MEDICLAIM POLICY FROM STAR HEALTH AND ALLIED INSURANCE COMPANY LTD. 

This is Mediclaim Policy from Star Health. Where individual can purchase for himself and for family but cover is to be selected seperately for each family member.

Brocher can be downloaded from  Here 

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Medi Classic

An accident or a health crisis can have serious implications. It could lead to a severe financial setback that erodes your careful saving. In turn, this could mean giving up on some of the goals and aspirations in one's life. You need a buffer in the form of accident and life insurance to minimise the adverse impact due to an accident/disease.Medi Classic Insurance from Star Health addresses this requirement. This is a life and accident insurance policy that provides for reimbursement of hospitalization expenses incurred as a result of illness /disease /sickness and/or car accident/personal accident insurance claims.   Pre- Medical screening Compulsory medical check up is done for persons above 50 years of age at the cost of the company   Pre-Existing Diseases / Illness Are covered after 48 months of continuous insurance with us   Policy Benefits Hospitalisation Cover : In-patient hospitalisation expenses for a minimum of 24 hours.Includes room rent and boarding @2% of sum insured,subject to a maximum of Rs.4000/- per day Nursing expenses Surgeon's fees, Consultant's fees, Anaesthetist's and Specialist's fees Cost of medicines and drugs Emergency ambulance charges for transporting the insured patient to the hospital upto a sum of Rs 750/- per hospitalisation and overall limit of Rs 1500/- per policy period   Pre-Hospitalization & Post-Hospitalization Pre-hospitalisation medical expenses upto 30 days prior to date of admission Post-hospitalization - a lumpsum calculated at 7% of the hospitalization (excluding room charges) subject to a maximum of Rs.5000 is payable   No-Claim Discount Discount ranging from 5%- 25% for every claim-free year (except for the Family Package Plan) How much to pay Sum Insured (in Rs) 5 mths - 35 yrs 36 yrs - 45 yrs 46 yrs - 55 yrs 56 yrs - 65 yrs 66 yrs - 70 yrs 71 yrs - 75 yrs 76 yrs - 80 yrs 50000 575 700 1320 NA NA NA NA 100000 1200 1350 2447 3000 4547 4872 6029 150000 1800 2000 3400 4200 6717 7284 9284 200000 2350 2600 4583 5300 8768 9574 12420 250000 2800 3150 5548 7200 10696 11744 15433 300000 3300 3650 6170 8200 12625 13914 18449 350000 3750 4150 7408 10196 15964 15964 21341 400000 4200 4500 8700 11451 16242 18015 24236 500000 4900 5400 10700 13958 19859 22113 30023 1000000* 7465 7965 13265 16525 NA NA NA Service Tax extra *Renewal upto 65 years for Rs. 10,00,000/- Sum Insured Option.   Rating for Family Package (Available for persons below 45yrs. The sum insured is apportioned equally among insured family members)   Sum Insured Rs 200000 Sum Insured Rs.300000 2Adults 2348 3400 2Adults+1Child 2238 3825 2Adults+2Children 2320 4080 1Adult+1Child 2168 3230 1Adult+2Children 2206 3280 For Groups Group Size % of discount on Premium (excluding add-on covers & service tax) Upto 500 persons NIL 501-1000 2.5% 1001-3000 5.0% 3001-7000 7.5% 7001-10000 10% > 10000 12%   Optional Benefits On Payment Of Additional Premium Hospital Cash: Provides for payment of Rs.500 for each completed day of hospitalisation.  Maximum per day is Rs500 and maximum per hospitalization is Rs1500/-. Maximum payable during the entire policy period is Rs3000. This benefit is payable only following an admissible hospitalization claim.   Applicable for persons between 21 yrs and 60 yrs. Premium ranging from Rs.200 to Rs. 350 per person, depending upon the age. Patient Care: Available for persons above 65 years. It pays for the attendant charges after discharge from the hospital @ Rs 400 per day to a maximum of 5 days per hospitalization.   The engagement of such attendant must be recommended by the attending physician. A waiting period of 2 days is applicable. Premium Rs 300 per person. New Born Baby cover: Available with Family package plan and provides for your new-born from birth up to 5 months. Thereafter the baby can be covered as a regular person. The sum insured is restricted to 10% of the sum insured in respect of the mother. This cover is not available for immunization expenses / post-natal expenses.   Premium 10% of policy premium.   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/disease/sickness contracted by the insured person during the first 30 days from the commencement date of the policy First Two Years Exclusions: Cataract, Hysterectomy for Menorrhagia or Fibromyoma, Replacement surgery for knee and/or joint(other than caused by an accident), Prolapse of intervertebral disc (other than caused by accident), Varicose Veins and Varicose Ulcers First Year Exclusions: Benign Prostate Hypertrophy, Hernia, Hydrocele, Fistula in anus, Piles, inusitis and related disorders, Congenital internal disease/defect, removal of gallstones and renal stone Naturopathy treatment Expenses which are purely diagnostic in nature with no positive existence of any disease Treatment of Congenitall external disease/defects/anomalies Expenses which are mainly cosmetic in nature   Claims Procedure Call the 24-hour helpline 1800 425 2255 for assistance Inform the ID number / policy 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   Star Advantages No Third Party Administrator; direct in-house claims settlement Faster & hassle-free claim settlement Cashless hospitalization Network of more than 4600 hospitals across India 24x 7 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 accident and life insurance policy. For complete details, please contact your nearest Star Health office.   ----------------

STAR HEALTH & ALLIED INSURANCE FAMILY FLOATER POLICY DETAILS

Family Health Optima

While choosing a health insurance plan, make sure you consider Family Health Optima. This is an exclusive insurance plan for the entire family under a single roof- one family one policy one premium and one sum insured that floats among the persons insured  net result : considerable flexibility and economy.   A Super Saver Policy among Family Health Insurance Plans Single Sum Insured Coverage for entire family Single Premium Considerable saving in premium as the family is covered under one policy   Who can take this Insurance? Any person aged between 5 months and 60 years residing in India can take this insurance. Dependent children up to 25 yrs can be covered   Family Includes Proposer, spouse, dependent children upto 25 years, who are economically dependent on their parents   Pre- Medical screening Compulsory medical check up is done for persons above 50 years of age at the cost of the company   Pre-Existing Diseases / Illness Are covered after 48 months of continuous insurance with us Policy Benefits Hospitalisation Cover: Protects the insured person for in-patient hospitalisation expenses for a minimum of 24 hours. These expenses include room and boarding charges as per policy conditions Nursing expenses Surgeon's fees, Consultant's fees, Anesthetist's and Specialist's fees Cost of medicines and drugs Emergency ambulance charges for transporting the insured patient to the hospital upto a sum of Rs.750/- per hospitalization and overall limit of Rs.1500/- per policy period   Pre and Post Hospitalisation Cover Pre-hospitalisation medical expenses upto 30 days prior to the date of admission Post-hospitalisation calculated at 7% of the hospitalisation expenses (excluding room charges), subject to a maximum of Rs.5000 is payable   How much to pay? A: Adult C: Children up to 25 yrs. NA: Not Available Sum Insured: Rs. 1,00,000   5 Months - 45 Yrs 46 Yrs- 55 Yrs 56 Yrs- 60 Yrs 2A 1765 NA NA 1A + 1C 1515 NA NA 1A + 2C 1640 NA NA 1A + 3C 1785 NA NA 2A + 1C 1890 NA NA 2A + 2C 2025 NA NA 2A + 3C 2165 NA NA Sum Insured: Rs. 2,00,000   5 Months - 35 Yrs 36 Yrs- 45 Yrs 46 Yrs- 55 Yrs 56 Yrs- 60 Yrs 2A 2890 3140 5535 6400 1A + 1C 2715 3005 5265 6120 1A + 2C 2835 3075 5410 6225 1A + 3C 3085 3415 5715 6645 2A + 1C 3295 3555 5925 6965 2A + 2C 3455 3675 6450 7360 2A + 3C 3625 4060 6795 7820 Sum Insured: Rs. 3,00,000   5 Months - 35 Yrs 36 Yrs- 45 Yrs 46 Yrs- 55 Yrs 56 Yrs- 60 Yrs 2A 3985 4360 7605 10030 1A + 1C 3710 3940 6930 9185 1A + 2C 3825 4110 7160 9725 1A + 3C 4125 4440 7630 10095 2A + 1C 4190 4830 7865 10625 2A + 2C 4310 5110 8400 11090 2A + 3C 4615 5320 8710 11755 Sum Insured: Rs. 4,00,000   5 Months - 35 Yrs 36 Yrs- 45 Yrs 46 Yrs- 55 Yrs 56 Yrs- 60 Yrs 2A 5195 5565 10510 13515 1A + 1C 4750 5070 9660 12730 1A + 2C 4910 5250 10150 13210 1A + 3C 5365 5725 10980 13755 2A + 1C 5295 5775 11270 14290 2A + 2C 5645 6240 11870 14890 2A + 3C 6025 6540 12585 15815 Sum Insured: Rs. 5,00,000   5 Months - 35 Yrs 36 Yrs- 45 Yrs 46 Yrs- 55 Yrs 56 Yrs- 60 Yrs 2A 5920 6525 12010 15855 1A + 1C 5370 5955 11550 15225 1A + 2C 5630 6285 11865 15645 1A + 3C 6035 6770 12390 16275 2A + 1C 6345 7045 12815 16750 2A + 2C 6875 7675 13210 17450 2A + 3C 7260 8195 13860 18105 Sum Insured: Rs. 10,00,000   5 Months - 35 Yrs 36 Yrs- 45 Yrs 46 Yrs- 55 Yrs 56 Yrs- 60 Yrs 2A 8420 8985 14960 18635 1A + 1C 8215 8765 14595 18180 1A + 2C 8335 8895 14815 18455 1A + 3C 8625 9200 15325 19090 2A + 1C 9035 9640 16055 20000 2A + 2C 9445 10080 16785 20905 2A + 3C 9645 10295 17150 21360 Age of the oldest family member covered should be taken for premium calculation Service tax extra   Discount A discount of 10% on Premium is allowed on renewal of the policy if there is no claim in the immediately preceding year of the policy. This discount is not cumulative   Tax Benefits in Family Health Insurance 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/disease/sickness contracted by the insured person during the first 30 days from the commencement date of the policy First Two Years Exclusions: Cataract, Hysterectomy for Menorrhagia or Fibromyoma, Replacement surgery for knee and/or joint (other than caused by an accident), Prolapse of intervertebral disc (other than caused by accident),varicose veins and varicose ulcers First Year Exclusions: Benign Prostate Hypertrophy, Hernia, Hydrocele, Fistula in anus, Piles, Sinusitis and related disorders, congenital internal disease/defects, removal of gallstones and renal stone Naturopathy treatment Expenses which are purely diagnostic in nature with no positive existence of any disease Expenses incurred for non-allopathic treatment Treatment of external Congenital disease/defects/anomalies Expenses which are mainly cosmetic in nature   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 4600 hospitals across India 24 x7 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. For complete details, please contact your nearest Star Health office.