The Star Comprehensive Insurance Policy from Star Health and Allied Insurance provides extensive coverage for families, including in-patient hospitalization, delivery charges, and out-patient dental and ophthalmic services, with no sub-limits on room rent and restoration of the sum insured. Eligible individuals aged 18 to 65 can enroll, with a focus on guaranteed lifetime renewals and specific provisions for coverage of HIV+ individuals. Significant features include various sum insured options, coverage for newborns, and a comprehensive schedule of benefits, alongside exclusions and co-payment details.

1. Star Health and Allied Insurance Company Limited
Star Comprehensive Insurance Policy
Unique Features
It is a fully loaded Top end Floater Policy for the entire family with
High Sum Insured
Extended Benefits
No Sub Limits
No Capping on Room Rent
Restoration of Sum Insured
101 Day care Procedure
Sum Insured Options
5, 7.5, 10, 15, 20 and 25Lakhs
Age Eligibility
18 years – 65 Years. ( For entry age 61 yrs – 65 yrs Sum Insured restricted to a maximum of Rs.
7.50 Lakhs only which cannot be enhanced at any point of time subsequently)
Children of above 5 months can be Covered if Parent is Covered.
Beyond the age of 65 years only renewals are accepted.
Guaranteed renewal for life time.
Eligibility
Cover can be given to HIV + persons whose CD 4 count is not less than 350 at entry point
No claim payable for Opportunistic infections
No claim for treatment of HIV / AIDS
Coverage
Section
Coverage
Section - I
In-patient Hospitalization
Section - II
Delivery Charges, New Born Baby coverage and Vaccination benefits
Section - III
Out-Patient Dental / Ophthalmic coverage
Section - IV
Hospital Cash
Section - V
Cost of Health Check-up
Branch Office.: No.74, Chella Chamber, 2nd Floor, Covai Main Road,, Karur – 639 002 Ph. 04324 241545
CORPORATE OFFICE: No.1, New Tank Street, Valluvar Kottam High Road, Nungambakkam, Chennai - 600034. Ph: 044-28288800
Help Line.
99946 12916, 93628 54443
E-mail.: dhanasekaran.p@starhealth.in

2. Star Health and Allied Insurance Company Limited
Section I - HOSPITALISATION
Room Rent ,Boarding and Nursing Expenses - No Cap
ICU and Operation Theatre Expenses - No Cap
Surgeon, Anaesthetist, Medical Practitioner, Consultants, Specialist Fees - No Cap
Anaesthesia, Blood, Oxygen, Operation Theatre charges, Surgical Appliances, Medicines
and Drugs, Diagnostic Materials and X-ray, Dialysis, Chemotherapy, Radiotherapy, cost of
Pacemaker and similar expenses - No Cap
Ambulance Charges and Pre / Post Hospitalisation
Sum Insured (Rs.)
Ambulance Charges Per Policy Period (Rs.)
5 Lakhs
2000
7.5 Lakhs
3000
10 Lakhs
3500
15 Lakhs
4000
20 Lakhs
4500
25 Lakhs
5000
Pre Hospitalization Expenses - 30 Days
Post Hospitalization Expenses - 60 days
For these benefits prescriptions, bills / receipts / copy of reports to be submitted.
Section II - Delivery and New Born Baby Cover
Waiting period 36months
Maximum 2 deliveries. Waiting period between the first delivery claim and the second one
is 24 months.
Sum Insured (Rs.)
Normal Delivery (Rs.)
Caesarean Section Delivery (Rs.)
5 Lakhs
10,000
15,000
7.5 Lakhs
20,000
40,000
10 Lakhs -25 Lakhs
25,000
40,000
Branch Office.: No.74, Chella Chamber, 2nd Floor, Covai Main Road,, Karur – 639 002 Ph. 04324 241545
CORPORATE OFFICE: No.1, New Tank Street, Valluvar Kottam High Road, Nungambakkam, Chennai - 600034. Ph: 044-28288800
Help Line.
99946 12916, 93628 54443
E-mail.: dhanasekaran.p@starhealth.in

3. Star Health and Allied Insurance Company Limited
Delivery Benefit Limits
No Pre and Post Hospitalisation benefits for this Section
Both Insured and Spouse should be covered in the same policy throughout.
Section II - Delivery and New Born Baby Cover
New Born Baby Coverage for the remaining policy period
For Sum Insured (Rs.)
Limit of Coverage (Rs.)
5,00,000/-
50,000/-
7,50,000/- & above
1,00,000/-
Vaccination expenses up to Rs 1000/- incurred on the new born baby
Subject to Valid claim for Delivery
Covers congenital defects both internal and external
Claim made under this Section:
will not reduce the Sum Insured
will not affect Health Check-up benefit
will not be taken into account for Claims loading
Section - III - OP Dental and Ophthalmic Treatment
Dental & Ophthalmology Treatment is covered after a waiting period 36 Months
Can be taken as an Out-patient
Payable even if there is claim under Section I in the three year period
Can be claimed for Root Canal Treatment also
Purchase of spectacles
Limits
Sum Insured (Rs)
Amount payable subject to production of
Prescription and supporting Bills (Rs.)
5,00,000/- & 7,50,000/-
Up to Rs.5,000/-
10,00,000/- & above
Upto Rs.10,000/-
The claimant must have been insured continuously.
Claim made under this Section:
o will not reduce the Sum Insured
o will not affect Health Check-up benefit
o will not be taken into account for Claims loading
Branch Office.: No.74, Chella Chamber, 2nd Floor, Covai Main Road,, Karur – 639 002 Ph. 04324 241545
CORPORATE OFFICE: No.1, New Tank Street, Valluvar Kottam High Road, Nungambakkam, Chennai - 600034. Ph: 044-28288800
Help Line.
99946 12916, 93628 54443
E-mail.: dhanasekaran.p@starhealth.in

4. Star Health and Allied Insurance Company Limited
Section - III - OP Dental and Ophthalmic Treatment
For example :
A family of three persons 2A + 1C covered for a Sum Insured of Rs. 5 lakhs for 2 years :
2010-11 and 2011-12.
In 2012-13 another Child is added.
In 2013-14 a claim is made for Ophthalmic Section for the Child added in 2012 - 13.
Claim Not admissible because the 3 year waiting period has not been completed by the
child.
Section – IV Hospital Cash
Cash Benefit -maximum of 7 days per hospitalisation, provided there is an admissible claim
under Section I.
Maximum during one policy period – 120 days
Time excess : One Day
Sum Insured (Rs.)
Limits per day (Rs.)
5 Lakhs
500
7.5 Lakhs – 10 Lakhs
750
15 Lakhs – 20 Lakhs
1000
25 Lakhs
1500
Claim for Hospital cash will not affect the policy sum insured
Section – IV Cost of Health Check-up
Cost of Health Check-up up to the limits specified after a block of 3 Claim free years of
continuous coverage
Sum Insured (Rs.)
Limits (Rs.) on submission of bills / receipts / report copies
5 Lakhs
5,000/-
7.5 Lakhs – 10 Lakhs
7,500/-
15 Lakhs – 25 Lakhs
12,000/-
Benefit payable for insured persons who have been continuously insured under the policy .
Automatic Restoration of Sum Insured
Restoration facility in-built up to 100% for ALL sum insured options.
Branch Office.: No.74, Chella Chamber, 2nd Floor, Covai Main Road,, Karur – 639 002 Ph. 04324 241545
CORPORATE OFFICE: No.1, New Tank Street, Valluvar Kottam High Road, Nungambakkam, Chennai - 600034. Ph: 044-28288800
Help Line.
99946 12916, 93628 54443
E-mail.: dhanasekaran.p@starhealth.in

5. Star Health and Allied Insurance Company Limited
Restored Sum Insured can be utilized only for illness /disease unrelated to the illness
/diseases for which claim/s was /were made.
Restoration will be available for only Section I after fully exhausting the Original Sum
Insured.
Exclusions: Some important exclusions:
First 30-days exclusion (other than for accidents)
No First year exclusions- Only two year Exclusion.
PED – waiting period 48months
Non-allopathic treatments not covered
Enhanced External Counter Pulsation therapy and related therapies and Rotational Field
Quantum Magnetic Resonance Therapy excluded.
Claims Loading
Where the claims ratio for the preceding 2 consecutive years exceeds 100%, premium
loading as per the table given below would be applicable.
Average claims ratio of preceding 2 consecutive years (%)
Loading on Premium
>100 - 125
20%
126-150
30%
> 150
50%
Claims under Section I alone will be considered for Claims loading.
Co-payment
10% co-payment for persons entering between
thereafter
Co-payment applicable only for Section I claims
61 yrs and 65 yrs and continues
Portability
This policy is portable.
Inward portability can be accepted for policies of other Insurance Companies
Portability procedure to be followed
Continuity will be given ONLY for Section I benefit and NOT for any other Section
Branch Office.: No.74, Chella Chamber, 2nd Floor, Covai Main Road,, Karur – 639 002 Ph. 04324 241545
CORPORATE OFFICE: No.1, New Tank Street, Valluvar Kottam High Road, Nungambakkam, Chennai - 600034. Ph: 044-28288800
Help Line.
99946 12916, 93628 54443
E-mail.: dhanasekaran.p@starhealth.in

6. Star Health and Allied Insurance Company Limited
Comprehensive SCHEDULE OF BENEFITS
Sum Insured [in INR
5 Lacs
7.5 lacs
10 lacs
15 lacs
20 lacs
25 lacs
1.
Room Rental [Single
a/c room
Actual
Actual
Actual
Actual
Actual
Actual
2.
ICU/Operation Theater
Charges
Actual
Actual
Actual
Actual
`Actual
Actual
3.
Ambulance Charges –
Per Policy Period
Up to
Rs. 2000/-
Up to
Rs. 3000/-
Up to
Rs. 3500/-
Up to
Rs. 4000/-
Up to
Rs. 4500/-
Up to
Rs. 5000/-
4.
Pre Hospitalisation
Expenses incurred up
to
30 days
30 days
30 days
30 days
30 days
30 days
5.
Post Hospitalisation
Expenses incurred up
to
30 days
30 days
30 days
30 days
30 days
30 days
6a.
Delivery Coverage –
Normal Delivery
Up to
Rs. 10000-
Up to
Rs. 20000/-
Up to
Rs. 25000/-
Up to
Rs. 25000/-
Up to
Rs. 25000/-
Up to
Rs. 25000/-
6b.
Delivery by Caesarean
Sectin
Up to
Rs. 15000-
Up to
Rs. 40000/-
Up to
Rs. 40000/-
Up to
Rs. 40000/-
Up to
Rs. 40000/-
Up to
Rs. 40000/-
7.
Waiting Period for
Delivery
36 months
36 months
36 months
36 months
36 months
36 months
8.
Coverage for New Born
Child [Subject to valid
Up to
claim under 6a or 6b
Rs. 50000/above
Up to
Rs. 100000/-
Up to
Rs. 100000/-
Up to
Rs. 100000/-
Up to
Rs. 100000/-
Up to
Rs. 100000/-
9.
Vaccination Expenses
for New Born. [Subject
to a valid claim under
6a or 6b above]
Up to
Rs. 1000/-
Up to
Rs. 1000/-
Up to
Rs. 1000/-
Up to
Rs. 1000/-
Up to
Rs. 1000/-
Up to
Rs. 1000/-
Op Dental/opthal
Coverage – once in a
10
block of every 3 years
of continuous renewal
Up to
Rs. 5000/-
Up to
Rs. 5000/-
Up to
Rs. 10000/-
Up to
Rs. 10000/-
Up to
Rs. 10000/-
Up to
Rs. 10000/-
101
101
101
101
101
101
Hospital Cash 7 Days
per occurrence & 120
12.
days per policy period.
[1 day time excess]
Rs. 500/
Per day
Rs. 750/Per day
Rs. 1000/Per day
Rs. 750/Per day
Rs. 1000/Per day
Rs. 1500/Per day
Health Check Up once
13. in a block of
continuous renewal
Up to
Rs. 5000/-
Up to
Rs. 7500/-
Up to
Rs. 7500/-
Up to
Rs. 12000/-
Up to
Rs. 12000/-
Up to
Rs. 12000/-
100%
100%
100%
100%
100%
100%
11. Day Care Procedure
Restoration benefit
14. after exhaustion of
sum insured
Branch Office.: No.74, Chella Chamber, 2nd Floor, Covai Main Road,, Karur – 639 002 Ph. 04324 241545
CORPORATE OFFICE: No.1, New Tank Street, Valluvar Kottam High Road, Nungambakkam, Chennai - 600034. Ph: 044-28288800
Help Line.
99946 12916, 93628 54443
E-mail.: dhanasekaran.p@starhealth.in

7. Star Health and Allied Insurance Company Limited
Premium Star Comprehensive
Se rvice Tax Extra 12.36%
RATING SHEET
Sum
Insure d
(Rs .)
5,00,000
Sum
Insure d
(Rs .)
7,50,000
Sum
Insure d
(Rs .)
10,00,000
Sum
Insure d
(Rs .)
15,00,000
Sum
Insure d
(Rs .)
20,00,000
Plan
Type
5m -35
36-45
1A+1C
1A+2C
1A+3C
2A
2A+1C
2A+2C
2A+3C
9180
10950
15590
10420
13170
14800
17000
10120
12020
17060
12120
14340
16410
19150
Plan
Type
5m -35
36-45
1A+1C
1A+2C
1A+3C
2A
2A+1C
2A+2C
2A+3C
11340
13330
18990
13310
16660
18480
21020
12340
14490
20620
16330
18450
20260
22980
Plan
Type
5m -35
36-45
1A+1C
1A+2C
1A+3C
2A
2A+1C
2A+2C
2A+3C
13250
15000
20950
15560
19110
20920
23630
14670
16540
23030
18840
21510
23520
26210
Plan
Type
5m -35
36-45
1A+1C
1A+2C
1A+3C
2A
2A+1C
2A+2C
2A+3C
16230
19000
26450
19560
23760
25560
30630
18400
21540
29530
22840
26510
28520
33210
25710
31920
43250
37860
39910
42090
46480
5m -35
18730
21630
29810
22560
26760
28560
35090
36-45
20900
24810
33640
25840
29510
31520
37710
Age Band
46-50
28210
34920
48250
40860
42910
45090
50980
Plan
Type
1A+1C
1A+2C
1A+3C
2A
2A+1C
2A+2C
2A+3C
56-60
61-65
RENEWALS ONLY
66-70
71-75
More
19700
23580
30270
28560
31070
33330
36430
31420
36990
41360
38800
49800
53400
56000
39280
46240
51700
48500
62250
66750
70000
56-60
61-65
RENEWALS ONLY
66-70
71-75
More
26880
29470
38010
35670
38310
41350
45430
37660
44059
49066
47030
59235
64384
66731
47080
55080
61340
58790
74050
80480
83420
56-60
61-65
RENEWALS ONLY
66-70
71-75
More
32300
35060
44900
43470
45540
49570
54150
44972
47226
60670
57270
72987
77414
81103
56-60
61-65
29590
34040
50250
40330
44250
46610
51500
37300
42060
58900
47970
51040
55070
65150
51472
53726
73170
61770
81737
86164
93603
(Ye ars )
51-55
32590
37040
55250
43330
47450
50110
56000
56-60
40300
45560
64400
50970
54540
58570
70650
61-65
58431
76588
94745
64770
97237
101664
109103
Age Band (Ye ars )
46-50
51-55
14240
19480
23460
22400
23540
25390
28510
16190
20510
26900
23640
25810
28170
31200
Age Band (Ye ars )
46-50
51-55
17170
23330
28840
28020
29320
31500
34470
20600
24600
33550
29520
32280
34950
38380
Age Band (Ye ars )
46-50
51-55
20710
26920
33250
33860
34910
37090
39480
24590
29040
39250
35830
38750
41610
44000
Age Band (Ye ars )
46-50
51-55
56220
59040
75840
71590
91240
96770
101380
51070
60120
67210
63050
80930
86780
91000
61210
71610
79750
76430
96270
104630
108450
73090
76760
98600
93070
118620
125810
131800
66400
78160
87380
81970
105210
112820
118300
79580
93100
103680
99360
125160
136020
140990
95020
99790
128180
121000
154210
163560
171340
RENEWALS ONLY
66-70
71-75
More
61770
64480
87810
74130
98090
103400
112330
80310
83830
114160
96370
127520
134420
146030
104410
108980
148410
125290
165780
174750
189840
RENEWALS ONLY
66-70
71-75
More
70120
91160
118510
91910
119490 155340
113700 147810 192160
77730
101050 131370
116690 151700 197210
122000 158600 206180
130930 170210 221280
Above the Premium Excluding Service Tax [Service Tax 12.36%]
Branch Office.: No.74, Chella Chamber, 2nd Floor, Covai Main Road,, Karur – 639 002 Ph. 04324 241545
CORPORATE OFFICE: No.1, New Tank Street, Valluvar Kottam High Road, Nungambakkam, Chennai - 600034. Ph: 044-28288800