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 exclusively for senior citizens called the STAR SENIOR CITIZEN RED CARPET HEALTH PLAN.

The SALIENT FEATURES of this plan are:

• This health insurance plans covers anyone who is above the age of 60 years and permits entry up to the age of 69 years
• There are guaranteed renewals beyond the age of 69 years also
• There is no need for a pre-insurance medical test
• Treatment will be given only at network hospitals
• All pre-existing diseases are covered from the first year itself except those for which treatment or advice was recommended during the immediately preceding 12 months from the date of the proposal
• Disease for which treatment or advice was recommended during the immediately preceding 12 months from the date of the proposal will be covered from the second year onwards
• In-patient hospitalization expenses for a minimum of 24 hours includes:
• Room rent and boarding at 1% of sum insured
• ICU expenses per day at 2% of sum insured
• Nursing expenses
• Surgeon’s fees, consultant’s fees, anesthetist’s fees and specialist’s fee per illness at 25% of sum insured
• Cost of blood, oxygen, pacemaker
• Cost of medicines/drugs and diagnostic tests at 50% of sum insured per hospitalization
• Treatment for Cardiovascular Diseases/Cerebrovascular Accident/Cancer and breakage of bones – up to Rs.75000 where sum insured is Rs.1 lac and up to Rs.1.5 lacs where sum insured is Rs.2 lacs
• Cataract (both eyes included) up to Rs.15000
• Renal complications – up to Rs.75000 where sum insured is Rs.1 lac and up to Rs.1.5 lacs where sum insured is Rs.2 lacs
• All other major surgeries – up to Rs.60000 where sum insured is Rs.1 lac and up to Rs.1.2lacs where sum insured is Rs.2 lacs
• Ambulance charges up to a maximum of Rs.600 per hospitalization and overall limit of Rs.1200 per policy period
• Post-hospitalization – a lump sum calculated at 7% of hospitalization (excluding room charges) subject to a maximum of Rs.5000 is payable

PREMIUM:

For Rs.1 lac sum insured the premium is Rs.4908/- and for Rs.2 lacs sum insured the premium is Rs.9326/-

• 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:

• Treatments currently availed or availed during the previous 12 months from date of proposal
• Treatment of any illness/disease/condition contracted by the insured within the first 30 days from the commencement of the policy
• First 2 years exclusions:
• 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
• First year exclusions:
• Benign prostate
• Hypertrophy
• Hernia
• Hydrocele
• Fistula in anus
• Piles
• Congenital diseases/defect/anomalies
• Sinusitis and related disorders
• Gall stone/renal stone removal
• Naturopathy treatment
• Expenses purely diagnostic in nature with no positive existence of any disease
• Expenses that are cosmetic in nature
• 50% co-payment applicable for pre-existing diseases/conditions
• 30% co-payment applicable for all other claims

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 is STAR MEDI PREMIER HEALTH INSURANCE PLAN.

The SALIENT FEATURES of this plan are:

• It provides additional lump sum payment in case of diagnosis of certain illnesses during the policy term
• Any person between the age of 26 years and 75 years can take this insurance
• The policy has two sections. Section I offers protection against unexpected health care requirements
• Section II ensures a lump sum payment of 50% of sum insured when certain health disorders are diagnosed
• Covers under Section I:
• Hospitalization cover – in-patient hospitalization expenses including room rent at 2% of sum insured subject to a maximum of Rs.4000
• Boarding and nursing expenses
• Surgeon’s fees, consultant’s fees, anesthetist’s fees
• Cost of medicines and drugs
• Cost of blood, oxygen, diagnostic expenses, cost of pace makers, artificial limbs, etc
• 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
• Lump sum calculated at 7% of the specified hospitalization expenses payable towards post-hospitalization, subject to a maximum of Rs.5000
• Covers under Section II:
• 50% lump sum compensation of the sum insured in addition to payment of hospitalization under Section I
• Such hospitalization expenses would be paid only till the date of diagnosis of the major illness
• On entitlement for payment of lump sum under this section, all further benefits shall cease and the policy will get terminated
• Only one lump sum payment will be made during the insured person’s lifetime
• To become eligible for lump sum compensation, the diagnosis should be 90 days from the commencement date of the policy
• In case of detection of major illness, the insured person must survive beyond 30 successive days from such date of detection
• Specified major illnesses are stroke, renal failure, cancer

PREMIUM TABLE:

• 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:

• 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
• Joint replacement surgery (other than caused by an accident)
• Prolapsed Inter-vertebral disc (other than caused by an accident)
• Varicose veins/ulcers
• Expenses incurred in the first 1 year of continuous operation of the policy cover on treatment of:
• Hernia
• Hydrocele
• Piles
• Sinusitis and related disorders
• Congenital internal disease/defect
• 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 shall be limited to 25% of sum insured, subject to a maximum of Rs.25000 in the entire policy period
• Expenses that are cosmetic in nature

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.

One of their health insurance plans is the STAR HEALTH SUPER SURPLUS INSURANCE PLAN. It offers the benefits of wider protection at a lesser price.

The SALIENT FEATURES of this plan are:

· This policy is available on individual basis as well as on floater basis covering the entire family

· Family means two adults and two children (economically dependent and up to 25 years of age)

· Hospitalization cover – in-patient hospitalization expenses for a minimum of 24 hours including room and boarding expenses up to a maximum of Rs.4000 per day

· No ceiling on ICU, medicine, diagnostic charges or consultation fee

· Nursing expenses

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

· Cost of medicines and drugs

ELIGIBILITY:

· Any person aged between 5 months and 60 years can take this insurance up to a maximum sum insured of Rs.10 lacs

· Renewals are guaranteed up to 75 years

PREMIUM TABLE:

For Individuals:

For Families:

· 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:

· 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

· Naturopathy treatment

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

· Expenses that are cosmetic in nature

· Treatment of congenital diseases/defects/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.

One of their health insurance plans is the STAR HEALTH SUPER SURPLUS INSURANCE PLAN. It offers the benefits of wider protection at a lesser price.

The SALIENT FEATURES of this plan are:

· This policy is available on individual basis as well as on floater basis covering the entire family

· Family means two adults and two children (economically dependent and up to 25 years of age)

· Hospitalization cover – in-patient hospitalization expenses for a minimum of 24 hours including room and boarding expenses up to a maximum of Rs.4000 per day

· No ceiling on ICU, medicine, diagnostic charges or consultation fee

· Nursing expenses

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

· Cost of medicines and drugs

ELIGIBILITY:

· Any person aged between 5 months and 60 years can take this insurance up to a maximum sum insured of Rs.10 lacs

· Renewals are guaranteed up to 75 years

PREMIUM TABLE:

For Individuals:

For Families:

· 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:

· 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

· Naturopathy treatment

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

· Expenses that are cosmetic in nature

· Treatment of congenital diseases/defects/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

Another health insurance policy by Star Health Insurance is the STAR GAIN INSURANCE PLAN.

It offers both outpatient and inpatient hospitalization expenses cover with maximum tax benefits.

The SALIENT FEATURES of this plan are:

• Flat amount of Rs.14725/- only (inclusive of service tax) as the premium irrespective of the sum insured or age of the person insured or number of persons covered
• Any unutilized amount under outpatient benefit can be carried forward to the next one year
• Expenses in a hospital for inpatient hospitalization (minimum 24-hour stay)
• Expenses under the following heads are payable:
• Room rent and boarding expenses up to a maximum of 2% of the sum insured subject to a maximum of Rs.4000 per day in Class A cities; 1% of sum insured subject to a maximum of Rs.3000 per day in Class B cities; 1% of sum insured subject to a maximum of Rs.1000 per day in Class C cities subject to a maximum of Rs.1000 per day in other locations
• Nursing expenses
• Surgeon’s fees, consultant’s fees, anesthetist’s fees
• Cost of blood
• Cost of oxygen
• Operation theatre charges
• Diagnostic expenses
• Cost of pace maker and similar expenses
• Cost of medicines and drugs
• Ambulance charges up to a sum of Rs.750 per hospitalization and overall policy limit of Rs.1500
• Pre-hospitalization expenses up to 30 days prior to the date of admission in hospital/nursing home
• Post-hospitalization expenses calculated at 7% of the hospitalization expenses (excluding room rent) subject to a maximum of Rs.5000
• Any person aged between the age of 5 months and 60 years can be covered under this insurance
• Premiums paid by cheque or credit card 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:
• 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
• 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

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.

Another health insurance plans by them isSTAR CRITICARE PLUS.

The SALIENT FEATURES of this plan are:

• It provides reimbursement of hospitalization expenses incurred as a result of illness/disease/sickness and accidental injuries
• It also provides for a lump sum amount in case the insured is diagnosed with a major illness as listed in the policy for the first time during the policy period
• Any person aged between 18 years and 65 years can take this insurance
• The insurance is renewable up to 70 years
• Cover under Section I:
• Provides for in-patient hospitalization expenses for a minimum stay of 24 hours in the hospital
• These expenses include room rent up to a maximum of 2% of sum insured subject to a maximum of Rs.4000 per day
• Boarding and 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
• Cost of blood, oxygen, diagnostic expenses, cost of pace maker and similar expenses
• Cover under Section II:
• Provides for payment of lump sum amount equal to the sum insured opted if the insured contracts any one of the major diseases for the first time
• Major diseases covered under this policy are:
• First diagnosis of cancer, chronic kidney disease, hepatoma and brain tumor
• Undergoing first time major organ transplant
• Occurrence for the first time a cerebro-vascular stroke causing hemiplegia, acute myocardial infarction resulting in left ventricular ejection fraction of <25%
• Established irreversible coma
• Established irreversible paraplegia
• Established irreversible quadriplegia

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

EXCLUSIONS:

UNDER SECTION I:

• 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

UNDER SECTION II:

• Expenses incurred on treatment of congenital diseases/defect/anomalies
• Manifestation of any of the covered major diseases within first 90 days from the date of commencement of the policy. This will not apply when the policy is renewed without any break

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 is STAR TRUE VALUE HEALTH INSURANCE PLAN, which is a plan for the masses.

The SALIENT FEATURES of this plan are:

• Minimum sum insured is Rs.30000 and maximum sum insured is Rs.80000
• Hospitalization cover that would cover the insured for in-patient hospitalization expenses provided s/he is hospitalized for a minimum of 24 hours
• Any person between the age of 5 months and 55 years (at entry) can take this policy
• Family can be covered under one single policy. Family may include self, spouse, dependent children up to the age of 25 years and dependent parents
• Hospitalization cover expenses include:
• Room rent and boarding expenses up to a maximum of 2% of the sum insured per day
• Nursing expenses
• Surgeon’s fees, consultant’s fees, anesthetist’s fees
• Cost of blood
• Cost of oxygen
• Operation theatre charges
• Diagnostic expenses
• Cost of pace maker
• Cost of medicines and drugs
• Cataract surgery but the cover is limited to Rs.20000

PREMIUM TABLE:

• 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:

• 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
• 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 up to 10 claim free years of continuous insurance
• 10% discount on the premium if 2 persons are covered
• 15% discount on the premium if more than 2 persons are covered

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:

OPTIONAL ADDITIONAL HEALTH COVER UNDER HIV CARE POLICY:

· 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:

FOR FAMILIES:

• 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:

• 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