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Star Unique Health Insurance Policy

  •  Pre-Existing Disease/ Condition covered after 11 months waiting period up to the limits specified.
  •  Ambulance charges for emergency transportation to hospital up to limits.
  •  Pre-Hospitalization expenses up to 30 days prior to admission in the hospital.
  •  Post-Hospitalization paid as lump-sum up to the specified limits.
  •  No pre-acceptance medical screening required.
  • Policy Term two years. Premium can be paid in 2 instalments.

IRDA/NL-HLT/SHAI/P-H/V.I/135/13-14

Recharge Benefit

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.
  • Specified Day-Care procedures covered
Policy Term:
  • This is a two year policy. The sum insured and sub limits are for each year of insurance and cannot be cumulated or carried forward.The premium under the policy can be paid in 2 instalments as indicated.The first instalment is payable at the commencement of the policy. The second instalment is payable at the beginning of the second year of the policy. The policy would lapse if the instalment is not paid on or before the due date.
  • 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.

Eligibility

Any person between18 years and 65 years of age at the time of entry can take this insurance.

 

Pre-acceptance medical screening:

No Pre-acceptance medical screening is required for this insurance.

General Terms

Co-pay:

30% of admissible claim amount, in respect of each and every claim.

 

Pre-Existing Diseases / Illness:

Pre-Existing Disease/ Condition (other than those diseases / conditions for which specific periods have been mentioned under exclusions) will be covered after 11 months of continuous coverage with the Company. Coverage will be upto the limits specified.

 

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.

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 record in electronic format. 

NOTE:  The benefits mentioned herein are only an outline of the policy. For details please contact your nearest Star Health Office or call toll free no 1800 425 2255/1800 102 4477.

Premium Chart

Premium EXCLUDING SERVICE TAX
Sum Insured Options (Rs) Sub-limit for PED Cover(Rs)
AGE
Applicable for offices in Ahmadabad, Bangalore, Mumbai (including Thane) and
New Delhi (includingFaridabad, Gurgaon & Noida)
18-25yrs 26-40yrs 41-55yrs 56-60yrs 61-65yrs 66-70yrs
100000 50000 5880 6720 10080 11760 14170 16100
200000 100000 7585 9840 14760 17220 20745 23575
300000 150000 10625 13800 20010 22770 23805 26450
Applicable for rest of India
Sum Insured Options (Rs) Sub-limit for PED Cover (Rs)
AGE
18-25yrs 26-40yrs 41-55yrs 56-60yrs 61-65yrs 66-70yrs
100000 50000 4900 5600 8400 9800 12320 14000
200000 100000 6320 8200 12300 14350 18040 20500
300000 150000 8855 11500 16675 18975 20700 23000
Premium INCLUDING SERVICE TAX @ 15%
Sum Insured Options (Rs) Sub-limit for PED Cover(Rs)
AGE
Applicable for offices in Ahmadabad, Bangalore, Mumbai (including Thane) and
New Delhi (includingFaridabad, Gurgaon & Noida)
18-25yrs 26-40yrs 41-55yrs 56-60yrs 61-65yrs 66-70yrs
100000 50000 6762 7728 11592 13524 16296 18515
200000 100000 8723 11316 16974 19803 23857 27111
300000 150000 12219 15870 23012 26186 27376 30418
Applicable for rest of India
Sum Insured Options (Rs) Sub-limit for PED Cover (Rs)
AGE
18-25yrs 26-40yrs 41-55yrs 56-60yrs 61-65yrs 66-70yrs
100000 50000 5635 6440 9660 11270 14168 16100
200000 100000 7268 9430 14145 16503 20746 23575
300000 150000 10183 13225 19176 21821 23805 26450
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