COMPREHENSIVE PLAN

🌟 Plan ka Overview

Aaj kal health-risks badh gaye hain — medical technology advance hai, lekin treatment cost bhi bahut zyada hai. Isi context mein Star Health ne “Comprehensive Plan” design kiya hai — jo ek all-in-one health cover provide karta hai: hospitalisation se le ke day-care, OPD, maternity, AYUSH treatment, organ transplant, air-ambulance tak sab-kuch cover karta hai. Star Health+2ComparePolicy+2

Yeh plan un logon ke liye hai jo apne aap ko aur apni family ko “maximum protection” dena chahte hain, taki kisi bhi serious medical emergency ke time financial stress na ho. Star Health+1

🛡️ Key Features aur Benefits

Eligibility & Sum Insured Options

• Entry age: Individual mode mein 18 years se lekar 65 years tak eligible hain. Dependent children 91 days se cover ho sakte hain up to 25 years. Star Health+1

• Plan Individual ya Floater basis par milta hai — yaani aap apni family (spouse + children) ko single sum-insured ke andar cover kar sakte hain. Star Health

• Sum Insured (SI) options kaafi broad hain — Rs. 5 lakh se leke higher amounts (Rs. 10 lakh, Rs. 25 lakh, Rs. 50 lakh, Rs. 1 crore) tak options available hain. Star Health+1

Coverage Details

• Hospitalisation (In‐patient): 24 hours ya usse zyada hospitalisation on account of illness, injury/accident cover hoti hai — hospital room, board, nursing, ICU, surgeon fees, medicines, operation theatre etc. ComparePolicy+1

• Pre‐ and Post-Hospitalisation: Admission ke pehle aur discharge ke baad certain days tak medical expenses cover hote hain. Example: pre-hospitalisation up to 60 days, post-hospitalisation up to 90 days. Star Health+1

• Day‐Care Procedures: Jisme hospital stay 24 hours se kam ho but treatment procedure ho, woh bhi covered hai. Star Health+1

• No Room-Rent Capping (in certain cases): Is plan mein “no capping on room rent” ya “private single A/C room” ka option diya gaya hai. Star Health+1

• Out-Patient Cover & Dental/Ophthalmic: OPD consultation expenses (network facility) aur dental/eye treatments (subject to clause) covered hain. Star Health+1

• Maternity, New-Born, Vaccination: Normal & C-section delivery, newborn baby hospitalisation & vaccination expenses included hain (policy clause ke hisaab se). Star Health

• AYUSH Treatment: Ayurveda, Unani, Siddha, Homeopathy system ke hospitals mein treatment cover hai upto specified limits. Star Health

• Air & Road Ambulance: Emergency ambulance expenses (road), aur air-ambulance (specified limit) bhi included hain. Star Health

• Organ Donor Expenses: Agar organ transplant ho raha hai, donor ka hospitalisation cost bhi cover ho sakta hai. Star Health

• Automatic Restoration of Sum Insured: Agar policy year mein basic sum insured exhaust ho jaata hai, to 100% restore ho jaata hai once in that year — taaki aap subsequent claims kar paayein. Star Health

• Cumulative Bonus / Increase in SI on Claim-Free Years: Agar claim nahi kiya to aapka sum insured badh sakta hai ya bonus mil sakta hai. ComparePolicy

📋 Policy Details, Premium Payment & Terms

• Policy tenure: 1 year (aur kai cases mein 2 ya 3 year options bhi milte hain). Renewal ke baad lifelong renewal ka option available hai (policy age limit ke under). Oneassure+1

• Premium ka calculation depend karta hai: age of insured, sum insured chosen, family size, location, prior health history, plan variant etc. Example premium chart: 1 adult, sum insured Rs. 10 lakh => premium approx Rs. 11,476 (figures for reference). PolicyX

• Instalment payment option: Annual, half-yearly, quarterly, monthly payment modes available in many cases. Star Health

• Entry age aur renewal: Policy mein age limits specified hain; renewal ke time policy lapse na ho, warna continuity benefits (waiting periods) phir apply ho sakte hain.

• Waiting periods apply: Pre-existing diseases (PED) ke liye waiting period hoti hai; plan document me details given hain. Star Health

✅ Why Choose This “Comprehensive” Plan?

• Agar aap chahte hain ek ultimate health cover jisme sab-kuch included ho — hospitalisation, day-care, maternity, AYUSH, organ-transplant, OPD, ambulance — to yeh plan ideal hai.

• Famous benefit: “no room rent capping” (conditionally) aur “Sum Insured restoration” jaisa feature hain — workload kam aur comfort zyada.

• Family floater option hone se aap apni wife, bacche ek policy se cover kar sakte hain — cost efficient.

• Maternity & newborn cover bhi included hone se agar future planning hai to bahut helpful hai.

• OPD, dental/eye treatment bhi included hone se “just hospitalisation” ka cover nahi, broader health risk cover milta hai.

🚫 What are the Limitations & Things to Note

• Waiting periods & Pre-existing conditions ka clause bahut important hai — agar prior illness hai, to claim ka eligibility aur premium both effect ho sakte hain.

• Sub-limits: Although “no room rent capping” ka claim hai, kuch variant ya sum insured options ke under still sub-limits ya co-payment ho sakte hain. Policy clause check karein. Star Health

• Premium thoda high ho sakta hai, kyunki wide cover mil raha hai — isliye budget aur cover ka balance consider karein.

• Claim settlement experience ka feedback mixed hai (ye general for insurance) — policylege instructions, network hospital list, claim process ko pehle samajhna zaruri hai. Example Reddit feedback. Reddit+1

• Ye plan “fully unlimited” nahi necessarily hai — kuch treatments, experimental therapies ya certain high end costs par “as per policy terms” ya “subject to sub-limit” likha hota hai. Oneassure+1

💬 Example Scenario

Maan lijiye Mr. & Mrs. Gupta, age 40 & 38, do bacche (10 & 7 years). Unhone Star Comprehensive policy li hai sum insured Rs. 25 lakh, family floater mode.

• Ek baar Mrs. Gupta ko gall-bladder surgery karwani padti hai (hospitalisation + post-care) — plan cover karega room, surgeon fees, medicines, post-hospitalisation up to 90 days.

• Kuch mahine baad unke bachche me accident ke baad day-care procedure hua jisme stay <24 hours tha — day-care cover is plan me included hai.

• Agar kisi future time normal delivery ya C-section ho jaata hai (agar variant maternity benefit include hai) — to delivery cover mil sakta hai.

• Agar 1 policy year me sum insured khatam ho jaata hai (say ek major treatment hogaya), to “automatic restoration” se fresh sum insured available hoga for next treatment in same year.

• Agar claim nahi hua 2–3 years, to cumulative bonus ya increase in sum insured mil sakta hai, renewal pe benefit dikhega.

Is tarah, ek “all-round” health risk cover ban jaata hai jo family ke alag-alagh health events ke liye ready hai.

⚠️ Kuch Tips Aur Dhyan Dene Wali Batein

• Proposal form me puri medical history disclose karein. Non-disclosure claim reject ka common reason hai.

• Family floater lete hi check karein ki sum insured sufficient hai — kyunki future treatment cost badh rahe hain.

• Network hospital list check karein — cashless facility available ho us hospital me to convenience zyada.

• Waiting period aur pre-existing disease clause detail se samjhein — tarikh, condition, loading wagaira.

• Renewal time pe policy lapse na hone dein — gap hone se benefits wapas reset ho sakte hain.

• Claim process aur documentation pe sakein tarah ready rehein — bills, discharge summary, doctor reports sab important hai.

• Agar maternity/new-born benefit chahiye to variant choose karte waqt us clause ko check karein — waiting period maternity ke liye alag ho sakta hai.

• Premium vs cover balance ko samjhein — zyada sum insured ka premium zyada hoga, lekin cost-benefit bhi match hona chahiye.

🔍 Summary

Star Comprehensive Insurance Policy ek premium level health cover hai jo broad spectrum risk ko cover karta hai: hospitalisation, day-care, OPD, maternity, AYUSH, organ donor, ambulance, restoration benefit, bonus facility — sab ek plan ke andar. Agar aap family ke saath long-term health protection chahte hain aur budget thoda flexible hai, to yeh plan ek strong candidate hai.

Lekin yeh bhi yaad rakhein — “sab-kuch cover” hone ka matlab yeh nahi hai ki detail clause aur limitations nahi hain. Waiting periods, pre-existing conditions, sub-limits, premium cost — yeh sab plan ka part hain. Isliye plan lene se pehle terms and conditions ko thoroughly samjhein aur apne budget, health profile, future risk ko dhyan me rakh kar decision lein.