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Star Health
Star Comprehensive
Delivery and newborn, dental, eye treatment and hospital cash built into the policy rather than bought on top of it.
PLAN SELECTION
1 plan available with 9 sum insured options
What you should know first
Where this plan is strong, where to watch - and how it performs on what matters most.
At a glance
5 strong5 to watch
What's strong
- Bonus doubles your cover after one claim-free year (₹7.5 lakh up).
- Personal accident at 100% of cover, inbuilt for one member.
- Newborn covered from day 1, congenital defects included.
- Every day-care treatment qualifies - no procedure list to fail.
- Cataract uncapped; ambulance, AYUSH and ICU all to full cover.
What to watch
- Joining at 61 or older carries a lifetime 10% co-pay on every claim.
- Modern treatments capped - robotic surgery ₹3 lakh on ₹10 lakh cover.
- Restore opens only after base cover and the whole bonus are spent.
- Maternity pays a flat ₹15,000–₹1 lakh, and one claim wipes the bonus.
- Claim papers due within 15 days of discharge - half the usual window.
What Matters Most
FeatureKey DetailOur Verdict
Standard
Standard
Standard
Standard
Standard
Standard
Standard
Standard
Limited
Limited
Not covered
Not covered
Next
You’ve read the shape of this cover. Now put a real bill through it.
Policy Features Breakdown
Filter by the worry on your mind to see how this plan handles each concern - its sub-limits, waiting periods and the catches.
What are you worried about?
All Policy Features41 features
StandardCommonly Missed
Your room is covered at a Private Single A/C Room, which the policy defines as the most economical single-occupancy room the hospital has - not a deluxe room or a suite.
Coverage detailstap any row to understand it
Watch out
Take a room above that category and the insurer cuts the same proportion from your nursing, operation theatre and doctor's fees too.
StandardCommonly Missed
Anything a doctor diagnosed, advised or treated in the 36 months before your policy starts counts as pre-existing, and this policy pays nothing for it until you complete 36 months of continuous cover. You can buy that wait down to 12 months for extra premium, but only at your first purchase.
Coverage detailstap any row to understand it
Watch out
The buy-back needs a pre-acceptance medical test at a Star-nominated centre, and it is closed at renewal and closed if you ported in from another insurer. Even after 36 months, a pre-existing condition is paid only if you declared it in your application and the Company accepted it.
Standard
ICU charges are paid at actual cost up to your Sum Insured. There is no daily ICU cap and no separate ICU sub-limit anywhere in the policy. The policy also keeps ICU charges out of the proportionate deduction that applies when you take a room above your category, so a room upgrade does not reduce what the insurer pays for intensive care.
Coverage detailstap any row to understand it
StandardCommonly Missed
Once in a policy year the full Basic Sum Insured is added back, but only after both your Sum Insured and any accrued Cumulative Bonus are completely used up. The restored amount pays a later hospitalisation, including for an illness already claimed.
Coverage detailstap any row to understand it
The catch
The refill starts only after the cover and the bonus are completely used. If a bill uses part of your Sum Insured, nothing is added back. Day care, modern treatments, home care and organ donor claims cannot draw on it at all.
Limited
Each claim-free year adds bonus to your cover: 100% of the Basic Sum Insured at ₹7,50,000 and above, 50% at ₹5,00,000. Either way the bonus stops at 100% of the Basic Sum Insured. A claim cuts the accrued bonus back at the same rate it was earned, and a year that uses up both the cover and the bonus resets it to zero.
Coverage detailstap any row to understand it
The catch
A claim can take back the bonus you built. If a year uses up your whole Basic Sum Insured and your whole accrued bonus, the bonus granted at renewal is zero and you start again from nothing.
Not covered
This policy has no extra pool of cover sitting on top of your Sum Insured. The most a single hospitalisation can draw is your Basic Sum Insured plus any accrued Cumulative Bonus. The automatic restoration does not raise that limit either, because it pays only a subsequent hospitalisation.
Coverage detailstap any row to understand it
Specific Illness Waiting Periods
These conditions are covered after a waiting period - not excluded. Once the wait is over, they're treated like any other illness. Select a body region, or view the entire body, to see which ones this plan names.
How long you wait, for what
Accidents
Day 1Covered from the first day, with no waiting at all.
Illness, in general
30 daysAfter the first month, ordinary illness is covered.
The listed conditions
24 monthsEach one is then covered, like any other illness.
What you already had
36 monthsConditions you declared when you bought the plan.
Nothing more to prove
60 monthsAfter this, only proven fraud can be held against a claim.
Already diagnosed with one of these? A different rule applies - conditions you already have follow the pre-existing waiting period. See how that works
Entire Body
52 ConditionsWaiting Period: 24 months
Eyes, ENT & Thyroid
Cataract
Eye lens clouding (Cataract)
Head & Face
A clouding of the eye lens that makes vision blurry.
The exact words
“Treatment of Cataract and diseases of the anterior and posterior chamber of the Eye, Diseases of ENT, Diseases related to Thyroid, Benign diseases of the breast.”
Section III – Exclusions · 2. Specified disease/procedure waiting period – Code Excl 02 · F. List of specific diseases/procedures · pages 31–32
Retinal Detachment
Retina tearing
Head & Face
A serious eye problem where the back layer of the eye pulls away.
The exact words
“Treatment of Cataract and diseases of the anterior and posterior chamber of the Eye, Diseases of ENT, Diseases related to Thyroid, Benign diseases of the breast.”
Section III – Exclusions · 2. Specified disease/procedure waiting period – Code Excl 02 · F. List of specific diseases/procedures · pages 31–32
Retinal Disorders
Retina problems
Head & Face
Diseases affecting the back screen of the eye which is crucial for seeing.
The exact words
“Treatment of Cataract and diseases of the anterior and posterior chamber of the Eye, Diseases of ENT, Diseases related to Thyroid, Benign diseases of the breast.”
Section III – Exclusions · 2. Specified disease/procedure waiting period – Code Excl 02 · F. List of specific diseases/procedures · pages 31–32
Sinusitis and Rhinitis
Sinus and nasal allergy
Head & Face
Swelling inside the nose and face bones causing blockage or pain.
The exact words
“Treatment of Cataract and diseases of the anterior and posterior chamber of the Eye, Diseases of ENT, Diseases related to Thyroid, Benign diseases of the breast.”
Section III – Exclusions · 2. Specified disease/procedure waiting period – Code Excl 02 · F. List of specific diseases/procedures · pages 31–32
Deviated Nasal Septum
Bent nose bone problem
Head & Face
A bent bone inside the nose that makes breathing difficult.
The exact words
“Treatment of Cataract and diseases of the anterior and posterior chamber of the Eye, Diseases of ENT, Diseases related to Thyroid, Benign diseases of the breast.”
Section III – Exclusions · 2. Specified disease/procedure waiting period – Code Excl 02 · F. List of specific diseases/procedures · pages 31–32
Policy Exclusions
What this plan won’t pay for
We read all 36 exclusion clauses in this policy. 20 clauses change what you’d actually claim.
Never paid
10 clausesNo waiting period reaches these - the plan does not cover them at all.
Paid, but only if…
10 clausesWritten as exclusions, but the policy states a way in. The condition is the whole point.
Premium discounts
Ways to pay less
Every discount printed in this policy’s own documents - what it’s worth, who qualifies, and what it asks in return.
Just for qualifying
5 discountsNothing is given up in return - you either meet the condition or you don't.
Policy discount
up to
About the provider
Star Health
Filed plan · UIN SHAHLIP26044V092526
Comparisons· 10 pairs
Put it next to another plan
Star Comprehensive beside each of the other plans on the shelf: every clause that differs, read from the policy wording.
Sources
Everything on this page is read from the insurer’s own filings. It is an educational summary - not advice, not a recommendation to buy, and we sell nothing.
Plan facts last updated 17 Aug 2026.
IRDAI UIN: SHAHLIP26044V092526