Star Senior Citizen Red Carpet Health Insurance Plan

Star Senior Citizen Red Carpet Health Insurance Plan Age at Entry – Adult 60 years to 65 years Policy Type Individual Policy – Specially designed for Senior Citizens Sum Insured Options 1Lac / 2Lac / 3Lac / 4Lac / 5Lac / 7.5Lac & 10Lac Policy Period 1 Year Renewal Guarantee Life Long Renewal Grace Period 30 days – To continue policy without loss of continuity benefits(Waiting Period PED Coverage) Hospitalisation in-patient hospitalisation – Minimum period of 24 hours Room Rent, Boarding and Nursing Expenses 1 % of SI – MAX Rs.6000 per day – whichever is lower ICU Charges 2 % of SI Medical Professional Fees including specialist’s fee Surgeon, Anaesthetist, Medical Practioner, Consultant, Specialist Fees – MAX 25 % of SI (Per Hospitalisation) Other Medical Expenses Anaesthesia, Blood, Oxygen, OT Charges, Surgical Appliances, Medicines and Drugs, Diagnostic Materials, X-ray, Diagnostic Imaging, Dialysis, Chemotherapy, Radiotherapy, Pacemaker, Stent etc. – Max 50% of SI (Per Hospitalisation) Road Ambulance Charges Rs.600 per hospitalisation & Rs.1200 per policy year Pre – Hospitalisation Expenses Not Available Post – Hospitalisation Expenses 7% of nursing, surgeon/consultant fees, diagnostic expenses, drugs cost only – Max Rs. 5000 per occurrence Day Care Procedure covered (Sub-limits) Lithotripsy-Rs. 20000/Tonsillectomy-Rs.7500/Cutting and Drainage of Abscess- Rs.1500/Liver Aspiration-Rs.2000; Pleural Effusion Aspiration-Rs.2000/Colonoscopy-Rs.2000/Scelerotheraphy-Rs.5000; Chemotherapy(Part of Cancer sublimit); Radiotherapy(Part of Cancer Sublimit); Dialysis(Part of Renal complication Sublimit); Dental Surgery; Cataract-(SI Based Sub-limit) Sub-limit for Day Care Procedure for Cataract – SI/ Per Policy Period 1&2Lac-Rs.15000; 3Lac-Rs.18000; 4Lac-Rs.20000; 5Lac-Rs.21500; 7.5Lac- Rs.23000; 10Lac-Rs.25000 Specified Surgeries – CVA, CVD, Cancer, Renal Complications, Breakage of Bones – Sub-limit 1Lac-Rs.75K / 2Lac-Rs.1.5Lac / 3Lac-Rs.2Lac / 4Lac-Rs.2.25Lac / 5Lac-Rs.2.75Lac/ 7.5Lac-Rs.3Lac/ 10Lac-Rs.3.5Lac Other Major Surgeries – Sub-limit 1Lac SI -Rs.60K / 2Lac-Rs.1.2Lac / 3Lac-Rs.1.5Lac / 4Lac-Rs.2Lac / 5Lac-Rs.2.25Lac /7.5Lac-Rs.2.5Lac; 10Lac-Rs.2.75Lac Out-patient Consultation at network hospitals-Rs. 200 per consultation – Pay-out will not reduce SI Max. in a year – 1&2Lac-Not available; 3Lac-Rs.600; 4Lac-Rs.800; 5Lac-Rs.1000; 7.5Lac-Rs.1200; 10Lac-Rs.1400 10% Discount on Premium (Fresh and Renewal) by Providing Medical Report Medical Report taken within 45days prior to Date of Proposal – Stress Thallium Report, BP, Sugar (Blood and Urine). Blood Urea & Creatinine – Cost to be borne by the client. Recharge, Restoration, No claim Bonus, Health Check-up Not available Co-pay-for claims on Pre-Existing Disease 50% Co-pay applied on all PED Claims Co-pay for Claims on other than PED Claims 30% Co-pay applied on all Non-PED Claims 30 days waiting Period of Accident 12 months waiting Period Pre-Existing Diseases(PED) declared in Proposal, Accepted and Endorse in Policy 24 months waiting Period Veins Ulcers, Hernia, Fistula/Fissure, Congenital internal Disease, – For full list refer Product Boucher Permanent Exclusions Diseases, Psychiatric treatments, Intentional Self-Injury, Pregnancy and Child Birth related, Weight control, Cosmetic Treatments, Plastic Surgery – for full list refer Product Boucher Declined Risks (Not Eligible to buy) Heart diseases, Cancer, Kidney Diseases, Major CNS ailments(CVA, Parkinson’s Disease, Alzheimer’s Disease), Cirrhosis of Liver, Chronic Obstructive Pulmonary Disease (COPD), Auto immune/Connective tissue disorders requiring long term steroids and immunosuppressant Documentary Requirements Questionnaire Acceptance Limits Any Age – Without PED – Accepted at Operating Office Any Age – With PED -Medical Opinion through lab portal by the Corporate Office Pre-Acceptance Medical Screening No Pre-Insurance Medical Screening Required – Providing specific medical Tax Benefits – Sec-80D Rs. 30000 – for Age 60 years and above clients

Star Comprehensive Insurance Policy

Version_1.0_SP Parameters Star Comprehensive Insurance Policy UIN: SHAHLIP2077V041920 Features About the policy
Covers hospitalisation expenses incurred as a result of illness and/or accidental injuries Type of Cover
Individual Sum Insured / Floater Sum Insured (Family Size – 2 Adults + 3 Dependent Children) Entry Age
For Adults: 18years – 65years
For Dependent Children: 91 days to 25 years Midterm Inclusion
Available for including Newly married spouse and New Born on paying additional premium
(Intimation about the marriage/ newborn should be given within 60 days from the date of marriage/ new born) Co-payment
10% Co-payment is applicable if the Insured age at entry is above 60 years Renewal
Lifelong Policy Term
One Year & Two year Pre Policy Medical Checkup
Not Required Sum Insured Options (Rs. in Lacs)
5
7.5
10
15
20
25
50
75
100 Primary Cover & Additional benefits Hospitalization – Room Rent
Private Single AC Room (Actuals) ICU, Dr Fees, Tests, Medicines
Covered (Actuals) Road Ambulance Charges
Covered (Actuals)
(i) for transportation to hospital (ii) from one hospital to other hospital (iii) from hospital to residence Pre & Post Hospitalization
60 days & 90 days (Actuals) Organ Donor Expenses
Covered (Actuals)
Additional SI up to Basic SI for the Complications(if any) that necessitate a Redo Surgery/ICU admission Day Care Procedures
All day care procedures are covered (Actuals) Domiciliary hospitalization
Covered (Actuals)
Covered for the period exceeding three days Psychiatric & Psychosomatic
Covered (Actuals) Air Ambulance
Covered
Up to Rs.2,50,000/- per hospitalization and maximum up to Rs.5,00,000/- per policy year Star Wellness Program Available for Insured aged => 18 yrs
Wellness platform is available both in our mobile app “Star Power” & Customer Portal (Retail)
The Insured can earn reward points and avail premium discount up to 10% on the renewal premium by enrolling and achieving the wellness goals. For details please refer the policy wording / prospectus. Sum Insured Options (Rs. in Lacs)
5
7.5
10
15
20
25
50
75
100 Accidental Death & PTD
5
7.5
10
15
20
25
50
75
100
For Dependent Child & Persons aged above 70 years, this cover is available up to 10 Lacs only. Bariatric Surgery (Waiting Period 36 months)
2,50,000
2,50,000
2,50,000
2,50,000
5,00,000
5,00,000
5,00,000
5,00,000
5,00,000 Ayush Treatment (For Ayurveda, Unani, Sidha & Homepathy)
15,000
15,000
15,000
15,000
20,000
20,000
30,000
30,000
30,000 Delivery Exp., (Waiting Period 24 months) & New Born Cover Normal
15,000
25,000
30,000
30,000
30,000
30,000
50,000
50,000
50,000 Caesarean
20,000
40,000
50,000
50,000
50,000
50,000
1,00,000
1,00,000
1,00,000 New Born Cover
1,00,000
1,00,000
1,00,000
1,00,000
1,00,000
1,00,000
2,00,000
2,00,000
2,00,000 Vaccination Exp.,
5,000
5,000
5,000
5,000
5,000
5,000
10,000
10,000
10,000 OP Dental/ Ophthalmic treatment (after every block of 3 policy yrs)
5,000
5,000
10,000
10,000
10,000
10,000
15,000
15,000
15,000 Health Check-up benefit (Rs.) (for every claim free year)
2,000
2,500
3,000
4,000
4,500
4,500
5,000
5,000
5,000 Out Patient Consultation (Rs.) (Limit per consultation – Rs.300/-)
1,200
1,500
2,100
2,400
3,000
3,300
5,000
5,000
5,000 Hospital Cash Benefit (Rs.) (7days per admission, 120 days in P.yr)
500
750
750
1,000
1,000
1,500
2,500
2,500
2,500 No Claim Bonus (Up to 100% of the Basic SI)
50%
+ 50%
100%
100%
100%
100%
100%
100%
100%
100% Automatic Restoration (Up to 100%, Once in every policy year)
Can be utilized for illness/ disease for which claim/s was/ were already made during the policy year. Optional Cover Optional Cover Buy back of PED waiting period
Will reduce the PED/s waiting period to 12 months from 36 months
– This Option is available only for the first purchase of this Star Comprehensive Insurance Policy
– In case of floater policy, this reduction is applicable only for the persons who opted for this facility
– This Option is not available for renewal/ migrated/ ported policies Waiting Period Initial waiting period
30 days for all illnesses (except accident) For Specific diseases
2 years For Pre-existing diseases
3 years

Star Health Assure Insurance Policy

Star Health Assure Insurance Policy
UIN: SHAHLIP23017V012223
About the policy Covers hospitalization expenses incurred as a result of illness and/or accidental injuries
Type of Cover Individual and Floater
Entry Age
Individual : 18 Years to 75 Years, Dependent Children: 91 Days to 18 Years
Floater : 18 Years to 75 Years, Dependent Children: 16 Days to 18 Years
Note: In case of dependent children, when they complete 18 years of age, such children will be considered as
Adult and he/she can continue under floater sum insured till he/she gets married
Maximum Family Size
Maximum family size is 2A+3C+4P. Self, Spouse , Dependent children, Parents and Parents in law.
(or)
6 Adults + 3 Children (6 Adults = Self + Spouse + Parents + Parents-in-law).
If Dependent parents and parents in-laws alone wants to cover under this policy separately, the same is
possible under 2A family scheme.
Midterm Inclusion Available for Newly Wedded spouse, New born baby and Legally adopted child. Intimation should be given
within 45 days from the date of marriage or date of birth
Zone based pricing Zone A: Delhi including Faridabad, Gurgaon, Ghaziabad and Noida, Mumbai including Thane, Ahmedabad,
Surat and Vadodara
Zone B: Pune including Nashik, Trivandrum, Ernakulam, Chennai, Bengaluru, Hyderabad, Secunderabad
and Rest of Gujarat
Zone C: Rest of India
Co-payment 10% of each and every claim amount for fresh as well as renewal policies for insured person whose age at
the time of entry is 61 years an above.
Renewal Lifelong
Policy Term One Year, Two years & Three Years
Long Term Discount Two year policy: 10 % discount on 2 nd year premium
Three year policy: 10% discount is available on 2 nd and 3rd year premium
Floater Discount Under floater policy, premium for child aged up to 17 years will be according to the family size.
Above 17 years, the child can continue under the floater policy by paying the premium applicable for the
child based on his/her appropriate age from the 1A premium table with a floater discount of 40%.
The premium for parents (in-laws) is based on their appropriate age from the 1A table
with a floater discount of 10% for each parent.
Pre Medical Screening For those who declare adverse medical history, company may subject them to undergo pre-policy medical
check-up. 100% cost of such medical examination is borne by the company
Note : For children whose age is less than 12 years, Paediatrician letter, Vaccination report
or Health Report should be submitted and the proposal will be routed to our CMU Team for
medical opinion.
Sum Insured Options (Rs. in Lakhs) 5 10 15 20 25 50 75 100 200
Note: Rs 75 Lakhs, Rs 100 Lakhs and Rs 200 Lakhs sum insured will be available for persons aged up to
65 years only. This is applicable only at the time of inception of this policy
Room Rent Upto 1% of Sum Insured or upto Rs.20,000/- per day whichever is
less
No limit (Any room)
Coverage for Non Medical Items
(Consumables)
If there is an admissible claim under inpatient / day care the policy, then Items as per List I will become
payable
Emergency Road Ambulance Covered upto sum insured
(i) for transportation to hospital (ii) from one hospital to other hospital (iii) from hospital to residence
Pre & Post Hospitalization 60 days & 180 days. Covered upto sum insured
Organ Donor Expenses Covered upto sum insured. Additional SI up to Basic SI for the Complications(if any) that necessitate a Redo
Surgery/ICU admission
Day Care Treatments All day care treatments are covered upto sum insured
Domiciliary hospitalization Covered upto sum insured.Treatment taken at home for the period exceeding three days
Home Care Treatment Payable up to 10% of the sum insured subject to maximum of Rs 5 Lakhs in a policy year
Air Ambulance Covered up to 10% of sum insured per policy year
Star Wellness Program
Available for Insured aged => 18 yrs
Wellness platform is available both in our mobile app “Star Power” & Customer Portal (Retail) The
Insured can earn reward points and avail premium discount up to 20% on the renewal premium by
enrolling and achieving the wellness goals. For details please refer the policy wording / prospectus.
Sum Insured Options (Rs. in Lakhs) 5 10 15 20 25 50 75 100 200
Health Check up
Assure
Each policy year
(Irrespective of
claim)
Individual (Rs) 1500 2000 4000 5000 5000 5000 8000 8000 8000
Floater (Rs) 2500 5000 8000 10000 10000 10000 15000 15000 15000
Cumulative Bonus
25% of sum insured for each claim free and maximum up to 100% of the sum insured
Ayush Treatment
(For Ayurveda, Unani, Sidha &
Homepathy)
Covered up to sum insured
Assisted Reproduction Treatment
(Limit of Liability in a policy year)
1 Lakh 2 Lakhs 2 Lakhs 2 Lakhs 2 Lakhs 4 Lakhs 4 Lakhs 4 Lakhs 4 Lakhs
Delivery Expenses (Per Policy Year) Covered up-to 10% of the Sum Insured.
Both self and spouse are covered under this policy for a continuous period of 2 years under Individual or
floater sum insured
In Utero Fetal
surgery/Intervention
Covered up to sum insured, Waiting period: 2 years from the date of inception of this policy
Sum Insured Options
(Rs. in Lakhs)
5 10 15 20 25 50 75 100 200
Hospitalization Expenses for
Treatment of New Born Cover
2 Lakhs 2 Lakhs 2 Lakhs 2 Lakhs 2 Lakhs 4 Lakhs 4 Lakhs 4 Lakhs 4 Lakhs
Treatment for Chronic Severe
Refractory Asthma
Payable up to 10% of sum insured not exceeding Rs.5 Lakhs per policy period
Compassionate Travel Company will reimburse the transportation expenses by air incurred up to Rs.10,000/- for one immediate
family member (other than the travel companion)
Repatriation of mortal remains Company shall reimburse up to Rs.15,000/- in a policy year
Payable towards the cost of repatriation of mortal remains of the insured person (including the cost of
embalming and coffin charges) to the residence of the Insured as recorded in the policy
Treatment in Valuable
Service Providers Network 1% of Sum Insured subject to a maximum of Rs.5,000/- per policy period is payable as lump sum
Shared Accommodation Payable for in-patient hospitalization, then amount of Rs.1,000/- per day will be payable for each
continuous and completed period of 24 hours of stay in such shared accommodation
Second Medical Opinion Can obtain a Second Medical Opinion from a Doctor in the Company’s network of Medical Practitioners.
All medical records should be forwarded to the mail-id e_medicalopinion@starhealth.in.or through
Post/Courier.
Automatic Restoration
Sum Insured will be restored unlimited number of times and maximum up to 100% each time, which
can be utilized for a subsequent hospitalization.
Restoration will trigger immediately upon partial/ full utilization of the sum insured, which can be utilized
for a subsequent hospitalization.
On partial utilization of the Sum Insured, it will be restored up to extent of utilization.
On full utilization of the Sum Insured, it will be restored to 100%
Used for all claims including for modern treatment, but for a subsequent hospitalization
Maximum payable amount for a single claim under restoration benefit shall not more than the sum insured
Modern treatments Covered up to sum insured
Rehabilitation and Pain
Management
Covered up to the sub-limit (or) maximum up to 20% of the sum insured whichever is less, per policy year
Optional Cover
Optional Cover to choose
deductible
This deductible is applicable for
every policy year (on Aggregate
basis)
Sum Insured Aggregate Deductible
Option
Discount Offered
Upto Rs 20 Lakhs Rs 50,000 45%
Rs 1 Lakh 55%
Above Rs 20 Lakhs Rs 50,000 35%
Rs 1,00,000 50%
Waiting Period
Initial waiting period 30 days for all illnesses (except accident)
For Specific diseases 2 years
For Pre-existing diseases Applicable for 3 year policy term: 2.5 years.
Applicable for 1 year and 2 year policy term :3 years
Delivery Expenses Cover 2 years
In Utero Fetal Surgery /
Intervention
2 years
Assisted Reproduction Treatment 2 years
New Born Baby Cover 1 year
* The information provided in this document is only indicative. For more details on the terms and conditions, please read the policy wordings before concluding a sale.

Life insurance benefits

Life insurance offers several benefits that can provide financial security and peace of mind to policyholders and their loved ones. Here are some of the key benefits of life insurance:

  1. Financial Protection: One of the primary benefits of life insurance is to provide financial protection to the insured’s beneficiaries in the event of their death. The death benefit paid out by the insurance company can help replace lost income, cover living expenses, pay off debts, such as mortgages or loans, and maintain the family’s standard of living.
  2. Estate Planning: Life insurance can play a crucial role in estate planning by providing liquidity to cover estate taxes, settlement costs, and other expenses that may arise upon the insured’s death. This can help preserve the value of the estate and ensure a smooth transfer of assets to heirs and beneficiaries.
  3. Debt Repayment: Life insurance proceeds can be used to pay off outstanding debts, such as mortgages, car loans, credit card balances, and personal loans. This can prevent financial burden and hardship for surviving family members and ensure that they can maintain ownership of important assets, such as a family home.
  4. Income Replacement: For individuals who are the primary breadwinners or contribute significantly to their family’s income, life insurance can provide a crucial safety net by replacing lost income in the event of their premature death. The death benefit can help ensure that surviving family members can continue to meet their financial obligations and achieve their long-term financial goals.
  5. Education Funding: Life insurance can be used to fund future education expenses for children or grandchildren. The death benefit can help cover the cost of tuition, books, and other educational expenses, ensuring that beneficiaries have access to quality education regardless of the insured’s absence.
  6. Business Continuity: Life insurance can play a vital role in business succession planning by providing funds to buy out a deceased partner’s share of the business, repay business debts, or cover operating expenses during a transition period. This can help ensure the continuity and stability of the business in the event of the owner’s death.
  7. Tax Advantages: In many cases, life insurance proceeds are not subject to income tax when paid out to beneficiaries. Additionally, the cash value accumulation in certain types of permanent life insurance policies may grow tax-deferred, providing potential tax advantages for policyholders.
  8. Peace of Mind: Knowing that loved ones will be financially protected and provided for in the event of one’s death can offer peace of mind and alleviate concerns about the future. Life insurance can provide reassurance that financial responsibilities will be met, allowing individuals to focus on enjoying life without worrying about the unexpected.

Overall, life insurance offers a range of benefits that can help individuals and families achieve their financial goals, protect their assets, and secure their loved ones’ future.

Build a financially secure and sustainable future for you and your family