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... 

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 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 Health Insurance Best Health Insurer Outlook Awards 2016...

Mediclassic insurance From Star Health Insurance covers upto 4.5lacs at Rs.2510/-

Mediclassic insurance From Star Health Insurance is a policy that provides cashless hospitalisation expenses incurred as a result of illness/sickness/disease/ and/or accidental injuries, so that you can keep your dreams alive.

Highlights 

No claim bonus of 5% for every claim free year up to 25%. Health Checkup costs up to Rs.5,000/- for every block of 4 claim free years. Automatic restoration of entire Sum insured by 200%. Optional Covers : Hospital cash and patient care cover. 101 day-care procedures covered.

Benefits

• 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.

Non-Allopathic Treatments:
Covered up-to specified limits.

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

Add-on covers (subject to payment of additional premium):

• Patient Care: Available for persons above 60 years. Pays for attendant charges after discharge from hospital for maximum 5 days per hospitalisation and 14 days per policy period.
• Hospital Cash: Hospital cash benefit for each completed day of hospitalization.

Policy Term:
Policy is available for one year term and two years term. In case of two year policy a discount of 5% on the two year premium paid, available.

Family Package:

• Available for persons from 5 months to 45 years. The sum insured is apportioned equally among insured family members. Health Checkup benefit will be calculated on the policy sum insured and equally divided among all the insured persons.
• Optional Benefit of New Born Baby cover available under this Plan. Sum Insured : 10% of the mother's sum insured. Premium : 10% of the policy premium.

Health Check-up benefits:

• Cost of Health Check-up once after a block of every four claim-free years.
• This benefit is available for sum insured of Rs.2,00,000/- and above only.

Automatic Restoration of Sum Insured (not appilcable for Family Package):
In the event of a claim, during the currency of the policy, if the entire sum insured is exhausted and the policy has not yet expired then the automatic restoration of Sum Insured will operate and the sum insured will be restored to the original amount i.e. 200% only once. This restored sum insured can be utilized, during the remaining policy period, for any other illness / diseases unrelated to the ones for which claim/s has /have been made.

HIV Persons Coverage:
This policy can be taken by HIV positive persons provided the CD 4 count at the time of entry is above 350 (proof to be produced). However, hospitalization for any opportunistic infections is not covered.

Bonus:

• Bonus calculated at 5% of the basic sum insured for every claim-free year subject to a maximum of 25% is allowable.In the event of the claim the bonus will reduced by 5%.
• Bonus is not available for Family Package Plan.

Eligibility 

Policy can be taken by any person between 5 months and 65 years of age.

General Terms

Pre- Acceptance Medical Screening:
Persons above 50 years will be required to undergo pre-acceptance medical screening at the company nominated centers. The 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.

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

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 records in electronic format.
Personalised customer service available

For More Details contact : 9790958828 or 9042804851

Family Health Optima from Star Health is a health insurance plan that gives protection for the entire family at low cost & best service

Family Health Optima from Star Health is a health insurance plan that gives protection for the entire family on the payment of a single premium under a single sum insured. The sum insured floats among the family members insured. It's just one more way to tighten the family bonds.

Highlights

• Single policy, wider coverage for whole family at an affordable premium.
• Get extra sum insured (auto recharge) at no extra cost, up to 30%  of sum insured.
• Health Checkup costs up to Rs.5,000/- for every block of 3 years of policy coverage.
• Automatic restoration of entire Sum insured by 100%.
• New-born baby cover from 16th day.
• Donor expenses for organ transplantation.
• Domiciliary Hospitalization Expenses for treatment exceeding 3 days.
• Cover for over 400 day care procedures.

 Benefits


Recharge Benefit:
This benefit provides additional indemnity upto specified limits, when the sum insured under the policy is exhausted / exceeded. This can be utilized for any claim payable under the policy.

More than 400 Day Care procedures

Expenses incurred towards cost of Health Check up

Coverage for New born Baby

Coverage for Domiciliary hospitalization treatments

Donor expenses for organ transplantation

Bonus:
Bonus in respect of a claim-free year of insurance is allowable upto the limits specified. The bonus so granted will be reduced in the same order in which it was given following a claim. However the Basic sum insured shall not be reduced.


Automatic Restoration of Sum Insured:
Immediately upon exhaustion of the limit of coverage during the policy period, there shall be an automatic restoration of the basic sum insured by 100% where the sum insured is Rs.3,00,000/- and above.

Who Can Take This Insurance?

Any persons aged between 5 months and 65years, residing in India, can take this insurance.

Family Includes

Proposer, spouse, dependent children upto 25 years (those who are economically dependent on their parents)


Policy Benefits:

• 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, Anesthetist, Medical Practitioner, Consultants, Specialist Fees, Anesthesia, Blood, Oxygen, Operation Theatre charges, Cost of Pacemaker, Cost of Medicine and drugs etc.
• Ambulance charges for emergency transportation upto a sum of Rs.750/- per hospitalization and overall limit of Rs.1500/- per policy period.
• Pre Hospitalisation expenses upto 60 days prior to admission in the hospital.
• Post Hospitalisation expenses upto 90 days after discharge from the hospital.

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.

Star Advantages

No Third Party Administrator direct in-house claims settlement.

Faster & hassle-free claim settlement.

Cashless hospitalization. Whereever possible

Network of more than 6500 hospitals across India

Free expert medical consultation over phone

24 x 7 Toll Free Helpline


Personalised customer service available

For More Details contact : 9790958828 or 9042804851

Star Health Insurance Personal Accident Care Individual Policy for Low cost & best service

Accident come uninvited and they can unsettle your life and those of your loved ones. A little planning in this regard goes a long way.
  
Highlights

• Cover for Accidental death, Permanent Disability and Temporary Disablement.
• Compensation for Permanent Total Disablement is 150% of the sum insured.
• Enhanced weekly compensation up to Rs.15000/- per week (maximum 100 weeks).
• Educational Grant for dependent children
• Cumulative bonus 5% per annum maximum 50%

 Benefits


New Features:

• Introduced additional free benefits
• Hospital Cash – Optional benefits
• Home Convalescence – Optional benefits
• Medical Expenses Extension
• Coverage for Winter Sports

Policy Benefits:

• Table A – covers Accidental Death
• Table B – covers Accidental Death and Permanent Disablement
• Table C – covers Accidental Death, Permanent Disablement and Temporary Total Disablement (Weekly Compensation)

Additional Free Benefits:

• Educational Grant: Maximum of Rs.10,000/- per child upto 2 children in case of Death/Permanent Total Disability of the insured person
• Ambulance Charges / Transportation Expenses of Mortal Remains: The limit of Company’s liability is Rs.5,000/- only during the policy period.
• Travel Expenses for One Relative (Applicable for Death claims only): 1% of Total Sum Insured upto Rs.50,000/- subject to actual for the transport expenses to one relative of the insured person.
• Vehicle and/or Residence Modification: 10% of Table B and Table C sum insured subject to a maximum of Rs.50,000/- towards the expenses incurred to modify the insured person’s residential accommodation or vehicle.
• Purchase of Blood: Upto 5% of the Total sum insured subject to a maximum of Rs.10,000/- towards the expenses incurred in purchasing blood through a Hospital or Government approved blood bank.
• Transportation of Imported Medicines: Upto 5% of Total sum insured subject to a maximum of Rs.20,000/- towards the expenses incurred on freight charges for importing medicines.The above mentioned amounts are payable in addition to the sum insured.

Optional Benefits (on payment of additional premium):

• Medical Expenses Extension: Upto 25% of the valid claim or 10% of the sum insured or actual whichever is less subject to a overall limit of Rs.5,00,000/- per policy period.
• Hospital Cash: Cash benefit of Rs.1000/- for each completed day of Hospitalization (excluding date of admission and date of discharge) provided such hospitalization happens within 30 days from the date of accident.
• Home convalescence: Rs.500/- for each completed day subject to a maximum of 15 days per occurrence and 60 days per policy period towards the cost of engaging one attendant at residence  immediately after discharge from the hospital

Cumulative Bonus :

• Cumulative Bonus of 5% of the sum insured accrues to the insured person for each completed year, subject to a maximum of 50%. Cumulative bonus will not be lost if the policy is renewed within 30 days. Cumulative bonus is not applicable on the ADDITIONAL BENEFITS OR OPTIONAL BENEFITS

 Eligibility

• Any person between 18 and 70 years of age at the time of entry can take this insurance. Lifelong renewal.
• Dependent children covered from 5 months
• Policy benefits are applicable individually for each person covered under family.

 Star Advantages

• No Third Party Administrator - direct in - house claims 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 contact: 9790958828, 9042804851

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 Overseas Mediclaim Travel Protect Insurance For Low cost & best service

All of us tackle problems well when you are in an alien land, dealing in home currency, and are braving a very different climate, any problem starts to seem like a daunting challenge. During travel, you are adapting to the weather, the time zone change, the pronunciation, and the food among other things. So for a gamut of risks you have to face up to, you need the Star Health Individual Travel Protect Policy, whether it's business or leisure that takes you abroad.


Highlights

•  Emergency medical expenses including medical evacuation and transportation of mortal remains.
•  Dental emergency expenses following an accident.
•  Cover for Loss of checked in baggage, Delay of checked in baggage, Loss of Passport, Trip Cancellation, Flight Delay, Missed Departure/Connection and Hijack Distress.
•  Personal Accident Cover.
•  Cover for Legal Liability for bodily injury or property damage to third party.

 Benefits


When you travel abroad on business or holiday Star Travel Protect insurance policy provides you coverage for the following exigency:

• Emergency medical expenses
• Repatriation in case of medical emergency
• Repatriation of mortal remains
• Any dental emergency expenses following an accident
• Compensation following accidental injuries
• Loss of your checked in baggage(up to the limits)
• Reasonable expenses incurred for obtaining new passport
• Flight delay
• Missed departure/connection
• Hijack distress
• Expenses on emergency purchases of consumables due to any delay in handing over your checked in baggage by the carrier for more than 12 hours
• Pecuniary loss on cancellation of your trip due to any accidental bodily injury/death of a family member
• Any Legal Liability that maybe fastened upon you, if you cause any bodily injury or property damage to any third party

 Eligibility

 Any individual who is a permanent resident of India- above 6 months of age, travelling abroad for work or leisure can take this overseas travel insurance.

 Star Advantages

•  Tie up with reputed overseas assistance companies to render policy services abroad.
•  Free Health magazines are issued to policy holders at regular intervals.
•  Free storage facility for storing medical records in electronic form.

 
Personalised customer service available.

Service Is Available For All over India

For More details contact: 9790958828, 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

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

Star Health Insurance For Low Cost & Best Service

Welcome to Star Health Insurance,India 's first exclusive health insurance company.We specialise in Mediclaim-Health Insurance, and Personal Accident-Accident Insurance, Overseas medical Insurance, Travel Protect Insurance. Promoting Health, Protecting Health, 24 hour helpline, Cashless hospitalisation facility.Free general physician advice. Unlimited free out patient consultation for a small premium.No medical examination up to 50 years. Medical examination cost borne by the company. Faster disbursement of claims. No TPA.Large network of over 8200+ hospitals across India. Over 350 hospitals in Chennai. Star Clinics to cater Star Insurance Customers and General Public. Health consultation through Tele and Video conference. Mediclaim from 5 months to 80 years of age. Family floater available.Lowest premium. Tax Benifits under section 80D of the Income Tax Act, etc.

ABOUT STAR HEALTH

Star Health and Allied Insurance, India’s first and only exclusive health insurance company, is a joint venture between Oman Insurance Company, leading Indian industrialists and business houses. The company is committed to becoming the most favoured Health Insurance brand in India and setting benchmarks for the industry in service, innovative products and collaborative relationships.


Our Exclusive Products

Medi Classic

Family Health Optima

Star Comprehensive

Senior Citizen Red Carpet

Star Health Gain

Diabetes Safe

Star Cardiac Care

Super Surplus

Star Criticare Plus

Star Delite

Star Accident Care

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