mumbai standalone health insurer star health allied insurance has recently announced the launch of a new health insurance product star comprehensive the product segregates the benefits on offer into five parts the first one focusses on inpatient hospitalisation where expenses related to 24hour hospitalisation 101 daycare procedures ambulance charges and pre and post hospitalisation are covered under section 2 delivery caesarean section as well as normal expenses are covered apart from those pertaining to the new born third section is concerned with outpatient dental and opthalmic treatment expenses which will be paid out once in a block of three years hospital cash benefits will be payable under section 4 for up to seven days per claim capped at 120 days in a year cost of health checkup is also borne by the policy once every three claimfree years in addition the policy will subject to conditions offer cover to hiv positive individuals provided the cd 4 count at the time of entry is above 350 a key feature in the policy is the replenishment of sum insured hospitalisation and daycare if it has been exhausted in a year however this facility will be extended only if the subsequent claims are not related to the initial claim the product also contains a claim loading clause that will kick in if the claim ratio exceeds 100 in two consecutive years depending your claim ratio premiums could rise by 2050 in the subsequent years those over the age of 60 will also have to arrange for 10 of the claim amount from their own resources before the company chips in with the balance upside the sum insured restoration facility is a key benefit offered under this plan it promises to reinstate the inpatient hospitalisation cover amount if the subsequent claim is for an ailment unrelated to the earlier claim downside at a time when many newage health insurers are doing away with the claim loading clause this product continues with the practice of hiking premiums in effect the clause penalises policyholders for making a claim