This Video is about What is Star Comprehensive Insurance, What is The Benefits You Will Get Star Comprehensive Insurance Policy & Term and Condition of Star Comprehensive Insurance. Best
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What is Star Comprehensive Insurance Plan ?
The Specific Feature of This Policy is it Offers Health Cover, Delivery and New Born cover, Dental and Ophthalmological Treatment, Hospital cash Benefit-all under a Single roof. Also Cover is Extended for Bariatric Surgery Where it is Performed For Medical Reasons.
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Eligibility Of Star Comprehensive Insurance Plan ?
1.TYPE OF COVER :- Individual & Floater
2. FAMILY MEMBER :- 2 Adults + 3 Children
3. ENTRY AGE :- For Minimum Entry Of Age is – 18 Years
For Maximum Entry Of Age is – 65 Years
For Dependent Children- 3 Months TO Maximum 25 Years
4.Sum Insured Options in Lac :- Minimum Sum Assured 5 Lakhs, 7.5, 10, 15, 20, 25, 50, 75
Maximum Sum Assured 1 Crore
5.Medical Screening :- Not Required
6.Policy Term :- 1 Year, 2 Years
7.Renewal Guaranteed :- Long-Life
8.Co-Payment :- 10% Co-Pay Applied if The Insured Age at Entry is Above 60 Years
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Benefits Of Star Comprehensive Insurance Plan ?
1.Hospitalization - Room Rent :- Private Single A/C Room (Actuals)
2.ICU Charges- Cover :- Covered Actual
3. Medical Professional Fess :- Covered Actuals
4.Others Medical Expenses :- Anesthesia, OT Charges, Blood, Oxygen, Medicines,X-Ray, Dialysis, Pacemaker, Radio & Chemotherapy e.t.c (Actual)
5. Road & Air Ambulance Charges :- Actuals Covered
6. Air Ambulance Upto Rs. 2.5 Lakhs Per Hospitalization and Maximum Upto Rs. 5 Lakhs Per Policy Year.
7.Pre Hospitalization Expenses :- Medical Expenses Incurred for a Period Not Exceeding 60 Days prior to the Date of Hospitalisation, For disease/illness, Injury (Actual Covered) Relevant to The Hospitalisation.
Like :- Blood, Oxygen, Medicines X-Ray, Dialysis e.t.c.
8.Post Hospitalization Expenses :- Medical Expenses Incurred for a Period Not Exceeding 90 Days prior to the Date of Discharge , For disease/illness, Injury (Actual Covered) Relevant to The Hospitalisation.
Like :- Blood, Oxygen, Medicines X-Ray, Dialysis, CT- ScanE.t.c.
9. Organ Doner Expenses :- Covered Actuals
Additional Sum Insured Up To Basic Sum Insured For The Complications (if any Necessitate a Redo Surgery / I.C.U Admission.
10. Day Care Procedure :- All Day Care Procedures / One Day treatment are Covered (Actuals)
11. Domiciliary Expenses :- Actuals Covered
Covered For The Period Exceeding Three Days.
12. Psychiatric & Psychosomatic :- Actuals Covered
13.Star Wellness Program :- Wellness Platform is Available Both in Our App “STAR POWER’’ & CUSTOMER PROTAL (Retail) The Insured Can Earn Reward Points and Avail Premium Discount Up-to 10 % On The Renewal Premium by Enrolling and Achieving The Wellness Goals. For Details Please Refer The Policy Wording – Prospects.
14.Bariatric Surgery :- Covered (Waiting Period 36 Months)
15.Ayush Treatment :- (Ayurveda, Unani, Sidha, Homeopathy e.t.c ) Covered
16.Delivery Expenses :- Covered (Waiting Period 2 Years)
17.OP Dental/ Ophthalmic Treatment :- Covered
18.Free Health Check-Up :- Limit As Per Sum Assured
19.Out Patient /Consultation Rs. :- Limit Per Sum Assured Covered
20.Hospital Cash Benefits Rs :- Limit Per Sum Assured Covered
21.No Claim Bonus :- For 5 Lakhs Sum Assured 1st Year 50 % & 2nd Year 50 % & Above 5 Lakhs 1st Year 100 % Of Sum Assured
22.Automatic Restoration :- CAN BE UTILLZED for illness/Disease for which Claim/s was were already Made During The Policy Year Up-to 100 % Sum Insured Per Policy Year.
23.Accidental Death & PTD :- Full Sum Assured is Accidental Death Cover (If, Only Proposer’s Death )
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When Will My Mediclaim Policy Covered Start ?
1.Accident Related :- START FROM DAY- 1
2.Surgical (Newly Diagnosed Critical illness ) :- START FROM DAY- 30
3.Non-Surgical ( Dengue, Jaundice, Malaria, Typhoid e.t.c) :- START FROM DAY- 30
4.For Specific diseases :- START FROM YEARS- 2
5.For Pre-existing diseases :- START FROM YEARS- 3
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Time Stamps:
00:00 Introduction & About This Video
00:53 What Is Star Comprehensive Insurance Plan ?
02:23 Eligibility Conditions
14:15 Benefits
15:33 When Will My Mediclaim Policy Covered Start ?
16:15 Specific Disease
18:20 Premium
18:54 My Opinion
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Ganesh Sarkar
Life & Health Insurance Advisor Of L.I.C & Star Health Insurance
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