Star Health Insurance – Mediclaim

1) Abdul Sandani (Age 71) Plan – Senior Citizen RED CARPET

Sum Insured 3 Lakh 4 Lakh 5 Lakh

Premium yearly 14771/- 17749/- 20610/-

Plan – Mediclassic – Individual

Sum Insured 3 Lakh 4 Lakh 5 Lakh

Premium yearly 19843/- 27881/- 36097/-

2) Fatima Sandani (Age 60) Plan - Mediclassic – Individual

Sum Insured 3 Lakh 4 Lakh 5 Lakh

Premium yearly 15744/- 17788/- 19208/-

3) Sophia Sandani (Age 26) Plan - Mediclassic – Individual

Sum Insured 3 Lakh 4 Lakh 5 Lakh 10 Lakh

Premium yearly 5038/- 5628/- 6240/- 10929/-

4) Fatima and Sophia (2A) Plan Famiy Health OPTIMA

Sum Insured 4 Lakh 5 Lakh 10 Lakh

Premium yearly 19991/- 24904/- 32375/-

5) Faizal and Mehzabin (Age 33 – 26) (2A) Plan - Famiy Health OPTIMA

Sum Insured 4 Lakh 5 Lakh 10 Lakh

Premium yearly 7752/- 8626/- 11221/-

Plan – Accident Care can be added with additional premium for Faizal.

Future Generali – life insurance

Plan – Triple Anand
Faizal – Policy Term – 47 years ; Premium Paying Term – 20 Years; Mode of Payment – Monthly

Sum Insured Premium without

rider
5 Lakh 2926/-
8 Lakh 4389/-
10 Lakh 4681/-

For any querry, Contact: Mr. S. B. Singnurkar - 9769110441

 Senior Citizen ‘Red Carpet’
by Star Health and Allied Insurance Company Ltd
Entry Age 60 to 75 years
Co-pay 50% on PED and 30% on Non-PED
Renewal Lifelong
Pre-hospital Not Available
Post hospital 7% of S. I. or maximum Rs 5000/- whichever is less for next 60 days.
Sum Insurance (1,2,) 3,4,5,7.5,10 Lakhs
Room Rent 1% of S. I. , Maximum Rs 6000/-
ICU 2% of S. I.
Doctors Fee 25% of S. I.
Medicine 50% of S. I.
Medical No medical
Day Care 101 allowed with sub limit
Procedure
No Claim Bonus Not available
PED PED cover after 12 months.
Exclusions 30 days for any type diseases.
1st year exclusion
2nd year exclusion
Sum Insured 1 Lakh 2 Lakhs 3 Lakhs 4 Lakhs 5 Lakhs 7.5 Lakhs 10 Lakhs
Premium 5000/- 9500/- 14495/- 17416/- 20225/- 23596/- 25281/-
Particulars
Cataract 15 TRs 15 TRs 18 TRs 20 TRs 21 TRs 23 TRs 25 TRs
Cerbro-vascular 75 TRs 1.5 Lakhs 2 Lakhs 2.25 Lakhs 2.75 Lakhs 3 Lakhs 3.5 Lakhs
Cardio-vascular 75 TRs 1.5 Lakhs 2 Lakhs 2.25 Lakhs 2.75 Lakhs 3 Lakhs 3.5 Lakhs
Cancer 75 TRs 1.5 Lakhs 2 Lakhs 2.25 Lakhs 2.75 Lakhs 3 Lakhs 3.5 Lakhs
Renal 75 TRs 1.5 Lakhs 2 Lakhs 2.25 Lakhs 2.75 Lakhs 3 Lakhs 3.5 Lakhs
Other major 60 TRs 1.2 Lakhs 1.5 Lakhs 2 Lakhs 2.25 Lakhs 2.5 Lakhs 2.75 Lakhs
surgeries
Mr. S. B. Singnurkar (An Insurance Advisor)
Future Generali and Star Health Insurance
Life, general and Health Insurance
for Personal, Family, Group Insurance
Your Insurance Friend for Friendly Insurance
Mobile No 9769110441, Email : insurehub123@gmail.com
 ‘Family Floater OPTIMA’
by Star Health and Allied Insurance Company Ltd
Entry Age 16 Days to 65 Years. Benefit to child allowed upto age 25 only.
Co-pay 10% (if entry age 61 to 65).
Auto restoration 100%
Renewal Lifelong
Pre-hospital 60 Days, on actual. pertaining to hospitalization reason.
Post hospital 90 days after discharge. on actual pertaining to hospitalization
reason.
Sum Insurance 3,4,5,10,15 Lakhs
Room Rent For 3,4 SI – 2% of SI or max 5000/day
For 5,10,15 SI – Standard Single A/C room max 10,000/day
For higher than SI 10% Co-Pay.
Ambulance Charges 750/- per hospitalization and 1500 per policy year.
Medicine/Blood/ Test Actual, pertaining to hospitalization reason.
Medical Test No medical. Above 50 free medical test.
Instant Recharge Extra coverage for claim for original SI upto max 30% (varies as per
SI. for one policy year.
Day Care Procedure 405 procedures.
No Claim Bonus 25% for1st year renewal and 10% 2nd year renewal for 5 Lakhs S. I.
PED PED cover after 48 months for continues enforce policy.
Exclusion 30 days for any type diseases/sickness.
2 year for Cataract, Glaucoma, Retinal detachment/Macular
degeneration, Prolapse for invertebral disc, Vericose vein/ulcer,
Benign prostatic hypertrophy, Deviated nasal septum, Sinusitis,
Tonsilitis, Nasal Polyps, Chronic supparative otitis media and related
disorders, Stapedectomy, Hernia, Hydrocele, Fissure/fistula,
Heamorrhoids, congenital internal disease/defect.
3 year exclusion for delivery and new born baby cover.
Health Check up 1% of SI or max. 5000/- after every 3 continuous policy year.
Donor Expenses Max. 10% of SI or 1 Lakh whichever is less.
Maternity & Delivery Available on actual, subject to following limits. note husband and wife
should be in same plan for continues 36 months.
Auto Cover for New Hospitalization expenses for treatment of new born, during policy
Born year. Starts from 16th day of baby to limit 10% of SI or max. 50 k
whichever is less
Domicilary Expenses The expenses , exceeding 3 days for treatment under sp. Condition.
Accident Cover Available with extra premium.
Health check-up Available after 3 continues claim free year.
Mr. S. B. Singnurkar (An Insurance Advisor)
Future Generali and Star Health and Allied Insurance
Life, General and Health Insurance
for Personal, Family, Group Insurance
7, Shrikrishna Niwas, Datar Colony, Bhandup (East), Mumbai 400042
Mobile No 9769110441, Email : insurehub123@gmail.com
 STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED
Product Name
Sum Insured options (in lakhs)
Policy term (option)
Age of entry and renewals
Family cover
Family discount
Documents required
Risk group classification
Risk Group – 1: Person engaged
primarily in administrative functions
Risk Group – 2: Person engaged in
manual work.
Risk Group – 3: Working with
explosive industry, mine/magazine
worker, high tension supply, horse
racing athletes or similar
occupational hazards.
Note – Overall Sum Insured under all tables together should not exceed 225 times of monthly income.
Educational Grant
Transportation
Travel Expenses of One relative
Vehicle and/or Residence
Modification
Purchase of Blood
Transported of Imported Medicines
Cumulative Bonus
Features
Coverage for winter sports & rallies
Medical Expenses Extension
Hospital Cash
Home Convalescence
Accident Care Policy – Worldwide coverage (For individual/family)
Based on the monthly income from gain full employment/business-person. (Last 3 years IT returns.
Along with audited profit and loss statement) from 1 lakh to 5 crores.
One year Two year
Individual – Aged between 18 yrs to 70 yrs & renewal up to life time.
Children between 5 months to 25 years. Can be covered only when covered with at least one
parent.
Sum insured for dependent & non-earning spouse – 50 % of earning spouse sum insured.
Sum insured for dependent & non-earning children – 25 % of earning spouse sum insured.
10% discount on premium if more than one individual from same family is covered.
Dully filled proposal form, photo (optional). Age proof (optional). Income proof is required for 50
lakhs and above sum insured.
Coverage classification
Table A – 225 times of monthly income.
Covers accidental death only.
Table B – 180 times of monthly income.
Covers Accidental death + Accidental Permanent Disablement.
(PTD- Permanent Total Disablement 150% of SI, PPD – Permanent Partial Disablement % of SI
Table C – 100 times of monthly income, max up to 15 Lakhs.
Covers Accidental Death + Accidental Permanent Disablement.
(PTD – 150% of SI & PPD - % of SI Accidental Temporary Total Disablement – 1% of SI. Subject
to max. Rs. 15000 per week and for max upto 100 weeks or Max. up to 15 lakhs only.
Additional Benefits – without any extra premium.
On death/Permanent Total Disablement of earning /parent/Insured, the minor children less
than 18 years of age are eligible for Lump sum – for one children Rs. 10,000/- and for two
children Rs. 20,000/- .
For transportation expenses of Mortal Remains Rs. 5000/-.
1% of SI subject to max. up to Rs. 50,000/-.
10% of Table B & Table C SI subject to Max. of Rs. 50,000/-.
5% of Total SI subject to Max. of Rs. 10,000/-.
5% of Total SI subject to Max. of Rs. 20,000/-.
For every claim-free year, the SI under death & PTD will be increased by 5%, sub. to Max 50%
of SI
Additional Benefits – with any extra premium.
Benefit Premium
This extension can be granted for the period the 100% of Policy Premium per person.
Insured person proposes to participate in such
sports. (can be availed. Any time during the policy
period.
25% of valid claim or 10% of SI or actual whichever 10% of final premium per year per
is less. subject to max. up to Rs. 5 Lakhs (Min. 5 day person.
of Hospitalization)
Rs. 1000/- per day sub. to Max. of 15 per Rs. 40/- per year per person.
occurrence and 60 days per policy period.
Rs. 500/- per each completed day sub. to max. of 15 Rs. 15/- per year per person.
days per occurrence and 60 days per policy period
for engaging one attendant at residence after
discharge from hospital on the recommendation of
attending Doctor only.
Your Insurance Friend for Friendly Insurance
Mr. Shrikant B. Singnurkar
Life, Health & General Insurance
for personal, family and group Insurance
Mo. 9769110441 / email: insurehub123@gmail.com