| Star Unique Health Insurance Policy |
| Who Can Take This Insurance? |
 |
Any person between18 years and
65 years age at the time of entry can take
this insurance |
|
The sum insured under this insurance
is per individual member covered. |
|
| 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 upto the limits specified. |
|
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. |
|
Specified Day-Care procedures
covered |
|
| Policy Term : |
|
This is a two year policy. The
sum insured and sub limits are for each year
of insurance and cannot be cumulated or carried
forward.The premium under the policy can be
paid in 2 instalments as indicated.The first
instalment is payable at the commencement
of the policy. The second instalment is payable
at the beginning of the second year of the
policy. The policy would lapse if the instalment
is not paid on or before the due date. |
|
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-Existing Diseases / Illness
: |
|
Pre-Existing Disease/ Condition
(other than those diseases / conditions for
which specific periods have been mentioned
under exclusions) will be covered after 11
months of continuous coverage with the Company.
Coverage will be upto the limits specified. |
|
| Pre- Acceptance medical screening: |
|
No Pre-acceptance medical screening
is required for this insurance. |
|
| 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 claim settlement |
|
Faster and hassle free claim
settlement |
|
Network of more than 6000 hospitals
across India |
|
Facility for maintaining personal
health records in electronic format |
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