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) | |
| Minimum | No age limit |
| Maximum | No age limit |
| Coverage Type | Individual; if policy proposed by NGO/governmental agencies or registered societies |
| Sum Insured (Rs) | |
| Maximum | 50000 |
| Minimum | 30000 |
| Policy Term (years) | 1 |
| Pre Policy Medical Check Up | Required to staisfy eligibility criterion at company's cost |
| Customer Service | |
| Address | Corporate Office: No.1, New Tank Street, Valluvar Kottam High Road, Nungambakkam, Chennai - 60003 |
| Mail to | [email protected] |
| Call to | 1800 425 2255, 044-28288800 |
| SMS | STAR to 56677 |
| Network Hospitals | Http://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 diseases | not covered unless specifically allowed |
| No claim period | AIDS confirmation within 90 days of commencement of the policy |
| Other exclusions | Expenses incurred in treating HIV |
| Annual Premium | ||
| Insured Amount | Premium (R) | |
| 30000 | 2500 | |
| 50000 | 4000 | |
| *premium is exclusive of service tax and cess | ||
| Additional Health Cover under HIV Care Policy (Optional) | ||
| Insured Amount | Premium (R) | |
| 30000 | 390 | |
| 50000 | 650 | |
| premium is exclusive of service tax and cess | ||
