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Last updated on: September 24, 2025
The Star Premier Plan and Tata AIG Global Combo Plan are leading health insurance options with distinct features. Star Premier Plan, offered by Star Health, focuses on comprehensive India-based medical coverage with benefits like high sum insured (up to ₹1 crore), restoration of sum insured, and coverage for pre-existing diseases after a waiting period. On the other hand, Tata AIG’s Global Combo Plan is tailored for individuals seeking both domestic and international coverage, combining health insurance with travel benefits such as emergency medical evacuation and treatment abroad. While Star Premier is ideal for those prioritizing robust Indian coverage, Tata AIG’s Global Combo Plan suits frequent travelers requiring global protection. Your choice depends on whether you need extensive domestic health benefits or a blend of local and overseas coverage for healthcare and travel emergencies.
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The selection of appropriate health insurance plan when it comes to selecting overall health insurance in India is a very crucial factor basing on your medical requirements and your travels. There are two popular health policies that are catching the eyes in 2025 and they are the Star Premier Plan and the Tata AIG Global Combo Plan. Both are extensive in nature, extend internationally and have a robust claim process though their advantages and appropriateness vary depending on the policyholders.
We will compare these two health insurance plans on several fronts - key characteristics, coverage, additional benefits, omissions, customer experience and any other criteria that would be significant in the year 2025.
Both the products are high-end health insurance products of the respective companies in India. Star Premier Plan is meant to be a comprehensive health plan mostly used by families and families seeking greater coverage in India, but with partial worldwide benefits. As the name implies, the Tata AIG Global Combo Plan is made to suit individuals who travel often and need health cover not only in India but also across the globe.
Such updated health plans offer a set of hospitalization coverage, add-ons pertaining to domiciliary services, day care care, wellness, and some additional COVID-19/infectious disease coverage that is becoming more and more important.
Disregarding the minor details, both plans provide:
However, each of them has certain notable peculiarities.
According to industry pundits in 2025, the growth in sum insured and global cover in Indian health insurance is an indicator of the increased travel and health consciousness of the current customers.
Knowledge in scope and limits are important among policy buyers. This is a comparison of the main coverage of both plans, categorically.
According to IRDAI data in 2025, the global health coverage plans have gained ground among Indians between the age of 30 and 50 by 32 percent largely because of the rise in medical tourism and business travelling.
| Feature/Aspect | Star Premier Plan | Tata AIG Global Combo Plan |
|---|---|---|
| Sum Insured Range | INR 10 lakh to 2 crore | INR 15 lakh to 3 crore |
| Network Hospitals (India) | 14,000+ | 10,000+ |
| International Hospitalization | Limited (India + emergencies) | Yes, and US and Canada |
| Wellness Benefits | Yes (reward-based) | Yes (annual checkups, rewards) |
| Room Rent Limit | None (in India) | None (international) |
| Pre and Post-Hospitalization | 60, 90 and 180 days | |
| Maternity Cover | Yes (unlimited) | No (except riders) |
| Day Care Claims | Up to 100 procedures | All by IRDAI definition |
| Air Ambulance | Domestic only | Global including international |
| OPD Cover | Limited | Select plans only |
| Critical Illness Rider | Optional | Part of variants |
| Policy Term | 1 to 3 years | 1 to 3 years |
| Claim Process | Cashless in India, rapid | Cashless in India and overseas |
| Premium Range* (2025) | INR 18,000-65,000 pa | INR 32,000-1,10,000 pa |
*Indicatives are for primary insured aged 35 with family floater, and no pre-existing condition.
Q. Which health plan would be better in case I visit the world after every quarter?
In case international traveling is a symbol of your life, then Tata AIG Global Combo Plan is a better policy since it covers all areas including US and Canada where there is cashless provision of its facilities globally.
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According to the financial consultants, an expensive Indian plan with the emergency coverage should be enough when Indian residents visit the foreign countries frequently in a short period, but when they visit them regularly or stay longer, a full-fledged global combo plan may be required at a higher price.
Q. Is it possible to transfer to a global health plan in 2025 out of a domestic plan?
Yes, the inter-plan portability is possible according to the IRDAI guidelines but must be underwritten and continuity benefits reviewed.
An easy process of claims establishes confidence among customers. Both plans have digital claims and helpline in 2025.
According to the 2025 Health Policy Benchmarking Report, Tata AIG was the only company with a claim settlement rate of 96.1 percent, with Star Health being the next at 95.6 percent - both being industry leaders.
There are no limitations on no health insurance. Key common exclusions are:
Star Premier: 30 day initial waiting, 2 years specific illnesses and 2 years maternity.
Tata AIG Global Combo: waiting of pre-existing ailment, special global illness provisions, and might need new medical check-up to increase global sum insured.
Q. Is Tata AIG Global Combo an overseas pre-existing disease cover?
It depends. With medical underwriting (declared and accepted), some of the pre-existing conditions can be covered after a waiting period, but not some of the costly treatments around the world.
In 2025, the two insurers have enhanced their online companies:
Q. May I renew and operate my health plan on the Internet?
Yes, Star and Tata AIG can pay online premiums, endorsements, and renew without visiting the office.
Q. Does both Star Premier and Tata AIG Global Combo plans offer global coverage?
Star Premier has restrictive overseas emergency coverage and Tata AIG Global Combo covers planned and emergency treatments all over the world.
Q. Is one of the plans more favorable in terms of maternity and newborn benefits?
Star Premier Plan encompasses maternity following a waiting period particularly in floater or family plans. Maternity is a primary separate rider in Tata AIG.
Q. What is the process of settling the claims in regard to foreign hospitalization?
The Tata AIG international gateway has its own international gateway where claims are processed directly with the international hospitals. Star only covers global claims in cases of emergencies and even then, requires post-discharge reimbursement.
Q. Will anyone be able to purchase both plans online in 2025?
Yes, both Star Health and Tata AIG have fully-digital purchase plus instant issuance of policies and e-KYC.
Q. Which is a more family friendly premium plan among the young families?
Star Premier is cheaper to young Indian families who do not intend to travel internationally on a regular basis.
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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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