Turning sixty is a major milestone and for people, a time to start being more careful about their health. It is a matter of concern that insurance policies are hardly available to address this critical requirement. STAR Health is proud to introduce
Major product features
- For people aged between 60 and 69 years
- Guaranteed renewals beyond 69 years
- No pre-insurance medical test required
- Treatment at network hospitals and non net work hospitals
- All pre-existing diseases are covered from first year, except those for which treatment or advice was recommended by or received during the immediately preceding 12 months from the date of proposal
- Disease for which treatment or advice was recommended by or received during the immediately preceding 12 months from the date of proposal will be covered from second year onwards
Policy benefits
- Hospitalization Cover: In-patient hospitalization expenses for a minimum of 24 hours. Includes room rent and boarding @1% of sum
- ICU expenses per day @ 2% of sum insured
- Nursing expenses
- Surgeon's fees, consultant's fees, Anesthetist's and specialist's fees, per illness @ 25% of sum insured
- Cost of blood, oxygen, pacemaker
- Cost of drugs and diagnostic tests @ 50% of sum insured per hospitalization
- Treatment for Cardiovascular Diseases / Cerebrovascular Accident : upto Rs.75,000/- where the sum insured is Rs.1,00,000/- and upto Rs.1,50,000/- where the sum insured is Rs.2,00,000/-
- Cataract (both eyes included), up to Rs.15,000/-
- Renal Complications : upto Rs.75,000/- where the sum insured is Rs.1,00,000/- and upto Rs.1,50,000/- where the sum insured is Rs.2,00,000/-
- All other Major Surgeries : upto Rs.60,000/- where the sum insured is Rs.1,00,000/- and upto Rs.1,20,000/- where the sum insured is Rs.2,00,000/-
- Emergency Ambulance Charges for transporting the Insured Person to the Hospital @Rs.600/- per Hospitalisation and Rs.1200/- per Policy period
Post-hospitalization
- Post-hospitalization - a lumpsum calculated at 7% of the hospitalization expenses (excluding room charges), subject to a maximum of Rs 5,000 is payable.
Policy Premium
- A flat premium of Rs.4908/- (inclusive of Service Tax) per annum for a sum insured of Rs.1,00,000/- and
- A flat premium of Rs.9326/- (inclusive of Service Tax) per annum for a sum insured of Rs.2,00,000/- , irrespective of age. .
- A discount of 10% of the above premium will be allowed if the Proposer produces the following documents to the satisfaction of the Company
- Stress Thallium Report*
- BP report*
- Sugar (blood & urine)*
- Blood urea & creatinine*
- Self-declaration or certification that surgeries related to Heart / Brain / Cancer has / have not been done in the past *The tests should have been taken not before 45 days from the date of proposal.
Tax benefits
- Premium paid by Cheque or DD A/c Pay, STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED. is eligible for relief as provided under Section 80 D of the Income Tax Act.
Exclusions
- Treatments currently availed or availed during the previous 12 months from date of proposal
- Any expenses incurred for treatment of illness/disease/sickness contracted by the insured person during the first 30 days from the commencement date of the policy
- First Two-year exclusions : Hernia, Piles, Hydrocele, Congenital Internal disease/defect, Sinusitis, Gall Stone/Renal Stone removal and Benign Prostrate Hypertrophy
- Two-Year Exclusions: Hysterectomy, Cataract, Joint/Knee Replacement surgery(other than caused by an accident),Prolapsed Intervertebral Discs, Varicose Veins, Ulcers
- Naturopathy treatement
- Expenses which are purely diagnostic in nature with no positive existence of any disease
- Expenses for treatments that are mainly cosemtic in nature
- 50% co-payment applicable for pre-existing diseases conditions
- 30% co-paument applicable for all other claims
Claim procedures
- Call the 24-hour helpline for assistance
- Inform the ID number for easy reference
- In case of a planned hospitalisation, please inform 24 hours prior to admission into the hospital
- In case of emergency hospitalisation, information to be given within 24 hours after the hospitalisation
- Cashless facility can be availed at all network hospitals
- In non-network hospitals, payments must be made up-front and then reimbursement will be effected on submission of documents
NOTE: The benefits and exclusions mentioned herein are only an outline of the policy. For complete details, please contact 099946 12916, 093628 5443, Marketing – Sales Manager.
How to buy this insurance?
- Please contact us through our 099946 12916, 093628 5443 / SMS /
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