Insurance

Star Comprehensive Insurance Policy

A Comprehensive Health Insurance by Star Insurance will ensure to reduce your financial burden with an apt comprehensive health insurance plan that reduces sky rocket medical cost.

Policy typeComprehensive health insurance policy available on an individual or family-floater basis InsurerStar Health and Allied Insurance Co. Ltd.Entry ageAdults aged 18–65 years at entry; dependent children from 3 months up to 25 years. Continuous renewals have no upper age limit.

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✓ Manually checked 30 Aug 2026 · active

Bank of Baroda Star Comprehensive Insurance Policy

Offered byBank of Baroda

India; eligibility, branch and channel availability follow the official product terms

Key facts

What the official sources publish

Every value belongs to this exact product. Expand any fact to inspect its official evidence in place.

Policy typeComprehensive health insurance policy available on an individual or family-floater basisView source

The official page describes comprehensive health insurance and says the policy is available on both individual and family-floater basis.

Source: Star Comprehensive Insurance Policy
Page / section: Overview; Eligibility
Accessed: 29 Aug 2026
Confidence: high

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InsurerStar Health and Allied Insurance Co. Ltd.View source

The product is identified as Star Comprehensive Insurance Policy and the disclaimer states that insurance products are underwritten by the respective insurance company; the Star Health product title identifies Star Health as the insurer.

Source: Star Comprehensive Insurance Policy
Page / section: Product title and disclaimer
Accessed: 29 Aug 2026
Confidence: high

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Entry ageAdults aged 18–65 years at entry; dependent children from 3 months up to 25 years. Continuous renewals have no upper age limit.View source

The eligibility section publishes adult entry ages of 18–65, dependent-child ages from 3 months to 25 years and no upper age limit for continuous renewals.

Source: Star Comprehensive Insurance Policy
Page / section: Eligibility
Accessed: 29 Aug 2026
Confidence: high

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Key coverageNo capping on room rent (private single A/C room); bariatric surgery and complications; air ambulance and second medical opinion; health check-up after claim-free years; maternity and newborn cover; 100% automatic restoration of sum insured; OPD dental/ophthalmic cover; hospital cash; all day-care procedures; personal accident cover equal to health cover; 100% increase in sum insured on a claim-free renewal.View source

The official Benefits list publishes each included benefit and the Eligibility section states that a family includes self, spouse and dependent children, not exceeding three children.

Source: Star Comprehensive Insurance Policy
Page / section: Benefits; Eligibility
Accessed: 29 Aug 2026
Confidence: high

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Restoration and no-claim increase100% automatic sum-insured restoration; 100% sum-insured increase on claim-free renewalView source

The page publishes 100% restoration and 100% claim-free increase.

Source: Star Comprehensive Insurance Policy
Page / section: Benefits
Accessed: 20 Aug 2026
Confidence: high

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Family compositionSelf, spouse and up to 3 dependent childrenView source

The family floater eligibility limits dependent children to three.

Source: Star Comprehensive Insurance Policy
Page / section: Eligibility
Accessed: 20 Aug 2026
Confidence: high

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Star Comprehensive benefitsStar Comprehensive has no room-rent capping (private single A/C room), covers bariatric surgery and complications, air ambulance, second medical opinion, claim-free health check-up, maternity and newborn, hospital cash, all day-care procedures, outpatient dental/ophthalmic care, 100% automatic restoration of sum insured and personal-accident death/permanent-total-disablement cover at no additional cost.View source

The official Benefits section enumerates the room, treatment, restoration, accident and claim-free renewal benefits.

Source: Star Comprehensive Insurance Policy
Page / section: Benefits
Accessed: 23 Aug 2026
Confidence: high

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Star Comprehensive eligibilityEntry age is 18 to 65 years; dependent children may be covered from 3 months to 25 years. The policy is available individually or as a family floater for self, spouse and up to three dependent children, with no upper age limit for continuous renewals.View source

The official Eligibility section publishes entry, child, family-floater and renewal rules.

Source: Star Comprehensive Insurance Policy
Page / section: Eligibility
Accessed: 23 Aug 2026
Confidence: high

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Sum insured / cover₹5,00,000; ₹7,50,000; ₹10,00,000; ₹15,00,000; ₹20,00,000; ₹25,00,000; ₹50,00,000; ₹75,00,000; or ₹1,00,00,000, on an individual or family-floater basis.View source

The prospectus lists all nine available sum-insured options from ₹5 lakh to ₹1 crore.

Source: Prospectus — Star Comprehensive Insurance Policy (V.4)
Page / section: Page 1 — Sum Insured Options
Accessed: 29 Aug 2026
Confidence: high

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Policy termOne year or two years. A 30-day renewal grace period preserves waiting-period continuity when renewal is completed within the grace period.View source

The prospectus states 1-year and 2-year terms and a 30-day renewal grace period.

Source: Prospectus — Star Comprehensive Insurance Policy (V.4)
Page / section: Page 1 — Policy Term; Page 6 — renewal procedure
Accessed: 29 Aug 2026
Confidence: high

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Waiting periodInitial illness waiting period: 30 days (accidental claims are excepted). Listed diseases/treatments: 24 continuous months. Pre-existing diseases: 36 continuous months. Maternity/newborn benefit: 24 months. Bariatric surgery: 36 months. The optional first-purchase cover can reduce the pre-existing-disease wait from 36 to 12 months for the selected sum insured after medical screening; portability rules apply.View source

The prospectus publishes 30-day, 24-month and 36-month waits, plus maternity/bariatric conditions and the optional 12-month PED reduction.

Source: Prospectus — Star Comprehensive Insurance Policy (V.4)
Page / section: Pages 2, 4, 6 — special conditions and waiting periods
Accessed: 29 Aug 2026
Confidence: high

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PremiumPremium is age-, family-composition-, sum-insured- and term-dependent. The dated benefit illustration shows, excluding taxes, ₹25,750 for an individual aged 64 with ₹5,00,000 cover; ₹18,700 for age 58; and family-floater examples of ₹38,800 for 2 adults and ₹23,540 for 2 adults plus 1 child, each at ₹5,00,000. The prospectus also illustrates ₹17,615 per year for a 40-year-old individual with ₹25,00,000 cover and ₹34,220 for a 2-adult/2-child floater at ₹25,00,000; these are examples, not current quotes.Effective 1 Jul 2022View source

The insurer labels these as standard illustrations and says premiums exclude applicable taxes; actual premium varies by age, cover and underwriting.

Source: Benefit Illustration — Star Comprehensive Insurance Policy
Page / section: Page 1 — premium illustrations; Prospectus pages 5 and 8 — premium examples/charts
Accessed: 29 Aug 2026
Confidence: high

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Key exclusionsThe prospectus exclusions cover circumcision and related procedures, congenital external defects except eligible newborn cover, investigation-only admissions, pregnancy except the stated maternity section, infertility, cosmetic/plastic surgery, non-prescription drugs, substance abuse, self-inflicted injury, dental/OPD outside the stated benefits, excluded providers, treatment outside India and other exclusions in the policy wording. Waiting-period conditions apply to listed diseases and pre-existing diseases.View source

The prospectus publishes the exclusions section and directs customers to the full policy wording for the complete legal list.

Source: Prospectus — Star Comprehensive Insurance Policy (V.4)
Page / section: Pages 5–7 — What are the exclusions under this policy?
Accessed: 29 Aug 2026
Confidence: high

Open official source ↗

Co-payment10% of each claim applies to fresh and renewal policies for insured persons entering above age 60. It does not apply where the person entered before age 60 and renews continuously without a break; the prospectus lists the affected sections.View source

The prospectus states 10% co-payment for entry above age 60 and the continuous-renewal exception.

Source: Prospectus — Star Comprehensive Insurance Policy (V.4)
Page / section: Page 6 — Co-Payment
Accessed: 29 Aug 2026
Confidence: high

Open official source ↗

Geographic limitsNo capping on room rent (private single A/C room); bariatric surgery and complications; air ambulance and second medical opinion; health check-up after claim-free years; maternity and newborn cover; 100% automatic restoration of sum insured; OPD dental/ophthalmic cover; hospital cash; all day-care procedures; personal accident cover equal to health cover; 100% increase in sum insured on a claim-free renewal.View source

The manually reviewed product record states: “No capping on room rent (private single A/C room); bariatric surgery and complications; air ambulance and second medical opinion; health check-up after claim-free years; maternity and newborn cover; 100% automatic restoration of sum insured; dental/ophthalmic cover; hospital cash; all day-care procedures; personal accident cover equal to health cover; 100% increase in sum insured on a claim-free renewal.”.

Source: Star Comprehensive Insurance Policy — official product page
Page / section: Published product metadata
Accessed: 20 Aug 2026
Confidence: high

Open official source ↗

Benefits and features

No capping on room rent (private single A/C room)
bariatric surgery and complications
air ambulance and second medical opinion
health check-up after claim-free years
maternity and newborn cover
100% automatic restoration of sum insured
dental/ophthalmic cover
hospital cash
all day-care procedures
personal accident cover equal to health cover
100% increase in sum insured on a claim-free renewal.

Eligibility

Entry age is 18 to 65 years
dependent children may be covered from 3 months to 25 years. The policy is available individually or as a family floater for self, spouse and up to three dependent children, with no upper age limit for continuous renewals.

Passing a listed condition does not mean the bank will approve an application.

Try the numbers

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Life-cover needs estimate

See whether your current cover and savings may leave a gap for your family. This does not calculate an insurance premium.

Yearly household income to replaceThe income your family may need to replace.₹ten lakh rupees₹1,00,000₹1,00,00,000Years of income neededHow long your family may need that replacement income. years1 years30 yearsLoans still to be paidHome loans and other debts the cover may need to clear.₹twenty lakh rupees₹0₹5,00,00,000Cover and savings already availableExisting life cover and money already set aside for the family.₹five lakh rupees₹0₹5,00,00,000

Possible cover gap₹1,15,00,000one crore fifteen lakh rupees

Income your family may need₹1,00,00,000one crore rupees

Cover and savings already counted₹5,00,000five lakh rupees

This is only an estimate, not a bank or insurer offer. The final amount can change because of taxes, fees, rate changes and provider rules.

Use the published table

Find the exact published value

Choose a table, then pick its row and column. This shows the exact entry published by the bank or insurer without making you scan every cell.

TableBenefit

Room rent · Published detailNo capping; private single A/C room

This value is copied from Star Comprehensive Insurance Policy — published benefits. Check the table notes before relying on it.

Source: Star Comprehensive Insurance Policy · Benefits Open official source ↗

Published tables

Complete rates, limits and schedules

Tables preserve every reviewed row and column from the cited official source.

Table 1 · 6 rows · 2 columnsStar Comprehensive Insurance Policy — published benefitsBenefits listed on the official Bank of Baroda product page.View tableHide table