STAR HEALTH INSURANCE

Star Health Insurance is a venture between Oman Insurance Company, which is one of the leading insurance companies in the

Middle East and a few enterprising industrialists, industry experts and business houses in India.

For the first time in India, an insurance policy that has been designed specifically for those diagnosed as HIV positive called the STAR NETPLUS HEALTH PLAN.

The SALIENT FEATURES of this plan are:

· Complete confidentiality of the covered persons insured

· No bills/receipts are required

· Lump sum is paid at one go once the claim is made

· Facilitates better health care at the critical stage with financial support

· This policy fills the gap where all other policies and insurers treat HIV as an exclusion

· Extension of medical cover for hospitalization as an option

WHO CAN APPLY:

· The policy will have to be proposed by governmental agencies, NGOs, societies or other registered bodies serving the cause of persons infected with HIV. The benefits when payable will be paid to the proposer who applies for it, for the benefit of the respective covered persons

· The HIV Care Policy can be issued to a group of persons already infected with HIV

· Covered patients must be members/beneficiaries of the proposer and availing its treatment/services

· There is no age limit for the applicants

APPLICATION PROCEDURE:

· Since the policy is for those already infected with HIV, there is a pre-insurance medical test. Cover is provided only for persons whose CD4 count is more than 350

· Tests include CD4 or any other test as required

· Cost of pre-insurance medical test will be borne by Star Health

PREMIUM TABLE:

INSURED AMOUNT (Rs.)	PREMIUM (Rs.)
30000	2500/-
50000	4000/-

OPTIONAL ADDITIONAL HEALTH COVER UNDER HIV CARE POLICY:

INSURED AMOUNT (Rs.)	PREMIUM (Rs.)
30000	390/-
50000	650/-

· A Service Tax of 10.3% needs to be added to the premiums mentioned above

· Premiums paid by cheque or credit card are eligible for relief under section 80D of the Income Tax Act

EXCLUSIONS:

· Expenses incurred in treating HIV

· All medical conditions that existed prior to commencement of cover, except those specifically covered

· AIDS confirmation within 90 days of commencement of the policy

An insurance products from Star Health Insurance can be bought by calling their toll free number 1800-425-2255 or one can also visit their website www.starhealth.in

ADDITIONAL BENEFITS of taking a health insurance plan from Star Health are:

· Cashless service without TPA intervention

· Direct tie up with all major hospitals in India

· 24 hours general practitioner’s advice and medical counseling

· 24×7 in-house call center

· Toll free telephone assistance

· First stand alone health insurance company

STAR HEALTH INSURANCE

Star Health Insurance is a venture between Oman Insurance Company, which is one of the leading insurance companies in the Middle East and a few enterprising industrialists, industry experts and business houses in India.

One of their health insurance plans is STAR MEDI CLASSIC HEALTH INSURANCE PLAN.

The SALIENT FEATURES of this plan are:

• It aims at providing reimbursement of hospitalization expenses incurred as a result of illness/disease/sickness and accidental injuries
• Any persons between the age of 5 months and 80 years residing in India can take this insurance
• In-patient hospitalization expenses for a minimum of 24 hours includes:
• Room rent and boarding at 2% of sum insured subject to a maximum of Rs.4000 per day
• Nursing expenses
• Surgeon’s fees, consultant’s fees, anesthetist’s fees
• Cost of medicines and drugs
• Ambulance charges up to a maximum of Rs.750 per hospitalization and overall limit of Rs.1500 per policy period
• Pre-hospitalization medical expenses up to 30 days prior to date of admission
• Post-hospitalization – a lump sum calculated at 7% of hospitalization (excluding room charges) subject to a maximum of Rs.5000 is payable
• Non-allopathic treatments up to Rs.25000 per occurrence are payable subject to a maximum of 25% of sum insured per policy period

PREMIUM TABLE:

FOR INDIVIDUALS:

SUM INSURED (Rs.)	5 MTHS-35 YRS	36-45 YRS	46-55 YRS	56-65 YRS	66-70 YRS	71-75 YRS	76-80 YRS
50000	575/-	700/-	1320/-	NA	NA	NA	NA
1 lac	1200/-	1350/-	2447/-	3000/-	4547/-	4872/-	6029/-
1.5 lacs	1800/-	2000/-	3400/-	4200/-	6717/-	7284/-	9284/-
2 lacs	2350/-	2600/-	4583/-	5300/-	8768/-	9574/-	12420/-
2.5 lacs	2800/-	3150/-	5548/-	7200/-	10696/-	11744/-	15433/-
3 lacs	3300/-	3650/-	6170/-	8200/-	12625/-	13914/-	18449/-
3.5 lacs	3750/-	4150/-	7408/-	10196/-	14434/-	15964/-	21341/-
4 lacs	4200/-	4500/-	8700/-	11451/-	16242/-	18015/-	24236/-
5 lacs	4900/-	5400/-	10700/-	13958/-	19859/-	22113/-	30023/-
10 lacs	7465/-	7965/-	13265/-	16525/-	NA	NA	NA

FOR FAMILIES:

	SUM INSURED Rs.2 lacs	SUM INSURED Rs.3 lacs
2A	2348/-	3400/-
2A+1C	2238/-	3825/-
2A+2C	2320/-	4080/-
1A+1C	2168/-	3230/-
1A+2C	2206/-	3280/-

• A Service Tax of 10.3% needs to be added to the premiums mentioned above
• Premiums paid by cheque or credit card are eligible for relief under section 80D of the Income Tax Act

OPTIONAL BENEFITS ON PAYMENT OF ADDITIONAL PREMIUM:

• Hospital Cash – provides for payment of Rs.500 for each completed day of hospitalization. Premium ranging from Rs.200 to Rs.350 per person depending upon the age
• Patient Care – available for persons above 65 years of age. It pays for the attendant charges after discharge from the hospital at Rs.400 per day to a maximum of 5 days per hospitalization. Premium Rs.300 per person
• New Born baby cover – available with family package plan and provides for a new born from birth up to the expiry of the policy period. The sum insured is restricted to 10% of sum insured in respect of the mother. Premium 10% of policy premium

EXCLUSIONS:

• All expenses incurred in connection with treatment of any illness/disease/condition that is pre-existing at the time of commencement of the policy
• Treatment of any illness/disease/condition contracted by the insured within the first 30 days from the commencement of the policy
• Expenses incurred in the first 2 years of continuous operation of the policy cover on treatment of:
• Cataract
• Hysterectomy
• Menorrhagia or Fibromioma
• Knee replacement surgery (other than caused by an accident)
• Joint replacement surgery (other than caused by an accident)
• Prolapsed Inter-vertebral disc (other than caused by an accident)
• Varicose veings/ulcers
• Expenses incurred in the first 1 year of continuous operation of the policy cover on treatment of:
• Benign prostate
• Hypertrophy
• Hernia
• Hydrocele
• Fistula in anus
• Piles
• Sinusitis and related disorders
• Gall stone/renal stone removal
• Naturopathy treatment
• Expenses purely diagnostic in nature with no positive existence of any disease
• Expenses incurred for treatment of disease/illness/accidental injuries by medicines other than allopathic
• Expenses that are cosmetic in nature
• Expenses incurred on treatment of congenital diseases/defect/anomalies

An insurance product from Star Health Insurance can be bought by calling their toll free number 1800-425-2255 or one can also visit their website www.starhealth.in

ADDITIONAL BENEFITS of taking a health insurance plan from Star Health are:

• Cashless service without TPA intervention
• Direct tie up with all major hospitals in India
• 24 hours general practitioner’s advice and medical counseling
• 24×7 in-house call center
• Toll free telephone assistance
• First stand alone health insurance company
• Cumulative bonus ranging from 5% for every claim free year of insurance (except for the Family Package Plan) subject to a maximum of 25%

STAR HEALTH INSURANCE

Star Health Insurance is a venture between Oman Insurance Company, which is one of the leading insurance companies in the Middle East and a few enterprising industrialists, industry experts and business houses in India.

India’s diabetic population is already at 30 million today, which is the highest in the world and the number is still increasing. Star Health has come up with a health insurance plan for those affected by Diabetes Mellitus Type II.

The SALIENT FEATURES of this plan are:

• It has coverage for specified condition:
• Eyes – diabetic retinopathy requiring laser treatment
• Kidneys – diabetic nephropathy leading to chronic renal failure
• Feet – diabetic foot ulcer requiring micro-vascular surgical correction
• The policy covers the cost of treatment up to the limit provided
• Hospitalization cover
• Boarding and room charges at 2% of the sum insured subject to a maximum of Rs.2500 per day in Class A cities and Rs.1250 per day in other locations
• Nursing expenses
• Surgeon’s fees, consultant’s fees and anesthetist’s fees
• Cost of blood, oxygen and diagnostic expenses
• Cost of medicines and drugs
• Hospitalization expenses on donor of kidney for renal transplant surgery are payable subject to availability of sum insured
• Post-renal complications on the insured person are covered
• Second transplant following failure of the first transplant is also covered under this policy
• But all applicants will have to undergo a pre-acceptance medical screening at company nominated center
• The insurance is available for sums of Rs.50000, Rs.1 lac, Rs.2 lac, Rs.3 lacs, Rs.4 lacs and Rs.5 lacs

ELIGIBILITY:

• Any person between the age of 26 years and 65 years of age who is diagnosed with Diabetes Mellitus Type II can take this insurance
• This limit of 65 years is applicable only for initial entry in to the scheme
• Renewal is accepted up to the age of 70 years

PREMIUM TABLE:

SUM INSURED (Rs.)	26-35 YRS	36-45 YRS	46-55 YRS	56-65 YRS	66-70 YRS
50000	805/-	990/-	1235/-	1485/-	2225/-
1 lac	1140/-	1615/-	1900/-	2185/-	2470/-
2 lacs	1885/-	2565/-	3420/-	3765/-	4105/-
3 lacs	2300/-	3135/-	4180/-	4600/-	5020/-
4 lacs	4655/-	4990/-	6650/-	7315/-	7980/-
5 lacs	6385/-	6840/-	9120/-	10035/-	10945/-

• A Service Tax of 10.3% needs to be added to the premiums mentioned above
• Premiums paid by cheque or credit card are eligible for relief under section 80D of the Income Tax Act

EXCLUSIONS:

• Patients who have already developed complications of Diabetic Retinopathy and Diabetic Nephropathy leading to Chronic Renal failure and Diabetic Foot ulcer

An insurance product from Star Health Insurance can be bought by calling their toll free number 1800-425-2255 or one can also visit their website www.starhealth.in

ADDITIONAL BENEFITS of taking a health insurance plan from Star Health are:

• Cashless service without TPA intervention
• Direct tie up with all major hospitals in India
• 24 hours general practitioner’s advice and medical counseling
• 24×7 in-house call center
• Toll free telephone assistance
• First stand alone health insurance company

STAR HEALTH INSURANCE

Star Health Insurance is a venture between Oman Insurance Company, which is one of the leading insurance companies in the Middle East and a few enterprising industrialists, industry experts and business houses in India.

One of their health insurance plans for families is the STAR FAMILY OPTIMA HEALTH INSURANCE PLAN.

The SALIENT FEATURES of this plan are:

· It is a family floater plan

· Hospitalization cover protects the insured person for in-patient hospitalization expenses for a minimum of 24 hours. These expenses include room and boarding charges as per the policy conditions

· Nursing expenses

· Surgeon’s fees, consultant’s fees, anesthetist’s fees

· Cost of medicines and drugs

· Ambulance charges up to a maximum of Rs.750 per hospitalization and overall limit of Rs.1500 per policy period

· Pre-hospitalization medical expenses up to 30 days prior to date of admission

· Post-hospitalization – a lump sum calculated at 7% of hospitalization (excluding room charges) subject to a maximum of Rs.5000 is payable

· Family includes proposer, spouse, dependent children up to the age of 25 years (those who are economically dependent on their parents)

· Any persons between the age of 5 months and 60 years residing in India can take this insurance

PREMIUM TABLE:

SUM INSURED: Rs.1 lac

	5 MONTHS-45 YEARS	46-55 YEARS	56-60 YEARS
2A	1765/-	NA	NA
1A+1C	1515/-	NA	NA
1A+2C	1640/-	NA	NA
1A+3C	1785/-	NA	NA
2A+1C	1890/-	NA	NA
2A+2C	2025/-	NA	NA
2A+3C	2165/-	NA	NA

SUM INSURED: Rs.2 lacs

	5 MONTHS-35 YEARS	36-45 YEARS	46-55 YEARS	56-60 YEARS
2A	2890/-	3140/-	5535/-	6400/-
1A+1C	2715/-	3005/-	5265/-	6120/-
1A+2C	2835/-	3075/-	5410/-	6225/-
1A+3C	3085/-	3415/-	5715/-	6645/-
2A+1C	3295/-	3555/-	5925/-	6965/-
2A+2C	3455/-	3675/-	6450/-	7360/-
2A+3C	3625/-	4060/-	6795/-	7820/-

SUM INSURED: Rs.3 lacs

	5 MONTHS-35 YEARS	36-45 YEARS	46-55 YEARS	56-60 YEARS
2A	3985/-	4360/-	7605/-	10030/-
1A+1C	3710/-	3940/-	6930/-	9185/-
1A+2C	3825/-	4110/-	7160/-	9725/-
1A+3C	4125/-	4440/-	7630/-	10095/-
2A+1C	4190/-	4830/-	7865/-	10625/-
2A+2C	4310/-	5110/-	8400/-	11090/-
2A+3C	4615/-	5320/-	8710/-	11755/-

SUM INSURED: Rs.4 lacs

	5 MONTHS-35 YEARS	36-45 YEARS	46-55 YEARS	56-60 YEARS
2A	5195/-	5565/-	10510/-	13515/-
1A+1C	4750/-	5070/-	9660/-	12730/-
1A+2C	4910/-	5250/-	10150/-	13210/-
1A+3C	5365/-	5725/-	10980/-	13755/-
2A+1C	5295/-	5775/-	11270/-	14290/-
2A+2C	5645/-	6240/-	11870/-	14890/-
2A+3C	6025/-	6540/-	12585/-	15815/-

SUM INSURED: Rs.5 lacs

	5 MONTHS-35 YEARS	36-45 YEARS	46-55 YEARS	56-60 YEARS
2A	5920/-	6525/-	12010/-	15855/-
1A+1C	5370/-	5955/-	11550/-	15225/-
1A+2C	5630/-	6285/-	11865/-	15645/-
1A+3C	6035/-	6770/-	12390/-	16275/-
2A+1C	6345/-	7045/-	12815/-	16750/-
2A+2C	6875/-	7675/-	13210/-	17450/-
2A+3C	7260/-	8195/-	13860/-	18105/-

· A Service Tax of 10.3% needs to be added to the premiums mentioned above

· Premiums paid are eligible for relief under section 80D of the Income Tax Act

EXCLUSIONS:

· All expenses incurred in connection with treatment of any illness/disease/condition that is pre-existing at the time of commencement of the policy

· Treatment of any illness/disease/condition contracted by the insured within the first 30 days from the commencement of the policy

· Expenses incurred in the first 2 years of continuous operation of the policy cover on treatment of:

Ø Cataract

Ø Hysterectomy

Ø Menorrhagia or Fibromioma

Ø Knee replacement surgery (other than caused by an accident)

Ø Joint replacement surgery (other than caused by an accident)

Ø Prolapsed Inter-vertebral disc (other than caused by an accident)

Ø Varicose veins/ulcers

· Expenses incurred in the first 1 year of continuous operation of the policy cover on treatment of:

Ø Benign prostate

Ø Hypertrophy

Ø Hernia

Ø Hydrocele

Ø Fistula in anus

Ø Piles

Ø Sinusitis and related disorders

Ø Gall stone/renal stone removal

· Naturopathy treatment

· Expenses purely diagnostic in nature with no positive existence of any disease

· Expenses incurred for treatment of disease/illness/accidental injuries by medicines other than allopathic

· Expenses that are cosmetic in nature

· Expenses incurred on treatment of congenital diseases/defect/anomalies

An insurance product from Star Health Insurance can be bought by calling their toll free number 1800-425-2255 or one can also visit their website www.starhealth.in

ADDITIONAL BENEFITS of taking a health insurance plan from Star Health are:

· Cashless service without TPA intervention

· Direct tie up with all major hospitals in India

· 24 hours general practitioner’s advice and medical counseling

· 24×7 in-house call center

· Toll free telephone assistance

· First stand alone health insurance company

· A discount of 10% on premium is allowed on renewal of the policy is given if there is no claim in the immediately preceding year of the policy. But this discount is not cumulative

STAR HEALTH INSURANCE

Apart from health insurance options for individuals, families and senior citizens,

Star Health Insurance also has a policy for accident cases.

It is called the STAR ACCIDENT CARE POLICY.

The SALIENT FEATURES of this plan are:

• It takes care of accidental death
• It also takes care of Permanent disability – total or partial – following an accident
• The insured is eligible for a weekly benefit at 1% of Capital Sum insured subject to a maximum of Rs.5000 per week for 100 weeks if there is temporary total disablement due to an accident
• There is also an Education Grant to children for Rs.5000 for one child and Rs.10000 for two children
• Transportation expenses to carry mortal remains are reimbursed subject to a maximum of Rs.3000
• Travel expenses of one relative are given up to Rs.1000
• A Service Tax of 10.3% needs to be added to the premiums
• Premiums paid by cheque or credit card are eligible for relief under section 80D of the Income Tax Act

RISK FEATURES:

• For purpose of rating, persons proposed for this insurance are classified under 3 risk groups:
• Risk Group I – persons engaged primarily in administrative functions
• Risk Group II – persons engaged in manual work other than what is specifically provided for under Group III
• Risk Group III – persons working in explosives industry, mine workers, high tension electric supply, horse racing including jockeys, athletes and occupations of similar hazards

EXCLUSIONS:

• All expenses incurred in connection with treatment of any illness/disease/condition that is pre-existing at the time of commencement of the policy
• Any claim in respect of pre-existing condition
• Any claim if the insured acts against the advice of a physician
• Any claim arising out of accidents that the insured has caused intentionally or by committing a crime or as a result of drunkenness or addiction
• Any claim arising out of mental disorder, suicide or attempted suicide self inflicted injuries or sexually transmitted disease, anxiety, etc
• Participation in hazardous sports/activities
• Persons who are physically and mentally challenged unless specifically agreed and endorsed in the policy

An insurance product from Star Health Insurance can be bought by calling their toll free number 1800-425-2255 or one can also visit their website www.starhealth.in

ADDITIONAL BENEFITS of taking a health insurance plan from Star Health are:

• Cashless service without TPA intervention
• Direct tie up with all major hospitals in India
• 24 hours general practitioner’s advice and medical counseling
• 24×7 in-house call center
• Toll free telephone assistance
• First stand alone health insurance company
• Cumulative bonus ranging from 5% for every claim free year of insurance subject to a maximum of 50%
• There is also an optional benefit with this plan that the policy can be extended to cover medical expenses also on payment of additional premium