| Eligibility |
|
| Entry Age (years) |
|
| Minimum |
5 months
|
| Maximum |
65
|
| Maximum Policy Renewal Age (years) |
65
|
| Coverage Type |
Family floater
|
| Sum Insured (Rs) |
|
| Maximum |
15 lakh
|
| Minimum |
1 lakh
|
| Policy Term (years) |
1
|
| Tax Benefit |
Premium paid is eligible for tax benefit under section 80D of the Income Tax Act
|
| No Claim Bonus |
5% to 35% in event of a claim free year
|
| Pre Policy Medical Check Up |
Required for person above 45 years of age at company's cost
|
| Grace Period for Policy Renewal |
15 days
|
| Policy Termination |
Insurer may cancel the policy by giving a 30 days notice. The policyholder is allowed to cancel the policy too by giving a 30 day notice. The company shall refund a part of premium on basis of elapsed policy period provided no claim has been made during such period
|
| 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 2255/ / 044 2826 3300
|
| SMS |
STAR to 56677
|
| Exclusions and Waiting Period |
| Automatic Restoration of Sum Insured | Restored Sum Insured can be utilized for illness/disease unrelated to the illness/diseases for which claim's was/were made. |
| Pre existing diseases | covered after 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 and Varicose ulcers etc shall be covered after a waiting period of 2 year.Certain diseases such as hernia, piles, sinusitis and related disorders etc. will be covered after a period of 1 year. |
| Copayment | 20% of each and every admissible claim for person aged between 61 to 65 years at entry level |
| General Exclusions | Naturopathy treatment and any treatment other than allopathyCosmetic, beauty or slimming treatment |
| Scope of Cover |
| Cashless facility | Available at empanelled hospitals in India |
| Re-imbursement | Available at non empanelled network of hospitals |
| Pre hospitalisation | Covered; upto maximum of 30 days prior to hospitalisation |
| Post Hospitalisation | lumpsum calculated at 7% of the hospitalization expenses (excluding room charges) subject to a maximum of Rs.5,000 |
| In-patient hospitalisation | Covered |
| Room rent, boarding and nursing expenses | 2% of sum insured,subject to a maximum of Rs.5000/- per day in Class A cities and 1% of Sum Insured upto a maximum of Rs 3000 per day in Class B cities and 1% of Sum Insured subject to a amximum of Rs 1000 per day in other cities |
| Surgeon's fees, Consultant's fees, Anaesthetist's and Specialist's fees, Cost of medicines and drugs | Covered |
| Emergency Ambulance | Rs 750 per hospitalisation upto maximum of Rs 1500 per policy period |
| Day Care Procedures | covers 101 procedures |
| Cataract Treatment | Rs 12000 per policy perisod for Sum Insured upto Rs 2 lakhRs 20000 in respect of one eye and Rs30000 for entire policy period for Sum Insured ranging between Rs 3 lakh to Rs 5 lakhRs 30000 in respect of one eye and Rs 40000 for the entire policy period for Sum Insured above Rs 5 lakh |
