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STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITEDPERSONAL & CARING
S.V.NANDAGOPAL SENIOR SALES MANAGER
THANKS FOR OPPORTUNITY TO SERVE
MOBILE
99949 10202 , 94431 86864 , 83000 20102
www.licnanda.blogspot.com
[email protected] , [email protected]
வருமுன்னர்க்காவாதான்வாழ்க்கைகஎரிமுன்னர்
கைவத்தூறுப�ாலக்கெகடும். திருக்குறள்
STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITEDPERSONAL & CARING
Star Super Surplus
STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITEDPERSONAL & CARING
Major Product Features
Wider coverage option of Rs. 7 Lacs and Rs. 10 Lacs for individual
Family floater coverage for Rs. 10 lacs
Low Premium
Deductible
This insurance will pay for the hospitalisation expenses, as per detailed policy terms, in excess of Rs. 3,00,000/- and Rs.5,00,000/- respectively. This limit is for each hospitalisation.
For arriving at the cost per hospitalisation the expenses incurred on pre hospitalisation are to be excluded
STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITEDPERSONAL & CARING
Age Limits..
5 Months – 65 Years (entry age)
Life long Renewals
Pre - Insurance Medical Test No Pre – Insurance Medical Test is required
Pre Existing Disease is covered after three continuous years of renewal with the company.
STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITEDPERSONAL & CARING
Premium Rating
Sl.No. SchemeSum Insured
(Rs.)Deductible
(Rs.)
Premium (in Rs.
excluding Service Tax)
1. Individual 7,00,000/- 3,00,000/- 3309/-
2. Individual 10,00,000/- 3,00,000/- 4412/-
3. Individual 10,00,000/- 5,00,000/- 3640/-
4. Family Floater 10,00,000/- 3,00,000/- 6287/-
5. Family Floater 10,00,000/- 5,00,000/- 4743/-
STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITEDPERSONAL & CARING
Coverages..
Hospitalization Expenses incurred as an inpatient for
Sickness/Illness/Diseases Accidental injuries
Family Size: 2A + 2C
STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITEDPERSONAL & CARING
Allowable Expenses..
Room rent & boarding charges subject to a maximum of Rs.4,000/- per day
ICU expenses
Nursing charges
Surgeons, Anesthetist, Medical Practitioner, Consultants, Specialists fees
Anaesthesia, Blood, Oxygen, Operation Theatre charges, Surgical Appliances, Medicines and Drugs, Diagnostic Materials and X-ray Dialysis, Chemotheraphy, Radiotherapy, Cost of Pacemaker and similar expenses
STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITEDPERSONAL & CARING
Post hospitalization expenses on a lump-sum basis @ 7% of the actual
hospitalization expenses (excluding room rent and hospital registration
charges), subject to a maximum of Rs. 30,000/-.
Note: The policy does not cover Pre Hospitalisation expenses
Allowable Expenses..
STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITEDPERSONAL & CARING
Scenario 1
Sum Insured claim amount Status
10 lacs with 3 lacs deductibles
1st claim 2 lacs Not settled
2nd claim 6 lacs 3 Lac settled Balance 7 lacs
3rd claim 10lacs
7 lacs settled Nil
Only Super Surplus.No Base policy
Policy period 2014-2015
STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITEDPERSONAL & CARING
Scenario II• Policy period June 2012-2013
Sum Insured(Medi Classic)
Sum Insured (Super Surplus)
Claim Amount Status
3 lacs 7 lacs with 3 lacs deductibles
First claim amount 5 lacs
*3 lacs from Mediclassic & 2 lacs from Super Surplus
Nil 2nd claim amount 5 lacs
2 lacs to be settled from Super Surplus
Nil 3rd claim 10 lacs 3 lacs to be settled from Super Surplus
Medi Classic &Super Surplus
*Terms & Conditions of the respective product
will be applied while settling the claim.
STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITEDPERSONAL & CARING
Premium Rating
Sl.No. SchemeSum Insured
(Rs.)Deductible
(Rs.)
Premium (in Rs.
excluding Service Tax)
1. Individual 7,00,000/- 3,00,000/- 3309/-
2. Individual 10,00,000/- 3,00,000/- 4412/-
3. Individual 10,00,000/- 5,00,000/- 3640/-
4. Family Floater 10,00,000/- 3,00,000/- 6287/-
5. Family Floater 10,00,000/- 5,00,000/- 4743/-
STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITEDPERSONAL & CARING
Exclusions..
Any Disease contracted during first 30 days No First Year Exclusion No Day CareProcedure First Two Years Exclusions
Knee Replacement Surgery Joint Replacement Surgery
Expenses for Non Allopathic treatment
Other Benefits
Benefits under Section 80-D of the IT Act
Cashless Service without intervention of TPA
Direct Tie up with hospitals on an All India Basis
STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITEDPERSONAL & CARINGFHO-rev2014/cpu/ver1.4/16 Oct 2014 13
• ALSO WE PROVIDE • LIFE INSURANCE• HEALTH INSURANCE• CHILD FUTURE PLANS• TAX SAVING & PLANNING• PAN CARD & PASSPORT • MOTOR VEHICLE INSURANCE• IMPORT & EXPORT INSURANCE• INDIVIDUAL,FAMILY,GROUP &
CORPORATE INSURANCE NEEDS
STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITEDPERSONAL & CARING