Star Shri Individual Care
Will be updated soon.
Eligibility
| Entry Age (years) | |
| Minimum | 18; 5 months for children applicable under Section 1 only |
| Maximum | 50 |
| Maximum Policy Renewal Age (years) | 60 (for health cover, policyholder may migrate to any other health insurance policy offered by Star Health Insurance after attainment of 60 years of age with continuity of existing policy benefits). 60 years for section 2 (Life Insurance). |
| Coverage Type | Individual |
| Sum Insured (Rs) | |
| Maximum | 5 lakh. Maximum Sum Insured under Section 2 will be subject to maximum of health Sum Insured taken in section 1 |
| Minimum | 1 lakh for both Sections |
| Policy Term (years) | 1 |
| Tax Benefit | Section 80D and Section 80C of the Income Tax Act are applicable |
| Discount | 5% for every claim free year till it reaches 25% of initial sum insured (under section1 only) |
| Pre Policy Medical Check Up | Not required |
| Free look Period | 15 days starting from the receipt of policy |
| Grace Period for Policy Renewal | 15 days |
| Customer Service | |
| Address | Star Health and Allied Insurance Company Limited Corporate Office: No.1, New Tank Street, Valluvar Kottam High Road, Nungambakkam, Chennai - 600034. |
| Mail to | [email protected], [email protected] |
| Call to | 1800 425 6116(Shriram Life) or 1800 425 2255(Star health) |
Additions to the Plan
| Scope of Cover | |
| Cashless facility | available at empanelled network of hospitals |
| Re-imbursement | available if treatment taken in non network hospital |
| Pre-hospitalization | covers medical expenses upto 30 days prior to the hospitalization |
| Post-hospitalization | lump sum calculated at 7% of the hospitalization expenses (excluding room charges) subject to a maximum of Rs.5,000 per occurrence |
| Section 1 | |
| Inpatient hospitalization | covers sickness, illness, diseases and accidental injuries |
| Room rent, boarding | 2% of Sum Insured subject to a maximum of Rs 4000 per day |
| nursing expenses , surgeon's fees, consultant's fees, anesthetist's and specialists fees | covered |
| Emergency ambulance | covered for Rs 750 per hospitalization upto maximum of Rs 1500 per policy period |
| Cost of medicines and drugs | covered |
| Non allopathic treatment | covered upto 25% of sum insured subject to a maximum of Rs 25000 per occurrence per policy period |
| Section 2 | |
| Life Insurance | covers policy proposer who is also an earning member; pays sum assured on demise of policyholder |
| Surrender value | Nil |
| Exclusions and Waiting Period | |
| under Section 1 (Health Cover) | |
| Pre-existing diseases | covered after a period of 48 months |
| No claim period | Any disease contracted during the first 30 days of commencement of the policy |
| Waiting Period | Certain diseases such as cataract, varicose veins etc. will be covered after a period of 2 years.Certain diseases such as hernia, piles, sinusitis etc. will be covered after a period of 1 year |
| under Section 2 (Life Insurance) | Suicide within 1 year whether sane or insane from commencement/ reinstatement of the policy. |
| Waiting Period | 90 days in case of section 2 (life cover) beginning from the inception of the policy (except for accidental death) |
| General Exclusions | Naturopathy treatmentNon allopathic treatmentCosmetic, beauty, weight reduction and other likely treatments.War, participation in any criminal activity or any other related condition |
| Annual Premium Option for those under Section 1 (Health Insurance) | |||||||||
| Age (in years) | Sum Insured (in Rs) | ||||||||
| 1 lakh | 1.50 lakh | 2 lakh | 2.50 lakh | 3 lakh | 3.50 lakh | 4 lakh | 5 lakh | ||
| 5mths-35 | 1200 | 1800 | 2350 | 2800 | 3300 | 3750 | 4200 | 4900 | |
| 36-45 | 1350 | 2000 | 2600 | 3150 | 3650 | 4150 | 4500 | 5400 | |
| 46-55 | 2447 | 3400 | 4583 | 5548 | 6170 | 7408 | 8700 | 10700 | |
| 56-60 | 3000 | 4200 | 5300 | 7200 | 8200 | 10196 | 11451 | 13958 | |
| Indicative premium; exclusive of service tax | |||||||||
| Annual Premium Option for those under Section 2 (Term Life Cover) | ||||
| Sum Insured (in Rs) | ||||
| Age (in years) | 1 lakh | 1 lakh | 1 lakh | |
| for those with standard age proof | ||||
| 18-35 | 900 | 1300 | 1800 | |
| 36-45 | 1100 | 1900 | 2700 | |
| 46-50 | 1400 | 2400 | 3500 | |
| for those with non standard age proof | ||||
| 18-35 | 1000 | 1600 | 2300 | |
| 36-45 | 1400 | 2400 | 3500 | |
| 46-50 | 1700 | 3100 | 4400 | |
| Indicative premium; exclusive of service tax | ||||
