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 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 LIMITED PERSONAL & CARING STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED PERSONAL & 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 LIMITED PERSONAL & CARING STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED PERSONAL & CARING Premium Rating Sl.No.Scheme Sum Insured (Rs.) Deductible(Rs.)Premium (in Rs. excluding Service Tax) 1.Individual7,00,000/-3,00,000/-3309/- 2.Individual10,00,000/-3,00,000/-4412/- 3.Individual10,00,000/-5,00,000/-3640/- 4. Family Floater 10,00,000/-3,00,000/-6287/ ,00,000/-5,00,000/-4743/-

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 Sickness/Illness/Diseases Accidental injuries Accidental injuries Family Size: 2A + 2C

STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED PERSONAL & CARING STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED PERSONAL & 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 LIMITED PERSONAL & CARING STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED PERSONAL & CARING  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 Allowable Expenses..

STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED PERSONAL & CARING STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED PERSONAL & CARING Scenario 1 Sum Insured claim amountStatus 10 lacs with 3 lacs deductibles 1 st claim 2 lacsNot settled 2 nd claim 6 lacs3 Lac settledBalance 7 lacs 3 rd claim 10lacs 7 lacs settledNil Only Super Surplus. No Base policy Only Super Surplus. No Base policy Policy period Policy period

STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED PERSONAL & CARING STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED PERSONAL & CARING Scenario II Policy period June Sum Insured(Medi Classic) Sum Insured (Super Surplus) Claim AmountStatus 3 lacs7 lacs with 3 lacs deductibles First claim amount 5 lacs *3 lacs from Mediclassic & 2 lacs from Super Surplus Nil2 nd claim amount 5 lacs 2 lacs to be settled from Super Surplus Nil3 rd claim 10 lacs3 lacs to be settled from Super Surplus Medi Classic & 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 LIMITED PERSONAL & CARING STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED PERSONAL & CARING Premium Rating Sl.No.Scheme Sum Insured (Rs.) Deductible(Rs.)Premium (in Rs. excluding Service Tax) 1.Individual7,00,000/-3,00,000/-3309/- 2.Individual10,00,000/-3,00,000/-4412/- 3.Individual10,00,000/-5,00,000/-3640/- 4. Family Floater 10,00,000/-3,00,000/-6287/ ,00,000/-5,00,000/-4743/-

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