Star Health Gain Insurance Policy that covers both Outpatient expenses & inpatient expenses

 

 

Star Health Gain Insurance Policy

• Health insurance policy that covers both Outpatient expenses & inpatient expenses
• Option to choose premium to be paid and Sum Insured required
• Premium options: Rs.15000/-; Rs.20,000/-; Rs.25,000/-; and Rs.30,000/-( applicable GST extra)
• Sum Insured options(for inpatient hospitalization): Rs.1 lakh, Rs.2 lakhs, Rs.3 lakhs, Rs.4 lakhs and Rs.5 lakhs
• Sum Insured Type option : Individual and Floater
• Policy term: One year

BENEFITS

Section I:

• Hospitalization Cover: Room, Boarding, Nursing Expenses upto 1% of sum insured per day.
A proportionate deduction shall happen in hospitalization expenses if room rent limit is exceeded.
• Surgeon, Anesthetist, Medical Practitioner, Consultants, Specialist Fees, Cost of Medicines and Drugs.
• Ambulance charges up to Rs.750/- per hospitalization and Rs.1500/- per policy period.
• Pre-Hospitalization expenses up to 30 days prior to admission in the hospital.
• Post-hospitalization expenses up to 60 days from the date of discharge.
• Expenses incurred for all day-care procedures.
• Treatment for Cataract is subject to limits mentioned in the policy
• Co-Payment: Co-payment of 20% of each and every claim amount for fresh as well as renewal policies for insured persons whose age at the time of entry is above 60 years.

Waiting periods:

• 30 days (Not applicable for Accidents)
• 24 months for specified illness/ diseases.
• 48 months for treatment of Pre existing diseases

Section II: Out Patient Benefits:

Premium option and Sum Insured Option shall be deciding outpatient benefit level.
Medical expenses incurred in networked facility shall be reimbursed. There is no waiting period or co-pay applicable
Unutilized benefit in a policy year can be carried forward to immediately succeeding renewal year. No further carry over is permitted.

Eligibility

• Age at entry 91 days to 65 years
• Family means Self, Spouse, Dependent children up to 25 years of age

General Terms

Tax Benefits:

Amount paid by any mode other than by cash for this insurance is eligible for relief under Section 80D of the Income Tax Act.

Free Look Period:

A free look period of 15 days from the date of receipt of the policy by the insured is available to the insured to review the terms and conditions of the policy. In case the insured is not satisfied with the terms and conditions, the insured may seek cancellation of the policy and in such an event the Company may allow refund of premium paid after adjusting the cost of pre-medical screening, stamp duty charges and proportionate risk premium for the period concerned provided no claim has been made until such cancellation.

Free look Period is not applicable at the time of renewal of the policy

Renewal: Lifelong renewal


Grace Period for renewal: 30 days from date of expiry of policy.

NOTE: Renewal premium, terms and conditions are subject to change with prior approval from IRDAI.

Revision of Sum Insured: Option to Reduce or enhance sum insured is permissible at the time of renewal subject to approval of the Company


STAR ADVANTAGES

No Third Party Administrator; direct in-house claims settlement

Faster & hassle-free claim settlement

Cashless hospitalization

Network of more than 8200+ hospitals across India

24x7 Toll- free Helpline

Free General Physician Consultation over phone. Doctors on duty 24x7. By quoting the policy number, any person can contact our Doctor on the toll free number for medical advices

Free Health magazines are issued to policy holders at regular intervals

Personalised customer service available.

Service Is Available For All over India

For More Details Pl Contact: 9790958828 or 9042804851

Star Health launches insurance plans for cancer patients

Star Health and Allied Insurance CMD V Jagannathan, flanked by S Prakash, COO, and V Shanta, Chairperson, Adyar Cancer Institute, Chennai, at the launch of Star Cancer Care Gold policy

The scheme has two sum-insured options of ₹3 lakh and ₹5 lakh

Star Health and Allied Insurance (SHAI) has introduced what it calls an industry-first health insurance cover for people already diagnosed with cancer.

The new health insurance scheme, Star Cancer Care Gold, comes in two sum-insured options — ₹3 lakh and ₹5 lakh. Persons in the age group five months to 65 years, who have already been diagnosed with cancer (stage 1 and 2), can take this insurance.

“This is the first-ever insurance cover for cancer-affected people. At present, health cover is not available for people who are diagnosed with cancer. The unique feature of our policy is that it can be bought without a prior medical check-up.

“Customers can submit previous medical records, including details of latest treatment,” said V Jagannathan, Chairman and Managing Director, SHAI.

Star Cancer Care Gold (SCCG) covers the risk of recurrence, the spread of cancer (metastasis) and second cancer (second malignancy).

It offers lumpsum payout of half the entire sum insured soon after diagnosis of the disease. The policy also covers surgical, non-surgical as well as interventional treatment for non-cancer-related diseases, accident cover, etc., like regular medical insurance.

Premium amount for SCCG will vary from ₹12,250 (excluding tax) to ₹35,100 depending on the age and sum-insured.

“This is a pilot stage and we will gradually increase the sum-insured amount based on the response and other outcomes,” said S Prakash, Chief Operating Officer, SHAI. V Shanta, Chairperson, Adyar Cancer Institute, Chennai, who launched the scheme, said cancer cover is important in the context of growing treatment costs. “The burden has increased from about ₹4.73 lakh in the mid-1980s to ₹12 lakh now, and is expected to increase ₹15 lakh by 2020,” she added.

She pointed out that cancer was no longer a dreadful disease. Due to technology and continuing research, cancer treatment levels have moved from conservative/conventional to precision and personalised ones.

Star Health Insurance is Proud to announce that we have been adjudged the Best Health Insurance Company of 2017 by CMO Asia.

                   Health Insurance Company of the Year 2017 -
                                       Finteleket Insurance Awards 2017

Star Health Insurance When it comes to health there should be no compromises Protect yourself against unforeseen circumstances

                            Best Health Insurance Company of 2017
                                      National Awards For Marketing Excellence

Keep Yourself And Your Loved Ones Safe With Star Health Insurance...

W.H.O Award Of Excellence 2017... 

Star Health Gain Insurance Policy with Out Patient cover & Maximum Tax Benefit

Star Health Gain Insurance Policy

HIGHLIGHTS

• Health insurance policy that covers both Individual and Family.
• Cover for both in-patient and out-patient treatments.
•  Unutilized Outpatient benefit can be carried forward to next year upon renewal
• No claim discount up to 10% applicable upon renewal.
•  Fixed premium across all Sum Insured ranges and age groups.
  

BENEFITS

Hospitalisation Coverage:

Hospitalisation Cover Protects the insured for in patient hospitalisation expenses for a minimum of 24 hrs.These expenses include room rent,nursing and boarding charges, Surgeon, Anaesthetist, Medical Practitioner, Consultants, Specialist Fees,Cost of Medicines and Drugs.

Ambulance charges for emergency transportation to hospital as per specified limits.

Pre-Hospitalization expenses up to 30 days prior to admission in the hospital.

Post-hospitalisation paid as lump-sum upto the limit specified.

Specific day-care procedures covered.

Out Patient Benefits:

The policy provides for payment Out Patient expenses upto the limits provided. These Out-patient expenses can be carried forward for immediately succeeding one year only. Any unutilised amount will automatically lapse-Please click here to see the OP benefit chart.
Unique feature:

The unique feature of this policy is that the premium payable is uniform irrespective of the age or the sum insured - Amount payable is Rs.15219/- (including Service Tax).
No Claim Discount:

A no claim discount of 10% on claim free year is allowable on renewal premium. This is the maximum discount and it is not cumulative.

Eligibility

Any person between 5 months and 65 years of age at the time of entry can take this insurance. Children can be covered only along with parents.

This policy can be taken for individuals as well as for family. If taken for individuals the sum insured is applicable for each person separately. If taken on floater basis it is for entire family. Family for the purpose of this policy means self, spouse and dependent children not over 25 years

Star Advantage


No Third Party Administrator, direct in-house claim settlement.
Faster and hassle-free claim settlement.
Cashless hospitalisation.
Network of more than 7800 hospitals across India.
Facility for maintaining personal health records in electronic format

For More details contact: 9790958828 or 9042804851

STAR CARDIAC CARE INSURANCE POLICY FOR PERSONS WHO HAVE UNDERGONE ANGIOPLASTY OR BYPASS SURGERY

STAR CARDIAC CARE INSURANCE POLICY FOR PERSONS WHO HAVE UNDERGONE ANGIOPLASTY OR BYPASS SURGERY

Highlights

•  India`s 1st Health policy for persons who have undergone Angioplasty or Bypass Surgery.
•  Cover for surgical and medical management Cardiac Ailments.
•  Also covers regular hospitalization.
•  101 day-care procedures.    

 Benefits


Section 1:

• Hospitalisation Cover: Protects the insured for in patient hospitalisation expenses for a minimum of 24 hrs.These expenses include room rent,nursing and boarding charges, Surgeon, Anaesthetist, Medical Practitioner, Consultants, Specialist Fees,Cost of Medicines and Drugs.
• Ambulance charges for emergency transportation to hospital as per specified limits.
• Pre-Hospitalization expenses up to 30 days prior to admission in the hospital.
• Post-hospitalisation paid as lump-sum upto the limit specified.
• 101 Day-care treatments covered

Pre-Existing Diseases / Illness:
Are covered after 48 months of continuous Insurance without break with any Indian Insurance Company.

Section 2: (Cardiac Section)
Cardiac ailments covered after 90 days. 2 Plans available -GOLD PLAN and SILVER PLAN. GOLD PLAN covers any cardiac related complications necessitating surgery / intervention and also cardiac medical management SILVER PLAN covers any cardiac related complications necessitating surgery / intervention only.

 Eligibility

 Star Cardiac Care Insurance can be taken by any person between 10 years and 65 years of age, who has undergone PTCA (Stenting) or CABG (By-pass) procedure for the first time, within 4 years prior to the date of policy purchase. The sum insured under this policy is on Individual basis.

General Terms


Pre- Acceptance Medical Screening
All persons will be required to undergo pre-acceptance medical screening at the Company nominated centers. Cost of screening is currently borne by the company.

Tax Benefits
Amount paid by any mode other than by cash for this insurance is eligible for relief under Section 80D of the Income Tax Act.

Free Look Period
A free look period of 15 days from the date of receipt of the policy is available for reviewing the policy terms and conditions. In case insured is not satisfied he can seek cancellation of the policy and in such event the Company will allow refund of premium after adjusting the cost of pre- acceptance of medical screening, stamp duty charges and proportionate risk premium for the period concerned provided no claim has been made until such cancellation. Free look cancellation is not applicable at the time of renewal.

Guaranteed Lifetime Renewals
 Life-long renewals beyond 65 years are offered under this policy.

 Star Advantages

•  No Third Party Administrator – direct in-house claims settlement
•  Faster and hassle-free claim settlement
•  Cashless hospitalization
•  Network of more than 6000 hospitals across India
•  Facility for maintaining personal health record in electronic format. 

 Personalised customer service available.

Service Is Available For All over India

For More Details Pl Contact: 9790958828 or 9042804851