STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITEDPERSONAL & CARING

S.V.NANDAGOPAL SENIOR SALES MANAGER

THANKS FOR OPPORTUNITY TO SERVE

MOBILE

99949 10202 , 94431 86864 , 83000 20102

www.licnanda.blogspot.com

licnanda@gmail.com , starhealthwithu@gmail.com

வருமுன்னர்க்காவாதான்வாழ்க்கைகஎரிமுன்னர்

கைவத்தூறுப�ாலக்கெகடும். திருக்குறள்

STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITEDPERSONAL & CARING

Star Super Surplus

STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITEDPERSONAL & CARING

Major Product Features

Wider coverage option of Rs. 7 Lacs and Rs. 10 Lacs for individual

Family floater coverage for Rs. 10 lacs

Low Premium

Deductible

This insurance will pay for the hospitalisation expenses, as per detailed policy terms, in excess of Rs. 3,00,000/- and Rs.5,00,000/- respectively. This limit is for each hospitalisation.

For arriving at the cost per hospitalisation the expenses incurred on pre hospitalisation are to be excluded

STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITEDPERSONAL & CARING

Age Limits..

5 Months – 65 Years (entry age)

Life long Renewals

Pre - Insurance Medical Test No Pre – Insurance Medical Test is required

Pre Existing Disease is covered after three continuous years of renewal with the company.

STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITEDPERSONAL & CARING

Premium Rating

Sl.No. SchemeSum Insured

(Rs.)Deductible

(Rs.)

Premium (in Rs.

excluding Service Tax)

1. Individual 7,00,000/- 3,00,000/- 3309/-

2. Individual 10,00,000/- 3,00,000/- 4412/-

3. Individual 10,00,000/- 5,00,000/- 3640/-

4. Family Floater 10,00,000/- 3,00,000/- 6287/-

5. Family Floater 10,00,000/- 5,00,000/- 4743/-

STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITEDPERSONAL & CARING

Coverages..

Hospitalization Expenses incurred as an inpatient for

Sickness/Illness/Diseases Accidental injuries

Family Size: 2A + 2C

STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITEDPERSONAL & CARING

Allowable Expenses..

Room rent & boarding charges subject to a maximum of Rs.4,000/- per day

ICU expenses

Nursing charges

Surgeons, Anesthetist, Medical Practitioner, Consultants, Specialists fees

Anaesthesia, Blood, Oxygen, Operation Theatre charges, Surgical Appliances, Medicines and Drugs, Diagnostic Materials and X-ray Dialysis, Chemotheraphy, Radiotherapy, Cost of Pacemaker and similar expenses

STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITEDPERSONAL & CARING

Post hospitalization expenses on a lump-sum basis @ 7% of the actual

hospitalization expenses (excluding room rent and hospital registration

charges), subject to a maximum of Rs. 30,000/-.

Note: The policy does not cover Pre Hospitalisation expenses

Allowable Expenses..

STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITEDPERSONAL & CARING

Scenario 1

Sum Insured claim amount Status

10 lacs with 3 lacs deductibles

1st claim 2 lacs Not settled

2nd claim 6 lacs 3 Lac settled Balance 7 lacs

3rd claim 10lacs

7 lacs settled Nil

Only Super Surplus.No Base policy

Policy period 2014-2015

STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITEDPERSONAL & CARING

Scenario II• Policy period June 2012-2013

Sum Insured(Medi Classic)

Sum Insured (Super Surplus)

Claim Amount Status

3 lacs 7 lacs with 3 lacs deductibles

First claim amount 5 lacs

*3 lacs from Mediclassic & 2 lacs from Super Surplus

Nil 2nd claim amount 5 lacs

2 lacs to be settled from Super Surplus

Nil 3rd claim 10 lacs 3 lacs to be settled from Super Surplus

Medi Classic &Super Surplus

*Terms & Conditions of the respective product

will be applied while settling the claim.

STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITEDPERSONAL & CARING

Premium Rating

Sl.No. SchemeSum Insured

(Rs.)Deductible

(Rs.)

Premium (in Rs.

excluding Service Tax)

1. Individual 7,00,000/- 3,00,000/- 3309/-

2. Individual 10,00,000/- 3,00,000/- 4412/-

3. Individual 10,00,000/- 5,00,000/- 3640/-

4. Family Floater 10,00,000/- 3,00,000/- 6287/-

5. Family Floater 10,00,000/- 5,00,000/- 4743/-

STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITEDPERSONAL & CARING

Exclusions..

Any Disease contracted during first 30 days No First Year Exclusion No Day CareProcedure First Two Years Exclusions

Knee Replacement Surgery Joint Replacement Surgery

Expenses for Non Allopathic treatment

Other Benefits

Benefits under Section 80-D of the IT Act

Cashless Service without intervention of TPA

Direct Tie up with hospitals on an All India Basis

STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITEDPERSONAL & CARINGFHO-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 COMPANY LIMITEDPERSONAL & CARING