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Last updated on: September 22, 2025
The Star Comprehensive Plan and Tata AIG Global Combo Plan both offer extensive health insurance coverage but cater to different needs. The Star Comprehensive Plan is ideal for families seeking broad domestic coverage, featuring high sum insured options, maternity benefits, day-care procedures, AYUSH treatment, and restoration benefits with no room rent cap. In contrast, the Tata AIG Global Combo Plan is designed for those needing both domestic and international health coverage, combining the benefits of a robust Indian health plan with overseas medical insurance for global travel or treatment. While Star excels in extensive family-centric benefits within India, Tata AIG’s Global Combo stands out for frequent travelers or expatriates requiring worldwide protection. The best choice depends on whether your priority is comprehensive Indian health benefits (Star) or a blend of domestic and overseas medical coverage (Tata AIG).
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One of the most crucial financial decisions in modern India is to select the appropriate health insurance policy in the family. As medical expenses continue to rise and accidents remain uncertain, there is a high demand in 2025, in the all-inclusive but affordable health insurance. Policy seekers tend to compare the Star Comprehensive Plan and Tata Aig Global Combo Plan among the best ones. Both are large in terms of coverage, useful add-ons, and helpful customer service, but which one suits you better?
This paper will compare and contrast the Star Comprehensive and Tata AIG Global Combo in terms of their features, benefits, limitations, value of premiums, and their applicability to various customers.
Star Comprehensive as well as Tata Aig Global Combo Plan has developed a reputation of offering strong health coverage at a reasonable cost. These plans have changed with new innovative plans as more Indians choose family floaters, international treatments and larger networks.
The customers desire the plans that are user friendly, offer international coverage and should not leave them with surprises of the fine print when they need the cover. They both offer this, though in different ways, and on the basis of different eligibility and scope.
The Star Comprehensive Plan will be designed to meet the needs of customers who want a high level of flexibility, including modern treatment, and being family-friendly. It can fit both the individual and the couples and nuclear families.
Expert Review:
The insurance experts rate Star Comprehensive highly because it has a no sub-limit policy and hassle free claims, hence it would be the best option to be used by middle aged Indian families in 2025.
Does Star Comprehensive Plan go cashless?
Yes, it provides cashless hospitalization in large network of more than 14,000 hospitals in India.
Is it inclusive of Ayurvedic treatments?
Yes, AYUSH upholds to sum insured.
Aig global combo by Tata is designed to suit expat families and frequent travelers as well as those who want to have global health security and basic medical care.
Did You Know?
The seamless global healthcare coordination of Tata Aig Global Combo has gained immense popularity with the people in the IT and families with children studying abroad, as it allows them to coordinate their healthcare facilities with ease.
Is it possible to purchase Tata Aig Global Combo among parents aged over 60?
Yes, however premiums can be increased, and medical check-up can be requested.
Are the planned surgeries covered throughout the world?
Yes, you have to pre-authorize and be plan-aware.
| Address | Star Comprehensive Plan | Tata Aig Global Combo Plan |
|---|---|---|
| Maximum Sum insured | Rs 1 crore | Rs 2 crore |
| Global Health Cover | Emergency only | All treatments (planned and emergency) |
| Critical Illness Coverage | Only with add-on | Part of base plan |
| Pre and Post Hospitalization | 60, 180 days | 60, 180 days |
| Newborn and Maternity Cover | Included (waiting period: 9 months) | Add-on only (waiting: 24 months) |
| Outpatient/OPD Benefits | Included | Add-on only |
| Restoration of Sum Insured | Spontaneous, several times | Up to 100 percent, once |
| Age Entry | 18-65 years, children 91 days+ | 18-65 years, children 91 days+ |
| Existing Disease Waiting Period | 6 months | 12 months |
| Settlement Ratio (2025) | 97 percent | 96 percent |
| Network Hospitals | 14,000+ in India | 10,500+ India, 3,000+ overseas |
| Age 35 premium Rs 20 lakh SI | Approx. Rs 24,000 | Approx. Rs 29,000 |
| Cashless Facility | Yes, in India and in case of emergencies in other countries across the world. | – |
| Telehealth and Second Opinion | Yes | Yes (in overseas care) |
Professional Advice:
It all depends on whether you wish to have really global healthcare on all the planned treatments or mostly Indian coverage with emergency cover overseas.
What plan is in a better position to cover more hospitals in terms of cashless treatment?
Star has more network in India. Tata Aig has large foreign network, as well.
Is it possible to purchase both plans simultaneously by self-employed professionals?
Yes, but cross benefits imply that you can pay too much. It is preferable to smart layer with riders.
The Star Comprehensive Plan is rated as a high score in case your most important consideration is high value-money plus maximum Indian coverage, as well as shortest possible turnaround in claims and no restriction of any kind. It is economically friendly especially to the families that have maternity plans in mind, and the purchasers that have minor pre-existing conditions.
Conversely, when you would like to have a safety net or to have your kids educated or employed outside India, or have a long stay in a foreign country and have the tranquil mind to have the Tata Aig Global Combo is difficult to work with. The inherent critical illness and accident cover is also a security net which is not easily found in most basic plans.
Did You Know?
Over 16 percent of new Tata Aig Global Combo policyholders in the early 2025 are NRIs and Indian parents of overseas students.
Both the insurers provide digitally enabled claims, 24x7 helpline support, and rebates within a short time. Star Health boasts of ground support on claims and a few percent higher settlement ratios. Tata Aig uses its global network in case of overseas emergencies and claims, which provides multi-currency assistance and direct billing.
Star provides face to face customer support within the second and third tier cities. The global desk of Tata Aig is also applicable in international cases because it is easily used to deal with claims in North America and Europe.
Will IVF or surrogacy claim be allowed under these plans?
Star extends the IVF and infertility options to the maximum limit, whereas Tata Aig does not provide the same benefit in the basic policy.
Are there no-claim bonus in both the plans?
Yes, they both provide up to 100 percent of sum insured increase in claim free years.
Did You Know?
Buyers who explain waiting time and additions at the time of purchase report greater satisfaction after making a claim according to 2025 survey data.
What is the best product between Star Comprehensive and Tata Aig Global Combo Plan?
It is a matter of what you give priority to. Select Star in India-based healthcare and maternity. Make the selection of Tata Aig, in case you require a global or critical illness coverage.
Is Tata Aig Global Combo inclusive of OPD and maternity?
Not as part of basic policy but as add-ons which are payable.
Do both insurers come under the IRDAI regulation in 2025?
Yes they are both licensed and capable of working under IRDAI guidelines.
What is the waiting period on the pre-existing diseases under the two plans?
Star Comprehensive - 12 months; Tata Aig Global Combo - 24 months minimum.
Is it possible to carry my current plan into either of the plans in 2025?
Yes, provided that there exists underwriting approval and policy tenure conditions.
Is Emergency treatment overseas cashless under both?
Yes, both of them can do cashless treatment abroad in case of emergencies, but scheduled treatments will be covered completely only in Tata Aig Global Combo.
How could we improve this article?
Written by Prem Anand, a content writer with over 10+ years of experience in the Banking, Financial Services, and Insurance sectors.
Prem Anand is a seasoned content writer with over 10+ years of experience in the Banking, Financial Services, and Insurance sectors. He has a strong command of industry-specific language and compliance regulations. He specializes in writing insightful blog posts, detailed articles, and content that educates and engages the Indian audience.
The content is prepared by thoroughly researching multiple trustworthy sources such as official websites, financial portals, customer reviews, policy documents and IRDAI guidelines. The goal is to bring accurate and reader-friendly insights.
This content is created to help readers make informed decisions. It aims to simplify complex insurance and finance topics so that you can understand your options clearly and take the right steps with confidence. Every article is written keeping transparency, clarity, and trust in mind.
Based on Google's Helpful Content System, this article emphasizes user value, transparency, and accuracy. It incorporates principles of E-E-A-T (Experience, Expertise, Authoritativeness, Trustworthiness).
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