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 Why Unique? This policy is Unique because it covers Certain Pre-Existing diseases as well as any future ailments – all under one policy This policy is Unique because it covers Certain Pre-Existing diseases as well as any future ailments – all under one policy  Pre Existing Diseases (other than those for which specific time periods have been mentioned separately) covered after complete of 11 months  The policy provides coverage to HIV positive persons.  Premium payable in installments  No pre acceptance medical examination Major Features..

STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED PERSONAL & CARING STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED PERSONAL & CARING Coverages.. Hospitalization Expenses incurred as an inpatient for  Sickness/Illness/Diseases  Accidental injuries Pre Existing Disease..  Pre-Existing Disease/ Condition will be covered after 11 months of continuous coverage  Does this mean that any PED is covered after 11 months?  No – only certain diseases that are Pre-Existing

STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED PERSONAL & CARING STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED PERSONAL & CARING Coverage for HIV positive persons  The policy extends coverage to HIV positive persons.  Minimum CD 4 count at entry level should be 350  Opportunistic infections (eg : Tuberculosis, Gastroenterology, etc) not covered  Expenses for treatment of HIV / AIDS not covered

STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED PERSONAL & CARING STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED PERSONAL & CARING Period of Insurance..  The policy is for a two year period.  Even renewal will be for a two year period  Advantages are : Customer retention Claims loading, if applicable will happen only once in two years  However, Sum insured will be available afresh for each year.  For example if a person opts for a SI of Rs. 2 lacs – it means it is 2 lacs for first yr and 2 lacs for the second yr.  However sum insured cannot be cumulated or carried forward

STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED PERSONAL & CARING STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED PERSONAL & CARING Installment Premium.. The premium can be paid in 2 annual installments. The premium can be paid in 2 annual installments. The grace period of 15 days for benefit of continuity will be available for instalment premium also. However, the expiry date of the policy will not change. The grace period of 15 days for benefit of continuity will be available for instalment premium also. However, the expiry date of the policy will not change. Where a claim is made in the first year itself the premium towards the next installment would be deducted from the claim amount. Where a claim is made in the first year itself the premium towards the next installment would be deducted from the claim amount. The policy would lapse if the installment is not paid on or before the due date. The policy would lapse if the installment is not paid on or before the due date.

STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED PERSONAL & CARING STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED PERSONAL & CARING Age Limits..  Entry age 18 Years to 65 Years  Life long renewals Sum Insured  The following Sum Insured options are available Sum Insured Options (Rs) Sub-limit for PED Cover (Rs) Note : The sum insured is for each year of insurance and cannot be cumulated or carried forward

STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED PERSONAL & CARING STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED PERSONAL & CARING Allowable Expenses..  Room rent, nursing & boarding 1% of the sum insured subject to a maximum of Rs. 3000/- per day.  Surgeons, Anesthetist, Consultants and Specialists fees  Operation Theatre charges, drugs and medicines diagnostic materials, cost of pace maker etc  Emergency Ambulance charges to go to Hospital for Rs 750/- per hospitalisation up to a maximum of Rs 1,500/- per policy period  Pre-hospitalization expenses incurred for a period of 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/-

STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED PERSONAL & CARING STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED PERSONAL & CARING Day Care Treatment.. Minimum of 24 hours Hospitalization is not necessary for the following Dialysis Dialysis Chemotherapy Chemotherapy Radiotherapy Radiotherapy Cataract surgery Cataract surgery Dental Surgery following accident Dental Surgery following accident Lithotripsy Lithotripsy Tonsillectomy Tonsillectomy Treatment of Fracture/Dislocation Treatment of Fracture/Dislocation Incision and Draining of Abscess Incision and Draining of Abscess Liver Aspiration Liver Aspiration Pleural Effusion Aspiration Pleural Effusion Aspiration Colonoscopy Colonoscopy Sclerotheraphy Sclerotheraphy Tympanoplasty Tympanoplasty Chalazion Chalazion

STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED PERSONAL & CARING STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED PERSONAL & CARING Day-Care.. The above treatments shall be taken in the Hospital / Nursing Home and the Insured is discharged on the same day. The above treatments shall be taken in the Hospital / Nursing Home and the Insured is discharged on the same day.

STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED PERSONAL & CARING STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED PERSONAL & CARING Sub Limits.. Name of the Ailment / Surgery / Procedure Sub Limit Cataract surgery Rs. 12,000/- in respect of one eye and Rs. 24,000/- in the entire policy period Lithotripsy (Kidney stone removal) Rs. 20,000/- per policy year Tonsillectomy Rs. 15,000/- per policy year Incision and Draining of Superficial Abscess Rs. 1,500/- per policy year Incision and Draining of Deep seated Abscess Rs. 4,000/- per policy year Liver Aspiration Rs. 2,000/- per policy year Pleural Effusion Aspiration Rs. 2,000/- per policy year Sclerotheraphy Rs. 5,000/- per policy year Treatment of Fracture / Dislocation Rs. 2,000/- per policy year Chalazion Rs. 3,000/- per policy year Tympanoplasty Rs. 20,000/- per policy year Dialysis Rs. 1,200/- per sitting Note : Admissible claims for angiogram would be limited to Rs. 8000/- provided it is followed by a cardiac surgery.

STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED PERSONAL & CARING STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED PERSONAL & CARING Premium ….. approach We have introduced a dual pricing concept We have introduced a dual pricing concept - Delhi, Faridabad, Gurgaon, Mumbai, Bangalore, Ahmedabad will have a slightly higher premium - Delhi, Faridabad, Gurgaon, Mumbai, Bangalore, Ahmedabad will have a slightly higher premium Rest of India will have comparatively lower premium Rest of India will have comparatively lower premium

STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED PERSONAL & CARING STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED PERSONAL & CARING Annual Installment Premium Applicable for offices in Ahmedabad, Bangalore, Mumbai (including Thane) and New Delhi (including Faridabad, Gurgaon & Noida) Note : Premium figures are excluding Service Tax. Sum Insured Options (Rs) Sub-limit for PED Cover(Rs) Age 18yrs- 25yrs 26yrs- 40yrs 41yrs- 55yrs 56yrs- 60yrs 61yrs- 65yrs 66yrs- 70yrs

STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED PERSONAL & CARING STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED PERSONAL & CARING Annual Installment Premium Applicable for rest of India Note : Premium figures are excluding Service Tax. Sum Insured Options (Rs) Sub-limit for PED Cover (Rs) Age 18yrs- 25yrs 26yrs- 40yrs 41yrs- 55yrs 56yrs- 60yrs 61yrs- 65yrs 66yrs- 70yrs

STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED PERSONAL & CARING STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED PERSONAL & CARING Exclusions  Pre-Existing Disease/ Condition within 11 months of commencement of this insurance  Any Disease contracted during first 30 days  First Year Exclusions – Deviated Nasal Septum – Benign Prostate Hypertrophy – Nasal Polyps – Hernia – Hydrocele – Congenital Internal diseases/defects – Fistula in anus, Piles, Sinusitis, and related disorders – Post trauma non union / mal union – Cholecystectomy and Renal Calculi /Gall bladder calculi are not payable. If these diseases (other than congenital internal disease /defects) are Pre- Existing at the time of proposal they are payable after 24 months of continuous coverage with the Company. If these diseases (other than congenital internal disease /defects) are Pre- Existing at the time of proposal they are payable after 24 months of continuous coverage with the Company.

STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED PERSONAL & CARING STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED PERSONAL & CARING Exclusions (Contd.)  First Two Years Exclusions – Cataract, – Hysterectomy (abdominal and Vaginal), – Dysfunctional Uterine Bleeding (DUB) – Fibroid Uterus – Prolapsed Uterus – Myomectomy – Cystectomy – Treatment of Internal Derangement of Knee (other than caused by an accident) – Treatment for Joints (other than caused by an accident) – other Arthroscopic Surgeries

STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED PERSONAL & CARING STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED PERSONAL & CARING  First Two Years Exclusions (Contd.) 1.Inter-Vertebral Disc Prolapse (other than caused by accident) 2.Degenerative Vertebral and Disc diseases 3.Varicose veins and Varicose ulcers 4.Thyroiditis 5.Treatment of Goitre 6.Tympnoplasty 7.Mastoidectomy Glaucoma are not payable irrespective of whether they are Pre-Existing or not. Exclusions (Contd.)

STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED PERSONAL & CARING STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED PERSONAL & CARING  First Four Years Exclusions – Stapedectomy – Bone marrow transplant – Cirrhosis of liver with or without portal Hypertension – Hepatitis – Loss of vision partial / total including Retinopathy – Retinal Detachment – Macular degeneration and Papil Oedema – all types of Cancer – Nephropathy and Chronic Kidney diseases – Implant Removal The above shall not be payable during the first four years only if these are Pre Existing at the commencement of this insurance Exclusions (Contd.)

STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED PERSONAL & CARING STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED PERSONAL & CARING  30% on all claims including PED claims. This copayment would apply on the sub limit mentioned for PED claims  Non allopathic treatment is limited to 25% of the sum insured per occurrence subject to an overall limit of Rs /- for each year of insurance Exclusions (Contd.) Other Benefits  Benefits under Section 80-D of the IT Act  Cashless Service without involvement of TPA  Direct Tie up with hospitals on an All India Basis