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Star Health · SHAHLIP26044V092526

Star Comprehensive Insurance Policy

Star Health Star Comprehensive Insurance Policy (IRDAI UIN SHAHLIP26044V092526) is an individual and family floater health insurance plan with sum insured from 5 lakh to 1 crore (9 options). Pre-existing diseases are covered after 3 years.

Premiums depend on age, cover, city, health and the options you choose. Where the insurer published a premium, the figure shown is for the exact profile stated next to it; your premium will differ. Comparezi does not sell insurance or give advice: check the insurer's prospectus and policy wording, which prevail.

In short

Star Comprehensive Insurance Policy is a health insurance plan from Star Health. Key specifications: plan type Individual and family floater, room rent Single Private A/C Room, pre-existing disease waiting 36 months.

Sample premium ₹13,129 a year*

*For: 1 adult (plan type 1A), age band 3m-35, Sum Insured Rs 10,00,000, 1-year policy, Zone A, excluding tax. Your premium will differ.

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Plan type
Individual and family floater
Room rent
Single Private A/C Room
Pre-existing disease waiting
36 months
Sample annual premium
₹13,129

Cons

  • Co-payment: 10% of each and every claim for Insured Persons whose age at entry is 61 years and above

Full specifications

Cover

Plan type Individual and family floater
Sum insured options 5 lakh, 7.5 lakh, 10 lakh, 15 lakh, 20 lakh, 25 lakh, 50 lakh, 75 lakh, 1 crore
Highest sum insured 100 lakh
Entry age 18 years (adults); 91 days (dependent children) to 65 years
Room rent Single Private A/C Room
Co-payment 10% of each and every claim for Insured Persons whose age at entry is 61 years and above

Waiting periods

Initial waiting period 30 days
Pre-existing disease waiting 36 months
Specific illness waiting 24 months

Benefits

Pre-hospitalisation 60 days
Post-hospitalisation 90 days
Day-care treatment Yes
AYUSH treatment Yes
Restore benefit Basic Sum Insured automatically restored once in a Policy Year by 100% upon exhaustion of basic Sum Insured and accrued Cumulative Bonus (not available for Modern Treatment)
No-claim bonus Rs 5 lakh SI: 50% of basic SI per claim-free year up to 100%; Rs 7.5 lakh SI and above: 100% of basic SI per claim-free year up to 100%
Maternity Covered after 24 months waiting period (sub-limits by SI; max 2 deliveries; self and spouse must both be covered)
OPD Covered: OPD consultation Rs 300 per consultation, up to Rs 2,100 per policy period at Rs 10 lakh SI (limit varies by SI, cashless only); plus OPD dental and ophthalmic treatment limits per 3-year block

Premium

Sample annual premium ₹13,129
Sample premium is for 1 adult (plan type 1A), age band 3m-35, Sum Insured Rs 10,00,000, 1-year policy, Zone A, excluding tax

Insurer

Health incurred claim ratio (insurer) 70.3%
Claims figures for FY 2024-25: health incurred claim ratio including personal accident, IRDAI Annual Report (Statement 10)
Network hospitals (insurer) 16,000+
IRDAI UIN SHAHLIP26044V092526

About the Star Comprehensive Insurance Policy

Star Health Star Comprehensive Insurance Policy (IRDAI UIN SHAHLIP26044V092526) is an individual and family floater health insurance plan with sum insured from 5 lakh to 1 crore (9 options). Pre-existing diseases are covered after 3 years. It is one of 53 health insurance plans on Comparezi, from Star Health.

Information only. Comparezi does not sell insurance, does not give advice and is not paid by insurers. The policy wording issued by the insurer prevails over this summary.

Cover and limits

  • Plan type: Individual and family floater
  • Sum insured options: 5 lakh, 7.5 lakh, 10 lakh, 15 lakh, 20 lakh, 25 lakh, 50 lakh, 75 lakh, 1 crore
  • Entry age: 18 years (adults); 91 days (dependent children) to 65 years
  • Room rent: Single Private A/C Room
  • Co-payment: 10% of each and every claim for Insured Persons whose age at entry is 61 years and above

Waiting periods

  • Initial waiting period: 30 days
  • Pre-existing diseases: 3 years
  • Specific illnesses: 2 years

Benefits

  • Pre-hospitalisation: 60 days
  • Post-hospitalisation: 90 days
  • Day-care treatment: Covered
  • AYUSH treatment: Covered
  • Restore benefit: Basic Sum Insured automatically restored once in a Policy Year by 100% upon exhaustion of basic Sum Insured and accrued Cumulative Bonus (not available for Modern Treatment)
  • No-claim bonus: Rs 5 lakh SI: 50% of basic SI per claim-free year up to 100%; Rs 7.5 lakh SI and above: 100% of basic SI per claim-free year up to 100%
  • Maternity: Covered after 24 months waiting period (sub-limits by SI; max 2 deliveries; self and spouse must both be covered)
  • OPD: Covered: OPD consultation Rs 300 per consultation, up to Rs 2,100 per policy period at Rs 10 lakh SI (limit varies by SI, cashless only); plus OPD dental and ophthalmic treatment limits per 3-year block

How it compares on Comparezi

Of the 50 health insurance plans on Comparezi with a stated pre-existing disease waiting period, 9 have a shorter one and 40 have the same. Of the 49 health insurance plans on Comparezi with a stated post-hospitalisation period, 22 have a longer one and 19 have the same.

Premium

It depends on your age, cover, city and options. Star Health's own published premium table gives ₹13,129 a year for this profile: 1 adult (plan type 1A), age band 3m-35, Sum Insured Rs 10,00,000, 1-year policy, Zone A, excluding tax. Your premium will differ; get a quote from the insurer.

About the insurer

Star Health's health incurred claim ratio was 70.30% in FY 2024-25 (IRDAI Annual Report; includes personal accident). An incurred claim ratio compares claims with premiums earned; it is not the share of claims paid. Star Health states a network of 16,000+ hospitals.

Similar plans from other insurers

Other health insurance plans from Star Health

Sources

Checked 6 November 2026. Values the documents do not state are left out rather than estimated. See how Comparezi checks data.

Alternatives

Alternatives to the Star Comprehensive Insurance Policy

All health insurance →
  • Individual and family floater Plan type
  • SI up to 7.5 lacs: Single private Air Conditioned room; SI 10 lacs and above: any room category Room rent
  • 36 months Pre-existing disease waiting
Premium depends on your profile

Care Health

Ultimate Care

  • Individual and family floater Plan type
  • Up to SI Room rent
  • 36 months Pre-existing disease waiting
Sample premium ₹10,390 a year*

Narayana Health

Arya Health Insurance

  • Individual and family floater Plan type
  • At actuals at Preferred and Verified Provider Network; up to base Private AC room at Other/non-network providers Room rent
  • 36 months Pre-existing disease waiting
Premium depends on your profile

Narayana Health

Narayana Aditi

  • Individual and family floater Plan type
  • Plan 1/Plan 2: General Ward; Plus/Prime: Private Room at actuals at Preferred and Verified Provider Network Room rent
  • 36 months Pre-existing disease waiting
Premium depends on your profile

Similar cover

Similar health insurance plans

  • Individual and family floater Plan type
  • SI Rs 5/7.5 lakh: up to 1% of SI per day; SI Rs 10-25 lakh: any room (except suite or above category); SI Rs 50 lakh and above: any room Room rent
  • 36 months Pre-existing disease waiting
Sample premium ₹10,396 a year*

Star Health

Super Star

  • Individual and family floater Plan type
  • Any room Room rent
  • 36 months Pre-existing disease waiting
Sample premium ₹7,345 a year*

Head to head

Compare the Star Comprehensive Insurance Policy

Questions

Star Comprehensive Insurance Policy FAQs

It depends on your age, cover, city and options. Star Health's own published premium table gives ₹13,129 a year for this profile: 1 adult (plan type 1A), age band 3m-35, Sum Insured Rs 10,00,000, 1-year policy, Zone A, excluding tax. Your premium will differ; get a quote from the insurer.

SHAHLIP26044V092526. The UIN identifies the exact product version filed with IRDAI; check it on your policy documents.

3 years, as stated by the insurer.

Room rent as stated by the insurer: Single Private A/C Room.

Co-payment as stated by the insurer: 10% of each and every claim for Insured Persons whose age at entry is 61 years and above.

Maternity as stated by the insurer: Covered after 24 months waiting period (sub-limits by SI; max 2 deliveries; self and spouse must both be covered).

60 days before and 90 days after hospitalisation.

5 lakh, 7.5 lakh, 10 lakh, 15 lakh, 20 lakh, 25 lakh, 50 lakh, 75 lakh, 1 crore.

Data sources

  • Manufacturer official pages

Last updated

Product details

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