Presentation on Senior Citizens Red Carpet Health Insurance

Star Health and Allied Insurance Co. Ltd. For People aged Between 60 and 69 Years Guaranteed renewals beyond 69 years No Pre Insurance Medical Test required Covers Pre Existing Diseases Major Product Features Presentation on Senior Citizens Red Carpet Health Insurance

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

Star Health and Allied Insurance Co. Ltd. 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. What is a Hospital? Presentation on Senior Citizens Red Carpet Health Insurance

Star Health and Allied Insurance Co. Ltd. Pre – Existing Diseases are covered except those for which treatment was recommended or received during 12 Months preceding the date of proposal Diseases mentioned under First year exclusions and first two year exclusions The cover is subject to 50% Co-payment Pre Existing Diseases Cover Presentation on Senior Citizens Red Carpet Health Insurance

Star Health and Allied Insurance Co. Ltd.  50% co-payment applicable for Pre- Existing Diseases / Conditions  30% co-payment applicable for all other claims Co-payment Presentation on Senior Citizens Red Carpet Health Insurance

Star Health and Allied Insurance Co. Ltd. The following Sum Insured options are available Rs. 1,00,000/- Rs. 2,00,000/- Sum Insured Presentation on Senior Citizens Red Carpet Health Insurance

Star Health and Allied Insurance Co. Ltd. Room rent & boarding 1% of the sum insured per day ICU expenses Per 2% of the Sum Insured Nursing charges Surgeons, Anesthetist, Medical Practitioner, Consultants, Specialists fees subject to a maximum of 25% of the Sum Insured per hospitalisation Allowable Expenses Presentation on Senior Citizens Red Carpet Health Insurance

Star Health and Allied Insurance Co. Ltd. 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 subject to a maximum of 50% of the Sum Insured per hospitalisation. Emergency Ambulance charges to go to Hospital for Rs 750/- per hospitalisation upto a maximum of Rs 1,500/- per policy period Allowable Expenses (Contd.) Presentation on Senior Citizens Red Carpet Health Insurance

Star Health and Allied Insurance Co. Ltd. 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/-. Note: The policy does not cover Pre- Hospitalisation expenses Allowable Expenses (Contd.) Presentation on Senior Citizens Red Carpet Health Insurance

Star Health and Allied Insurance Co. Ltd. Minimum of 24 hours Hospitalization is not necessary for the following Dialysis, Chemotherapy, Radiotherapy, Cataract surgery, Dental Surgery, Lithotripsy (Kidney stone removal), Tonsillectomy, Cutting and Draining of Abscess, Liver Aspiration, Pleural Effusion Aspiration, Colonoscopy, Sclerotheraphy, The above treatment shall be taken in the Hospital / Nursing Home and the Insured is discharged on the same day. Day Care Treatment Presentation on Senior Citizens Red Carpet Health Insurance

Star Health and Allied Insurance Co. Ltd. Sub Limits Presentation on Senior Citizens Red Carpet Health Insurance Name of the Ailment / Surgery / Procedure Sub Limit Cataract surgeryRs. 15,000/- in respect of one eye or both eyes in the entire policy period Lithotripsy (Kidney stone removal)Rs. 20,000/- TonsillectomyRs. 7,500/- Cutting and Draining of AbscessRs. 1,500/- Liver AspirationRs. 2,000/- Pleural Effusion AspirationRs. 2,000/- ColonoscopyRs. 2,000/- SclerotheraphyRs. 5,000/- Cardio-Vascular Diseases / Cerebro- Vascular Accident / Cancer and breakage of bones Rs. 75,000/- FOR 1LAC SI Rs.15,00,00/- FOR 2LAC SI Renal ComplicationRs. 75,000/- All other Major SugeriesRs. 60,000/-

Star Health and Allied Insurance Co. Ltd. Includes but not limited to Intestinal obstruction – both acute and sub-acute, colon surgeries, bladder surgeries including Urethra, nephrectomy, pancreatic surgery, GJ Vagotomy, Knee/hip surgery Major Surgeries Presentation on Senior Citizens Red Carpet Health Insurance

Star Health and Allied Insurance Co. Ltd. Premium Rating Presentation on Senior Citizens Red Carpet Health Insurance Sum Insured (Rs.)Premium Including S. Tax (Rs.) 1,00,000/-4,907/- 2,00,000/-9,327/-

Star Health and Allied Insurance Co. Ltd. Presentation on Senior Citizens Red Carpet Health Insurance Renewal Loading Past Two Consecutive Years Claims Experience Loading 100% to 125%20% 126% to 150%30% Above 150%50%

Star Health and Allied Insurance Co. Ltd. Treatment taken in Non Network Hospitals Pre Existing Diseases for which treatment was recommended or received during 12 months preceding the date of proposal Any Disease contracted during first 30 days First Year Exclusions Benign prostate hypertrophy Hernia, Hydrocele, Fistula in Anus, Piles Congenital Internal Disease/defect Sinusitis Renal stone and Gall stone removal First Two Years Exclusions Cataract hysterectomy following menorrhia or fibromyoma Knee Replacement Surgery Joint Replacement Surgery Prolapse of intervertibral Vericose veins/ulcers Exclusions Presentation on Senior Citizens Red Carpet Health Insurance

Star Health and Allied Insurance Co. Ltd. Pre Hospitalisation Expenses Injury / Disease arising due to War, Invasion, Act of Foreign Enemy, Warlike operations 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 or rest cure, congenital external disease or defects or anomalies, sterility, venereal disease, intentional self injury and use of intoxicating drugs/alcohol Naturopathy Treatment Expenses incurred on Lasik Laser or Refractive Error Correction treatment Exclusions (Contd.) Presentation on Senior Citizens Red Carpet Health Insurance

Star Health and Allied Insurance Co. Ltd. Hospital registration charges, record charges, telephone charges and such other similar charges. Expenses for Non Allopathic treatment. Exclusions (Contd.) Presentation on Senior Citizens Red Carpet Health Insurance

Star Health and Allied Insurance Co. Ltd. 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 ( ) – only from BSNL and MTNL Full knowledge based website to offer medical information, including Health Tips. Frequent health meets to disseminate information on health related topics Other Benefits Presentation on Senior Citizens Red Carpet Health Insurance

Star Health and Allied Insurance Co. Ltd. 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 Claim Procedure Presentation on Senior Citizens Red Carpet Health Insurance

Star Health and Allied Insurance Co. Ltd. Thank You