Click here to load reader
View
199
Download
0
Embed Size (px)
Citation preview
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
Star Health and Allied Insurance Co. Ltd.
Presentation on
Star Care Insurance Policy
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
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.
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/-
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
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
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
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
Star Health and Allied Insurance Co. Ltd.
Waiting periods
• 30 days
• Waiting period for specific diseases 24
months
• Waiting period for PED 48 months
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
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
.
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
Star Health and Allied Insurance Co. Ltd.