Can I reduce the pre-existing disease waiting period?

Yes. If you buy the optional buyback cover by paying an additional premium, the wait for pre-existing diseases drops from 36 months to 12 months.

Does Star Comprehensive cover maternity and newborn expenses?

Yes. Delivery, including caesarean section, is covered for a maximum of 2 deliveries in your lifetime, along with newborn treatment and vaccination. Both spouses must have been covered for 24 continuous months, and the limits depend on your sum insured.

Is there outpatient (OPD) cover?

Yes, but the limits are small and the benefit is cashless only. Doctor consultations are paid at up to ₹300 each within a yearly limit, and acute dental and eye treatment is covered once in every 3-year block.

Does the sum insured get restored after a claim?

Yes. Once the basic sum insured and any cumulative bonus are used up, the basic sum insured is restored by 100%, once in a policy year, for both related and unrelated illnesses. It is not available for modern treatments.

Is there a co-payment?

Yes, for people who enter the policy at 61 or above. They pay 10% of every claim. It does not apply if you entered before turning 61 and renew without a break.

What discounts can I get on the premium?

You can get 5% for buying online, a long-term discount for 2-year and 3-year terms, a wellness discount of up to 10% on renewal premium, and a 5% discount at renewal for a favourable claim history.

Star Comprehensive Insurance Policy Review 2026

Star Comprehensive Insurance Overview

Star Comprehensive Insurance Policy is an indemnity health plan from Star Health and Allied Insurance for individuals and families. Sum insured options run from ₹5 lakh to ₹1 crore. Along with hospitalisation cover, it bundles extras that many standard plans leave out: outpatient consultations, dental and eye treatment, delivery and newborn cover, and automatic restoration of the sum insured for both related and unrelated illnesses. It can be taken on an individual or family floater basis for 1, 2 or 3 years.

India's most comprehensive standalone health plan — covers OPD, dental, and includes automatic restoration of sum insured.

Expert Review of Star Comprehensive Insurance

Star Comprehensive is built for buyers who want one policy to cover a lot: a high sum insured, a cumulative bonus that can reach 100%, restoration that works for related illnesses too, and built-in maternity and newborn cover. The trade-offs are the usual ones for a feature-heavy plan. The pre-existing disease wait is 36 months unless you pay for the buyback cover, delivery cover needs 24 months of continuous cover for both spouses, and the outpatient benefits have small yearly limits and are cashless only. People who enter at 61 or above also pay 10% of every claim. If you are young, planning a family and want maternity and a large cover under one policy, it deserves a close look. If outpatient spending is your main worry, treat the OPD benefit as a small extra, not a core feature.

Pros

Nine sum insured options, from ₹5 lakh up to ₹1 crore.
The basic sum insured is restored by 100% once a policy year, and it works for both related and unrelated illnesses.
Cumulative bonus builds up to 100% of the basic sum insured (100% per claim-free year from ₹7.5 lakh, 50% per year at ₹5 lakh).
Delivery and newborn cover is built into the plan instead of being sold separately.
An optional buyback cover cuts the pre-existing disease wait from 36 months to 12 months.
Useful extras are included: air ambulance, home care treatment, organ donor expenses and a list of modern treatments.
Several premium discounts: 5% for buying online, up to 12.5% on the third-year premium for a 3-year term, up to 10% wellness discount on renewal and 5% for a good claim history.

Cons

Pre-existing diseases are covered only after 36 months, unless you buy the buyback cover.
10% co-payment on every claim for people who enter the policy at 61 or above. It does not apply if you entered before 61 and renew without a break.
Delivery cover needs both spouses insured for 24 continuous months, and pays for a maximum of 2 deliveries in a lifetime.
Outpatient benefits are small and cashless only. Consultations are capped at ₹300 each, with a yearly limit of ₹1,200 at a ₹5 lakh sum insured.
Automatic restoration is not available for modern treatments.

About Star (Insurer Profile)

Star Health Insurance

Key Insights

Founded

2006

Star Health Insurance was established 20 years ago and has built strong credibility over time, backed by its long-standing presence in the market.

Claims Experience

90% CSR, calculated as a 3-year average

Star Health Insurance settles 90% of all claims it receives.

Network Hospitals

14,000+

Star Health Insurance has a network of 14,000+ hospitals, ensuring wide accessibility and convenience for policyholders.

Star Comprehensive Insurance Features and Benefits

Sum insured options

Choose from ₹5 lakh, ₹7.5 lakh, ₹10 lakh, ₹15 lakh, ₹20 lakh, ₹25 lakh, ₹50 lakh, ₹75 lakh or ₹1 crore, on an individual or family floater basis.

Automatic restoration of sum insured

Once the basic sum insured and any cumulative bonus are used up, the basic sum insured is restored by 100%, once in a policy year. The restored amount can be used for all claims in that policy period, for both related and unrelated illnesses.

Not available for modern treatments.

Cumulative bonus

From a ₹7.5 lakh sum insured, you earn a bonus of 100% of the basic sum insured for each claim-free year. At ₹5 lakh the bonus is 50% for each claim-free year. In both cases it is capped at 100% of the basic sum insured.

Delivery and newborn cover

Covers in-patient delivery expenses, including caesarean section and prenatal and post-natal care, for a maximum of 2 deliveries in your lifetime. Limits rise with the sum insured: normal delivery from ₹15,000 (at ₹5 lakh) up to ₹50,000, caesarean from ₹20,000 up to ₹1,00,000, and treatment of the newborn from ₹1,00,000 up to ₹2,00,000 at the highest sums insured. Newborn vaccination is covered up to ₹5,000 a year (₹10,000 above a ₹25 lakh sum insured) until the baby turns one or is added to the policy at renewal.

Both spouses must have been covered for 24 continuous months. A fresh 24-month wait applies after a delivery claim.

In-patient hospitalisation

Covers room rent (single private A/C room), boarding and nursing, ICU charges, surgeon, anaesthetist and specialist fees, operation theatre charges, blood, oxygen, medicines, diagnostics, dialysis, chemotherapy, radiotherapy, and the cost of pacemakers and stents, up to the sum insured.

Pre and post hospitalisation

Medical expenses are covered for 60 days before you are admitted and for 90 days after you are discharged.

Day care treatment

All day care procedures are covered up to the sum insured.

Modern treatments

Covered up to the limits in the policy wording: robotic surgeries, oral chemotherapy, immunotherapy (monoclonal antibody injections), stem cell therapy for bone marrow transplant, stereotactic radio surgeries, intra-vitreal injections, deep brain stimulation, balloon sinoplasty, bronchial thermoplasty, laser prostate vaporisation, intra-operative neuro monitoring, uterine artery embolisation and HIFU.

AYUSH treatment

In-patient treatment under Ayurveda, Unani, Siddha and Homeopathy in an AYUSH hospital is covered up to the sum insured.

Yoga and Naturopathy claims need prior approval from the insurer.

Outpatient dental and eye treatment

Acute treatment of a natural tooth or the eye is covered once in every block of 3 continuous years: ₹5,000 for ₹5 lakh and ₹7.5 lakh, ₹10,000 for ₹10 lakh to ₹25 lakh, and ₹15,000 above ₹25 lakh.

Payable on a cashless basis only.

Outpatient doctor consultations

Consultations other than dental and eye are covered at up to ₹300 each. The yearly limit depends on your sum insured, from ₹1,200 at ₹5 lakh to ₹5,000 at ₹50 lakh and above.

Payable on a cashless basis only.

Hospital cash benefit

A fixed daily amount is paid for each completed day of hospitalisation, for up to 7 days per hospitalisation and 120 days in a policy period. The daily amount runs from ₹500 at ₹5 lakh to ₹2,500 at ₹50 lakh and above.

Subject to a 1-day deductible.

Air ambulance

Air ambulance charges are reimbursed up to ₹2,50,000 per hospitalisation, with a limit of ₹5,00,000 in a policy year.

Road ambulance

Road ambulance expenses are covered up to the sum insured for transport to a hospital, from one hospital to another for better treatment, or from the hospital to your home.

Home care treatment

Treatment taken at home for specified conditions is paid up to 10% of the sum insured, subject to a maximum of ₹5 lakh in a policy year.

Domiciliary hospitalisation

Treatment taken at home for more than three days is covered when the patient cannot be moved to a hospital or no hospital room is available.

Not covered under this benefit: asthma, bronchitis, diabetes, hypertension, influenza, cough and cold, arthritis, gout, psychiatric disorders and a few other conditions.

Organ donor expenses

In-patient expenses for transplanting an organ from the donor to you are covered if the transplant claim is payable. Complications that need a redo surgery or ICU admission for the donor are covered too, over and above the limit of coverage and up to the basic sum insured.

Bariatric surgery

Hospitalisation for bariatric surgery and its complications is covered up to ₹2,50,000 for sums insured from ₹5 lakh to ₹15 lakh, and ₹5,00,000 above ₹15 lakh, in a policy period.

The limit is part of the base sum insured. A 36-month waiting period applies.

Preventive health check-up and digital care

A preventive health check-up at network providers (Package A for ₹5 lakh to ₹10 lakh, Package B above ₹10 lakh), unlimited tele-consultations on the Star Health app, an e-domestic second medical opinion, and an AI face-scan on the app to check vitals up to twice a month per person.

Premium discounts

5% for buying online, a long-term discount (10% on the second-year premium for a 2-year term; 10% on the second year and 12.5% on the third year for a 3-year term), a wellness discount of up to 10% on renewal premium, and a 5% discount at renewal for a favourable claim history.

The wellness discount applies only to insured persons aged up to 59. For floaters, the eldest member is considered.

Policy term and instalments

Choose a 1, 2 or 3-year term. Premium can be paid monthly, quarterly or half-yearly. It also depends on your zone of residence (Zone A to Zone E).

Add-ons of Star Comprehensive Insurance

Buy back of pre-existing disease waiting period

On paying an additional premium, the waiting period for pre-existing diseases reduces from 36 months to 12 months.

Accidental death and permanent total disablement

Pays out if an accident leads to death or permanent total disablement. The sum insured for this cover is shown separately in the policy schedule, and it is available for one insured person as opted by the proposer.

Dependent children and persons above 70 can be covered up to ₹10 lakh.

What Star Comprehensive Insurance Does Not Cover (Exclusions)

Conditions or treatments that the policy clearly says it will not cover.

Admissions primarily for diagnostics and evaluation only
Rest cure, rehabilitation and respite care
Change of gender treatments
Cosmetic or plastic surgery
Treatment arising from a breach of law
Treatment for alcoholism, drug or substance abuse or any addictive condition, and its consequences
Unproven treatments
Intentional self-injury
Hospitalisation that is not medically necessary
This is a summary of key exclusions. Read the policy wording for the complete list.

Disclaimer: For illustration purposes only - exact terms are in the policy wording.

Star Comprehensive Insurance FAQs

What sum insured can I choose in Star Comprehensive Insurance Policy?

You can choose ₹5 lakh, ₹7.5 lakh, ₹10 lakh, ₹15 lakh, ₹20 lakh, ₹25 lakh, ₹50 lakh, ₹75 lakh or ₹1 crore.

Who can be covered, and what is the entry age?

Adults can enter between 18 and 65 years. Dependent children can be covered from 91 days to 25 years under a family floater policy.

What are the waiting periods in this plan?

There is a 30-day initial waiting period, 24 months for specified diseases and procedures, 36 months for pre-existing diseases and bariatric surgery, and 24 months for delivery and newborn expenses.

Star Comprehensive Insurance