| Star Health brings you this Unique insurance policy with unique benefits for - coverage for both future ailments / diseases and for pre existing diseases / conditions. |
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| Pre- Medical screening |
| There is no pre acceptance medical screening. |
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| 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 have elapsed, since inception of this policy with the Company. |
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| Policy Benefits |
| Hospitalization Cover : |
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In-patient hospitalisation for a minimum of 24 hours. |
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Expenses covered are: |
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Room , Boarding and Nursing Expenses @ 1% of sum insured subject to a maximum of Rs.3000/- per day. |
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Surgeon, Anaesthetist, Medical Practitioner, Consultants, Specialist Fees. |
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Anaesthesia, Blood, Oxygen, Operation Theatre charges, Surgical Appliances, Medicines and Drugs, Diagnostic Materials and X-ray, Dialysis, Chemotherapy, Radiotherapy, cost of Pacemaker and similar expenses. |
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Emergency ambulance charges for tranporting the insured person upto a sum of Rs.750/- per hospitalisation and overall limit of Rs.1500/- per policy period. |
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| Pre-Hospitalization & Post-Hospitalization |
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Pre-hospitalization medical expenses upto 30 days prior to the date of admission. |
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Post-hospitalization - a lumpsum calculated at 7% of the hospitalization expenses (excluding room charges) subject to a maximum of Rs.5,000/-. |
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| HIV positive persons |
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Covers HIV positive persons except for opportunistic infections and treatment for HIV / AIDS. The minimum CD 4 count at the time of entry should be 350. |
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| Non Allopathic Treatments |
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Upto 25% of sum insured subject to a maximum of Rs.25000/- per occurrence, per year of insurance. |
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| Eligibility |
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Any person aged between 18 years and 65 years residing in India. Renewals would be accepted upto 70 years. |
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Beyond 70 years renewals would be provided under any other health insurance policy of the company. |
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| Policy Period |
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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. |
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| Payment of premium |
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The premium under the policy can be paid in 2 instalments as indicated. |
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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. |
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The policy would lapse if the instalment is not paid on or before the due date. |
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| Annual Policy Premium (Service Tax Extra) |
| Applicable for offices in Ahmedabad, Bangalore, Mumbai (including Thane) and New Delhi (including Faridabad, Gurgaon & Noida) |
| Sum Insured Options (Rs) |
Sub-limit for PED Cover(Rs) |
18 yrs - 25 yrs |
26 yrs - 40 yrs |
41 yrs - 55 yrs |
56 yrs - 60 yrs |
61 yrs - 65 yrs |
66 yrs - 70 yrs |
| 100000 |
50000 |
5880 |
6720 |
10080 |
11760 |
14170 |
16100 |
| 200000 |
100000 |
7585 |
9840 |
14760 |
17220 |
20745 |
23575 |
| 300000 |
150000 |
10625 |
13800 |
20010 |
22770 |
23805 |
26450 |
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| Applicable for offices in rest of India |
| Sum Insured Options (Rs) |
Sub-limit for PED Cover(Rs) |
18 yrs - 25 yrs |
26 yrs - 40 yrs |
41 yrs - 55 yrs |
56 yrs - 60 yrs |
61 yrs - 65 yrs |
66 yrs - 70 yrs |
| 100000 |
50000 |
4900 |
5600 |
8400 |
9800 |
12320 |
14000 |
| 200000 |
100000 |
6320 |
8200 |
12300 |
14350 |
18040 |
20500 |
| 300000 |
150000 |
8855 |
11500 |
16675 |
18975 |
20700 |
23000 |
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| Note : Premium figures are excluding Service Tax. |
| Note : The sum insured is for each year of insurance and cannot be cumulated or carried forward |
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| Tax Benefits |
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Payment of premium by any mode other than cash for insurance under this policy is eligible for relief under section 80D of the Income Tax Act |
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| Star Advantages |
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No Third Party Administrator; direct in-house claims settlement |
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Faster & hassle-free claim settlement |
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Cashless hospitalization |
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Network of more than 5400 hospitals across India |
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24x7 Toll- free Helpline |
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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 1800 425 2255 / 1800 102 4477 for medical advices. |
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Free Health magazines are issued to policy holders at regular intervals |
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| NOTE: The benefits mentioned herein are only an outline of the policy. For complete details, please contact your nearest Star Health office. |
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Star Unique Health
