Wide benefit mix
Hospitalisation, day care, outpatient consultation, maternity, newborn and organ-donor benefits are included subject to separate conditions.
Health insuranceEditorial review · Checked 22 July 2026
Star Health and Allied Insurance
Star Comprehensive Insurance Policy
A broad health policy that combines hospitalisation with selected outpatient, maternity, newborn, organ-donor and restoration benefits.
Product UIN shown by insurer: SHAHLIP26044V092526
Primary source
Star Health product pageAlways download the current policy wording and customer information sheet from the insurer.
Editorial verdict
Useful for families that want several healthcare needs under one policy, especially where maternity or OPD benefits matter. The benefit-specific limits and age-linked co-payment are essential reading before comparing its premium with simpler hospital-only plans.
Key features, decoded
What the headline benefits mean in practical comparison terms.
Restoration
The insurer describes automatic restoration of the basic sum insured once in a policy year.
Recovery expenses
The current product page lists 60 days of pre-hospitalisation and 90 days of post-hospitalisation cover.
Mid-term additions
A newly married spouse or newborn may be added mid-term with additional premium and within prescribed timelines.
May suit you if
- Families comparing hospital, maternity and newborn features together
- Buyers who value some OPD, dental or ophthalmic support
- People looking for restoration and lifelong renewability
May not suit you if
- Buyers above 60 who have not modelled the stated claim co-payment
- Anyone expecting every OPD bill to be reimbursed without a limit
- People who need maternity cover immediately after purchase
What the policy provides
Summary only. Each item remains subject to definitions, limits and the issued schedule.
- Eligible room, nursing, medical practitioner, medicine and procedure expenses during hospitalisation
- All qualifying day-care procedures under the wording
- AYUSH in-patient treatment up to applicable terms
- Road ambulance and specified air-ambulance expenses
- Organ-donor expenses linked to an admissible recipient claim
- Defined maternity, newborn, vaccination and outpatient benefits
Limits and trade-offs
- 1The insurer currently states a 10% co-payment for claims from age 61; verify the issued schedule.
- 2Maternity, newborn, OPD, dental and ophthalmic benefits have specific limits, waits or network conditions.
- 3Pre-existing and specified diseases are subject to applicable waiting periods unless an accepted optional cover changes them.
- 4Restoration does not necessarily increase the maximum payable for the same claim.
Eligibility and underwriting
The insurer describes adult entry ages from 18 to 65 for this product, subject to current rules.
Individual and floater eligibility, child entry and family composition follow the current prospectus.
Pre-insurance medical screening or underwriting terms may apply based on age and health disclosures.
How to evaluate a claim
Identify the benefit
Hospital, OPD, maternity and newborn claims use different limits and documents; start with the relevant schedule section.
Notify the insurer
For network treatment, follow Star Health's cashless intimation timeline; for reimbursement, note the filing deadline.
Document every expense
Collect reports, prescriptions, original invoices, discharge records and any maternity or newborn documentation.
Apply co-pay and limits
Estimate the payable amount after co-payment, non-medical deductions, benefit caps and the available sum insured.
Frequently asked questions
Does Star Comprehensive include maternity?
It includes defined delivery and newborn benefits, but waiting periods, sub-limits and eligibility conditions apply.
Is there a co-payment?
The insurer's current product information states no co-payment up to age 60 and a 10% co-payment from age 61. Your issued schedule and wording are final.
Are OPD expenses unlimited?
No. OPD consultation and related benefits operate within specified limits and network or documentation rules.
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