STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED PERSONAL & CARING STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED PERSONAL & CARING

STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED PERSONAL & CARING STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED PERSONAL & CARING Flat premium of only Rs. 15,000/- including service tax Flat premium of only Rs. 15,000/- including service tax Coverage for both inpatient and outpatient treatment Coverage for both inpatient and outpatient treatment Policy can be given for both individual and family floater basis. Policy can be given for both individual and family floater basis. Any unutilised amount under outpatient benefit can be carried forward to the next one year Any unutilised amount under outpatient benefit can be carried forward to the next one year Major Product Features.. Coverages.. Section – I Hospitalization Expenses incurred as an inpatient for Sickness/Illness/Diseases Sickness/Illness/Diseases Accidental injuries Accidental injuries Section – II Hospitalization Expenses incurred at any Hospital / Nursing Home as an outpatient.

STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED PERSONAL & CARING STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED PERSONAL & CARING 5 Months – 65 Yrs 5 Months – 65 Yrs Life long Renewal Life long Renewal Dependent Children can be covered only with any one of their Parents Dependent Children can be covered only with any one of their Parents Age Limits.. Family Size.. Proposer Proposer Spouse Spouse Dependent Children Dependent Children

STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED PERSONAL & CARING STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED PERSONAL & CARING For persons with adverse medical history and For persons with adverse medical history and For all persons above 50 years, acceptance subject to Medical Examination at Companys Cost. For all persons above 50 years, acceptance subject to Medical Examination at Companys Cost. Pre - Insurance Medical Test Sum Insured.. Minimum Sum Insured - Rs. 1,00,000/- Minimum Sum Insured - Rs. 1,00,000/- Maximum Sum Insured - Rs. 5,00,000/- Maximum Sum Insured - Rs. 5,00,000/- The following Sum Insured options are available The following Sum Insured options are available Rs. 1,00,000/- Rs. 1,00,000/- Rs. 2,00,000/- Rs. 2,00,000/- Rs. 3,00,000/- Rs. 3,00,000/- Rs. 4,00,000/- Rs. 4,00,000/- Rs. 5,00,000/- Rs. 5,00,000/-

STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED PERSONAL & CARING STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED PERSONAL & CARING 1.Room rent & boarding charges as follows Class A Cities – 2% of the Sum Insured subject to a maximum of Rs. 5,000/- per day (Ahmedabad, Bangalore, Chennai, Hyderabad, Kolkatta, Mumbai including Thane, Pune, New Delhi and Secunderabad) Class A Cities – 2% of the Sum Insured subject to a maximum of Rs. 5,000/- per day (Ahmedabad, Bangalore, Chennai, Hyderabad, Kolkatta, Mumbai including Thane, Pune, New Delhi and Secunderabad) Class B Cities – 1% of the Sum Insured subject to a maximum of Rs. 3,000/- per day (Baroda, Coimbatore, Surat, Meerut and all State Capitals other than those falling under Class A) Class B Cities – 1% of the Sum Insured subject to a maximum of Rs. 3,000/- per day (Baroda, Coimbatore, Surat, Meerut and all State Capitals other than those falling under Class A) Class C Cities – 1 % of the Sum Insured subject to a maximum of Rs. 1,000/- per day (Other Cities) Class C Cities – 1 % of the Sum Insured subject to a maximum of Rs. 1,000/- per day (Other Cities) 2.Nursing charges Allowable Expenses… Section - I

STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED PERSONAL & CARING STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED PERSONAL & CARING Anesthesia, Blood, Oxygen,Operation Theatre charges, medicines and drugs, diagnostic materials, cost of pace maker Anesthesia, Blood, Oxygen,Operation Theatre charges, medicines and drugs, diagnostic materials, cost of pace maker Emergency Ambulance charges to go to Hospital for Rs 750/- per hospitalisation upto maximum of Rs 1,500/- per policy period Emergency Ambulance charges to go to Hospital for Rs 750/- per hospitalisation upto maximum of Rs 1,500/- per policy period Pre-hospitalization expenses incurred 30 days prior to the date of hospitalization Pre-hospitalization expenses incurred 30 days prior to the date of hospitalization Post hospitalization expenses on a lump-sum 7% of the actual hospitalization expenses (excluding room rent and hospital registration charges), subject to a maximum of Rs 5,000/- Post hospitalization expenses on a lump-sum 7% of the actual hospitalization expenses (excluding room rent and hospital registration charges), subject to a maximum of Rs 5,000/- Allowable Expenses… Section - I

STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED PERSONAL & CARING STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED PERSONAL & CARING Name of the Ailment / Surgery / Procedure Sub Limit Cataract surgery Rs. 15,000/- in the entire policy period Sub limits…

STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED PERSONAL & CARING STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED PERSONAL & CARING Expenses on Hospitalization for minimum period of 24 hours are admissible. However, this time limit will not apply for taken in the Hospital / Nursing Home and the Insured is discharged on the same day. No limits for the above Day care procedures except Cataract surgery No limits for the above Day care procedures except Cataract surgery Day Care Treatment..

STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED PERSONAL & CARING STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED PERSONAL & CARING Medical expenses incurred at any Hospital / Nursing Home as an Out Patient. Medical expenses incurred at any Hospital / Nursing Home as an Out Patient. Maternity expenses as Out Patient Maternity expenses as Out Patient Dental treatment as Out Patient Dental treatment as Out Patient Unutilised benefit under this section can be carried forwarded to the next year on renewal Unutilised benefit under this section can be carried forwarded to the next year on renewal The maximum period of such carry over shall be limited to one immediately succeeding year only. The maximum period of such carry over shall be limited to one immediately succeeding year only. Allowable Expenses… Section - II

STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED PERSONAL & CARING STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED PERSONAL & CARING Limit of Outpatient benefits for individual Sum insured for IP(Rs) m-45 years years NA years NA IP – Inpatient NA – Not Available

STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED PERSONAL & CARING STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED PERSONAL & CARING Limit of Outpatient benefits for family floater Sum insured for IP(Rs) Age A5mths-35yrs y-45yrs yrsNA NA 56-60yrsNA NANA 1A+1C5mths-35yrs y-45yrs yrsNA NA 56-60yrsNA NANA 1A+2C5mths-35yrs y-45yrs yrsNA NA 56-60yrsNA NANA 1A+3C5mths-35yrs y-45yrs yrsNA NANA 56-60yrsNA NANA A- Adult C- Child IP- Inpatient OP- Outpatient NA- Not Available (policy cannot be given)

STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED PERSONAL & CARING STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED PERSONAL & CARING A- Adult C- Child IP- Inpatient OP- Outpatient NA- Not Available policy cannot be given Limit of Outpatient benefits for family floater

STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED PERSONAL & CARING STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED PERSONAL & CARING Renewal Discount.. Renewal Discount on Basic Premium is allowed on renewal for every Claim Free Year as per chart Renewal Discount on Basic Premium is allowed on renewal for every Claim Free Year as per chart It is not Cumulative It is not Cumulative No Claim Discount for Individual basis

STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED PERSONAL & CARING STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED PERSONAL & CARING No Claim Discount for Family Floater basis

STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED PERSONAL & CARING STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED PERSONAL & CARING FAMILY COVER ON Floater Basis (FAMILY SIZE) Sum Insured in Rupees Adult + 3 Child Discount in Rupees 5 Months – 35 Years Years – 45 Years Years – 55 Years NA572763NANA 56 Years – 60 Years NA NANA 2 Adult + 1 Child 5 Months – 35 Years Years – 45 Years Years – 55 Years NA593787NANA 56 Years – 60 Years NA NANA 2 Adult + 2 Child 5 Months – 35 Years Years – 45 Years Years – 55 Years NA645840NANA 56 Years – 60 Years NA NANA 2 Adult + 3 Child 5 Months – 35 Years Years – 45 Years Years – 55 Years NA680871NANA 56 Years – 60 Years NA NANA No Claim Discount for Family Floater basis

STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED PERSONAL & CARING STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED PERSONAL & CARING Benefits under Section 80-D of the IT Act Benefits under Section 80-D of the IT Act Cashless Service without intervention of TPA Cashless Service without intervention of TPA Direct Tie up with hospitals on an All India Basis Direct Tie up with hospitals on an All India Basis Other Benefits: Exclusions.. 48 months exclusion for Pre Existing Diseases (as per GIC council) 48 months exclusion for Pre Existing Diseases (as per GIC council) Any Disease contracted during first 30 days Any Disease contracted during first 30 days First Year Exclusions First Year Exclusions Benign prostate hypertrophy Benign prostate hypertrophy Hernia, Hydrocele, Fistula in Anus, Piles Hernia, Hydrocele, Fistula in Anus, Piles Sinusitis Sinusitis Renal stone and Gall stone removal Renal stone and Gall stone removal Congenital internal disease/defect Congenital internal disease/defect

STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED PERSONAL & CARING STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED PERSONAL & CARING First Two Years Exclusions First Two Years Exclusions Cataract Cataract hysterectomy following menorrhia or fibromyoma hysterectomy following menorrhia or fibromyoma Knee Replacement Surgery Knee Replacement Surgery Joint Replacement Surgery Joint Replacement Surgery Prolapse of intervertibral Prolapse of intervertibral Vericose veins/ulcers Vericose veins/ulcers Naturopathy Treatment Naturopathy Treatment Expenses incurred on Non Allopathic Treatment. Expenses incurred on Non Allopathic Treatment. Exclusions..