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Page 1: Star care nandagopal-9994910202

Star Health and Allied Insurance Co. Ltd.

S.V.NANDAGOPALSENIOR SALES MANAGER

THANKS FOR OPPORTUNITY TO SERVEMOBILE

99949 10202 , 94431 86864 , 83000 20102

www.licnanda.blogspot.com

[email protected] , [email protected]

வருமுன்னர்க் காவாதான் வாழ்க்கக எரிமுன்னர்கவத்தூறு ப ாலக் ககடும். திருக்குறள்

Page 2: Star care nandagopal-9994910202

Star Health and Allied Insurance Co. Ltd.

Presentation on

Star Care Insurance Policy

Page 3: Star care nandagopal-9994910202

Star Health and Allied Insurance Co. Ltd.

Major Features

Regular hospitalization expenses for Individual as well

as Floater basis for illness/disease/accidental injuries.

Offers cover for Tier I and Tier II locations in India

(Tier-1 places means those places where the population as per census 2011 is between 5,00,000 and

10,00,000. Tier-2 places means those places where the population as per census 2011 is less than

5,00,000).

Trial in two districts in Tamil Nadu

Page 4: Star care nandagopal-9994910202

Star Health and Allied Insurance Co. Ltd.

Eligibility

• Entry Age 18 yrs to 65 yrs. Children can be covered from 2

years along with parents.

• Beyond 65 years, only renewal

• No Exit Age

• Policy available on Individual Basis as well as on Floater

Basis.

• Floater policy available for Self, Spouse and dependant

children up to 25 years of age.

Page 5: Star care nandagopal-9994910202

Star Health and Allied Insurance Co. Ltd.

• Pre - Acceptance Medical Examination

No pre-acceptance medical screening

• Sum Insured Options

Only one single sum insured Rs.1,00,000/-

Page 6: Star care nandagopal-9994910202

Star Health and Allied Insurance Co. Ltd.

Coverage

• Room Rent Limit – Upto 0.75% of sum insured either

Private room or shared accommodation

• ICU Limit – Upto Rs.2000/- per day subject to maximum of

Rs.10,000/- per hospitalisation.

• Surgeon, Anesthetist, Medical practitioner, Consultants,

Specialist Fees

Page 7: Star care nandagopal-9994910202

Star Health and Allied Insurance Co. Ltd.

Coverage

• Emergency ambulance charges up-to a sum of Rs.500/-

per hospitalization and overall limit of Rs.1000/- per policy

period

• Pre hospitalisation : Medical expenses incurred upto 30

days prior to hospitalisation.

• Post hospitalisation : Medical expenses up to 60 days

subject to a maximum of 7% of hospitalization expenses or

Rs.3000/- whichever is less

Page 8: Star care nandagopal-9994910202

Star Health and Allied Insurance Co. Ltd.

Sub Limits

AilmentLimit of Indemnity per policy period

Medical Management (Major diseases)Rs.15,000/-

Medical Management (Other diseases)Rs.7,500/-

CataractRs.8,500/-

Accidental grievous injuries(either surgery or medical management)

Rs.40,000/-

Major Surgeries Rs.40,000/-

Other SurgeriesRs.20,000/-

Where more than one person is covered on individual basis (not on floater basis) this

limit shall mean limit per policy period per person

Page 9: Star care nandagopal-9994910202

Star Health and Allied Insurance Co. Ltd.

Special Features

• Hospital cash benefit will be paid at the rate of One

Thousand Rupees per day of hospitalization, subject to a

maximum of 14 days, where the treatment was taken in

Government Hospital. This will be paid only for covered

surgeries done as in-patient, whether any claim is made on

indemnity basis or not.

• 405 Day Care Procedures

Page 10: Star care nandagopal-9994910202

Star Health and Allied Insurance Co. Ltd.

Waiting periods

• 30 days

• Waiting period for specific diseases 24

months

• Waiting period for PED 48 months

Page 11: Star care nandagopal-9994910202

Star Health and Allied Insurance Co. Ltd.

Major Exclusions

• Expenses incurred on High Intensity Focused Ultra Sound,

Uterine Fibroid Embolisation, Hyperbaric Oxygen Therapy,

Rotational Field Quantum Magnetic Resonance Therapy and

such other similar therapies.

• Naturopathy Treatment, unconventional, untested/unproven,

experimental therapies

• Stem cell Therapy and related transplantation, Chondrocyte

Implantation, Immunotherapy, Oral Chemo Therapy

• Non allopathy treatments

Page 12: Star care nandagopal-9994910202

Star Health and Allied Insurance Co. Ltd.

Premium

Age

(in years)

Sum Insured - Rs. 1 lakh

Plan

1A 1A+1C 1A+2C 2A 2A+1C 2A+2C

2-25 905 1,290 1,620 1,400 1,705 1,995

26-40 1,100 1,665 2,090 1,805 2,200 2,500

41-50 1,600 2,395 2,945 2,600 3,100 3,500

51-60 2,200 3,320 4,180 3,605 4,400 5,000

61-65 3,080 4,540 5,700 4,930 6,000 6,780

66-70 3,665 5,400 6,795 5,865 7,150 8,065

Above 70 4,290 6,320 7,955 6,865 8,370 9,440

Service Tax Extra

A means Adult

C means Child

All options except 1A are on floater basis

.

Page 13: Star care nandagopal-9994910202

Star Health and Allied Insurance Co. Ltd.FHO-rev2014/cpu/ver1.4/16 Oct

2014

13

• ALSO WE PROVIDE

• LIFE INSURANCE

• HEALTH INSURANCE

• CHILD FUTURE PLANS

• TAX SAVING & PLANNING

• PAN CARD & PASSPORT

• MOTOR VEHICLE INSURANCE

• IMPORT & EXPORT

INSURANCE

• INDIVIDUAL,FAMILY,GROUP &

CORPORATE INSURANCE

NEEDS

Page 14: Star care nandagopal-9994910202

Star Health and Allied Insurance Co. Ltd.