Mediclassic individual nandagopal 9994910202

STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITEDPERSONAL & CARING

S.V.NANDAGOPAL SENIOR SALES MANAGER STAR HEALTH & ALLIED INSURANCE CO.LTD

THANKS FOR OPPORTUNITY TO SERVE

WE ARE ONE OF THE LEADING INSURANCE & INVESTMENT

CONSULTANT IN COIMBATORE SINCE 2000MOBILE

99949 10202, 94431 86864,83000 20102Email [email protected],[email protected]

www.licnanda.blogspot.com

mailto:[email protected],[email protected]


MediclassicIndividual


Hospitalization Expenses incurred as an inpatient for

Sickness / Illness Diseases Accidental injuries.

5 Months – 65 Yrs.

Dependent Children can be covered only with any one of their Parents

Life long renewals

Age Limit

Coverage


Sum InsuredThe following Sum Insured options are available:1,50,000

2,00,0003,00,0004,00,0005,00,00010,00,00015,00,000


HospitalizationPre hospitalizationPost hospitalizationDay care ProcedureAutomatic RestorationHealth Check upNon – allopathic treatment

Benefits

1 year term and 2 years’ term.5% discount on premium for full payment for 2 years’

term

Policy Period


Room rent & boarding charges @ 2% of the sum insured

up-to a maximum of Rs. 5,000/- per day inclusive ofnursing charges

Surgeons, Anesthetist, Consultants and Specialists fees

Operation Theatre charges, drugs and medicinesdiagnostic materials, cost of pace maker etc

Emergency Ambulance charges @ Rs 750/- per hospitalization and maximum of Rs 1,500/- per policy period

Allowable Expenses


Allowable ExpensesPre-hospitalization expenses incurred for a period

of 30days prior to the date of hospitalization

Post hospitalization expenses for a period of 60 days up

to 7% of the actual hospitalization expenses (excluding

room rent and hospital registration charges), subject to a

maximum of Rs. 5,000/-

Automatic RestorationIn the event of sum insured being exhausted within

thepolicy period, there is an automatic restoration of

200%of Sum insured.

However, the restored SI cannot be used for anytreatment pertaining to the claims made before therestoration.


Day Care Treatment.Minimum of 24 hours Hospitalization is not

necessary for 101 specified procedures.

The standard exclusions and waiting period are applicable to all of the specified day care procedure.

CATARACT Sub limit:

Up to Rs.200,000 SI Rs.12,000 for the entire policy period

Rs. 3 to Rs.5 lakh SI Rs.20,000 per eye subject to maximum of Rs.30,000 Per

policy periodRs. 5,00,000 and above Rs.30,000 per eye subject

to maximum of Rs.40,000 Per policy period


Health Check up ( For Sum insured of Rs.2 lac & above)Eligible block – 4 Claim free years1% of the average Sum Insured of the eligible blocksubject to maximum of Rs.5000/-This benefit is available for sum insured of Rs

200,000/and above.

Year Sum insured1 Rs.200,0002 Rs.200,0003 Rs.300,0004 Rs.300,000

Total SI Rs.10,00,000

Average SI Rs. 250,000

Health check up allowance is 1% of average SI - Rs.2500


Non Allopathic treatmentsTreatments taken as inpatient in non allopathic procedure is allowed up to Rs.25,000 in a policy year

Two year policyIf the policy is purchased for two years,

Premium is calculated according to age slab for two years and discount of 5% is allowed.

Co-Pay10% Co-pay on all admissible claims for fresh proposals above 60 years.


Pre Insurance Medical ExaminationFor persons with adverse medical history and

For all persons above 50 years of age.

Acceptance subject to Medical Officers’ Opinion.

Examination at Company’s Cost.

Declined RisksProposals from persons who have suffered or are

suffering from Heart Disease, Cancer, Renal Problems, Stroke and BMI above 35 are not acceptable.


Add on Covers. The following Optional benefits can be availed on

payment of Additional Premium

Hospital Cash : Cash benefit of Rs. 1000/- for each and every completed

day of Hospitalisation subject to a maximum of 7 days per occurrence and 14 days per policy period.

Date of admission and date of discharge will not be taken into account for the benefit.

PremiumRs.350 + service tax per person


Patient Care

Applicable for persons aged above 60 Years

The cost incurred for engaging one attendant at residence after discharge from the hospital of the Insured Person following a covered occurrence under the policy up to Rs. 400 per day for a maximum of 5 days per occurrence subject to maximum of 14 days per policy period.

Benefit not payable for the first day

Provided engagement of such an attendant is recommended by the attending physician and agreed to by the Company, in writing

Premium –Rs.580+ Service tax per person


Mediclassic Family PackageApplicable for persons aged up to 45 yearsFamily size covered is 2A + 2CSum insured Options – Rs.200,000 & Rs.300,000SI is equally apportioned amongst insured personsHealth check up cost is divided amongst

the insured persons.No automatic restorationNo add on coversBeyond 45 years, insured has to migrate to

Mediclassic

individual or FHO


ExclusionsTreatments Payable after first two years of insurance cover

Cataract, Glaucoma, Retinal detachment/ maculardegeneration, PIVD(other than caused by accident), Varicose veins and varicose ulcers, Benign prostatic Hypertrophy, Hydrocele, Deviated Nasal septum, Sinusitis, Tonsillitis, Nasal polyps, Chronic Supparative Otitis Media and related

disorders,Stapedectomy, Hernia, Fistula/Fissure in ano and hemorrhoidsCongenital internal disease/defects


All treatments -conservative, interventional, laparoscopic and open for

Hepatobillary gall bladder / pancreatic calculi and genitourinary calculiUterine prolapse, Dysfunctional Uterine Bleeding,Fibroids, Pelvic Inflammatory Diseases, all diseases of fallopian tubes and ovaries.

Exclusions


Conservative and operative treatment of joint diseases

[other than caused by accident] All types of joint replacement (other than caused by accident) Degenerative disc and vertebral diseases degenerative diseases of the musculo-skeletal

system All PED covered after 48 months of continuous

coveragewith STAR. Any disease contracted by the insured person

during thefirst 30 days from the commencement date of the

policyAll other permanent exclusions remain the same.

Exclusions

STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITEDPERSONAL & CARINGFHO-rev2014/cpu/ver1.4/16 Oct 2014 18

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CORPORATE INSURANCE NEEDS


Health & Medicine

Mediclassic individual nandagopal 9994910202