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 Family Floater Family Floater Family Size : 2A + 3C Family Size : 2A + 3C Age At Entry : 5months to 65 years Age At Entry : 5months to 65 years RENEWALS GUARANEED TILL LIFELONG. No Cap on Room Rent. No Cap on Room Rent. No Sub limits on any Hospitalization Expenses including Day Care Procedures. No Sub limits on any Hospitalization Expenses including Day Care Procedures. Pre hospitalization up to 30 days & Post hospitalization expenses can be claimed up to 60 days on actual basis. Pre hospitalization up to 30 days & Post hospitalization expenses can be claimed up to 60 days on actual basis. ( All bills, receipts, reports, Prescription to be submitted). ( All bills, receipts, reports, Prescription to be submitted). Allowable Expenses…

STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED PERSONAL & CARING STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED PERSONAL & CARING Star Comprehensive Insurance Policy Sum Insured (Rs.) Ambulance Charges Per Policy Period (Rs.) 5 Lakhs Lakhs Lakhs Lakhs Lakhs Lakhs 5000 Ambulance Charges

STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED PERSONAL & CARING STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED PERSONAL & CARING What is Hospital Cash? Can be termed as incidental Expenses (say Auto Expenses, food, lodging boarding etc for the attendee) Do I need to submit any bills ? No….. How do I claim Hospital Cash? Will be paid as a reimbursement Hospital Cash…

STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED PERSONAL & CARING STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED PERSONAL & CARING Per hospitalization : 7 days Per hospitalization : 7 days Per policy Period : 120 days Per policy Period : 120 days To be paid only in case of Inpatient Treatment. To be paid only in case of Inpatient Treatment. Time Excess : One day Sum Insured (Rs.) Limits per day (Rs.) 5 Lakhs Lakhs – 10 Lakhs Lakhs – 20 Lakhs Lakhs 1500 Hospital Cash…

STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED PERSONAL & CARING STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED PERSONAL & CARING Star Comprehensive Insurance Policy Sum Insured Options… Entry (61 – 65) SI restricted to 5 lacs/7.50 lacs Maximum during lifetime. Sum Insured (Rs.) 5 Lakhs 7.50Lakhs 10 Lakhs 15 Lakhs20 Lakhs25 Lakhs

STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED PERSONAL & CARING STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED PERSONAL & CARING Delivery Benefit Limits Sum Insured (Rs.) Normal Delivery (Rs.) Caesarean Section Delivery (Rs.) 5 Lakhs 10,00015, Lakhs 20,00040, Lakhs -25 Lakhs 25,00040,000 Waiting period 36 months Delivery and New Born Baby Cover..  Maximum 2 deliveries. Waiting period between the first delivery claim and the second one is 24 months.

STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED PERSONAL & CARING STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED PERSONAL & CARING Can I claim for room rent, doctor fees over above the delivery charges? No…It’s a package and nothing extra is payable is over and above what is shown as Delivery Charges. This package also includes pre and post Natal Check Up. No loading is applicable for Delivery & New Born Baby cover. Delivery charges..

STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED PERSONAL & CARING STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED PERSONAL & CARING For Sum Insured (Rs.) Limit of Coverage (Rs.) 5,00,000/-50,000/- 7,50,000/- & above 1,00,000/- Delivery and New Born Baby Cover..  New Born Baby Coverage for the remaining policy period  Vaccination expenses up to Rs 1000/- incurred on the new born baby.  Subject to Valid claim for Delivery.  Covers congenital defects both internal and external. Both these claims are over and above the Sum Insured.

STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED PERSONAL & CARING STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED PERSONAL & CARING  Baby is born when there are two months left for renewal.  For two months the baby is covered for 50K for any impatient treatment.  On renewal, the policy is renewed for 5 lacs and the child, although less than 5 months, which is the entry age, assumes the main SI and is covered for all congenital internal as well as external disease also. Benefit illustration : SI : 5 lacs : Family size 2A New Born Baby Cover..

STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED PERSONAL & CARING STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED PERSONAL & CARING Outpatient Claim Dental/Ophthalmic Sum Insured (Rs.) Amount payable subject to production of Prescription & Supporting Bills 5,00,000/- & 7,50,000/-Up to Rs.5,000/- 10,00,000/- & aboveUpto Rs.10,000/- Waiting period 36 months Payable after every block of 36 months

STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED PERSONAL & CARING STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED PERSONAL & CARING Outpatient Claim - Dental/Ophthalmic For What all Treatments ? For What all Treatments ? Dental : Gingivectomy, Root Canal, Braces, Teeth whitening, Cavity etc. Dental : Gingivectomy, Root Canal, Braces, Teeth whitening, Cavity etc. Ophthalmic : Eye check up, Contact Lens and Spectacles etc… Ophthalmic : Eye check up, Contact Lens and Spectacles etc….. No loading for this claim. Is over and above the Sum Insured.

STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED PERSONAL & CARING STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED PERSONAL & CARING  Cost of Health Check-up to the limits specified after a block of 3 Claim free years of continuous coverage  Benefit payable for insured persons who have been continuously insured under the policy. Sum Insured (Rs.) Limits (Rs.) on submission of bills / receipts / report copies 5 Lakhs 5,000/- 7.5 Lakhs – 10 Lakhs 7,500/- 15 Lakhs – 25 Lakhs 12,000/- Cost of Health Check-up..

STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED PERSONAL & CARING STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED PERSONAL & CARING Restoration of Sum Insured Automatically upto 100% of Sum Insured on exhaustion of Full Sum Insured. Restoration of Sum Insured Automatically upto 100% of Sum Insured on exhaustion of Full Sum Insured. No Extra premium to be charged. No Extra premium to be charged. Restored amount cannot be used for the same disease for which the Basic Sum Insured has been used. Restored amount cannot be used for the same disease for which the Basic Sum Insured has been used. Automatic Restoration of Sum Insured.. Benefit illustrations Family size 2A, Sum Insured 5 lacs. 4 th year of the policy period. 1 st claim 6 lacs. Claim settled for 5 lacs. Claim for Delivery & New Born Baby Cover 10K + 50 K Claim for Dental/ OpthalRs.5k 2 nd claim for inpatient treatment Rs.1 lac.

STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED PERSONAL & CARING STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED PERSONAL & CARING  1st Inpatient claim settled for 5 lakhs.  Claim for Delivery, New Born Baby cover, Dental/Ophthalmic (Rs.65K) will be still settled even if the main SI is already exhausted in the first inpatient claim.  For the 2 nd inpatient claim, Automatic Restoration SI will be utilised. Benefit illustrations

STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED PERSONAL & CARING STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED PERSONAL & CARING Waiting period of two years for certain diseases

STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED PERSONAL & CARING STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED PERSONAL & CARING No claim Bonus..  The insured would be entitled to benefit of bonus over and above the basic sum insured following a claim free year as per the table given below.  The maximum bonus under the policy will not be more than 100% of the sum insured under any circumstances.

STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED PERSONAL & CARING STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED PERSONAL & CARING No claim Bonus.. No Claim Bonus Provision Where the sum insured under the policy is Rs.5,00,000/-, the insured person would be entitled to the benefit of bonus calculated at 50% of the basic sum insured under this policy following a claim free year up to a maximum of 100%. In case a claim is made during the policy period, the bonus will be reduced by 50% in the following year. If there is a claim in the succeeding year also the bonus will become zero. The basic sum insured will however not be reduced. Where the sum insured under the policy is Rs.7,50,000/-, or Rs.10,00,000/- or Rs. 15,00,000/- or Rs.20,00,000/- or Rs.25,00,000/-, the insured person would be entitled to the benefit of bonus calculated at 100% of the basic sum insured under this policy following a claim free year. In case a claim is made during the policy period, the bonus will become zero in the following year. The maximum allowable bonus is 100%

STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED PERSONAL & CARING STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED PERSONAL & CARING  10% co-payment for persons entering between 61 yrs and 65 yrs and continues thereafter  Co-payment applicable only for Section I claims  All other exclusions remain unchanged. Co-payment.. Health is Wealth Enhance your Wealth

STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED PERSONAL & CARING STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED PERSONAL & CARING Star Comprehensive Insurance Policy Star Comprehensive Premium less by 1% to 9%Premium less by 1% to 9% Automatic Restoration of 100% of Sum InsuredAutomatic Restoration of 100% of Sum Insured Appollo Easy Health More expensive than StarMore expensive than Star No Restoration facilityNo Restoration facility Star Comprehensive v/s Apollo’s Easy Health

STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED PERSONAL & CARING STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED PERSONAL & CARING Claim under Delivery and New Born Baby Cover Claim under Delivery and New Born Baby Cover: Sum Insured for the 1 st year- Rs. 5,00,000/- Sum Insured for the 2 nd Year -Rs. 7,50,000/- Sum Insured for the 3 rd year -Rs. 7,50,000/- Sum Insured for the 4 th Year -Rs. 5,00,000/-  A claim is made in the 4th year  The eligibility will be as per 5 lakh Sum Insured i.e. Rs 10,000/- for Normal and Rs 15,000/- for Caesarean delivery.  Rs 50,000/- for New Born Baby  Rs 1,000/- for Vaccination  The limit is inclusive of pre-natal and post-natal expenses Star Comprehensive Insurance Policy Benefit Illustration - I

STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED PERSONAL & CARING STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED PERSONAL & CARING Claim for Health Check Up Sum Insured for the 1 st year- Rs. 5,00,000/- Sum Insured for the 2 nd Year -Rs. 7,50,000/- Sum Insured for the 3 rd year -Rs. 7,50,000/- Sum Insured for the 4 th Year-Rs. 10,00,000/- Benefits of Health Check Up will be as per Rs 10 lakhs i.e upto Rs 7,500/- Star Comprehensive Insurance Policy Benefit Illustration - II

STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED PERSONAL & CARING STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED PERSONAL & CARING Claim for OP treatment for Dental /Opthal Sum Insured for the 1 st year- Rs. 5 lacs Sum Insured for the 2 nd Year -Rs lacs Sum Insured for the 3 rd year -Rs lacs Sum Insured for the 4 th Year -Rs. 10 lacs Benefit under this section in the fourth year will be as per Rs 10 Lakh SI which will be Rs 10000/- Star Comprehensive Insurance Policy Benefit Illustration - III Admission for Arthroscopic Repair during the 3 year. Sum Insured for 1st Year -Rs. 5 lakhs Sum Insured for 2 nd Year -Rs Lakhs Sum Insured Limit for the above treatment will be Rs 5 Lakhs/- (Refer Exclusion 3) Benefit Illustration - IV

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