Aboutthepolicy PersonsdiagnosedwithCancer
TypeofCover IndividualSumInsured
EntryAge 5monthsto65years
Co-payment
SHAHLIP22031V022122
10%ofeachandeveryclaimamountforfreshaswellasrenewalpoliciesforinsuredpersons whoseageatthetimeofentryis61yearsandabove
PolicyTerm 1year
PremiumPayment Quarterly/Half-Yearly/Yearly
PrePolicyMedicalScreening Notrequired
MedicalRecordsforU/W
Previousmedicalrecordsincludingdetailsoftreatmenttobesubmittedalongwithproposal
SumInsuredOptions(RsinLakhs)5/75/10
A)OnpaymentonadditionalpremiumLumpsumof50%of(section:1)suminsured
B)Thislumpsumsuminsuredcannotvary
LumpsumCover(Optionalcover)
C)Payablewheninsuredpersonsuffersarecurrence,metastasis,and/orasecondmalignancy unrelatedtofirstcancer
D)ThisbenefitisadditiontothesuminsuredofIndemnitycoverunderSectionI
E)Claimforlump-sum,thecoverageunderSectionIIceasesandthepolicywillcontinuewith SectionI
F)Waitingperiod:30months
Hospitalization-RoomRent SingleStandardA/CRoom
RoadAmbulance Covered(Actuals)
Pre&PostHospitalization
DayCareProcedures
Prehospitalization30days&Posthospitalization60days(upto2%ofthebasicsum insuredperhospitalization)
Alldaycareproceduresarecovered(Actuals)
MedicalSecondOpinion
ModernTreatments
Rehabilitation&Pain Management
WellnessService
HospiceCare
NoClaimBonus
UptoRs2,500foreveryclaimfreeyear
Availablemailtoemedicalopinion@starhealthinorthroughpost/courier
CovereduptotheSub-limitsmentionedinthepolicyclause
CovereduptotheSub-limits(or)upto10%oftheSumInsuredwhicheverisless,perpolicyyear RehabilitationincludesPolyTrauma,Headinjury,Diseaseofspine,Stroke
(i)DietandNutritionProgram,(ii)WeightManagementProgram,(iii)SpecialistConsultation availablethroughStarTelehealthapp
Payableupto20%ofsuminsuredatnetworkprovidersonindemnitybasis,payableonceinlife timeWaitingPeriod:12Months
5%ofbasicsuminsuredforeachclaimfreeyearsubjecttoamaximumof50%
*TheinformationprovidedinthisdocumentisonlyindicativeFormoredetailsonthetermsandconditions,pleasereadthepolicywordingsbeforeconcludinga sale
Features StarCancerCarePlatinumInsurancePolicy
Cataract SumInsured(Lakhs) PerEye PerPolicyPeriod 5 30,000 40,000 75&10 40,000 60,000 Healthcheckup
WaitingPeriod Initialwaitingperiod 30Days(Exceptforaccidents) Specificdiseases 24Months PED(IncludingCancer) 30Months
Aboutthepolicy
PersonswhohavebeendiagnosedwithaCardiacailment/disorderinthepastandundergonea CardiacSurgicalinterventionorprocedureforthesameNote-Personwithpacemakercanalso applyforthispolicy
TypeofCover IndividualSumInsured
EntryAge
Co-payment
7yearsto70years
NotApplicable
Renewal Lifelong
PolicyTerm 1year/2years/3years
PremiumPayment
Quarterly/Half-Yearly/Yearly/Biennial(oncein2years)/Triennial(oncein3years)
PrePolicyMedicalCheckup NotRequired
MedicalRecordsforU/W
ECHO,ECG(takenwithin6months),Consultationandallmedicalrecordsrelatedtothe intervention/surgery/medicalmanagementshouldbesubmittedatthetimeofproposal
SumInsuredOptions(RsinLakhs)5/75/10/15
Hospitalization-RoomRent
ICU,DrFees,Tests,Medicines
RoadAmbulanceCharges
Pre&PostHospitalization
DayCareProcedures
HeartTransplantationexpenses
CardiacDevices(likePacemaker)
ModernTreatments
Rehabilitation&Pain Management
SinglePrivateACRoom(Actuals)
Covered(Actuals)
Covered(Actuals)
30days&60days(Actuals)
Alldaycareproceduresarecovered(Actuals)(Note:Sub-limitsapplicableonlyforCataract treatment)
Coveredupto200%oftheSumInsured(ExpensesincludingharvestingandtransportationofHeart byAirand/orRoadarecovered)WaitingPeriod:2Years
Coveredupto50%oftheSumInsuredWaitingPeriod:30Days
CovereduptotheSub-limitsmentionedinthepolicyclause
CovereduptotheSub-limits(or)upto10%oftheSumInsuredwhicheverisless
Availablemailat:emedicalopinion@starhealthin WellnessRewardsProgram
E-MedicalOpinion
Insuredcanavailrenewaldiscount,ifsubmittedthefollowingreports ECHO(Echocardiogram)(ii)LipidProfile(iii)HbA1c(HemoglobinA1c)and, ifallthe3testsresultsarenormal10%discountwillbeavailableonrenewalpremium ifany2testsresultsarenormal5%discountwillbeavailableonrenewalpremium
*TheinformationprovidedinthisdocumentisonlyindicativeFormoredetailsonthetermsandconditions,pleasereadthepolicywordingsbeforeconcludingasale
Version20SP Subject StarCardiacCareInsurancePolicy–Platinum SHAHLIP22033V022122 C o v e r a g e F e a t u r e s
WellnessServices Dietconsultation,Counselling(forstressmanagement),Unlimited-TeleConsultation,E-pharmacy SumInsured(RsinLakhs) 5 75 10 15 Cataracttreatment Rs30,000pereye Rs40,000inapolicyyear Rs40,000pereyeandRs60,000inapolicyyear ConventionalCoronaryAngiogram Test Rs20,000 Rs20,000 Rs25,000 Rs25,000 HealthCheck-upbenefit (availableaftereverypolicyyear) Rs2,000 Rs2,000 Rs3,000 Rs4,000 Out-PatientTreatmentExpenses (Includingvaccination)“Covered from-Day1” Rs2,500 Rs3,000 Rs3,500 Rs5,000 NoClaimBonus 10%ofthesuminsuredforeachclaimfreeyearandmaximumupto100%ofthesuminsured AutomaticRestoration(Upto100%)Availableonceinapolicyyear(doesnotcoversameillness/cardiacailments/moderntreatments) WaitingPeriods Cardiacailments 30days Initialwaitingperiod 30daysforallillnesses(exceptforaccidents) Specificdiseases 2years PED(OtherthanCardiac) 4years
Diabetes Safe Insurance Policy
expenses for kidney transplantation where the insured person is the recipient are payable. Donor screening expenses and post donation complications of the donor are not payable
Parameters
SHAHLIP23081V082223 About the policy An innovation policy to diabetic persons that covers diabetic, regular hospitalization & out patient expenses Age at entry 18 years to 65 years Eligibility
is available on floater
(Husband
or
must be a diabetic Renewal Life long Policy Term 1 ,2 & 3 years Policy Type Individual & Floater Plan Options Plan A & Plan B Medical screening Plan A is must Instalment Facility Half-yearly, Yearly, Biennial (Once in 2 years) and Triennial (Once in 3 years) Sum Insured (Rs) 3 Lakhs 4 Lakhs 5 Lakhs 10 Lakhs Coverage under plan options Plan A Plan B Medical Screening mandatory No Medical Screening required Cover from day 1 for diabetic complications Diabetic related complications for Cardiovascular/ Renal/Eye/Foot-ulcer covered from 13th month No sub-limit restrictions for cardiovascular complications Sub-limits for cardiovascular complications Room rent (Rs) (Per day) Single Standard A/C room Road Ambulance Rs 2000 per policy period Pre & Post hospitalization Pre hospitalization: 30 days,
hospitalization:
Daycare procedures All daycare
Kidney Transplantation
Dialysis Expenses coverage Rs 1000 per
Cost of Artificial Limbs On Amputation – upto 10% of Sum Insured – If amputation surgery claim is admitted Sum insured (Rs) 3 Lakhs 4 Lakhs 5 Lakhs 10 Lakhs Sub limit of Cardio vascular Plan A No sub-limit Sub limit of Cardio vascular Plan B 2 Lakhs 2.50 Lakhs 3 Lakhs 4 Lakhs Cataract limits (Rs) Rs 20,000 Limit Per eye Per hospitalization & Rs 30,000 Limit Per Policy Period Rs 30,000 Limit Per eye Per hospitalization & Rs 40,000 Limit Per Policy Period Outpatient (Plan A) Individual 1000 2500 3500 5500 Floater 2000 3500 5500 7500 Outpatient (Plan B) Individual 500 2000 3000 5000 Floater 1500 3000 5000 7000 Outpatient Cost of Fasting and Post Prandial & HbA1C tests once every six months upto Rs 750 per event and upto Rs 1500 per policy period Personal Accidental Cover PA sum insured equal to health sum insured (Provided to one chosen person, husband or wife) Automatic restoration 100% sum insured when basic sum insured is exhausted once, during the policy period Can be used for non-diabetic related hospitalization only Modern treatments Based on the sum insured chosen limits vary Waiting Period Initial waiting period 30 days (Other than Accidents) Specified disease 24 months PED 4 years Diabetic complications Plan A: Day 1 , Plan B: 12 Months * The information provided in this document is only indicative. For more details on the terms and conditions, please read the policy wordings before concluding a sale
2A
basis
and Wife). Any one
both
Post
60 days ( 7% of hospitalization expenses max Rs 5000)
procedures are covered
Donor
sitting upto 24 months from the month of dialysis recommendation
Aboutthepolicy
TypeofCover
EntryAge
PolicyTerm
Continuity
SumInsuredOptions
MultipayInsurancePolicyisastandalonecriticalillnesspolicyprovidinglumpsum ondiagnosisof4groupsofCriticalillness
IndividualSumInsured
18yearsto65years
One/Two/Threeyears
Insuredpersoniseligibleforrenewalifatleastonecategoryisleftwherethere hasbeennoclaimmade
MinimumRs5LakhstoMaximumRs25Lakhs(InmultiplesofRs1Lakh)
EligibleRelationship Self,Spouse,DependentParentsandParentsinlaw
SumInsuredforEarning
Persons
SumInsuredforNonEarning Persons
PrePolicyMedicalScreening
PremiumPaymentOptions
CoveredMajorDiseases
12timesofyearlyincomefor18–35yearsageand10timesofyearlyincome forabove35yearsage.ThemaximumsuminsuredcannotexceedRs25Lakhs
MaximumuptoRs15LakhsNon-earningsuminsuredcannotbemorethanthe suminsuredfortheprimarymember
Forthepersonproposedforinsuranceisabove50yearsofageandforthosewho declareadversemedicalhistoryintheproposalform
Quarterly,Half-yearly.PremiumcanalsobepaidAnnually,Biennial(Oncein2 years)andTriennial(Oncein3years)
GroupNumber1-Cancer;GroupNumber2-HeartRelatedConditions,Group Number3-Brain&NervousSystemrelatedConditions,GroupNumber4MajorOrgan&Otherconditions
A)MaximumOnelump-sum(upto100%oftheSumInsured)canbepaidfrom eachGroupofcoveredMajorDiseasesandtotalpayoutoveralifetimeofthe Insuredcannotexceed400%ofSumInsured
LumpsumCover
B)Waitingperiodof12-monthsshallapplybetweentheoccurrenceofeach condition(i.ebetweenthefirstandsecondconditionorbetweenthesecondand thirdconditionorbetweenthethirdandfourthcondition)
C)MaximumOneClaimonlyispayableinaPolicyYear
D)Insuredpersoniseligibleforrenewalifatleastonecategoryisleftwherethere hasbeennoclaimmade
E)Onlyoneclaimisadmissibleundereachgroup
StarWellnessProgram Wellnessplatformisavailablebothinourmobileapp“StarPower”&Customer Portal(Retail)TheInsuredcanearnrewardpointsandavailpremiumdiscount upto10%ontherenewalpremiumbyenrollingandachievingthewellnessgoals
15days(Insuredpersonshouldhavesurvivedfromthedateofdiagnosisof majordisease)
*TheinformationprovidedinthisdocumentisonlyindicativeFormoredetailsonthetermsandconditions,pleasereadthepolicywordingsbeforeconcludingasale
Features StarCriticalIllnessMultipayInsurancePolicy SHAHLIP22140V012122
WaitingPeriod Initialwaitingperiod 90days Betweentheoccurrenceof eachcondition 12months SurvivalPeriod
UIN:SHAHLIP22231V012122
*TheinformationprovidedinthisdocumentisonlyindicativeFormoredetailsonthetermsandconditions,pleasereadthepolicywordingsbeforeconcluding asale.
Parameters STAROUTPATIENTCAREINSURANCE POLICY
Aboutofthepolicy Coversoutpatientconsultationunderthreedifferentvariants-Silver Plan,GoldPlanandPlatinumPlan ForWhom ForIndividual&Family(Familymeans-Self,Spouseandfinancially dependentchildren) EntryAge ForAdults:18years–50years ForChildren:31stDay-25years Renewal Lifelongrenewal Maximumcovered 6Persons PolicyTerm OneYear MedicalCheckup Notrequired PlanName SilverPlan GoldPlan PlatinumPlan SumInsured(Rs.) 25,000 50,000 75,000 1,00,000 Outpatientconsultation ConsultationexpensesincurredatanyNetworkedFacilityInIndia NonAllopathictreatmentOutpatientmedicalconsultationandtreatmentexpensesincurredunder Ayurveda,YogaandNaturopathy,Unani,SiddhaandHomeopathy systemsofmedicines Diagnostics,Physiotherapy &Pharmacy ExpensesincurredatanyNetworkedFacilityInIndia DentaltreatmentexpensesToanaturaltoothorteetharisingoutofaccidentsincurredatany NetworkedFacilityinIndiaasanOutpatient Ophthalmictreatment expenses ArisingoutofaccidentincurredatanyNetworkedFacilityinIndiaasan Outpatient RenewalDiscount 25%ofthepremiumaftereveryblockoftwocontinuousclaimfreeyears Initialwaitingperiod 30daysforallillnesses(exceptaccident) ForPre-existingdiseasesSilverplan-4Years,Goldplan-2Years,Platinumplan-1Year
Features
Parameters
Aboutthe policy
Ageatentry
FAMILYACCIDENTCAREINSURANCEPOLICY
UniqueIdentificationNo:SHAHLIP21042V012021
Coversallaccident-relatedeventualitiesoftheinsuredand provestobethebestdefenceagainsttheoddslips,twistsand turnsoflife
Adult:18yearsto65years
Dependantchildren:16Daysto25years
MaximumUpto3Children(2A+3C)coveredinasinglepolicy
PolicyTerm1and2years
Suminsured (Rs)
Minimum1Lac;Maximum50Lac SumInsuredinMultiplesofRs50,000
RiskCovered
DeathBenefit100%oftheSumInsured
Permanent Total Disablement (PTD)
Coveragefor
Dependent Children
Within12CalendarmonthsfromthedateofAccident
100%oftheSumInsured
Within12CalendarmonthsfromthedateofAccident
Disabilityisconfirmedandclaimedwithin60daysfromthe occurrenceofdisablement
CompensationfordeathorPTDwillbe25%ofthesuminsured
CoverageWorldwideCoverapplicable
Premium OneYearPolicyRs75PerLac(PerFamily) TwoyearPolicyRs145PerLac(PerFamily)
*TheinformationprovidedinthisdocumentisonlyindicativeFormoredetailsonthetermsandconditions, pleasereadthepolicywordingsbeforeconcludingasale
Version1.0SP
ACCIDENT CARE INDIVIDUAL INSURANCE POLICY
A policy that provides ideal protection to the insured in case of an accident. Accidents are unforeseen and they incur huge losses to individuals and their dependent families. In such times, ACCIDENT CARE INDIVIDUAL INSURANCE POLICY proves to be the best solution to overcome the financial hurdles in the course of recovery.
Adult: 18 years to 70 years and Dependent children: 5 months to 25 years.
Highlights:
• Cover for Accidental Death, Permanent Total, Permanent Partial and Temporary Total Disablement.
• 10% discount on total premium if two or more members of a family is covered.
• Compensation for Permanent Total Disablement is 150% of the sum insured.
• Enhanced weekly compensation up to Rs.15000/- per week (maximum 100 weeks).
• Educational Grant for dependent children
• CB : 5% additional S.I. for every claim free year, maximum 50%
Risk Covered up to 150% of Sum Insured under 3 categories
Table A Table B Table C
Policy term is 1, 2 and 3 years.
Advantages:
Sum insured (Rs) On the basis of the monthly income from gainful employment
Minimum - Rs. 1 Lakh to Maximum Rs. 7 Crore
Optional Benefits (On payment of additional premium) Payable in addition to the sum insured
Life throws unforeseen risks at unexpected times. So it is wise to be prepared with STAR Health.
Travel expenses of one relative Vehicle and/or Residence Modification Purchase of Blood Transportation of Imported medicines No claim bonus of 5% for claim free year
Accidental
Accidental Death
Permanent
Disablement
Permanent Partial Disablement Accidental Death + Permanent Total Disablement + Permanent Partial Disablement + Temporary Total Disablement Medical Expenses Extension Coverage for winter sports Hospital Cash Home Convalescence 25% of the valid claim or 10% of the sum insured up to a limit of Rs.5,00,000/- per policy period. Can be granted for the period the Insured person proposes to participate in such sports. Rs 1000/- for each day Hospitalization happening within 30 days from the date of accident. Rs 500/- for each completed day subject to a maximum of 15 days per occurrence and 60 days per policy period.
Death
+
Total
+
Aboutthepolicy
Covershospitalizationexpensesincurredasaresultofillnessand/oraccidentalinjuries
TypeofCover Individual
EntryAge
Pricing
Co-payment
ForAdults:18years–65years
ForDependentChildren:16daysto25years
Zonebasedpricing-Zone1:Mumbai,Thane,Delhi(IncludingFaridabad,Gurgaon,Ghaziabad andNoida),Ahmedabad,BarodaandSurat
Zone2:RestofIndia(OtherthanthosementionedinZone1)
(i)10%ofeachandeveryclaimamountforfreshaswellasrenewalpolicies
(ii)Applicableforinsuredpersonswhoseageatthetimeofentryis61yearsandabove
Renewal Lifelong
PolicyTerm
PrePolicyMedicalCheckup
Discounts
OneYear,TwoYears&ThreeYears
Requiredforpersonsabove50yearsofage
(iii)5%if2ormorefamilymembersarecovered(Family=Self,Spouse&DependentChildren)
(iv)25%formajororgandonoratthetimeofrenewal&subsequentrenewals
(v)LongTermDiscount:Ifthepolicytermoptedis2years,discountavailableis10%on2ndyear premiumandifpolicytermoptedis3years,discountavailableis1125%on2ndand3rdyear premium
Covered(UptoSumInsured)
Covered(Actuals)–Coveredfortheperiodexceedingthreedays
NonAllopathicTreatment/AYUSH
Upto25%oftheBasicSumInsuredsubjecttoamaximumofRs25000perpolicyyear (YogaandNaturopathysystemsoftreatmentareexcluded)
Psychiatric&Psychosomatic Ifdiagnosedforthefirsttimeandhospitalizedforminimum5consecutivedays(Actuals)
CoverageforNewBornBaby
AutomaticRestoration
SuperRestoration
AdditionalSumInsuredforRTA
NoClaimBonus
InstalmentOptions
Coverstartsfrom16thday-upto10%oftheSumInsuredormaximumuptoRs50,000(availableif themotheriscoveredunderthispolicyforacontinuousperiodof12months)
200%ofsuminsuredonceinayear-Canbeutilizedonlyforillness/diseaseunrelatedtothe illness/diseasesforwhichclaim/swas/weremade
Upto100%ofsuminsuredonceinayear–Canbeutilizedforillness/sforwhichclaim/swas/ weremade
50%ofadditionalsuminsuredafterexhaustionofthelimitofcoverage(Insuredpersonwas wearinghelmetandwaseitherridingortravellingaspillionriderinatwowheeleratthetimeof accident)
25%ofbasicsuminsuredinthesecondyear,additional20%ofthebasicsuminsuredforeach subsequentyearsandMaximum100%overall
PremiumcanbepaidHalfyearlyinstalmentPremiumcanalsobepaidAnnual, Biennial(oncein2years)andTriennial(oncein3years)
Moderntreatments BasedontheSuminsuredchosenlimitsdiffer,referpolicywordingforfurtherdetails
*TheinformationprovidedinthisdocumentisonlyindicativeFormoredetailsonthetermsandconditions,pleasereadthepolicywordingsbefore concludingasale
Version10SP Parameters MediclassicInsurancePolicy(Individual)-GoldPlan SHAHLIP23037V072223
SumInsuredOptions(Rs) 3Lakhs4Lakhs 5Lakhs 10Lakhs15Lakhs20Lakhs 25Lakhs Hospitalization-RoomRent Rs5,000perday PrivateSingleA/CRoom Sharedaccommodationbenefit (admission&dischargedaysexcluded) 500perday&3,000perhospitalisation1,000perday&upto6,000perhospitalisation Payableforevery24hrsofstayinanetworkedhospital(payableifhospitalizationexceeds48hrs) Cataract Limitpereye(Rs) 30,000 40,000 45,000 Perpolicy period(Rs) 40,000 50,000 60,000 HealthCheck-upbenefit (foreveryclaimfreeyear) 1,500 2,500 5,000 OrganDonorCover
Domiciliaryhospitalization
RoadAmbulance
DayCareProcedures
Pre&PostHospitalization
Rs2,000perhospitalization
Alldaycareproceduresarecovered
30days&60days
OptionalCovers HospitalCash Rs1,000,foreachcompletedday,upto7daysperhospitalization&max14daysinapolicyyear PatientCare Rs400,foreachcompletedday,upto5daysperoccurrence&max14daysinapolicyyear WaitingPeriod InitialwaitingperiodCodeExcl03 30daysforallillnesses(exceptaccident) ForSpecificdiseasesExcl02 2years ForPre-existingdiseasesCodeExcl014years
About the policy Provides benefit on Lump Sum basis for the incidental expenses incurred by the insured during hospitalization due to sickness/illness/injury.
For Whom For Individual and Family (Family means - Self, Spouse and economically dependent children)
1000/-, 2000/-, 3000/-
Cash Amount chosen by the insured (per day) payable up to maximum number of Days chosen by the insured. (Deductible: 1 day deductible is applicable only for basic plan) Accident Hospital Cash 150% of the Hospital Cash Amount chosen by the insured (per day) payable up to maximum number of Days chosen by the insured.
200% of the hospital cash amount chosen by the insured (per day)
ICU Hospital Cash
Convalescence Hospital Cash
Child Birth Hospital Cash
Individual Policy: ICU Hospital Cash is payable for maximum of 30 days
Floater Policy: ICU Hospital Cash is payable for maximum of 90 days
1 Day additional hospital cash amount is payable if the hospitalization is beyond 5 consecutive Days
Hospital Cash Amount chosen by the insured (per day) payable up to maximum number of Days chosen by the insured. (Available for female insured persons only)
Waiting Period: 2 years from the first commencement of this policy.
Worldwide Hospital Cash
Hospital Cash Amount chosen by the insured (per day) payable for five times in a policy year
Day Care Procedures
(Applicable for both Basic and Enhanced Plans)
Available for the following Day Care Procedures:
200% of the Hospital Cash Amount chosen by the insured (per day) payable up to maximum number of Days chosen by the insured. Day Care Procedures
(1 ) Fractures (other than hairline fractures) (2) Cataract (3) Dilatation and Curettage
(4) Hemodialysis (5) Parenteral Chemotherapy (6) Radio Therapy (7) Coronary Angiography (8) Lithotripsy (9) Manipulation for Dislocation under General Anesthesia (10) Cystoscopy under General Anesthesia.
The information provided in this document is only indicative. For more details on the terms and conditions, please read the policy wordings before concluding a sale. *Version_1.0_Product Department
Parameters
Unique Identification No: SHAHLIP20046V011920
*
Star Hospital Cash Insurance Policy
Features
Entry Age For
For
Renewal Lifelong Max No. of persons covered under floater policy 5 Persons (Self +Spouse + 3 Dependent Children) Plan Type Basic Plan & Enhanced Plan Policy Term 1 year/ 2 year / 3 year Pre Policy Medical Checkup Not
Hospital Cash Amount (per day) Basic Plan
Enhanced Plan (Rs.) Options:
Options: 3000/-,
Number of Hospital Cash Days Options (per policy year) Basic Plan Enhanced Plan Options:
/
Options: 90 / 120 /
days Applicable for Basic and Enhanced Plan Sickness
Hospital
Adults: 18 years – 65 years
Dependent Children: 91 days - 25 years
required
(Rs.)
4000/-, 5000/-
30
60 / 90 / 120 / 180 days
180
Hospital Cash
Enhanced Plan
Waiting Period Waiting Period Basic Plan Enhanced Plan 30 days
period (other than accidents) 30 days waiting period (other than accidents) 24 months for
illness/disease/treatment 24 months for specified illness/disease/treatment
months
diseases 24 months
pre existing diseases
waiting
specified
36
for pre existing
for
Parameters StarSuperSurplus(Individual)InsurancePolicy UniqueIdentificationNo:SHAHLIP21580V052021 Aboutofthepolicy Thisisatop-uppolicywithindividualsuminsuredhavingSilver&GoldPlanoptions ForWhom ForFamily(Familymeans-Self,Spouseand3financiallydependentchildren) EntryAge
Renewal Lifelongrenewal PolicyTerm OneYearandTwoYears PrePolicyMedicalCheckupNotrequired ModernTreatments CoveragebasedonSumInsured WellnessServices AvailableforGoldplan PlanName SilverPlan GoldPlan SumInsured(Rs.InLakhs) 7L/10L 5L/10L/15L/20L/25L/50L/75L/1Cr Deductible&DefinedLimits (Rs.InLakhs) 3L (Deductible) 3L/5L/10L/15L/20L/25L (Definedlimit) KeyDifferencebetween SilverPlan&GoldPlan Payablewhencoveredmedical
everyhospitalization Payablewhentheaggregateofcoveredmedical expensesexceedthedefinedlimitinapolicy year Coverage SilverPlan GoldPlan B a s i c C o v e r s In-patientHospitalization RoomRent–Upto Rs4,000perday Room-SinglePrivateA/CRoom ICUCharges,DoctorFees, DiagnosticTests,Drugs& Medicines CovereduptoSumInsured CovereduptoSumInsured DayCareProcedures Alldaycareproceduresare covered Alldaycareproceduresarecovered Pre-Hospitalization 30days 60Days Post-Hospitalization 60days 90Days RoadAmbulance Notavailable Rs.3,000Perhospitalization AirAmbulance Notavailable Coveredupto10%ofSumInsured (availableforSIofRs10Lakhandabove) OrganDonorExpenses Notavailable CovereduptoSumInsured A d d i t i o n a l C o v e r s Recharge Notavailable DefinedLimit(inRs.)RechargeLimit(inRs.) 3lakhs 50,000 5lakhs 75,000 10lakhs 1,00,000 15lakhs&above 2,50,000 OptionforMigration Notavailable Availableafter5continuouspolicyyears MedicalSecondOpinion Notavailable Available:-emedicalopinion@starhealthin DeliveryExpenses Notavailable CovereduptoRs50,000perpolicyyear (waitingperiod1year) W a i t i n g Initialwaitingperiod (notapplicableforAccidents) 30days 30days ForSpecificdiseases 24months 12months ForPre-existingdiseases 36months 12months *TheinformationprovidedinthisdocumentisonlyindicativeFormoredetailsonthetermsandconditions,pleasereadthepolicywordingsbeforeconcludingasale
ForAdults:18years–65years ForChildren:91days-25years
expensesexceedthedeductible for
Parameters
Aboutofthepolicy
Eligibility
EnhancesthelimitsofexistingcoversinadditiontoofferingnewfeaturestotheBasePolicy
AddoncovercanonlybeboughtalongwiththeBasePolicyeitheratinceptionorduring RenewaloftheBasePolicy
AvailableforInsuredhavingminimumSumInsuredofRs10LakhsundertheBasepolicy
Age/FamilySize AsperBasePolicy
AddoncoverTerm AspertheBasePolicyterm
BasePolicy
Note
ClaimGuard(Coveragefor Non-MedicalItemsConsumables)
EnhancedLimitforModern Treatments
EnhancedLimitforAyush Treatment
FamilyHealthOptima,StarComprehensiveInsurancePolicy, Medi-ClassicInsurancePolicy(Individual)
InsuredcanoptSectionI(or)SectionII(or)Both IfSectionIintheAdd-oncoverisopted,Insuredcannotopt-outofit
AnyRoom(Exceptforsuiteroom andabovethecategoryofsuite room)
AnyRoom
IfthereisanadmissibleclaimunderIn-patient/DayCareTreatment,underthebasepolicy, thentheexpensesoftheitemsasperListIwillbecomepayable
ThecertainlistofprocedurescoveredundertheBasepolicywithsub-limitsarecoveredup tosuminsuredofthebasepolicy(Forthecompletelistreferpolicywording)
MedicalexpensesforIn-patientHospitalizationincurredontreatmentunder Ayurveda,Unani,SiddhaandHomeopathysystemsofmedicinesinaAYUSH HospitalispayableuptosuminsuredoftheBasePolicy
HomeCareTreatment Payableupto10%ofsuminsuredofthebasepolicy,subjecttomaximumofRs5 lakhinapolicyyear
renewalsunlessthebonusisutilized.
InSection-II,theCompanywillbeliableundertheBasePolicyonlyifadmissibleclaim/sexceedstheaggregate deductiblelimit
*TheinformationprovidedinthisdocumentisonlyindicativeFormoredetailsonthetermsandconditions,pleasereadthepolicywordingsbeforeconcluding asale
StarExtraProtect-AddonCover UIN:SHAHLIA23061V012223
Section-I EnhancedRoomRent SumInsured10to20Lakhs (AsperBasePolicy) Above20Lakhs (AsperBasePolicy)
BonusGuard
basepolicywillnotbereducedat
Section-II Optiontochooseaggregatedeductible SumInsured (RsinLakhs) AggregateDeductibleOption(Rs) DiscountofferedonPremium FHO CHI MCI 10Lakhsto20Lakhs Rs25,000 15% Rs50,000 20% Rs1,00,000 30% Above20Lakhs Rs25,000 12% Rs50,000 18% Rs1,00,000 25%
Cumulativebonusavailableunder
MidtermInclusion
Zonebasedpricing
StarHealthPremierInsurancePolicy
ForAdults:Minimum50years(Primarymember)andMaximumuptoanyage
ForDependentChildren:91daysto25years
NewlyMarried/Weddedspouse:Intimationaboutthemarriageshouldbegivenwithin45daysfromthedateof marriage
Zone1:DelhiincludingFaridabad,Gurgaon,GhaziabadandNoida,MumbaiincludingThane,Ahmedabad,Suratand Baroda Zone2:RestofIndia
Forpersonsabove65yearsthesuminsuredisrestrictedtoRs50Lakhs
1%ofsuminsuredormaximumuptoRs20,000/Pre&PostHospitalization 60days&90days(Actuals)
RoomRent(Perday)
RoadAmbulanceCharges
Covered(Actuals)
(i)fortransportationtohospital(ii)fromonehospitaltootherhospital(iii)fromhospitaltoresidence
Alldaycareproceduresarecovered(Actuals)
Covereduptosuminsured
AdditionalSIuptoBasicSIfortheComplications(ifany)thatnecessitateaRedoSurgery/ICUadmissionThisis utilizedbythedonorandnotbytheinsured
Covereduptosuminsured
Ifthereisanadmissibleclaimthenitemsasperlist1(referpolicywording)willbecomepayable
Treatmenttakenathome(IncludingAYUSH)foraperiodexceedingthreedays,ontheadviceoftheattending MedicalPractitioner
Wellnessplatformisavailablebothinourmobileapp“StarPower”&CustomerPortal(Retail)TheInsuredcan earnrewardpointsandavailpremiumdiscountupto10%ontherenewalpremiumbyenrollingandachievingthe wellnessgoalsFordetailspleasereferthepolicywording/prospectus
Covereduptothesub-limit(or)maximumupto10%whicheverislessperpolicyyearTreatmenttakenatauthorized centres(wwwStar-healthin)
Version10SP Parameters
UIN:SHAHLIP22226V012122 TypeofCover IndividualandFloater EntryAge
Renewal Lifelong Familysize Maximum2A+3C PolicyTerm OneYear,Twoyears&ThreeYears PreMedicalScreening NotRequired SumInsuredOptions(RsinLakhs) 10 20 30 50 75 100
AirAmbulance
Rs250LakhsperhospitalisationandmaximumRs5lakhsperpolicyyear DayCareProcedures
Cataract SumInsured(Lakhs) LimitPerEye(Rs) LimitPerPolicyYear(Rs) 10/20/30 50,000 80,000 50&above 60,000 1Lakh
OrganDonorExpenses
AYUSH
CoverageforNon-Medicalitems
DomiciliaryHospitalization
StarWellnessProgram AvailableforInsuredaged=>18years
SumInsuredOptions(RsinLakhs) 10 20 30 50 75 100 BariatricSurgery(RsinLakhs) (WaitingPeriod2years) 250 250 5 5 5 5 CumulativeBonus(RsInLakhs) 20%ofsuminsuredforeachclaimfreeyearsubjecttoamaximumof100%suminsured AutomaticRestoration (Upto100%oftheBasicSI) (Availableimmediatelyuponpartial/full utilizationofthelimitofcoverage) 10 20 30 50 75 100 RehabilitationandPainManagement
ModernTreatments Upto50%ofsuminsured SumInsuredRs(Lakhs) 10 20 30 50 75 100 HealthCheckup (Payableon renewalafterevery claimfreeyear) Individual(Rs) 3000 4000 4500 5000 7000 Floater(Rs) 4000 6000 6500 7500 10000 Outpatient (Day1covered) Individual(Rs) 3000 4000 4500 5000 7000 Floater(Rs) 4000 6000 6500 7500 10000
HospiceCare
HomecareTreatment
Co-payment
StarHealthPremierInsurancePolicy
UIN:SHAHLIP22226V012122
10%ofthesuminsuredsubjecttoamaximumofRs5lakhs,ifavailedatourNetworkedfacilitymentionedinour websitewwwstarhealthin,payableonceinlifetimeforeachInsuredperson
10%oftheforthesuminsuredsubjecttomaximumofRs5Lakhsinapolicyyear FortreatmentavailedbytheInsuredPersonathome,onlyforthespecifiedconditions
Fordetailspleasereferpolicycondition
20%applicabletoclaimamountadmissiblepayablewhoseageatthetimeofentryisabove65years
InstalmentOptions Quarterly,Half-yearly
Long-termdiscount
Twoyearpolicy:10%discounton2ndyearpremiumThreeyearpolicy:1125%on2ndand3rdyearpremium
ForAdultsaged50yearsandabove,ifspouseisagedlessthan50years,afamilyfloatercovercanbeofferedby consideringthepremiumofage50yearsdiscountedby10%forthespouse
Floaterdiscount
Discountinpremiumforsubmitting healthcheckups
AFloaterdiscountof40%isavailableonthepremiumfortheyoungermemberwhen2adultsarecoveredunder thesamepolicyonFloatersuminsuredbasis
10%discountapplicable,Iftheprospectsubmitsdocumentsatthetimeofinception,thisdiscountwillbegivenfor allsubsequentrenewalsalsoandifthepolicyisrenewedcontinuouslywithoutbreak
StressECHOReport/TMT(doneunderguidance),BPReport(3readings),FastingBloodSugar(FBS)and HbA1C,Bloodurea&creatinine,CompleteUrineExamination(CUE)Testshouldhavetaken45dayspriorto thedateofproposal
*TheinformationprovidedinthisdocumentisonlyindicativeFormoredetailsonthetermsandconditions,pleasereadthepolicywordingsbeforeconcludingasale
WaitingPeriod Initialwaitingperiod 30daysforallillnesses(exceptaccident) ForSpecificdiseases 2years ForPre-existingdiseases 2years BariatricSurgery 2years HospiceCare 2years
About the policy
The product provides for regular hospitalization benefits on floater basis
Adults:18 years – 65 years (Dependent Parents & Dependent Parents-in-law can also be added)
Dependent Children: 16 days to 25 years
Family Self, Spouse/Live in partner/ Same sex partner/ Dependent children not exceeding three in number, Dependent Parents and Dependent Parents-in-law
Co-payment
Long Term Discount
Upfront Discount
No Claim Discount
Wellness Discount (Available for Insured aged=> 18 years)
20% of each and every claim amount for fresh as well as renewal policies for insured persons whose age at the time of entry is 61 years and above
If the policy term opted is 2 years, discount available is at 10% on 2 nd year premium
5% on the premium, if the additional questions related to lifestyle and habits are answered by the insured at the time of first purchase of this policy and if purchased online. Applicable for adult members answered the questions
Discount of 5% is offered to the customers who have not made any claim for the preceding three consecutive policy years. This is allowed one time, applicable for those renewals falling in the immediate 12 months after the launch of the revised product
Wellness platform is available both in our mobile app “Star Power” & Customer Portal (Retail) The Insured can earn reward points and avail premium discount up to 20% on the renewal premium by enrolling and achieving the wellness goals. For details, please refer the policy wording / prospectus
Quarterly / Half-yearly (If Instalment facility is opted for 2 year term policies, the full premium applicable for 2 year terms should be paid in quarterly or half yearly within the expiry of the first year)
Pre Policy Medical screening All persons above 50 years of age and those who declare adverse medical history in the proposal form are required to undergo pre-acceptance medical screening at the company designated centers
based pricing (Refer policy wording for more details)
(With max limit of Rs. 5000) per policy year.
providers, visit: www.starhealth.in)
Insured Maximum of Rs 5 Lakhs (Additional sum insured shall be available after exhaustion of the limit of coverage)
opinion will be made available directly to the insured; e_medicalopinion@starhealth.in
Family Health Optima Insurance Plan UIN: SHAHLIP23164V072223 Primary Cover&AdditionalBenefits
Type
Entry
of Cover Floater Sum Insured
Age
Renewal Lifelong Policy Term One Year
Two
Facility
/
year Instalment
Sum Insured Options (Rs. in Lakhs) 3 4 5 10 15 20 25 Pricing Zone
Hospitalization - Room Rent (Per Day) 3 Lakhs
Lakhs
Standard A/C Room Treatment in Valuable Service Providers 1%
Insured
Applicable for Rs 3 Lakhs & above sum insured (For
of
Shared Accommodation (Per Day) Rs 3 Lakhs to 15 Lakhs - Rs. 800; Rs 20 Lakhs & 25 Lakhs - Rs. 1000 - Applicable for Rs 3 Lakhs & above Sum Insured Emergency Road Ambulance Rs 750 per hospitalization; Rs 1500 per policy period Air Ambulance 10 % of Sum Insured, Available for Rs 5 Lakhs and above Sum Insured Relevant Pre & Post Hospitalization 60 Days & 90 Days Organ Donor Expenses 10 % of Sum insured or Rs
Lakhs
provided Insured person is the recipient. Donor screening expenses and post-donation complications of the donor are not payable. Day Care Procedures All day care procedures are covered (Actuals) Cataract Sum Insured Rs 3 Lakhs Rs 4 Lakhs Rs 5 Lakhs Rs 10 Lakhs & Above Limit Per Eye (Rs) Rs 25,000 Rs 30,000 Rs 40,000 Rs 50,000 Limit Per Policy Period (Rs) Rs 35,000 Rs 45,000 Rs 60,000 Rs 75,000 Domiciliary hospitalization Covered (Actuals) - Covered for the period exceeding three days AYUSH treatment Up to Rs 4 Lakhs Sum Insured - Rs. 10,000; Rs 5 Lakhs to 15 Lakhs Sum Insured - Rs 15,000; Rs 20 Lakhs & Rs 25 Lakhs Sum Insured - Rs. 20,000 New Born Baby cover 10 % of Sum Insured (Maximum Rs. 50,000) provided Mother is covered under the policy for at least 1 year & Coverage starts from 16 th day after its birth till policy expiry (Subject to limit and Sum Insured availability) Coverage for Congenital Internal disease/ defects for New born from Day 1 without any sublimit is provided. Emergency Domestic Medical Evacuation (Limit per hospitalization) Up to Rs 4 Lakhs sum insured: Rs 5,000; Rs 5 Lakhs sum insured to Rs 15 Lakhs sum insured: Rs 7500; Rs 20 Lakhs & Rs 25 Lakhs sum insured: Rs 10,000 Assisted Reproduction Treatment Rs 5 Lakhs sum insured - Rs. 1,00,000; Rs 10 Lakhs to 25 Lakhs sum insured - Rs. 2,00,000. Waiting period of 36 months from policy inception. Available on every block of 3 years and payable on renewal No Claim Bonus (Every Claim Free Year) 25% of the expiring Sum Insured in the second year. Additional 10% of the expiring sum Insured for the subsequent years. Maximum Accumulation 100% Recharge Rs 3 Lakhs - 75,000; Rs 4 Lakhs - 1 Lakhs; Rs 5 Lakhs & above - Rs 1.5 Lakhs Automatic Restoration Available 3 times at 100% each time, during the policy period. Available immediately upon exhaustion of the limit of coverage Road Traffic Accident 25% of Sum
Health Check up For every claim free year 3 Lakhs 750 4 Lakhs 1000 5 Lakhs 1500 10 Lakhs 2000 15 Lakhs 2500 20 Lakhs 3000 25 Lakhs 3500 Free
Medical
Compassionate
Modern treatments Based on the Sum insured chosen limits differ, refer policy wording for further details Repatriation of Mortal Remains Up to Rs 5000 reimbursed for repatriation of mortal remains to the residence (Per Policy Period) Waiting Period Initial waiting period 30 days for all illnesses (Except accident) For Specific diseases 2 years For Pre-existing diseases 4 years * The information provided in this document is only indicative. For more details on the terms and conditions, please read the policy wordings before concluding a sale.
& 4
- Rs.5000; 5 Lakhs & above Sum Insured- Single
of Sum
the list
1
whichever is less payable
Second
Opinion Medical
Travel Air Travel expenses of one immediate family member reimbursed up to Rs. 5000, Available for Rs 10 Lakhs sum insured & above only.
Aboutthepolicy
TypeofCover
EntryAge
MidtermInclusion
SpecialBenefits
StarWomenCareInsurancePolicy
UIN:SHAHLIP22217V012122
Exclusivehealthproductdesignedtomeettheneedsoftoday'swomenandherfamily,bythewayofprovidingcover forregularhospitalizationandcomprehensivematernity-relatedbenefitsThisproductcomeswithahostof specialfeaturessuchasnopre-acceptancemedicalscreening,entryduringpregnancyandinstalmentoptionin premiumpayment
Individual(AvailableonlyforFemales)andFloater
Infloaterat-leastonefemale(adult)shouldbethereinthefamilyalongwiththespouseanddependent children)
ForAdults:18years–75years
ForDependentChildren:91daysto25years
AvailableforincludingNewlyMarried/Weddedspouseand/orlegallyadoptedchildmarriedspouseonpaying additionalpremium(Intimationwithin45daysfromthedateofmarriageordateofadoption)
Newbornbaby:Intimationaboutthenewbornbabyshouldbegivenwithin90daysfromthedateofbirth
DaughtercancontinueasadependentchildifUnmarriedand/orUn-employedbeyond25yearsandmaxup to30years,andbeyond30yearsshewillbetreatedasanAdult
Pregnantwomencanalsobuythispolicybysubmittingthescanreportstakenatstarhealthspecifiedscan centresduringtheir12thand20thweekoftheirpregnancyperiod
ForFemales,thecontinuitybenefitsaccruedunderthispolicybeforemarriagewillalsobeconsideredfor claimsundertheMaternitySection
RoadAmbulanceCharges
AirAmbulance
Wheretheinsuredpersonisachildagelessthan12years,theCompanywillprovideexpensesupto SinglePrivateA/croomforstayofthemotherinthehospitalprovidedInsuredchildisundertreatmentin ICU
Iftheroomisnotavailableinthesamehospital,thecompanywillreimburseRs2500/-perdaysubjectto maximumof7daysperhospitalizationtowardsstayofmotherinthehotelroom,ifthehotelroomiswithin2 kmsfromthehospital
Covered(Actuals)
(i)fortransportationtohospital(ii)fromonehospitaltootherhospital(iii)fromhospitaltoresidence
CoveredforsuminsuredofRs10Lakhs&aboveonlyUpto10%ofthesuminsuredperyearispayable Pre&PostHospitalization 60days&90days(Actuals)
OrganDonorExpenses
DayCareProcedures
Covered(Actuals)
AdditionalSIuptoBasicSIfortheComplications(ifany)thatnecessitateaRedoSurgery/ICUadmissionThisis utilizedbythedonorandnotbytheinsured
Alldaycareproceduresarecovered(Actuals)
Ifthereisanadmissibleclaimthenitemsasperlist1(referpolicywording)willbecomepayable AyushTreatment (ForAyurveda,Unani,Sidha&Homepathy)
CoverageforNon-Medicalitems
Covered(Actuals)
Wellnessplatformisavailablebothinourmobileapp“StarPower”&CustomerPortal(Retail)TheInsuredcan earnrewardpointsandavailpremiumdiscountupto10%ontherenewalpremiumbyenrollingandachievingthe wellnessgoalsFordetailspleasereferthepolicywording/prospectus
Covereduptothesub-limit(or)maximumupto10%whicheverislessperpolicy yearTreatmenttakenatauthorizedcentres(wwwStarhealthin)
Version10SP Parameters
Renewal Lifelong PolicyTerm OneYear,Twoyears&ThreeYears PrePolicyMedicalCheckup NotRequired SumInsuredOptions(RsinLakhs) 5 10 15 20 25 50 100 RoomRent(Perday) 1%ofSI AnyRoom (Exceptsuiteorabovecategory) Anyroom StarMothercover
StarWellnessProgram
AvailableforInsuredaged=>18years
SharedAccommodation
SumInsuredOptions(RsinLakhs) 5 10 15 20 25 50 100 BariatricSurgery(RsinLakhs) (WaitingPeriod2years) 250 250 250 5 5 5 5 NCB(Rs.InLakhs) 20%oftheexpiringSumInsuredfromthesecondyearonwardsUpto100%oftheBasicSI AutomaticRestoration (Upto100%oftheBasicSI) (Availableimmediatelyuponpartial/full utilizationofthelimitofcoverage) 5 10 15 20 25 50 100 RehabilitationandPainManagement
Rs2000/-perdayMaximumof7days(perhospitalization)
ModernTreatments Upto50%ofsuminsured Upto40%ofsuminsured Upto30%of suminsured AssistedReproductionTreatment (RsinLakhs) (WaitingPeriod3years) 050 1 150 2 250 3 Ante-NatalCare(PregnancyCare) Perpolicyyear Afterconfirmationofpregnancy, incurredasanout-patient(For suminsured5Lakhsand10Lakhs WaitingPeriod2years ForsuminsuredRs15Lakhsandabove WaitingPeriod1year 2500 5000
In-UteroFetalSurgery/Repair (Forsuminsured5Lakhsand10 LakhsWaitingPeriod2years
ForsuminsuredRs15Lakhsand aboveWaitingPeriod1year)
TypesofIn-UteroFetalSurgery/RepairCovered(Actuals)
OpenFetalSurgery
FetendoFetalSurgery
FetalImage-GuidedSurgery(FIGS-IT)
EXITProcedure
VoluntarySterilizationExpensesWaiting period:2years Covered(Actuals)
(Tubectomy/Vasectomy)providedtheinsuredpersonismarriedpersonandhis/herageis22yearsand above
MiscarriageduetoAccident (Onceinlifetime)
(Forsuminsured5Lakhsand10 LakhsWaitingPeriod2years ForsuminsuredRs15Lakhsand aboveWaitingPeriod1year)
DeliveryExpenses (IncludingCSec) (Forsuminsured5Lakhsand10 LakhsWaitingPeriod2years ForsuminsuredRs15Lakhsandabove WaitingPeriod1year)
Maximumof25%ofthesuminsured(includingmedicalandsurgicaltreatmentexpenses,neonataland Postnatalsurgery/repair)
In-patienthospitalizationexpenses(IncludingCongenitalInternalandExternaldefects/anomalies)are coveredfromday1
Subsequentyear (Onpaymentof applicable premium)
Vaccination
Metabolic Screening
Pediatrician Consultation
PreventiveHealthCheckup(Inclusiveof costsofvaccination)
InstalmentOptions
Coveredupto100%ofthesuminsured
In-patienthospitalizationexpenses(IncludingCongenitalInternalandExternaldefects/anomalies)
Payableupto12monthsfromthebirthofthenewborn
ForRs5&10Lakhssuminsured:RS2,500;ForRs15Lakhs&above:Rs3,500
PayableonceforeachnewbornsubjecttoalimitofRs3,500
Coveredupto4consultationsperyear
Payableupto12yearofage
LimitperconsultationisuptoRs500
Basedonageoftheinsuredpersonlimitsdifferperpolicyyear
Quarterly/Half-Yearly/YearlyPremiumcanalsobepaidAnnual,Biennial(Oncein2 years)andTriennial(Oncein3years)
OptionalCover
Iftheinsuredpersonshallcontractcancerasafirstincidence,lumpsumispayable
Suminsuredof5/10/15/20and25Lakhs
Lumpsumcoverforcancer
Individualsuminsuredbasisonly
Availableonlyforfemaleinsuredpersonswhoisagedbetween91daysto65years
Waitingperiod:180days
WaitingPeriod
Initialwaitingperiod
ForSpecificdiseases
30daysforallillnesses(exceptaccident)
Deliveryexpenses
MiscarriageduetoAccident
Rs5lakhsandRs10lakhssuminsured:2years,Rs15lakhsandabovesuminsured:1year
Rs5lakhsandRs10lakhssuminsured:2years,Rs15lakhsandabovesuminsured:1year
Rs5lakhsandRs10lakhssuminsured:2years,Rs15lakhsandabovesuminsured:1year
*TheinformationprovidedinthisdocumentisonlyindicativeFormoredetailsonthetermsandconditions,pleasereadthepolicywordingsbeforeconcludingasale
StarWomenCareInsurancePolicy UIN:SHAHLIP22217V012122 SumInsuredOptions(RsinLakhs) 5 10 15 20 25 50 100
Rs25,000/- Rs35,000/- Rs40,000/-
Rs25,000/- Rs50,000/- Rs75,000/-
Rs1Lakh/Treatmentfor Newbornbaby Hospitalization expenses
expenses
Outpatient(Availableonlyforfemale insuredperson)Limitperpolicyyear Rs2500/- Rs3500/- Rs5000/-
2years
2years BariatricSurgery 2years
3years VoluntarySterilization 2years
ForPre-existingdiseases
AssistedReproductionTreatment
Antenatalcare Rs5lakhsandRs10lakhssuminsured:2years,Rs15lakhsandabovesuminsured:1year InUteroFetalsurgery/Repair
Aboutthepolicy
UIN:SHAHLIP23131V022223
Covershospitalizationexpensesincurredasaresultofillnessand/oraccidentalinjuries
TypeofCover IndividualandFloater
EntryAge
Individual:Min18YearstoMax75Years,DependentChildren:Min91DaystoMax17Years
Floater:Min18YearstoMax75Years,DependentChildren:Min16DaystoMax17Years
Note:Incaseofdependentchildren,atthetimeofrenewalwhentheybecome18yearsofage,such childrenwillbeconsideredasAdultandhe/shecancontinueunderfloatersuminsuredtillhe/shegets married
MaximumFamilySize
Maximumfamilysizeis2A+3C+4PSelf,Spouse,Dependentchildren,ParentsandParentsinlaw (or)
6Adults+3Children(6Adults=Self+Spouse+Parents+Parents-in-law)
IfDependentparentsandparentsin-lawsalonewantstocoverunderthispolicyseparately,thesameis possibleunder2Afamilyscheme
MidtermInclusion
Zonebasedpricing
AvailableforNewlyWeddedspouse,NewbornbabyandLegallyadoptedchildIntimationshouldbegiven within45daysfromthedateofmarriageordateofbirth
ZoneA:DelhiincludingFaridabad,Gurgaon,GhaziabadandNoida,MumbaiincludingThane,Ahmedabad, SuratandVadodara
ZoneB:PuneincludingNashik,Trivandrum,Ernakulam,Chennai,Bengaluru,Hyderabad, SecunderabadandRestofGujarat
ZoneC:RestofIndia
Co-payment
10%ofeachandeveryclaimamountforfreshaswellasrenewalpoliciesforinsuredpersonwhoseageat thetimeofentryis61yearsanabove
Renewal Lifelong
PolicyTerm
LongTermDiscount
FloaterDiscount
OneYear,Twoyears&ThreeYears
Twoyearpolicy:10%discounton2ndyearpremium
Threeyearpolicy:10%discountisavailableon2ndand3rdyearpremium
ForChild:40%discountisavailablefrom1Apremiumwhenhe/shebecomes18yearsatthetimeof renewalinfloaterpolicy
ForParent/Parentinlaw-10%discountisavailablefrom1Apremiumforeachparentwhentheycome underfloaterpolicy
PreMedicalScreening
Forthosewhodeclareadversemedicalhistory,companymaysubjectthemtoundergopre-policymedical check-up100%costofsuchmedicalexaminationisbornebythecompany
Note:Forchildrenwhoseageislessthan12years,Paediatricianletter,Vaccinationreport orHealthReportshouldbesubmittedandtheproposalwillberoutedtoourCMUTeamfor medicalopinion
Note:Rs75Lakhs,Rs100LakhsandRs200Lakhssuminsuredwillbeavailableforpersonsagedupto 65yearsonlyThisisapplicableonlyatthetimeofinceptionofthispolicy
Ifthereisanadmissibleclaimunderinpatient/daycarethepolicy,thenItemsasperListIwillbecome payable EmergencyRoadAmbulance Covereduptosuminsured
(i)fortransportationtohospital(ii)fromonehospitaltootherhospital(iii)fromhospitaltoresidence
Pre&PostHospitalization 60days&180daysCovereduptosuminsured
OrganDonorExpenses
DayCareTreatments
Domiciliaryhospitalization
HomeCareTreatment
AirAmbulance
StarWellnessProgram AvailableforInsuredaged=>18yrs
CovereduptosuminsuredAdditionalSIuptoBasicSIfortheComplications(ifany)thatnecessitateaRedo Surgery/ICUadmission
Alldaycaretreatmentsarecovereduptosuminsured
CovereduptosuminsuredTreatmenttakenathomefortheperiodexceedingthreedays
Payableupto10%ofthesuminsuredsubjecttomaximumofRs5Lakhsinapolicyyear
Coveredupto10%ofsuminsuredperpolicyyear
Wellnessplatformisavailablebothinourmobileapp“StarPower”&CustomerPortal(Retail)The Insuredcanearnrewardpointsandavailpremiumdiscountupto20%ontherenewalpremiumby enrollingandachievingthewellnessgoalsFordetailspleasereferthepolicywording/prospectus
Version10SP Parameters StarHealthAssureInsurancePolicy
SumInsuredOptions(RsinLakhs) 5 10 15 20 25 50 75 100 200
RoomRent
1%ofSIAnyRoom(Exceptsuiteorabovecategory) AnyRoom
CoverageforNonMedicalItems (Consumables)
TreatmentinValuable ServiceProvidersNetwork
SharedAccommodation
SecondMedicalOpinion
CompanywillreimbursethetransportationexpensesbyairincurreduptoRs10,000/-foroneimmediate familymember(otherthanthetravelcompanion)
CompanyshallreimburseuptoRs15,000/-inapolicyyear
Payabletowardsthecostofrepatriationofmortalremainsoftheinsuredperson(includingthecostof embalmingandcoffincharges)totheresidenceoftheInsuredasrecordedinthepolicy
1%ofSumInsuredsubjecttoamaximumofRs5,000/-perpolicyperiodispayableaslumpsum
Payableforin-patienthospitalization,thenamountofRs1,000/-perdaywillbepayableforeach continuousandcompletedperiodof24hoursofstayinsuchsharedaccommodation
CanobtainaSecondMedicalOpinionfromaDoctorintheCompany’snetworkofMedicalPractitioners Allmedicalrecordsshouldbeforwardedtothemail-idemedicalopinion@starhealthinorthrough Post/Courier
SumInsuredwillberestoredunlimitednumberoftimesandmaximumupto100%eachtime,which canbeutilizedforasubsequenthospitalization
Restorationwilltriggerimmediatelyuponpartial/fullutilizationofthesuminsured,whichcanbeutilized forasubsequenthospitalization
AutomaticRestoration
OnpartialutilizationoftheSumInsured,itwillberestoreduptoextentofutilization
OnfullutilizationoftheSumInsured,itwillberestoredto100%
Usedforallclaimsincludingformoderntreatment,butforasubsequenthospitalization
Maximumpayableamountforasingleclaimunderrestorationbenefitshallnotmorethanthesuminsured
Moderntreatments
RehabilitationandPain Management
Covereduptosuminsured
Covereduptothesub-limit(or)maximumupto20%ofthesuminsuredwhicheverisless,perpolicyyear
StarHealthAssureInsurancePolicy UIN:SHAHLIP23131V022223 SumInsuredOptions(RsinLakhs) 5 10 15 20 25 50 75 100 200 HealthCheckup Assure Eachpolicyyear (Irrespectiveof claim) Individual(Rs)1500 20004000 5000 5000 5000 8000 8000 8000 Floater(Rs) 2500 5000 80001000010000100001500015000 15000 CumulativeBonus 25%ofsuminsuredforeachclaimfreeandmaximumupto100%ofthesuminsured AyushTreatment (ForAyurveda,Unani,Sidha& Homepathy) Covereduptosuminsured AssistedReproductionTreatment (LimitofLiabilityinapolicyyear) 1Lakh2Lakhs2Lakhs2Lakhs2Lakhs4Lakhs4Lakhs4Lakhs4Lakhs DeliveryExpenses(PerPolicyYear)Coveredup-to10%oftheSumInsured
InUteroFetalsurgery/InterventionCovereduptosuminsured,Waitingperiod:2yearsfromthedateofinceptionofthispolicy SumInsured Options(Rsin Lakhs) 5 10 15 20 25 50 75 100 200 HospitalizationExpensesfor TreatmentofNewBornCover 2Lakhs2Lakhs2Lakhs2Lakhs2Lakhs4Lakhs4Lakhs4Lakhs4Lakhs TreatmentforChronicSevere RefractoryAsthma
CompassionateTravel
Repatriationofmortalremains
Bothselfandspousearecoveredunderthispolicyforacontinuousperiodof2yearsunderIndividualor floatersuminsured
Payableupto10%ofsuminsurednotexceedingRs5Lakhsperpolicyperiod
OptionalCover OptionalCovertochoose deductible Thisdeductibleisapplicablefor everypolicyyear(onAggregate basis) SumInsured AggregateDeductibleOption DiscountOffered UptoRs20Lakhs Rs50,000 45% Rs1Lakh 55% AboveRs20Lakhs Rs50,000 35% Rs1,00,000 50% WaitingPeriod Initialwaitingperiod 30daysforallillnesses(exceptaccident) ForSpecificdiseases 2years ForPre-existingdiseases Applicablefor3yearpolicyterm:25years Applicablefor1yearand2yearpolicyterm:3years DeliveryExpensesCover 2years InUteroFetalSurgery/ Intervention 2years AssistedReproduction Treatment 2years NewBornBabyCover 1year *TheinformationprovidedinthisdocumentisonlyindicativeFormoredetailsonthetermsandconditions,pleasereadthepolicywordingsbeforeconcludingasale
(Intimationaboutthemarriage/newbornshouldbegivenwithin60daysfromthedateofmarriage/newborn)
10%Co-paymentisapplicableiftheInsuredageatentry61yearsandabove
AdditionalSIuptoBasicSIfortheComplications(ifany)thatnecessitateaRedoSurgery/ICUadmission DayCareProcedures Alldaycareproceduresarecovered(Actuals)
Domiciliaryhospitalization
Covered(Actuals)
Coveredfortheperiodexceedingthreedays
CoveredUptoRs2,50,000perhospitalizationandmaximumuptoRs5,00,000perpolicyyear StarWellnessProgram AvailableforInsuredaged=>18yrs
Wellnessplatformisavailablebothinourmobileapp“StarPower”&CustomerPortal(Retail) TheInsuredcanearnrewardpointsandavailpremiumdiscountupto10%ontherenewalpremiumby enrollingandachievingthewellnessgoalsFordetailspleasereferthepolicywording/prospectus
InstalmentsOptions
BuybackofPEDwaitingperiod
Quarterly/Half-Yearly/YearlyPremiumcanalsobepaidAnnually,Biennial (Oncein2years)andTriennial(Oncein3years)
OptionalCover
WillreducethePED/swaitingperiodto12monthsfrom36months
ThisOptionisavailableonlyforthefirstpurchaseofthisStarComprehensiveInsurancePolicy Incaseoffloaterpolicy,thisreductionisapplicableonlyforthepersonswhooptedforthisfacility ThisOptionisnotavailableforrenewal/migrated/portedpolicies
*TheinformationprovidedinthisdocumentisonlyindicativeFormoredetailsonthetermsandconditions,pleasereadthepolicywordingsbeforeconcludingasale
Version10SP Parameters
Aboutthepolicy Covershospitalizationexpensesincurredasaresultofillnessand/oraccidentalinjuries TypeofCover IndividualandFloater(FamilySize-2Adults+3DependentChildren) EntryAge ForAdults:
Co-payment
Renewal Lifelong PolicyTerm OneYear,Twoyears&ThreeYears PrePolicyMedicalCheckup NotRequired SumInsuredOptions(RsinLakhs) 5 75 10 15 20 25 50 75 100 Hospitalization-RoomRent PrivateSingleACRoom(Actuals) ICU,DrFees,Tests,MedicinesCovered(Actuals) RoadAmbulanceCharges Covered(Actuals)
Pre&PostHospitalization 60days&90days(Actuals) OrganDonorExpenses
StarComprehensiveInsurancePolicy SHAHLIP22028V072122
18years–65years ForDependentChildren:91daysto25years MidtermInclusion AvailableforincludingNewlymarriedspouseandNewBornonpayingadditionalpremium
(i)fortransportationtohospital(ii)fromonehospitaltootherhospital(iii)fromhospitaltoresidence
Covered(Actuals)
AirAmbulance
SumInsuredOptions(RsinLakhs) 5 75 10 15 20 25 50 75 100 AccidentalDeath&PTD 5 75 10 15 20 25 50 75 100 ForDependentChild&Personsagedabove70years,thiscoverisavailableupto10Lakhsonly BariatricSurgery (WaitingPeriod36months) 2,50,0002,50,0002,50,0002,50,0005,00,0005,00,0005,00,0005,00,0005,00,000 AyushTreatment (ForAyurveda,Unani,Sidha&Homepathy) 15,00015,00015,00015,00020,00020,00030,00030,00030,000 DeliveryExp, (WaitingPeriod 24months)& NewBorn Cover Normal 15,00025,00030,00030,00030,00030,00050,00050,00050,000 Caesarean 20,00040,00050,00050,00050,00050,0001,00,0001,00,0001,00,000 NewBornCover1,00,0001,00,0001,00,0001,00,0001,00,0001,00,0002,00,0002,00,0002,00,000 NewBorn Vaccination 5,000 5,000 5,000 5,000 5,000 5,000 10,00010,00010,000 OPDental/Ophthalmictreatment (aftereveryblockof3policyyrs) 5,000 5,000 10,00010,00010,00010,00015,00015,00015,000 HealthCheck-upbenefit(Rs) (foreveryclaimfreeyear) 2,000 2,500 3,000 4,000 4,500 4,500 5,000 5,000 5,000 OutPatientConsultation(Rs) (LimitperconsultationRs300) 1,200 1,500 2,100 2,400 3,000 3,300 5,000 5,000 5,000 HospitalCashBenefit(Rs) (7daysperadmission,120daysinPyr) 500 750 750 1,000 1,000 1,500 2,500 2,500 2,500 NoClaimBonus (Upto100%oftheBasicSI) 50% + 50% 100% 100% 100% 100% 100% 100% 100% 100% AutomaticRestoration (Upto100%,Onceineverypolicyyear) Canbeutilizedforillness/diseaseforwhichclaim/swas/werealreadymadeduringthepolicyyear Moderntreatments BasedontheSuminsuredchosenlimitsdiffer,referpolicywordingforfurtherdetails
WaitingPeriod Initialwaitingperiod 30daysforallillnesses(exceptaccident) ForSpecificdiseases 2years ForPre-existingdiseases 3years
PolicyType
EntryAge
MidtermInclusion
ForIndividuals&Family
18years–40years
ForAdults:18years–40years(FamilySize–2Adults+3DependentChildren)
ForDependentChildren:91days-25years
Availableforincludingnewlymarriedspouseand/orlegallyadoptedchild(Intimation shouldbegivenwithin45daysfromthedateofmarriageordateofadoption)
NewBornonpayingadditionalpremium(Intimationshouldbegivenwithin90daysfrom DOB)
Renewal Available-Lifelong
PolicyTerm OneYear,TwoYears&ThreeYears
PremiumPaymentOptions
Floater)
Room-SinglePrivateACRoom DayCareProcedures Alldaycareproceduresarecovered(Actuals)
Pre&Post-Hospitalization 60Days&90Days
RoadAmbulance Covered(Actuals)(i)fortransportationtohospital(ii)fromonehospitaltootherhospital E-MedicalOpinion AvailablefromtheCompany’sexpertpanelmailid:emedicalopinion@starhealthin
AdditionalCoverforRTA
StarWellnessProgram (forInsuredaged=>18years)
DiscountforearlyEntry
DeliveryExpenses (GoldPlan)
Restoredsuminsuredcanbeutilizedforallclaims(forsubsequenthospitalizations)
ThemaximumliabilityinaSingleclaimwillbeuptothelimitofcover
IncaseofRTA,25%ofsuminsured(or)maxuptoRs10Lakhs
Wellnessplatformisavailablebothinourmobileapp“StarPower”&CustomerPortal (Retail)TheInsuredcanearnrewardpointsandavailpremiumdiscountupto10%onthe renewalpremiumbyenrollingandachievingthewellnessgoals
Ifenteredbefore36years,continuedthepolicy,from41yearsage10%discountwillbe givenLifelongavailable
Covered-UptoRs30,000perdelivery(Waitingperiod-36monthsfor1stdelivery&24 monthsfor2nddelivery)
HospitalCashBenefit (GoldPlan) Rs1,000perday,Maximum7daysperadmission,14daysperpolicyperiod
Moderntreatments
BasedontheSuminsuredchosenlimitsdiffer,referpolicywordingforfurtherdetails
WaitingPeriod
Initialwaitingperiod 30days(notapplicableforAccidents)
ForSpecificdiseases 12Months
(a)
DiseasesofENTandThyroid
(b)AlltypesofHydrocele,Hernia,Vericocele,Piles,FistulaandFissureinAno
(c)
DiseasesofFemaleReproductiveSystem
(d)CalculusdiseasesoftheGallBladder,KidneyandUrinaryTract
ForPre-existingdiseases 12months
Version10SP Parameters YoungStarInsurancePolicy SHAHLIP22036V042122 W a i t i n g P e r i o d C o v e r a g e F e a t u r e s Aboutthepolicy ThisisanindemnitypolicyavailableforYoungsters
*TheinformationprovidedinthisdocumentisonlyindicativeFormoredetailsonthetermsandconditions,pleasereadthepolicywordingsbeforeconcludingasale
SumInsured(Lakhs) 3L/5L/10L/15L/20L/25L/50L/75L/100L(3Lakhssuminsuredisnotavailablefor
PlanOptions SilverPlan&GoldPlan Coverage In-patientHospitalization
Quarterly/Half-Yearly/Yearly/Oncein2Years/Oncein3Years Pre-MedicalScreening Notrequired
HealthCheck-up (availableaftereachpolicy year) SumInsured 3Lakhs 5Lakhs 10Lakhs 15Lakhs&above IndividualCover 1,500 2,000 3,000 3,500 FloaterCover NA 3,000 4,000 5,000 AutomaticRestoration (Upto100%,Onceinevery policyyear)
Restorationtriggersuponpartial/fullutilizationoflimitofcover (LimitofCover=Basicsuminsured+NCB)
NoClaimBonus
20%foreachclaimfreeyearsubjecttoamaximumof100%
