Star Health and Allied Insurance Co. Ltd. Presentation on Star Super Surplus Presentation On Star Super Surplus

Star Health and Allied Insurance Co. Ltd. Presentation on Star Super Surplus Major Product Features Wider coverage option of Rs. 7 Lacs and Rs. 10 Lacs Low Premium

Star Health and Allied Insurance Co. Ltd. Presentation on Star Super Surplus Age Limits 5 Months – 60 Years (entry age) Renewals can be effected up to 75 years

Star Health and Allied Insurance Co. Ltd. Presentation on Star Super Surplus Pre - Insurance Medical Test No Pre – Insurance Medical Test is required

Star Health and Allied Insurance Co. Ltd. Presentation on Star Super Surplus Coverages Hospitalization Expenses incurred as an inpatient for Sickness/Illness/Diseases Accidental injuries

Star Health and Allied Insurance Co. Ltd. Presentation on Star Super Surplus What is a Hospital? Hospital, Nursing Home means any institution in India established for indoor care and treatment of sickness and injuries and which Either It has been registered with the local authorities and is under the supervision of a registered and qualified Medical Practitioner or Should comply with minimum criteria as under It should have at least 15 inpatient beds (10 in Class ‘C’ Towns). Fully equipped operation theatre of its own wherever surgical operation is carried out. Fully qualified nursing staff under its employment round the clock Fully qualified Doctor(s) should be in charge round the clock.

Star Health and Allied Insurance Co. Ltd. Presentation on Star Super Surplus Sum Insured The following Sum Insured options are available Rs. 7,00,000/- (Rs. 4,00,000/- in excess of Rs. 3,00,000/-) Rs. 10,00,000/- (Rs. 7,00,000/- in excess of Rs. 3,00,000/-) Compulsory Deductible – Rs. 3,00,000/- per claim

Star Health and Allied Insurance Co. Ltd. Presentation on Star Super Surplus Deductible This insurance will pay for the hospitalisation expenses, as per detailed policy terms, in excess of Rs. 3,00,000/-. This limit of Rs. 3,00,000/- 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 Co. Ltd. Presentation on Star Super Surplus 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

Star Health and Allied Insurance Co. Ltd. Presentation on Star Super Surplus Allowable Expenses (Contd.) 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 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. 30,000/-. Note: The policy does not cover Pre Hospitalisation expenses

Star Health and Allied Insurance Co. Ltd. Presentation on Star Super Surplus Premium Rating Sum Insured (Rs.)Premium including S. Tax (Rs.) 7,00,000/-3,309/- 10,00,000/-4,412/- 10,00,000/- family floater 6,287

Star Health and Allied Insurance Co. Ltd. Presentation on Star Super Surplus Exclusions Pre Existing Diseases Any Disease contracted during first 30 days First Two Years Exclusions Knee Replacement Surgery Joint Replacement Surgery Congenetial Disease whether internal or external Injury / Disease arising due to War, Invasion, Act of Foreign Enemy, Warlike operations

Star Health and Allied Insurance Co. Ltd. Presentation on Star Super Surplus Exclusions (Contd.) Circumcision unless necessary for treatment of a disease Cost of spectacles and contact lens, hearing aids, walkers, crutches wheel chairs and such other aids Dental treatment or surgery Convalescence, general debility, Run-down condition, rest cure, sterility, venereal disease, intentional self injury and use of intoxicating drugs/alcohol

Star Health and Allied Insurance Co. Ltd. Presentation on Star Super Surplus Exclusions (Contd.) Naturopathy Treatment Expenses incurred on Lasik Laser or Refractive Error Correction treatment Hospital registration charges, record charges, telephone charges and such other similar charges. Expenses for Non Allopathic treatment.

Star Health and Allied Insurance Co. Ltd. Presentation on Star Super Surplus Premium Rating incl. of Service Tax Medi Classic + Super Surplus AGE3 Lacs10 Lacs 5 Months to 35 Years Years to 45 Years Years to 55 Years Years to 65 Years Sum Insured = 10 Lacs ( )

Star Health and Allied Insurance Co. Ltd. Presentation on Star Super Surplus 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 24 X 7 In-House Call center ( ) Toll Free Telephone line assistance ( ) Full knowledge based website to offer medical information, including Health Tips. Frequent health meets to disseminate information on health related topics Doctor on Call (Free Consultation with Doctor on phone)

Star Health and Allied Insurance Co. Ltd. Presentation on Star Super Surplus Claim Procedure In case of Network Hospitals Immediate intimation to the Call Centre ( / ) The insured has to send a request for ‘Pre Authorization Form’ signed by the Doctor in the Network Hospital Based on the intimation a field visit will be done by the Star Doctor Pre Authorization will be issued to the Hospital Based on the Pre Authorization and the Report by the Star Doctor, Cash Less Treatment will be given by the Network Hospital

Star Health and Allied Insurance Co. Ltd. Presentation on Star Super Surplus 18 In case of Non Network Hospitals Immediate intimation to the Call Centre ( / ) Claim form will be sent to the Insured. Based on the intimation a field visit will be done by the Star Doctor Bills has to be settled by the Insured and will be reimbursed by Star on submitting the following documents Original Discharge Summary Main Hospital Bill with Break Up Investigation Reports with X-Ray Film Medical Bills with Prescriptions Claim Procedure (Contd.)

Star Health and Allied Insurance Co. Ltd. Presentation on Star Super Surplus Thank You