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Star Netplus

Objective

This is a special policy intended to facilitate better care of HIV positive  people at critical stage of the disease.


Suited for

This policy is suitable for HIV patients.


What does it do?

The policy will have to be proposed by government agencies, NGOs, or registered societies serving the cause of persons infected with HIV. The benefits, when payable, will be paid to the insured person. Insured member can make a claim if CD4 count is less than medically prescribed limit for the first time and continues to be so for next 60 days. To put it more clearly, once the clinical examination confirms that the member is suffering from AIDS, claim can be made. It also offers to extend the cover to include hospitalisation expenses under the policy.


Pros

There is no age limit for applicants. Additional option to cover hospitalisation expenses is worthy.


Our View

This policy is recommended. Treatments for the fatal disease require hefty amount, however, the amount paid by this policy will not sufficient. It can only contribute to the total sum required.

Eligibility
Entry Age (years) 
MinimumNo age limit
MaximumNo age limit
Coverage TypeIndividual; if policy proposed by NGO/governmental agencies or registered societies
Sum Insured (Rs) 
Maximum50000
Minimum30000
Policy Term (years)1
Pre Policy Medical Check UpRequired to staisfy eligibility criterion at company's cost
Customer Service 
AddressCorporate Office: No.1, New Tank Street,
Valluvar Kottam High Road, Nungambakkam,
Chennai - 60003
Mail to[email protected]
Call to1800 425 2255, 044-28288800
SMSSTAR to 56677
Network HospitalsHttp://www.starhealth.in/hospital.php
Additions to the Plan
Scope of Cover
It pays sum insured in lumpsum on confirmation of AIDS
Exclusions and Waiting Period
Pre-existing diseasesnot covered unless specifically allowed
No claim periodAIDS confirmation within 90 days of commencement of the policy
Other exclusionsExpenses incurred in treating HIV
Annual Premium
Insured AmountPremium (R)
300002500
500004000
*premium is exclusive of service tax and cess
Additional Health Cover under HIV Care Policy (Optional)
Insured AmountPremium (R)
30000390
50000650
premium is exclusive of service tax and cess

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