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  Section I - Regular Hospitalisation Benefits  Section II - Payment of lump-sum compensation for specified Major Illnesses  3 Years – 65 Years, Children from 3 yrs to 18yrs can be covered along with at least one parent  Acceptance subject to medical screening for persons above 50 years Age Limits..

STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED PERSONAL & CARING STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED PERSONAL & CARING  Hospitalization Expenses incurred as an inpatient for  Sickness/Illness/Diseases  Accident Coverages.. Medical Examination.. 1.For persons with adverse medical history and 2.For persons with age above 50 (Any SI). 3. For SI above 2 lacs even if the person is less than age 50 yrs. Section -I

STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED PERSONAL & CARING STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED PERSONAL & CARING  Room, boarding & nursing 2% of the sum insured up-to a maximum of Rs. 4,000/- per day.  Surgeons, Anesthetist, Consultants and Specialists fees.  Operation Theatre charges, drugs and medicines diagnostic materials, cost of pace maker etc.  Emergency Ambulance - Rs 750/- per hospitalisation upto 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/- Allowable Expenses…

STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED PERSONAL & CARING STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED PERSONAL & CARING Family discount..  5% for upto 2 members, 10% for more than 2 members. Non Allopathic Treatment : Admission beyond 24 hrs must. Only Reimbursement basis. Maximum of Rs. 25,000/- for the entire policy period. Maximum of Rs. 25,000/- for the entire policy period.

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 the following procedures Cataract Cataract Lithotripsy (Kidney stone removal) Lithotripsy (Kidney stone removal) Tonsillectomy Tonsillectomy Cutting and draining of peripheral abscess Cutting and draining of peripheral abscess Cutting and draining of sub-cutaneous abscess- Cutting and draining of sub-cutaneous abscess- Liver Aspiration Liver Aspiration Pleural Effusion Aspiration Pleural Effusion Aspiration Sclerotheraphy Sclerotheraphy Dialysis, Chemotherapy, Radiotherapy and Dental owing to Accidents Dialysis, Chemotherapy, Radiotherapy and Dental owing to Accidents Day Care Treatment..

STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED PERSONAL & CARING STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED PERSONAL & CARING Day Care Procedure Sub limit Sub limit CATARACT Rs. 20,000/- in respect of one eye and Rs. 30,000/- in the entire policy period Lithotripsy (Kidney stone removal) Rs. 20,000/- Tonsillectomy Rs. 15,000/- Cutting and Draining of Peripheral Abscess Rs. 2,500/- Rs.4,000/- Liver Aspiration Rs. 2,000/- Pleural Effusion Aspiration Rs. 2,000/- Sclerotheraphy Rs. 5,000/- Sub limits

STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED PERSONAL & CARING STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED PERSONAL & CARING Waiting period for Section I Waiting period for Health Cover: 30 days Accidental : Day 1 cover Pre Existing Disease covered after 4 years. First and First two year Exclusions same like Family Health Optima.

STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED PERSONAL & CARING STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED PERSONAL & CARING Sec II : Lumpsum payout What happens when the insured is diagnosed with Critical Illness?.... On diagnosis, there will be a Lump Sum Compensation under Section 2 + Payment of Hospitalization under Section 1 up to the date of diagnosis of Major Illness. (Waiting period : 90 days.)

STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED PERSONAL & CARING STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED PERSONAL & CARING Coverages.. Section -II  First Diagnosis of Cancer, Chronic Kidney Disease, Brain Tumour,  Undergoing first time - Major Organ Transplant, Occurrence for the first time of the following medical events:  Cerebro-Vascular Stroke causing Hemiplegia,  Acute Myocardial Infarction resulting in Left Ventricular Ejection Fraction of < 25%  Established irreversible Coma,  Established irreversible Paraplegia,  Established irreversible Quadriplegia

STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED PERSONAL & CARING STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED PERSONAL & CARING Policy year June 2012 to June 2013SI 5 LACS Sec I : 5 lacs & Sec II : 5 lacs Total 10 lacs ) Claim for Cancer in December 2012 SI 5 lacs paidSec II Closed Hospitalisation expenses till the date of diagnosis of Critical Illness Rs.30kPaid from Sec I Criticare Plus to continue either till June 2013 or till the SI of 4,70,000(under SEC I) is exhausted, whichever happens first.. Criticare plus cannot be renewed further. Renewal can be done either in Medi Classic or Health gain. Critical illness for which claim has been already paid will remain a permanent exclusion

STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED PERSONAL & CARING STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED PERSONAL & CARING  The Major Illness experienced should be the first incidence of that major illness.  Hospitalisation expenses would be paid only till the date of diagnosis of the major illness.  Only one lump sum benefit will be payable irrespective of  No. of policies issued to the insured  No. of major illness suffered by the insured  Waiting period of 90 days from the date of issuance of policy (for section 2 benefits) Conditions..

STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED PERSONAL & CARING STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED PERSONAL & CARING  Minimum Sum Insured - Rs. 2,00,000/-  Maximum Sum Insured - Rs. 10,00,000/-  The following Sum Insured options are available  Rs. 2,00,000/-  Rs. 3,00,000/-  Rs. 4,00,000/-  Rs. 5,00,000/-  RS. 10,00,000/- Sum Insured..

STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED PERSONAL & CARING STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED PERSONAL & CARING  Sum Insured restricted to Rs /-  30% COPAY Will be applicable  Following Sub-limits will apply. Disease Company’s liability (maximum) Cerebro vascular accident / cardio vascular disease/cancer and breakage of bones, renal complications All other major surgeries Persons above 60 yrs at Entry..

STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED PERSONAL & CARING STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED PERSONAL & CARING  Survival period of 30 days after occurrence of major disease not applicable  Higher limit for Tonsillectomy.  Maximum sum insured Rs /-  Family Discount available of 5% up to 2 members and 10% for more than two members  Covers both Hospitalisation benefit and Lumpsum payout.  Covers Non Allopathic Treatment Sales Pitch…… Sales Pitch……