TOLL FREE NUMBER- 1800 425 2255/1800 102 4477

1800 425 2255/1800 102 4477

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Star First Classic

Health Section
  • No claim bonus of 5% for every claim free year up to 25%.
  • Health Check-up 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.
Life Section
  • Sum assured is payable in case of the death of the policyholder during the policy term

IRDAI/HLT/SHAI/Combi/V.I/5/2016-17

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, Diagnostics, Anaesthesia, Blood,Oxygen, Operation Theatre charges, implants 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 up to the limit specified.
  • 101 Day-care treatments covered.

 

Non-Allopathic Treatments

  • Covered up-to specified limits.

 

Pre-Existing Diseases / Illness:

  • Covered after 48 months of continuous Insurance without break with any Indian non-lifeInsurance 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.

 

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 (applicable for Hospitalization):

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

  • 5% for every claim free year up to 25% maximum

 

Life Section

  • Pure Term Life Insurance Cover- this section pays the nominee the stated sum assured in case of the death of the policyholder during the policy term of contract

Eligibility

For Health Benefits: Entry age between 18 years and 65 years. Dependent children can be covered from 5months to 25 yrs. There is no exit age for health cover.

 

For Life Benefits: Entry age between 18 years and 60 years. The Life Insurance Benefit is offered only for the primary life insured. Medical underwriting will be applicable for eligible persons above 50 years of age. The Plan term is 5 years (fixed) and maximum age at the end of the plan term is 65 years.

 

Beyond 65 years renewal can be only for health cover under any health indemnity policy offered by Star Health.

General Terms

Co-Payment (Applicable for Health Section only):
10% of each and every claim for persons above 60 years at entry level and their subsequent renewals.

 

Pre-Acceptance Medical Screening for both Health and Life Sections:
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 for both Health and Life Sections:
Amount paid by any mode other than by cash for this Health section insurance is eligible for relief under Section 80D of the Income Tax Act.
Amount paid for this Life section insurance is eligible for relief under Section 80C of the Income Tax Act.

 

Free look period for both Health and Life Sections:
Health Section: A free-look period of 15 days from the date of receipt of the policy document is available to the insured person 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.

 

Life Section:
This Plan can be cancelled if there exists disagreement with any of the terms and conditions of this Plan within the first 15 days from the receipt of this Plan document. Original Policy document and a written request stating the reasons for cancellation may be sent by post after which refund of premium after deducting the pro-rata risk premium, stamp duty and charges for medical examination, if any, will be made.

 

Free look cancellation is not applicable at the time of renewal of the policy.

 

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

Star Advantage

  • No third Party Administrator, direct in-house claim settlement.
  • Faster & hassle-free claim settlement.
  • Cashless hospitalization wherever possible.
  • Network of more than 8200+ hospitals across India.
  • 24x7 Toll Free Helpline.
  • Information on health through free health magazine.
  • Facility for maintaining personal health records 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

EXCLUDING TAX
Zone 1
Delhi, Noida, Gurgaon, Ghaziabad, Faridabad,Mumbai, Thane, Pune and entire State of Gujarat
Annual Premium in Rs.
SUM INSURED (Rs.)
Age in Yrs 150000 200000 300000 400000 500000 1000000 1500000
5mts-35 2510 3030 4400 4915 5450 7800 9545
36-45 2510 3260 4650 5550 6145 8200 9910
46-50 3770 5120 7665 8950 10700 13600 15310
51-55 4495 6110 11365 12690 14000 18384 22510
56-60 6200 7750 13750 15535 16775 22910 29160
61-65 7900 9850 14350 20000 24430 28900 39555
Renewals Only
Age in Yrs 150000 200000 300000 400000 500000 1000000 1500000
66-70 11800 14005 20000 26800 34680 34755 47125
71-75 13300 17330 24350 31525 38700 41615 52525
76-80 16800 22300 32270 42420 52540 58250 67825
Above 80 21840 28990 41950 55140 68300 75725 88170
INCLUDING TAX @ 18%
Zone 1
Delhi, Noida, Gurgaon, Ghaziabad, Faridabad,Mumbai, Thane, Pune and entire State of Gujarat
Annual Premium in Rs.
SUM INSURED (Rs.)
Age in Yrs 150000 200000 300000 400000 500000 1000000 1500000
5mts-35 2962 3575 5192 5800 6431 9204 11263
36-45 2962 3847 5487 6549 7251 9676 11694
46-50 4449 6042 9045 10561 12626 16048 18066
51-55 5304 7210 13411 14974 16520 21693 26562
56-60 7316 9145 16225 18331 19795 27034 34409
61-65 9322 11623 16933 23600 28827 34102 46675
Renewals Only
Age in Yrs 150000 200000 300000 400000 500000 1000000 1500000
66-70 13924 16526 23600 31624 40922 41011 55608
71-75 15694 20449 28733 37200 45666 49106 61980
76-80 19824 26314 38079 50056 61997 68735 80034
Above 80 25771 34208 49501 65065 80594 89356 104041

Zone 2
Rest of India ( Other than Delhi, Noida, Gurgaon, Ghaziabad, Faridabad,Mumbai, Thane, Pune and entire State of Gujarat )
Age in Yrs 150000 200000 300000 400000 500000 1000000 1500000
5mts-35 2510 2880 4000 4515 5080 7465 9165
36-45 2510 3175 4535 5210 5870 7965 9595
46-50 3770 4775 7200 8700 10700 13265 14710
51-55 4495 5900 11115 12335 13555 17875 21710
56-60 6200 7350 13200 15000 15875 21440 28810
61-65 7900 9550 14000 19600 24000 28200 38365
Renewals Only
Age in Yrs 150000 200000 300000 400000 500000 1000000 1500000
66-70 11800 13500 19600 26200 33840 34200 46395
71-75 13300 16950 23800 31000 38100 40800 50675
76-80 16800 22000 31900 41900 51900 57600 66700
Above 80 21840 28600 41470 54470 67470 74880 86710
Note: Pre-Insurance Medical Examination is compulsory for all persons above 50 years
Zone 2
Rest of India ( Other than Delhi, Noida, Gurgaon, Ghaziabad, Faridabad,Mumbai, Thane, Pune and entire State of Gujarat )
Age in Yrs 150000 200000 300000 400000 500000 1000000 1500000
5mts-35 2962 3398 4720 5328 5994 8809 10815
36-45 2962 3747 5351 6148 6927 9399 11322
46-50 4449 5635 8496 10266 12626 15653 17358
51-55 5304 6962 13116 14555 15995 21093 25618
56-60 7316 8673 15576 17700 18733 25299 33996
61-65 9322 11269 16520 23128 28320 33276 45271
Renewals Only
Age in Yrs 150000 200000 300000 400000 500000 1000000 1500000
66-70 13924 15930 23128 30916 39931 40356 54746
71-75 15694 20001 28084 36580 44958 48144 59797
76-80 19824 25960 37642 49442 61242 67968 78706
Above 80 25771 33748 48935 64275 79615 88358 102318

Family Package Plan
Available for persons below 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.
Premium Rating                                                  Excluding Tax
All India Annual Premium in Rs.
Family Package plan
The sum insured is apportioned equally among all the family members who are insured
Sum Insured Sum Insured Rs. 200000/- Sum Insured Rs. 300000/-
Age in Yrs 2A 2A+ 1C 2A+2C 2A 2A+ 1C 2A+2C
5m-25 4460 5149 5200 4745 5945 7145
26-30 4635 5280 5400 5045 6195 7345
31-35 4635 5280 5600 5230 6275 7483
36-40 4965 5400 6200 5555 6365 7700
41-45 5095 5595 6500 5915 6500 7805
Family Package Plan
Available for persons below 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.
Premium Rating                                                  Including Tax @ 18%
All India Annual Premium in Rs.
Family Package plan
The sum insured is apportioned equally among all the family members who are insured
Sum Insured Sum Insured Rs. 200000/- Sum Insured Rs. 300000/-
Age in Yrs 2A 2A+ 1C 2A+2C 2A 2A+ 1C 2A+2C
5m-25 5263 6076 6136 5599 7015 8431
26-30 5469 6230 6372 5953 7310 8667
31-35 5469 6230 6608 6171 7405 8830
36-40 5859 6372 7316 6555 7511 9086
41-45 6012 6602 7670 6980 7670 9210

Premium for Female live (Excluding Tax) Life Section
Age at entry/Sum Assured 300000 400000 500000 600000 700000 800000 900000
18 1,170 1,560 1,950 2,340 2,730 3,120 3,510
19 1,170 1,560 1,950 2,340 2,730 3,120 3,510
20 1,170 1,560 1,950 2,340 2,730 3,120 3,510
21 1,170 1,560 1,950 2,340 2,730 3,120 3,510
22 1,179 1,572 1,965 2,358 2,751 3,144 3,537
23 1,185 1,580 1,975 2,370 2,765 3,160 3,555
24 1,191 1,588 1,985 2,382 2,779 3,176 3,573
25 1,194 1,592 1,990 2,388 2,786 3,184 3,582
26 1,197 1,596 1,995 2,394 2,793 3,192 3,591
27 1,200 1,600 2,000 2,400 2,800 3,200 3,600
28 1,206 1,608 2,010 2,412 2,814 3,216 3,618
29 1,209 1,612 2,015 2,418 2,821 3,224 3,627
30 1,212 1,616 2,020 2,424 2,828 3,232 3,636
31 1,218 1,624 2,030 2,436 2,842 3,248 3,654
32 1,227 1,636 2,045 2,454 2,863 3,272 3,681
33 1,236 1,648 2,060 2,472 2,884 3,296 3,708
34 1,248 1,664 2,080 2,496 2,912 3,328 3,744
35 1,263 1,684 2,105 2,526 2,947 3,368 3,789
36 1,281 1,708 2,135 2,562 2,989 3,416 3,843
37 1,302 1,736 2,170 2,604 3,038 3,472 3,906
38 1,323 1,764 2,205 2,646 3,087 3,528 3,969
39 1,737 2,316 2,895 3,474 4,053 4,632 5,211
40 1,770 2,360 2,950 3,540 4,130 4,720 5,310
41 1,806 2,408 3,010 3,612 4,214 4,816 5,418
42 1,848 2,464 3,080 3,696 4,312 4,928 5,544
43 1,899 2,532 3,165 3,798 4,431 5,064 5,697
44 1,956 2,608 3,260 3,912 4,564 5,216 5,868
45 2,022 2,696 3,370 4,044 4,718 5,392 6,066
46 2,097 2,796 3,495 4,194 4,893 5,592 6,291
47 2,181 2,908 3,635 4,362 5,089 5,816 6,543
48 2,280 3,040 3,800 4,560 5,320 6,080 6,840
49 3,009 4,012 5,015 6,018 7,021 8,024 9,027
50 3,129 4,172 5,215 6,258 7,301 8,344 9,387
51 3,261 4,348 5,435 6,522 7,609 8,696 9,783
52 3,402 4,536 5,670 6,804 7,938 9,072 10,206
53 3,552 4,736 5,920 7,104 8,288 9,472 10,656
54 3,708 4,944 6,180 7,416 8,652 9,888 11,124
55 3,876 5,168 6,460 7,752 9,044 10,336 11,628
56 4,047 5,396 6,745 8,094 9,443 10,792 12,141
57 4,224 5,632 7,040 8,448 9,856 11,264 12,672
58 4,407 5,876 7,345 8,814 10,283 11,752 13,221
59 5,841 7,788 9,735 11,682 13,629 15,576 17,523
60 6,048 8,064 10,080 12,096 14,112 16,128 18,144
Premium for Female live (Including Tax @ 18%) Life Section
Age at entry/Sum Assured 300000 400000 500000 600000 700000 800000 900000
18 1381 1841 2301 2761 3221 3682 4142
19 1381 1841 2301 2761 3221 3682 4142
20 1381 1841 2301 2761 3221 3682 4142
21 1381 1841 2301 2761 3221 3682 4142
22 1391 1855 2319 2782 3246 3710 4174
23 1398 1864 2331 2797 3263 3729 4195
24 1405 1874 2342 2811 3279 3748 4216
25 1409 1879 2348 2818 3287 3757 4227
26 1412 1883 2354 2825 3296 3767 4237
27 1416 1888 2360 2832 3304 3776 4248
28 1423 1897 2372 2846 3321 3795 4269
29 1427 1902 2378 2853 3329 3804 4280
30 1430 1907 2384 2860 3337 3814 4290
31 1437 1916 2395 2874 3354 3833 4312
32 1448 1930 2413 2896 3378 3861 4344
33 1458 1945 2431 2917 3403 3889 4375
34 1473 1964 2454 2945 3436 3927 4418
35 1490 1987 2484 2981 3477 3974 4471
36 1512 2015 2519 3023 3527 4031 4535
37 1536 2048 2561 3073 3585 4097 4609
38 1561 2082 2602 3122 3643 4163 4683
39 2050 2733 3416 4099 4783 5466 6149
40 2089 2785 3481 4177 4873 5570 6266
41 2131 2841 3552 4262 4973 5683 6393
42 2181 2908 3634 4361 5088 5815 6542
43 2241 2988 3735 4482 5229 5976 6722
44 2308 3077 3847 4616 5386 6155 6924
45 2386 3181 3977 4772 5567 6363 7158
46 2474 3299 4124 4949 5774 6599 7423
47 2574 3431 4289 5147 6005 6863 7721
48 2690 3587 4484 5381 6278 7174 8071
49 3551 4734 5918 7101 8285 9468 10652
50 3692 4923 6154 7384 8615 9846 11077
51 3848 5131 6413 7696 8979 10261 11544
52 4014 5352 6691 8029 9367 10705 12043
53 4191 5588 6986 8383 9780 11177 12574
54 4375 5834 7292 8751 10209 11668 13126
55 4574 6098 7623 9147 10672 12196 13721
56 4775 6367 7959 9551 11143 12735 14326
57 4984 6646 8307 9969 11630 13292 14953
58 5200 6934 8667 10401 12134 13867 15601
59 6892 9190 11487 13785 16082 18380 20677
60 7137 9516 11894 14273 16652 19031 21410

Premium for Male live (Excluding Tax) Life Section
Age at entry/Sum Assured 300000 400000 500000 600000 700000 800000 900000
18 1,170 1,560 1,950 2,340 2,730 3,120 3,510
19 1,179 1,572 1,965 2,358 2,751 3,144 3,537
20 1,185 1,580 1,975 2,370 2,765 3,160 3,555
21 1,191 1,588 1,985 2,382 2,779 3,176 3,573
22 1,194 1,592 1,990 2,388 2,786 3,184 3,582
23 1,197 1,596 1,995 2,394 2,793 3,192 3,591
24 1,200 1,600 2,000 2,400 2,800 3,200 3,600
25 1,206 1,608 2,010 2,412 2,814 3,216 3,618
26 1,209 1,612 2,015 2,418 2,821 3,224 3,627
27 1,212 1,616 2,020 2,424 2,828 3,232 3,636
28 1,218 1,624 2,030 2,436 2,842 3,248 3,654
29 1,227 1,636 2,045 2,454 2,863 3,272 3,681
30 1,236 1,648 2,060 2,472 2,884 3,296 3,708
31 1,248 1,664 2,080 2,496 2,912 3,328 3,744
32 1,263 1,684 2,105 2,526 2,947 3,368 3,789
33 1,281 1,708 2,135 2,562 2,989 3,416 3,843
34 1,302 1,736 2,170 2,604 3,038 3,472 3,906
35 1,323 1,764 2,205 2,646 3,087 3,528 3,969
36 1,737 2,316 2,895 3,474 4,053 4,632 5,211
37 1,770 2,360 2,950 3,540 4,130 4,720 5,310
38 1,806 2,408 3,010 3,612 4,214 4,816 5,418
39 1,848 2,464 3,080 3,696 4,312 4,928 5,544
40 1,899 2,532 3,165 3,798 4,431 5,064 5,697
41 1,956 2,608 3,260 3,912 4,564 5,216 5,868
42 2,022 2,696 3,370 4,044 4,718 5,392 6,066
43 2,097 2,796 3,495 4,194 4,893 5,592 6,291
44 2,181 2,908 3,635 4,362 5,089 5,816 6,543
45 2,280 3,040 3,800 4,560 5,320 6,080 6,840
46 3,009 4,012 5,015 6,018 7,021 8,024 9,027
47 3,129 4,172 5,215 6,258 7,301 8,344 9,387
48 3,261 4,348 5,435 6,522 7,609 8,696 9,783
49 3,402 4,536 5,670 6,804 7,938 9,072 10,206
50 3,552 4,736 5,920 7,104 8,288 9,472 10,656
51 3,708 4,944 6,180 7,416 8,652 9,888 11,124
52 3,876 5,168 6,460 7,752 9,044 10,336 11,628
53 4,047 5,396 6,745 8,094 9,443 10,792 12,141
54 4,224 5,632 7,040 8,448 9,856 11,264 12,672
55 4,407 5,876 7,345 8,814 10,283 11,752 13,221
56 5,841 7,788 9,735 11,682 13,629 15,576 17,523
57 6,048 8,064 10,080 12,096 14,112 16,128 18,144
58 6,279 8,372 10,465 12,558 14,651 16,744 18,837
59 6,525 8,700 10,875 13,050 15,225 17,400 19,575
60 7,569 10,092 12,615 15,138 17,661 20,184 22,707
Premium for Male live (Including Tax @ 18%) Life Section
Age at entry/Sum Assured 300000 400000 500000 600000 700000 800000 900000
18 1381 1841 2301 2761 3221 3682 4142
19 1391 1855 2319 2782 3246 3710 4174
20 1398 1864 2331 2797 3263 3729 4195
21 1405 1874 2342 2811 3279 3748 4216
22 1409 1879 2348 2818 3287 3757 4227
23 1412 1883 2354 2825 3296 3767 4237
24 1416 1888 2360 2832 3304 3776 4248
25 1423 1897 2372 2846 3321 3795 4269
26 1427 1902 2378 2853 3329 3804 4280
27 1430 1907 2384 2860 3337 3814 4290
28 1437 1916 2395 2874 3354 3833 4312
29 1448 1930 2413 2896 3378 3861 4344
30 1458 1945 2431 2917 3403 3889 4375
31 1473 1964 2454 2945 3436 3927 4418
32 1490 1987 2484 2981 3477 3974 4471
33 1512 2015 2519 3023 3527 4031 4535
34 1536 2048 2561 3073 3585 4097 4609
35 1561 2082 2602 3122 3643 4163 4683
36 2050 2733 3416 4099 4783 5466 6149
37 2089 2785 3481 4177 4873 5570 6266
38 2131 2841 3552 4262 4973 5683 6393
39 2181 2908 3634 4361 5088 5815 6542
40 2241 2988 3735 4482 5229 5976 6722
41 2308 3077 3847 4616 5386 6155 6924
42 2386 3181 3977 4772 5567 6363 7158
43 2474 3299 4124 4949 5774 6599 7423
44 2574 3431 4289 5147 6005 6863 7721
45 2690 3587 4484 5381 6278 7174 8071
46 3551 4734 5918 7101 8285 9468 10652
47 3692 4923 6154 7384 8615 9846 11077
48 3848 5131 6413 7696 8979 10261 11544
49 4014 5352 6691 8029 9367 10705 12043
50 4191 5588 6986 8383 9780 11177 12574
51 4375 5834 7292 8751 10209 11668 13126
52 4574 6098 7623 9147 10672 12196 13721
53 4775 6367 7959 9551 11143 12735 14326
54 4984 6646 8307 9969 11630 13292 14953
55 5200 6934 8667 10401 12134 13867 15601
56 6892 9190 11487 13785 16082 18380 20677
57 7137 9516 11894 14273 16652 19031 21410
58 7409 9879 12349 14818 17288 19758 22228
59 7700 10266 12833 15399 17966 20532 23099
60 8931 11909 14886 17863 20840 23817 26794
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