The named illnesses that wait 24 months
These wait 24 months from the start of your first policy with Star. An accident is covered from day one. The list below is indicative – the policy wording carries all fourteen categories, and where a listed condition is also pre-existing, the longer of the two waiting periods applies.
Comprehensive exclusions: what the plan will not pay for
Every policy carries exclusions, and they are the clauses people read for the first time at claim stage. These are the ones worth knowing before you buy.
Where Comprehensive falls short
No plan is right for everyone, and a page that only lists strengths is not much use to you. These are the gaps we would raise on a call before recommending it.
Comprehensive questions, answered
How big is the bonus on Star Comprehensive, really?
It depends entirely on the tier you buy. At ₹5 lakh cover a claim-free year adds 50% of the sum insured. At ₹7.5 lakh and above it adds a full 100%, so one clean year doubles your cover. Either way the accumulation stops at 100% of the base sum insured, which means the ₹7.5 lakh tier reaches the ceiling in one year while the ₹5 lakh tier needs two.
Can I use the restoration for the same illness that used up my cover?
Yes. The sum insured refills once by 100% in a policy year, after the base cover and any accrued bonus are exhausted, and the restored amount can be used for all claims during the policy period, including a repeat admission for the same condition. Many plans restrict restoration to an unrelated illness, and that restriction is what usually catches people out.
Does this plan cover maternity?
It does, in the base plan rather than as a rider. Limits run from ₹15,000 for a normal delivery at ₹5 lakh cover up to ₹1 lakh for a caesarean at the top tiers, with newborn cover of ₹1 lakh or ₹2 lakh alongside. There is a 24-month waiting period, both you and your spouse have to have been covered continuously for those 24 months, and a fresh 24-month wait starts after each claim. It pays for a maximum of two deliveries in the lifetime of the policy.
What can I do about the 36-month pre-existing disease wait?
Buy the PED buy-back optional cover, which cuts it to 12 months. The catch is timing: you can only take it when you first buy this policy, it applies only up to the sum insured you chose at that moment, and it is not available at renewal or if you ported in from another insurer. You will also need a pre-acceptance medical screening. If you are already a policyholder, the window has closed.
Is there a co-payment?
Only for people who first join at 61 or above, and then it is 10% of every claim, permanently. If you entered before 61 and have renewed without a break, no co-payment applies however old you get. The order of operations matters more than most buyers realise: for a parent, entering at 60 rather than 61 removes a lifelong 10% haircut.
What does the outpatient cover actually pay for?
Two separate pots. Ordinary consultations are capped at ₹300 a visit within an annual limit that runs from ₹1,200 at ₹5 lakh cover to ₹5,000 at the top tiers, and they only pay cashless at a network facility. Dental and ophthalmic treatment sits in its own pot, ₹5,000 to ₹15,000, available once every three continuous years. Neither reduces your sum insured.
Read it from the insurer
We summarise. The policy wording is the contract, and it is the only document that settles a dispute. These links go to the insurer's own pages.
Understand the terms before you commit
A plan page tells you what this policy does. These explain why each term matters and what it costs you when it is missing.
Other Star Health plans we have read
Star Health files these separately, and the terms differ between them. If you are choosing within the range, compare the waiting periods and the exclusions rather than the sum insured.