Star Health and Allied Insurance Company Limited
Star Comprehensive Insurance Policy
Star Health's flagship comprehensive plan
UIN SHAHLIP22028V072122We don't sell this — we'll still recommend if it fits
The dealbreaker fields
Max cover
₹1 cr
Claim settlement (CSR)
90%
PED waiting
36 months
Specific disease wait
24 months
Mandatory co-pay
0%
Room rent prop. ded.
Yes
Pre / post hosp.
60 / 90 days
Network hospitals
14,000+
Free look
15 days
What this plan does well
- Comprehensive maternity coverage with 24-month wait (Section 2)
- OPD Medical Consultation built into BASE at networked facility — DEALBREAKER ADVANTAGE
- Free annual Health Check-up (Section 6) regardless of claim
- Dependent Children up to 25 yrs covered (3 children allowed)
- Air Ambulance ₹5L/policy + Road Ambulance ₹2.5L/hosp
- Modern Treatments up to SI (per limits)
- AYUSH up to SI
- Out-patient Dental + Ophthalmic every 3-year block over base SI
Watch out for
- PROPORTIONATE DEDUCTION on higher room category — DEALBREAKER (vs Star Health Family Optima no-cap variants)
- Star Health CSR ~88-90% (lower than top-tier 98%+)
- Domiciliary excluded conditions list LONG (Asthma/Bronchitis/CKD/Diarrhoea/Diabetes/Epilepsy/HTN/Flu/Psychiatric/Tonsillitis/Cough/Cold/URTI/Arthritis/Gout)
- Pre/Post only 60/90 (vs ManipalCigna ProHealth 60/180, Niva Bupa Premia 60/180)
- Free Look 15 days
- Automatic Restoration ONCE/yr (Section 1 only, not for Modern Treatments)
- Restoration NOT for same illness/accident
- Bariatric Surgery hard cap ₹2.5L OR 50% SI whichever less
Is this the right plan for you?
Run the 30-second cover calculator. We'll tell you whether this plan, or a different one, is the better fit.
Find my right cover →We don't directly sell this plan today. If our verdict says this is your best fit, we'll point you to a broker who does — and tell you our paired listed alternative so you can decide.