Star Comprehensive
Star Health · health insurance
“Why waste time say lot word, when few word do trick?”
Star's long-running flagship: a single private room, a fast-growing cumulative bonus and an optional 12-month PED buy-back. The 90-day post-hospitalisation window and the co-pay for late joiners are the trade-offs.
- 7.7/10 overall score
- Pricing band: Rs 15k-30k
- Best for: metro-families
Key facts
- Score
- 7.7/10
- Pricing
- Rs 15k-30k
- Best for
- metro-families
Plan details from the policy wording
Product UIN SHAHLIP26044V092526. Checked on 2026-10-18.
| Sum insured options | Rs 5L, 7.5L, 10L, 15L, 20L, 25L, 50L, 75L, 1Cr |
|---|---|
| Entry age | Adults 18 to 65 years; dependent children 91 days to 25 years |
| Room rent | Single private AC room |
| Co-payment | 10% on every claim if you join at 61 or older; none if you join before 61 and renew without a break |
| Pre-existing disease wait | 36 months (12 months if you opt for the buy-back option with pre-acceptance screening) |
| Initial waiting period | 30 days |
| Specific illness wait | 24 months |
| Restoration / reset | Automatic restoration of 100% of base sum insured, once a policy year |
| No-claim / cumulative bonus | Cumulative bonus 50% a year up to 100% at Rs 5L; 100% after one claim-free year at Rs 7.5L and above. A claim reduces it |
| Pre / post hospitalisation | 60 days before / 90 days after |
| Day care | All day care treatments |
| AYUSH | Covered up to sum insured |
| Notable optional add-ons | Buy-back option for a 12-month pre-existing disease wait |
Sources
Insurers revise wordings. The policy wording issued with your policy is what counts, so check it before you buy.
Detailed review
Pros
- Single private AC room covered, which suits most city hospitals
- Cumulative bonus can reach 100% after a single claim-free year at Rs 7.5 lakh and above
- Optional buy-back cuts the pre-existing disease wait to 12 months
Cons
- 10% co-pay on every claim if you join at 61 or older
- Post-hospitalisation cover is 90 days, shorter than the 180 days in several rival flagships
- Restoration is once a year, and a claim reduces the cumulative bonus
Our verdict
tldr.money editorial score: 7.7/10
Star's long-running flagship: a single private room, a fast-growing cumulative bonus and an optional 12-month PED buy-back. The 90-day post-hospitalisation window and the co-pay for late joiners are the trade-offs.
This is our editorial assessment, not a customer rating, and we do not publish testimonials. See how we score.
Alternatives to compare
| Criteria | Star Comprehensive | Star Health Assure | Star Health Young Star |
|---|---|---|---|
| Score | 7.7/10 | Not scored yet | Not scored yet |
| Pricing | Rs 15k-30k | Quote-based (age, city and cover) | Quote-based (age, city and cover) |
Swipe horizontally on mobile to compare.
FAQ
Does Star Comprehensive have a room-rent limit?
Single private AC room. Source: Star Comprehensive Insurance Policy prospectus, UIN SHAHLIP26044V092526.
What are the waiting periods in Star Comprehensive?
Initial: 30 days. Pre-existing diseases: 36 months (12 months if you opt for the buy-back option with pre-acceptance screening). Specific illnesses: 24 months.
Is there a co-payment in Star Comprehensive?
10% on every claim if you join at 61 or older; none if you join before 61 and renew without a break
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