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.

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

W.H.O Award Of Excellence 2017... 

Family Health Optima An Insurance Plan From Star Health Insurance Is Perfect To Protect Your Family...

 Family Health Optima Insurance Plan

A Super saver Plan covering the entire family under single sum insured. Loaded with extra
benefits.

• Single policy, wider coverage for whole family at an affordable premium.
• Get extra sum insured (auto recharge) at no extra cost,
• Health Checkup benefit for every claim free year
• 3 times Automatic restoration of Sum insured by 100% each time
• Cover for Assisted Reproductive Treatment
• New-born baby cover from 16th day.
• Donor expenses for organ transplantation.
• Domiciliary Hospitalization Expenses for treatment exceeding 3 days.
• Cover for all day care procedures
• Grace Period 120 days

Benefits 

Recharge Benefit

Policy Benefits:

• Room, boarding and nursing expenses all inclusive as per the limits.
• Surgeon, Anaesthetist, Medical Practitioner, Consultants, Specialist Fees, Oxygen, Operation Theatre, Diagnostics, imaging modalities and Medicines and Drugs, Oxygen, Blood, Operation theatre, Diagnostic and Cost of pacemaker.
• Ambulance charges for emergency transportation to hospital as per specified limits.
• Air Ambulance charges upto 10% of the Basic Sum Insured during the entire policy period.
• Pre-Hospitalization expenses up to 60 days prior to admission in the hospital.
• Post-hospitalisation expenses incurred up to 90 days after discharge from the hospital.
• Domiciliary hospitalisation: Cover for medical treatment for a period exceeding three days.
• Organ Donor Expenses: Cover upto 10% of the Sum Insured or Rupees One lakh, whichever is less.
• Cost of Health Checkup: Expenses incurred towards cost of health check-up up to the limits
• New Born Baby cover: Cover starts from 16th day after birth and subject to a limit of 10% of the Sum Insured or Rupees Fifty Thousand, whichever is less

New Benefits:

• Emergency Domestic Medical Evacuation: Company reimburse the expenses incurred towards transportation of the insured person from the treating hospital to another one upto the limits.
• Compassionate Travel: The Company will reimburse the transportation expenses by air incurred upto Rs5000/- for one immediate family member (other than the travel companion) for travel towards the place where hospital is located.
• Repatriation of Mortal Remains: the Company shall reimburse up to Rs.5,000/- towards the cost of repatriation of mortal remains of the insured person to the residence of the insured.

• Lump-sum for Treatment in Preferred Network Hospital: In the event of a medical contingency requiring hospitalization, if the insured seeks advice from the Company, the Company may suggest an appropriate hospital from the network for treatment upto 1% of Basic Sum Insured subject to maximum of Rs.5000/- per policy is payable as lumpsum.
• Shared Accommodation: Upto the limits.
• AYUSH treatment: Upto the limits.
• Second Medical Opinion: The Insured Person can obtain a Medical Second Opinion from a Doctor in the Company’s network of Medical Practitioners
• Assisted Reproductive Treatment: The Company will reimburse medical expenses incurred on Assisted Reproduction Treatment, where indicated, for sub-fertility
  • Waiting period of 36 months from the date of first inception of this policy.
  • Maximum liability of the Company for such treatment shall be limited to Rs.1 lakh for sum insured of Rs.5 lakh and Rs.2 lakhs for sum insured of Rs.10 lakhs and above for every block of 36 months.

• Additional Sum Insured for RTA(Road Traffic Accident): If the insured person meets with a Road Traffic Accident resulting in in-patient hospitalization, then the Basic sum insured shall be increased by 25% subject to a maximum of Rs.5,00,000/-

Automatic Restoration of Sum Insured : Available 3 times at 100% each time, during the policy period. Each restoration will operate only after the exhaustion of the earlier one.

Recharge Benefit:

Available up to the limits.

Bonus: Following a claim free year bonus of 25% of the expiring basic sum insured in the second year and additional 10% for subsequent years (max.100%) would be allowed. Where there is a claim the Bonus would be reversed in the same order in which it was given.

 Eligibility

• Any person aged between 18 years and 65 years, residing in India, can take this insurance.
• Beyond 65 years only renewals
• Child from 16th day of age can be covered as part of the family.

General Terms

This policy is on floater basis.
Family : Proposer, spouse, dependent children from 16 days up to 25 years (those who are economically dependent on their parents)

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.

Co-Payment: 20% of each and every claim for persons above 60 years at entry level and their subsequent renewals.

Pre-Acceptance Medical Screening: Persons above 50 years will be required to undergo pre-acceptance medical screening at the Company nominated centres. Cost of screening is currently borne by the company.

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

Star Advantage

• No Third Party Administrator, direct in-house claim settlement.
• Faster and hassle free claim settlement.
• 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 Health Insurance Best Health Insurer Outlook Awards 2016...

Star health insurance For Diabetic Persons @ Low cost & Best service

Here is a Diabetic Safe Policy that designed exclusively for people diagnosed with DIABETES MELLITUS Both TYPE I & II and offers insurance protection for treating the most commonly occurring complications arising out of diabetes as well as regular hospitalisation cover for other ailments.

Any person between 18 years and 65 years of age who is diagnosed with diabetes mellitus type I and II is eligible.

The insurance is available for sums of Rs. 3 lac, Rs.4 lac and Rs. 5 lac and 10 lac.

Premium depends upon the age of the person and the sum insured.

 Highlights

•  Cover for complications of Diabetes both type 1 and type 2.
•  Also covers regular hospitalization.
•  Policy can be taken on Individual and Floater basis.
•  Cost of artificial limbs due to amputation up to specified limits.
•  Automatic restoration of entire Sum insured by 100%.
• More than 400 day care procedures covered.
• No waiting period for Diabetes complication if undergone medical screening.

 General Terms

Pre- Acceptance Medical Screening
Persons above 50 years will be required to undergo pre-acceptance medical screening at the Company nominated centres. 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 a 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.

For More Details contact: 9790958828 or 9042804851

Star health Insurance for Senior citizens

Welcome to Star Health Insurance,India's first exclusive health insurance company.We Offer Special health insurance for Senior Citizens. Turning sixty is a major milestone. On the one hand, people tend to find more time for matters they couldn't adequately attend to during their years of career preoccupation. On the other, there is mounting anxiety about health. Yet, health insurance policies have hardly been available to address their needs. Star Health is proud to introduce India's first health insurance policy as a salute to our senior citizens. It provides cover for anyone over the age of 60 and permits entry right up to the age of 74 with continuing cover after that. It is our way of caring for a generation that has done so much to build the country

Major Product Features

This Health Insurance Plan from Star Health is unique among Senior Health Insurance Policies and extends benefits of Hospitalisation Cover as well as Post Hospitalisation Cover.
For Senior citizens aged between 60 to 75 years.
No pre-insurance medical test required.

Covers pre-existing diseases from the second year onwards.
Medical Consultations as an Out Patient in a Network Hospital.
Higher Sum Insured coverage upto Rs.10 Lakhs.
Guaranteed lifetime renewals.
Any person between 60 and 75 years of age at the time of entry can take this insurance policy. The sum insured under this insurance is per individual member covered.
 
Star Advantages

• No third Party Administrator, direct in-house claim settlement.
• Faster & hassle-free claim settlement.
• Cashless hospitalization wherever possible.
• Network of more than 6000 hospitals across India.
• 24x7 Toll Free Helpline.
• Information on health through free health magazine.
• Facility for maintaining personal health records in electronic format.

 Personalised customer service available.

Service Is Available For All over India

For More Details Pl Contact: 9790958828 or 9042804851

STAR COMPREHENSIVE HEALTH INSURANCE POLICY Offers Exhaustive Benefits For The Entire Family Designed to Eliminate Your Health Worries...

STAR COMPREHENSIVE HEALTH INSURANCE POLICY


When medical cost are sky rocketing, a comprehensive health insurance go a long way in alleviating your financial burden. Star comprehensive insurance policy does the same, with no sub-limits or caps, the policy offers exhaustive benefits for the entire family designed to eliminate your health worries.

Highlights

•  No cap on room rent and treatment cost.
•  Covers medical expenses incurred on Bariatric surgical procedures and its complications.
•  Air ambulance assistance, Second medical opinion are covered.
•  Cost of health check up for every block of 3 claim free years.
•  Cover for  maternity (normal and caesarean delivery) and New born baby.
•  Automatic restoration of entire Sum insured by 100%.
•  Dental / ophthalmic cover on OPD basis.
•  Hospital cash benefit.
•  Cover for over 400 day care procedures.
•  Personal accident cover against Death and Permanent total disablement (equal to the Health Insurance cover) at no additional cost.

 Benefits


Section 1:

• Hospitalization cover protects the insured for in patient hospitalization expenses for a minimum period of 24 hrs. These expenses include room rent (Single Standard A/C room), nursing and boarding charges, Surgeon, Anesthetist, Medical Practitioner, Consultants, Specialist fees, Cost of Medicines and Drugs.
• Ambulance charges for emergency transportation to hospital as per specified limits.
• Air Ambulance Benefit: Permitted up to 10% of the Sum Insured opted, during one policy period, applicable for sum insured of Rs.7.5 lakhs and above only.
• Pre hospitalization expenses up to 30 days prior to admission in the hospital
• Post hospitalization expenses up to 60 days after discharge from the hospital
• Out-patient consultation (other than dental and ophthal) expenses up to limits mentioned in the table of benefits
• Coverage for Domiciliary hospitalization for a period exceeding three days.

Section 2:

• Expenses for Delivery - including Pre-natal and Post natal expenses up-to the limits specified. A waiting period of 36 months of continuous coverage under this policy with Star will apply.
• Automatic coverage for the New Born (including internal and external congenital problems) up to the expiry of the current policy (On renewal this new born baby should be covered specifically)
• Vaccination expenses for the New Born upto Rs.1000/- payable.

Section 3: Outpatient Dental, Ophthalmic treatment

• Dental / Ophthalmic treatments as an out-patient - once in a block of every three years irrespective of whether a claim is made or not.

Section 4: Hospital Cash

• Hospital cash benefit for each completed day of hospitalization.

Section 5: Health Check up

• Cost of Health Check-up once after a block of every three claim-free years

Section 6: Bariatric Surgery

• Expenses incurred on hospitalization for bariatric surgical procedure and its complications thereof are payable subject to a maximum of Rs.2,50,000/- during the policy period.
• This maximum limit of Rs.2,50,000/- is inclusive of pre-hospitalization and post hospitalization expenses.
• Claim under this section shall be processed only on cashless basis.
• Coverage under this section is subject to a waiting period of 36 months and payable only while the policy is in force

Section 7: Accidental Death and Permanent Total Disablement

• Cover against Accidental Death
• The person chosen by the Proposer at the time of payment of premium as mentioned in the schedule herein is covered for Personal Accident
• The sum insured for this section is equal to the sum insured opted for the Health insurance.

Section 8: Option for Second Medical Opinion

• The Insured Person is given the facility of obtaining a Second Medical Opinion in electronic mode from a Doctor in the Company's network of Medical Practitioners
• Medical records can be sent to the mail id e_medicalopinion@starhealth.in

Automatic Restoration of Sum Insured (Applicable for Section 1 Only)​

• Upon exhaustion of Basic sum insured and the Bonus, sum insured will be automatically restored by 100% once policy period. Such restored Sum Insured can be utilized only for illness / disease unrelated to the illness / diseases for which claim/s was / were made.
• Such restoration will be available for section 1 other than Section 1G.

Bonus: 
Following a claim free year bonus at 50% of the basic sum insured (max.100%) would be allowed. Where there is a claim the Bonus would be reversed in the same order in which it was given.

Eligibility

• Persons between 18 years and 65 years of age at the time of entry can take this Insurance. Dependent children can be covered from 3 months and up to 25years of age. There is no upper age limit for continuous renewals.
• This policy is both on Individual basis and on Family Floater basis. Family for the purpose of this policy means self, spouse and dependent children, not exceeding 

 General Terms

 Co-Payment:
10% of each and every claim for persons above 60 years at entry level and their subsequent renewals.

Pre-Acceptance Medical Screening:
Persons above 50 years 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 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 shall allow refund of premium paid after adjusting the cost of pre-acceptance 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 of the policy.

 Star Advantages

• No third Party Administrator, direct in-house claim settlement.
• Faster & hassle-free claim settlement.
• Cashless hospitalization wherever possible.
• Network of more than 6000 hospitals across India.
• 24x7 Toll Free Helpline.
• Information on health through free health magazine.
• Facility for maintaining personal health records in electronic format.

 Personalised customer service available.

Service Is Available For All over India

For More Details Pl Contact: 9790958828 or 9042804851