| PLAN NAME | Star Comprehensive Plan | Young Star Plans | Family Health Optima |
|---|---|---|---|
| Entry Age | Adults -18 age to 65 year/for children- 91 days to 25 years | For Adults: 18 years – 40 years, 2 A + 3c, (Children: 91days - 25 year) | Adults -18 age to 65 year /for children- 91 days to 25 years |
| Type of cover | For Individuals & Family | For Individuals & Family | For Individuals & Family |
| Renewal | Lifelong | Lifelong | Lifelong |
| Policy Term | Policy Term One Year, Two years & Three years | Policy Term One Year, Two years & Three years | Yearly |
| Pre Policy Medical Checkup | Not Required | Not Required | Not Required |
| Sum Insured Options | 5L|7.5 L |10 L |20 L|25L|50L|75L|1 Cr. | 5L|10 L|20 L|25L|50L|75L|1 Cr. | 3L, 4L, 5L, 10L, 15L, 20L, 25L |
| Hospitalization - Room Rent | Private Single AC Room ( Icu, Dr.Fees, Tests, Medicines.) | Private Single AC Room ( Icu, Dr.Fees, Tests, Medicines.) | Private Single AC Room ( Icu, Dr.Fees, Tests, Medicines.) |
| Road Ambulanc Charges | Covered upto actual expense | Covered upto actual expense | Up to Rs.750/- per hospitalization and overall limit of Rs.1,500/- per policy period |
| Pre & Post Hospitalization | 60 days & 90 days(Actuals) | 60 days & 90 days(Actuals) | 60 days & 90 days(Actuals) |
| Organ Donor Expenses | Covered (Actuals) Additional upto SI | Not Covered | 10 % of Sum insured or Rs 1 Lakhs whichever is less payable provided Insured |
| Day Care Procedures | All day care procedures are covered | All day care procedures are covered | All day care procedures are covered |
| Domiciliary hospitalization | Covered Upto Sum insured But after 3 days | Not Covered | Covered (Actuals) - Covered for the period exceeding three days |
| Air Ambulance | Covered. Sub Limits | NOT COVERED | 10 % of Sum Insured, Available for Rs 5 Lakhs and above Sum Insured |
| Accidental Death & PTD | 5L|7.5L|10L|20L|25L|50L|75L|1Cr. | Not Covered | Not Covered |
| Bariatric Surgery | Waiting Period 36 months covered | Not Covered | Not Covered |
| Ayush Treatment | For Ayurveda, Unani, Sidha & Homepath )Covered | NOT COVERED | For Ayurveda, Unani, Sidha & Homepath )Covered |
| Pregnancy( maternity) benefits | Coverd 24 months waiting period. Sublimts according to SI | Gold plan in covered after 36 months with sub limits | Not Covered |
| OP Dental/Ophthalmic treatment | After every block of 3 policy yrs | Not Covered | Not Covered |
| Health Check-up benefit (Rs.) | For every claim free year | For every claim free year | For every claim free year |
| Out patient consultation benefits | Covered. But With Sublimts | Not Covered | Not Covered |
| Hospital Cash Benefit | Covered. But With Sublimts | Gold plan in covered with sub limits | Not Covered |
| No Claim Bonus | Up to 100% | Up to 100% | Up to 100% |
| Restoration of cover | Covered | Covered | Covered |
| E-consultation | Covered | Covered | Covered |
| Worldwide coverage | Not Covered | Not Covered | Not Covered |
| Initial waiting period | 30 days | 30 days | 30 days |
| For Specific disease | 24 months | Covered after 1 year | 24 months |
| Existing Illness cover | Covered after 3 years | Covered after 1 years | Covered after 3 years |
| Cashless hospitals | 13000+ hospitals | 13000+ hospitals | 13000+ hospitals |
| Modern treatments | Sublimits according to Sum insured | Sublimits according to Sum insured | Sublimits according to Sum insured |
| Brochure | Downlod Brochure | Downlod Brochure | Downlod Brochure |