Health

who can take the insurance ?

• Any person between 5 months and 65 years age at the time of entry can take this insurance.
• This policy is on Floater basis. Family for the purpose of this policy means self,spouse and dependent children.

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, 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 Hospitalization expenses up to 60 days after discharge from the hospital.
• 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 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-ip benefits:

Cost of Health Check-up once after a block of every four claim-free years Automatic Restoration of sum insured (not applicable 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. 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. How much to pay ? Mediclassic insurances policy (individual)       Pease click here 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 Advantages: No Third Party Administrator - direct in - house claims settlement. Faster and hassle-free claim settlement. Cashless hospitalization Network of more than 5400 hospitals across India. Free expert medical consultation over phone 24 x 7 Toll Free Helpline. Free storage facility for storing medical records in electronic form. For details contact toll free no 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.