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.

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.

• Any person aged between 18 years and 65 years, residing in India, can take this insurance.
• Beyond 65 years, It can be renewed for life time.
• Lifelong renewal. This policy is on floater basis.
• Child from 16th day of age can be covered as part of the family.
• The entire sum insured floats among all covered persons.
• Family : Proposer, spouse, dependent children from 16 days up to 25 years (those who are economically dependent on their parents)

Co-Payment:
A co-payment of 20% of each and every claim applicable for fresh as well as renewal policies for insured persons whose age at the time of entry is above 60 years.

Pre-Existing Diseases/Illness:
Coverage available after 48 months of continuous insurance without break with any Indian insurance company.

Pre- Acceptance medical screening:
Persons above 50 years will be required to undergo pre-acceptance medical screening at the Company nominated centers, cost of which 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.

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

• 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.

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.

New Features:

• Two additional Sum Insured Options namely Rs.7.5 lacs and Rs.10 lacs introduced
• Cataract limits revised
• On-line purchases – 5% discount on premium
• Outpatient consultation in network hospitals

Hospitalisation Coverage:
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 upto the limits specified.

Ambulance charges for emergency transportation to hospital as per specified limits.

Post-hospitalisation paid as lump-sum upto the limit specified.

Expenses on Medical Consultations as an Out Patient in a Network Hospital up to the limits specified.

Specific day-care procedures covered.
 

Sub-limits applicable for specified illness.

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.

Co-Payment:
50% of each and every claim relating to pre-existing diseases and 30% of each and every claim for all other claims 

Pre-Existing Diseases / Illness :
Covered after 12 months of continuous coverage. 

Pre- Acceptance medical screening:
There is no pre-acceptance medical screening. 

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.

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

•  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.

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.

• 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 

Co-Payment:

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

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.

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

• No third Party Administrator, direct in-house claim settlement.
• Faster & hassle-free claim settlement.
• Cashless hospitalization wherever possible.
• Network of more than 7800 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.

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.

• Policy can be taken by any person between 5 months and 65 years of age.
• Children can be covered only along with parents.

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.

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.

•  No Third Party Administrator – direct in-house claims settlement.
•  Faster and hassle-free claim settlement.
•  Cashless hospitalization.
•  Network of more than 7800 hospitals across India.
•  Facility for maintaining personal health records in electronic format.

For details contact toll free no 1800 425 2255 / 1800 102 4477

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.

• 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.

Pre-Existing Diseases / Illness:

Are covered after 48 months of continuous Insurance without break with any Indian Insurance Company.

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 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.

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

•  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 details, contact toll-free number 1800 425 2255 / 1800 102 4477.

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.