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SUPER STAR HEALTH POLICY STAR HEALTH NEW
- 1. SUPER STAR POLICY INSURANCEEXPERT 9994910202 & 8300020102
- 2. Adult 18 toany age Dependent Child – 91 days to 25 years Floater Type of Policy 18 Years to any age Individual & Multi Individual ENTRY AGE INSURANCE EXPERT 9994910202 & 8300020102
- 3. POLICY TERM No te: Wh ereth e p olicy is issu ed for mo r eth an 1 year , th e Su m In suredin clud ingsu b-limitsar ewitho utan y car ry o ver benefitth ereo f. Th e said b enefits/ covers available fo r the2n dyear ,3rd year , 4th year or 5th year cann o t b e u tilizedinthe1st year itself 1 YEAR 2 YEAR 3 YEAR 4 YEAR 5 YEAR Note: Where the policy is issued for more than 1 year, the Sum Insured including sub-limits are without any carry over benefit thereof. The said benefits / covers available for the 2nd year, 3rd year, 4th year or 5th year cannot be utilized in the 1st year itself INSURANCE EXPERT 9994910202 & 8300020102
- 4. INSURANCE EXPERT 9994910202 &8300020102 HOW MUCH COVERED FOR HOSPITAL EXPENSE
- 5. SUM INSURED Sum InsuredOptions: Rs.5,00,000/-, Rs.7,50,000, Rs.10,00,000/-, Rs.15,00,000/-, Rs.20,00,000/-, Rs.25,00,000/-, Rs.50,00,000/-, Rs.1,00,00,000/- & Unlimited Sum Insured Note: SI options 1 Crore & Unlimited can be offered only up to 65 years’ age, this condition is applicable at the time of inception of the policy INSURANCE EXPERT 9994910202 & 8300020102
- 6. MID TERM INCLUSION Availablefor Newly Wedded Spouse, Newborn and Legally adopted Child (Intimation mandatory) INSURANCE EXPERT 9994910202 & 8300020102 can be added anytime during a policy year
- 7. WAITING PERIOD Specified Diseases Waiting Period 24Months PED Waiting Period 36 Months Initial Waiting Period 30 Days INSURANCE EXPERT 9994910202 & 8300020102
- 8. Vestibulum congue tempus Lorem ipsum dolor sitamet, consectetur adipiscing elit, sed do eiusmod tempor. Wellness Discount Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor. Vestibulum congue tempus Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor. Early Renewal Discount Vestibulum congue tempus CIBIL Discount Get up to 10% discount (5% + 5%) at inception and renewal by taking lifestyle and habitrelated health questionnaire s Health Questionnaire Discount Buy a policy for yourself/ family and another for parents/ parents-in- law within 1 month to get a 2.5% discount for one parent or 7.5% for two, under floater/ multi- individual plans DISCOUNTS Co-terminus Discount Based on CIBIL Score get discount up to 15%. Available for ages up to 50 years 2.5% discount if renewed 30 days before the premium due date Note: Early renewal discount to be offered only during 2nd & 3rd year renewals (Applicable to both Indian insured & NRI customers) 10% on 2nd year premium; 12.5% on 3rd year premium; 14% on 4th year premium Wellness rewards up to 20% on renewal premium INSURANCE EXPERT 9994910202 & 8300020102 Long Term Discount
- 9. ROOM RENT ANY ROOM INSURANCEEXPERT 9994910202 & 8300020102
- 10. During the policyyear, if proposer who is also an insured is diagnosed (first diagnosis) with any of the critical illness specified under Annexure – I (or) in case of Death of insured due to Accident, Premium will be waived off during renewal for the next one policy year and such premium waiver will be given up to the expiring sum insured and optional covers (if opted) once in a lifetime of the policy. Note: 1. In case of floater policy, if the proposer who is also insured under the policy is diagnosed with the specified critical illness / in case of death of the insured due to Accident, the premium waiver will be available on the floater policy premium. 2. In case of multi-individual policy, if the proposer who is also insured under the policy is diagnosed with the specified critical illness / in case of death of the insured due to Accident, the premium waiver will be available on the multi-individual policy premium. PREMIUM WAVIER INSURANCE EXPERT 9994910202 & 8300020102
- 11. We will coverthe following Medical Expenses incurred in respect of Hospitalization of the Insured Person during the Policy Period, up to the Sum Insured specified in the Policy Schedule against this In-Patient treatment (i) Room Rent (Any Room), Boarding, Nursing Expenses as provided by the Hospital / Nursing Home (ii) Intensive Care Unit (ICU) Charges (iii)Surgeon, Anesthetist, Medical Practitioner, Consultants, Specialist Fees (iv) Anesthesia, blood, oxygen, operation theatre charges, surgical appliances, medicines and drugs, diagnostic materials and X-ray, diagnostic imaging modalities, dialysis, chemotherapy, radiotherapy, cost of pacemaker, stent and similar expenses. IN-PATIENT TREATMENT INSURANCE EXPERT 9994910202 & 8300020102
- 12. We will coverthe Medical Expenses incurred in respect of All Day Care Treatments of the Insured Person during the Policy Period up to the Sum Insured as specified in the Policy Schedule if such Day Care treatment requires hospitalization as an in-patient for less than 24 hours. 1000+ day care treatment available DAY CARE TREATMENT INSURANCE EXPERT 9994910202 & 8300020102
- 13. Medical expenses incurred upto 90 days immediately before the insured person is hospitalized PRE-HOSPITALIZATION EXPENSES INSURANCE EXPERT 9994910202 & 8300020102
- 14. Medical expenses incurred upto 180 days immediately after the insured person is discharged from the hospital INSURANCE EXPERT 9994910202 & 8300020102 POST HOSPITALIZATION EXPENSES
- 15. The following procedureswill be covered (wherever medically indicated) either as in-patient or as part of day care treatment in a hospital up to sum insured (including Pre and Post hospitalization expenses) during the policy period; a) Uterine artery Embolization and HIFU b) Balloon Sinuplasty c) Deep Brain Stimulation d) Oral Chemotherapy e) Immunotherapy- Monoclonal Antibody to be given as injection f) Intra Vitreal injections g) Robotic surgeries h) Stereotactic radio surgeries i) Bronchical Thermoplasty, j) Vaporisation of the prostate (Green laser treatment or holmium laser treatment) k) IONM-(Intra Operative Neuro Monitoring) l) Stem cell therapy: Hematopoietic stem cells for bone marrow transplant for haematological conditions. COVERAGE OF MODERN TREATMENT INSURANCE EXPERT 9994910202 & 8300020102
- 16. Medical expenses forInpatient Hospitalization incurred on treatment under Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy systems of medicines in a AYUSH Hospital is payable up to the sum insured. Note:Claims under Yoga and Naturopathy system of treatment will be payable subject to prior approval from the company. AYUSH TREATMENT
- 17. AIR AMBULANCE Subject toan admissible hospitalization claim, the Insured Person(s) is/are eligible for reimbursement of expenses incurred towards the cost of air ambulance service up to Rs.5,00,000/- in a policy year, if the said service was availed on the advice of the treating Medical Practitioner / Hospital. Expenses towards Air ambulance service is payable for only from the place of first occurrence of the illness / accident to the nearest hospital. Such Air ambulance should have been duly licensed to operate as such by Competent Authorities of the Government/s. ROAD AMBULANCE Subject to an admissible hospitalization claim, road ambulance expenses incurred for the following are payable: - i. for transportation of the insured person by private ambulance service to go to hospital when this is needed for medical reasons or ii. for transportation of the insured person by private ambulance service from one hospital to another hospital for better medical treatment or iii. for transportation of the insured person from the hospital where treatment is taken to their place of residence (if it is in same city) provided the requirement of an ambulance to the residence is certified by the medical practitioner.
- 18. ORGAN DONOR EXPENSES In-patienthospitalization expenses incurred for organ transplantation (including Screening expenses) from the Donor to the Recipient Insured Person are payable provided the claim for transplantation is payable. In addition, the expenses incurred by the Donor for the Post Donation Complications (if any) for the complications that necessitate a Redo Surgery / ICU admission upto 180 days from the date of discharge from the hospital are also covered. Note: The coverage limit under this benefit is upto the sum insured and over and above the sum insured. INSURANCE EXPERT 9994910202 & 8300020102
- 19. Coverage for medicaltreatment (including AYUSH) for a period exceeding three days, for an illness/disease/injury, which in the normal course, would require care and treatment at a Hospital but, on the advice of the attending Medical Practitioner, is taken whilst confined at home under any of the following circumstances 1. The condition of the patient is such that he/she is not in a condition to be removed to a Hospital, or 2. The patient takes treatment at home on account of non-availability of room in a hospital. DOMICILIARY HOSPITALIZATION However, this benefit shall not cover Asthma, Bronchitis, Chronic Nephritis and NepHowever, this benefit shall not cover Asthma, Bronchitis, Chronic Nephritis and Nephritic Syndrome, Diarrhoea and all types of Dysenteries including Gastro- enteritis, Diabetes Mellitus and Insipidus, Epilepsy, Hypertension, Influenza, Cough and Cold, all Psychiatric or Psychosomatic Disorders, Pyrexia of unknown origin for less than 10 days, Tonsillitis and Upper Respiratory Tract infection including Laryngitis and Pharyngitis, Arthritis, Gout and Rheumatism. hritic Syndrome, Diarrhoea and all types of Dysenteries including Gastro-enteritis, However, this benefit shall not cover Asthma, Bronchitis, Chronic Nephritis and Nephritic Syndrome, Diarrhoea and all types of Dysenteries including Gastro-enteritis, Diabetes Mellitus and Insipidus, Epilepsy, Hypertension, Influenza, Cough and Cold, all Psychiatric or Psychosomatic Disorders, Pyrexia of unknown origin for less than 10 days, Tonsillitis and Upper Respiratory Tract infection including Laryngitis and Pharyngitis, Arthritis, Gout and Rheumatism. Diabetes Mellitus and Insipidus, Epilepsy, Hypertension, Influenza, Cough and Cold, all Psychiatric or Psychosomatic Disorders, Pyrexia of unknown origin for less than 10 days, Tonsillitis and Upper Respiratory Tract infection including Laryngitis and Pharyngitis, Arthritis, Gout and Rheumatism.
- 20. . E- DomesticSecond Medical Opinion: The Insured Person can obtain a Second Medical Opinion from a Doctor in the Company’s network of Medical Practitioners practicing in India. All the medical records provided by the Insured Person will be submitted to the Doctor chosen by him/her online and the medical opinion will be made available directly to the Insured by the Doctor. To utilize this benefit, all medical records should be forwarded to the mail-id: e_medicalopinion@starhealth.in or through Post/Courier. Special Conditions: - This should be specifically requested by the Insured Person This opinion is given based only on the medical records submitted without examining the patient The second opinion should be only for medical reasons and not for medico-legal purposes Any liability due to any errors or omission or consequences of any action taken in reliance of the second opinion provided by the Medical Practitioner is outside the scope of this policy Utilizing this facility alone will not amount to making a claim Note: Medical Records / Documents submitted for utilizing this facility will not prejudice the Company’s right to reject a claim in terms of policy The Insured Person can obtain a Second Medical Opinion from a Doctor in the Company’s network of Medical Practitioners practicing in India. All the medical records provided by the Insured Person will be submitted to the Doctor chosen by him/her online and the medical opinion will be made available directly to the Insured by the Doctor. To utilize this benefit, all medical records should be forwarded to the mail-id: e_medicalopinion@starhealth.in or through Post/Courier. Special Conditions: - This should be specifically requested by the
- 22. Cumulative Bonus: Theinsured person will be eligible for cumulative bonus calculated at 50% of sum insured for each claim free year and maximum up to 100% of the sum insured. Special Conditions: a. The Cumulative bonus will be calculated on the expiring Sum Insured b. If the insured opts to reduce the Sum Insured at the subsequent renewal, the limit of indemnity by way of such Cumulative bonus will be considered as per the reduced sum insured c. Cumulative bonus will not be reduced unless the same is utilized in the event of claim d. During renewal, Cumulative bonus will be reduced only to the extent of utilized portion and the unutilized Cumulative bonus will be carried forward to the next policy year. e. This benefit is not applicable to policies with Unlimited Sum insured.
- 23. Automatic Restoration ofSum Insured: The policy provides automatic restoration of sum insured subject to the following condition: Sum Insured will be restored unlimited number of times and maximum up to 100% each time, which can be utilized for a subsequent hospitalization. The restoration will trigger immediately upon partial/ full utilization of the sum insured, which can be utilized for a subsequent hospitalization. On partial utilization of the Sum Insured, it will be restored up to extent of utilization. On full utilization of the Sum Insured, it will be restored to 100%. The Restored Sum Insured can be used for all claims including for modern treatment, but for a subsequent hospitalization. The maximum payable amount for a single claim under restoration benefit shall not be more than the Sum Insured. The unutilized restored sum insured cannot be carried forward to the next policy year. This benefit is not applicable to policies with Unlimited Sum insured.