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Star Health Comprehensive

Introduction to Star Health Comprehensive

Star Health Comprehensive is a health insurance policy offered by Star Health and Allied Insurance Company Limited. A health insurance plan protects you from unexpected medical expenses, which can be a significant financial burden. You can ensure that you and your family receive the required medical care without having to worry about the costs associated with it. Star Health's Comprehensive Plan provides comprehensive coverage as well as some unique features and benefits to meet your medical needs.

Verdict: Star Health Comprehensive

Although this plan covers several expenses in addition to hospitalization and related expenses, such as maternity expenses, outpatient department costs, bariatric surgery costs, etc., it is more expensive than other plans. Additionally, it doesn’t offer a monthly premium payment option - so you won’t be able to pay your premiums on a monthly basis. Further, according to our research, the insurer has received a higher number of claim settlement and policy purchase complaints. This indicates that they have a poor track record in terms of both purchase and claims service.

Pros & Cons: Star Health Comprehensive

  • arrow Covers outpatient department costs, such as medications, tests, consultations, etc.
  • arrow Covers expenses associated with pregnancy
  • arrow Covers Bariatric surgery for weight loss
  • arrow Slightly costlier than other products in the market
  • arrow Limitations on the type of hospital room you choose
  • arrow Monthly premium payment mode not available
  • arrow Received higher number of complaints during policy purchase compared to other insurers
  • arrow Received higher number of complaints on claim settlement compared to other insurers
  • arrow Our study observed their responses on Twitter to be relatively slower than other insurers

Specific Exclusions: Star Health Comprehensive

01 Circumcision unless necessary for treating a disease or injury
02 Treatment related to external birth diseases, defects or anomalies
03 Convalescence, general debility, run-down condition, Nutritional deficiency states
04 Treatment related to intentional self inflicted injury
+ Show 11 more

Special Conditions: Star Health Comprehensive

01 Under Organ Donor Cover, expenses for treating complications in a Donor's surgery are covered
02 Under Organ Donor Cover, additional cover over sum insured is available


About Star Health and Allied Insurance Company Limited

Star Health and Allied Insurance Company Limited logo

Star Health and Allied Insurance Company Limited is India’s first Standalone Health Insurance provider. The company offers products that cater to everybody, be it individuals, families, or corporations. It was founded in 2006 and is headquartered in Tamil Nadu, Chennai. Mr. V. Jagannathan is the company's chairman and CEO.

Founded in
2006
JV Partners
-
Turnover (GWP)
10,695.01 Crores
Number of Policies
75,73,624
Number of Claims
18,05,685

Detailed Product Specs: Star Health Comprehensive

Claims Experience advisor
Customer Service advisor
Product Benefits advisor
Limits and Exclusions advisor
% of claims settled in less than 30 days
Reflects on the speed of settling valid claims
92.55%
% of Complaints received on overall claims
% customers unhappy with claims experience
0.34%
Claims Incurred Ratio
77.89%
Claim Settlement Ratio (No. of claims)
What % of the claims received were paid?
77.72%
No. of Cashless Hospitals
13,000+
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