Wednesday, January 26, 2011

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STAR HEALTH & ALLIED INSURANCE Senior Citizen Red Carpet

STAR HEALTH HAS LAUNCHED MEDICLAIM FOR SENIOR CITIZENS.

BROUCHER OF THIS PRODUCT CAN BE DOWNLOADED FROM HERE
 
FOR RATING , REVIEWS AND MORE INFORMATION ABOUT THIS PRODUCT VISIT HERE:
 

Senior Citizen Red Carpet

Turning sixty is a major milestone. On the one hand, people tend to find more time for matters they couldn't adequately attend to during their years of career preoccupation. On the other, there is mounting anxiety about health. Yet, health insurance policies have hardly been available to address their needs. Star Health is proud to introduce India's first health insurance policy as a salute to our senior citizens. It provides cover for anyone over the age of 60 and permits entry right up to the age of 69 with continuing cover after that. It is our way of caring for a generation that has done so much to build the country.
 
Major Product Features
This Health Insurance Plan from Star Health is unique among Senior Health Insurance Policies and extends benefits of Hospitalisation Cover as well as Post Hospitalisation Cover.
For people aged between 60 and 69 years
Guaranteed renewals beyond 69 years
No pre-insurance medical test required
Treatment at network hospitals only
All pre-existing diseases are covered from first year, except those for which treatment or advice was recommended by or received during the immediately preceding 12 months from the date of proposal
Disease for which treatment or advice was recommended by or received during the immediately preceding 12 months from the date of proposal will be covered from second year onwards
 
Policy Premium Including Service Tax
Sum Insured(Rs) Premium (Rs)
1,00,000 4,908
2,00,000 9,326
3,00,000 14,229
4,00,000 17,097
5,00,000 19,854
 

Senior Health Insurance Policy Red Carpet Benefits

Hospitalization Cover: In-patient hospitalization expenses for a minimum of 24 hours. Includes room rent and boarding @1% of sum insured subject to a maximum of Rs. 4,000/- per day.
ICU expenses per day @ 2% of sum insured
Nursing expenses
Surgeon's fees, consultant's fees, Anesthetist's and specialist's fees, per illness @ 25% of sum insured
Cost of blood, oxygen, pacemaker
Cost of drugs and diagnostic tests @ 50% of sum insured per hospitalization
Treatment for Cardiovascular Diseases / Cerebrovascular Accident/Cancer and breakage of Bones: Upto Rs.75,000/- where the sum insured is Rs.1,00,000/- and upto Rs.1,50,000/- where the sum insured is Rs.2,00,000/-, Rs. 3,00,000/-, Rs. 4,00,000/- and Rs. 5,00,000/-.
Cataract (both eyes included), up to Rs.15,000/-
Renal Complications: Upto Rs.75,000/- where the sum insured is Rs.1,00,000/- and upto Rs.1,50,000/- where the sum insured is Rs.2,00,000/- Rs. 3,00,000/-, Rs. 4,00,000/- and Rs. 5,00,000/-.
All other Major Surgeries: Upto Rs.60,000/- where the sum insured is Rs.1,00,000/- and upto Rs.1,20,000/- where the sum insured is Rs.2,00,000/- Rs. 3,00,000/-, Rs. 4,00,000/- and Rs. 5,00,000/-.
Emergency Ambulance Charges for transporting the Insured Person to the Hospital @Rs.600/- per hospitalisation and Rs.1200/- per Policy period
 
Post-Hospitalization
Post-hospitalization - a lumpsum calculated at 7% of the hospitalization expenses (excluding room charges), subject to a maximum of Rs 5,000 is payable.
 
Tax benefits in Senior Health Insurance
Amount paid by any mode other than cash is eligible for relief as provided under Section 80 D of the Income Tax Act
 
What cannot be claimed?
Treatments currently availed or availed during the previous 12 months from date of proposal
Any expenses incurred for treatment of illness/disease/sickness contracted by the insured person during the first 30 days from the commencement date of the policy
First year exclusions: Hernia, Piles, Hydrocele, Congenital Internal disease/defect, Sinusitis, Gall Stone/Renal Stone removal and Benign Prostrate Hypertrophy
First Two-Year Exclusions: Hysterectomy, Cataract, Joint/Knee Replacement surgery(other than caused by an accident), Prolapsed Intervertebral Discs, Varicose Veins, Ulcers
Naturopathy treatment
Expenses which are purely diagnostic in nature with no positive existence of any disease
Expenses for treatments that are mainly cosmetic in nature
50% co-payment applicable for pre-existing diseases/conditions
30% co-payment applicable for all other claims
 
Claims Procedure
Call the 24-hour helpline 1800 425 2255 for assistance
Inform the ID number/policy number for easy reference
In case of a planned hospitalisation, please inform 24 hours prior to admission into the hospital
In case of emergency hospitalisation, information to be given within 24 hours after hospitalisation
At non-network hospitals, payments must be made upfront and then reimbursement will be effected on the submission of documents
 
Star Advantages
No Third Party Administrator; direct in-house claims settlement
Faster & hassle-free claim settlement
Cashless hospitalization
Network of more than 4700 hospitals across India
24x7 Toll- free Helpline
Free General Physician Consultation over phone. Doctors on duty 24x7. By quoting the policy number, any person can contact our Doctor on the toll free number 1800 425 2255 for medical advices.
Free Health magazines are issued to policy holders at regular intervals
 
NOTE:The benefits and exclusions mentioned herein are only an outline of the policy details, please contact your nearest Star Health office.
 
 
STAR HEALTH & ALLIED INSURANCE Star Super Surplus
 
BROUCHER OF THIS PRODUCT CAN BE DOWNLOADED FROM HERE
 
FOR RATING , REVIEWS AND MORE INFORMATION ABOUT THIS PRODUCT VISIT HERE:
 
 

Star Super Surplus

When it comes to healthcare needs, you may tend to make a conservative estimate. However, health problems can far exceed those estimates which is why there is an advantage in looking beyond basic cover plans. Star Health presents Super Surplus Insurance which offers much larger coverage than is offered by basic plans. So all the focus can be on cures, as it banishes worry. Individual basis or family floater - the choice is yours.
 

Who Can Take This Health Insurance Plan?

Any person aged between 5 months and 60 years can take this insurance upto a maximum sum insured of Rs10,00,000/-
Renewals granted up to 75 years
 
Major Product Features
The policy offers the benefits of wider protection at a lesser price. This policy is available on individual basis and also on floater basis, covering the entire family
Family means two adults and two children (children economically dependent and upto 25 years)
 
Pre-Existing Diseases / Illness
Are covered after 36 months of continuous insurance with us
 
Policy Benefits
Hospitalization Cover: Protects the insured person for in-patient hospitalization expenses for a minimum of 24 hours. These expenses include room and boarding expenses to a maximum of Rs.4,000/- per day
No ceiling on ICU, medicine, diagnostic charges or consultation fee
Nursing expenses
Surgeon's fees, Consultant's fees, Anesthetists and Specialist's fees
Cost of medicines and drugs
Blood,oxygen,pace maker and similar expenses
 
Eligibility
Any person aged between 5 months and 60 years can take this insurance upto a maximum sum insured of Rs10,00,000/-
Renewals granted upto 75 years
 
Policy Premium (Individual Basis) (Service Tax extra)
Sum Insured
(Rs)
Compulsory Deductible for
each and every hospitalization (Rs)
Premium
(Rs)
7,00,000 3,00,000 3,000
10,00,000 3,00,000 4,000
Policy Premium (Family Floater Basis) (Service Tax extra)
Sum Insured
(Rs)
Compulsory Deductible for
each and every hospitalization (Rs)
Premium
(Rs)
10,00,000 3,00,000 5,700
10,00,000 5,00,000 4,300
 
Tax Benefits
Amount paid by any mode other than by cash for this insurance is eligible for relief under Section 80D of the Income Tax Act.
 
What Cannot Be Claimed
Treatment of illness/diseases/sickness contracted by the insured person during the first 30 days from the commencement date of this policy
Naturopathy treatment
Expenses which are purely diagnostic in nature, with no positive existence of any disease
Expenses incurred for non-allopathic treatment
Treatment of congenital diseases/defects/anomalies
Expenses which are mainly cosmetic in nature
Note : For a detailed list of exclusions, refer policy conditions
 
Claims Procedure
Inform the ID number for easy reference
In case of planned hospitalization, please inform 24 hours prior to admission into the hospital
In case of emergency hospitalization, information to be given within 24 hours after hospitalization
In non-network hospitals, payment must be made upfront and then reimbursement will be effected on the submission of documents
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