Submitted By:

Astha Kukreti
Zainab Begum
Why Star
• Because STAR HEALTH AND ALLIED INSURANCE, is a specialist in Health
Insurance and provides quality service at the best rates. As the country's first stand
alone health insurance company in India, it is committed to the service of the
insured. There is no Third Party Administrator involved in claims settlement,
which means better service, in shorter time and no hassles... at all! 

• No.1 private sector Health Insurance Company in India. Source IRDA Unaudited
results
• India's first Exclusive Standalone Health Insurance Company
• Pan India Presence
• No-Claim discount
• 24 X 7 FREE Expert Doctor consultation
• Large Hospital Network of more than 4600 Hospitals
• Cashless Hospitalization Facility
• Faster settlement of Claims, no TPA involved
• Wide range of Products
 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
• 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.
 Claims Procedure

• Call the 24 hour help-line for assistance - 1800 425 2255

• Inform the ID number for easy reference
• In case of planned hospitalization inform 24 hours prior to admission in
the hospital
• In case of emergency hospitalization information to be given within 24
hours after hospitalization
• Cashless facility can be availed in all net-work hospitals
• In non-network hospitals payment must be made up-front and then
reimbursement will be effected on submission of documents.
 Types of Health Insurance Products
1. Star Unique Health
2. Medi Classic
3. Family Health Optima
4. Super Surplus
5. Star health Gain
6. Star Wedding Gift
7. Diabetes Safe
8. Senior Citizen Red Carpet
9. Star Netplus
10. Star Criticare Plus
Health Pre-medical Screening Pre-existing Disease/ Eligibility
Insurance Illness
Product
1. Star Unique No pre-acceptance medical screening Pre-Existing Disease/ Condition •Any person aged between 18
Health (other than those diseases / years and 65 years residing in
conditions for which specific India.
periods have been mentioned under •Renewals would be accepted
exclusions) will be covered after 11 up to 70 years.
months of continuous coverage
have elapsed, since inception of
this policy with the Company

2. Medi Classic Compulsory medical check up done for Are covered after 48 months of
persons above 50rs at cost of the company continuous insurance with the
company
3. Family No pre-acceptance medical screening Are covered after 48 months of •Any person aged between 5
Health Optima continuous insurance with the months and 60 years residing
company 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

4. Super No pre-acceptance medical screening Are covered after 36 months of •Any person aged between 5
Surplus continuous insurance with the months and 60 years can take
company this insurance up to a
maximum sum insured of
Rs10,00,000/-
• Renewals granted up to 75
years

5. Star health No pre-acceptance medical screening Are covered after 48 months of •Any person aged between 5
 Policy Benefits Common to All
• Hospitalization Cover :
• In-patient hospitalisation for a minimum of 24 hours.  
• Expenses covered are: Room rent, Boarding and Nursing
Expenses @ 1%-2% of sum insured subject to a maximum of
Rs.3000-4000/- per day.
• Surgeon, Anaesthetist, Medical Practitioner, Consultants,
Specialist Fees.
• Anaesthesia, Blood, Oxygen, Operation Theatre charges,
Surgical Appliances, Medicines and Drugs, Diagnostic
Materials and X-ray, Dialysis, Chemotherapy, Radiotherapy,
cost of Pacemaker and similar expenses.
 Common 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 up to a sum of Rs.750/- per hospitalization and overall limit of
Rs.1500/- per policy period  
Health Policy Benefits Pre-Hospitalization & Post-
Insurance Hospitalization
Product
1. Star Unique HIV positive persons Covers HIV positive persons except for Pre-hospitalization medical expenses upto 30
Health opportunistic infections and treatment for HIV / AIDS. The minimum days prior to the date of admission.
CD 4 count at the time of entry should be 350.   Post-hospitalization – a lumpsum calculated at
Non Allopathic Treatments Up to 25% of sum insured subject to a 7% of the hospitalization expenses (excluding
maximum of Rs.25000/- per occurrence, per year of insurance.   room charges) subject to a maximum of
Rs.5,000/-.  
2. Medi Classic Same as above

3. Family Health Same as above

Optima
4. Super Surplus

5. Star health Gain -Covered for outpatient limits also. Same as above
-Hospitalisation expenses under the following heads are payable:  
Room rent or boarding up to 2% of the sum insured, subject to a
maximum of Rs 4000 per day in Class A cities; 1% of the sum insured,
subject to a maximum of Rs 3000 per day in Class B cities; 1% of the
sum insured, subject to a maximum of Rs 1000 per day in subject to a
maximum of Rs 1000 per day in other locations.

6. Star Wedding •Expenses for delivery of child (Caesarean/Normal Delivery – for one Same as above
Gift delivery only) upto the limits
• Pre natal and Post natal expenses included
•Newborn baby cover (including Congenital disorders/defects)
•Post delivery Complication cover for mother after delivery
• Cost of test incurred for detecting any disorders in the Foetus upto
Rs. 1,000/- (after a waiting period of 27 months). The waiting period
of 27 months is reduced to 15 months when the policy is taken for a
period of 4 years.
•Upto 25% of sum insured per occurrence, subject to a maximum of
Rs. 25,000/- per policy period.

7. Diabetes Safe Hospitalization Cover :Boarding and room charges at 2% of the sum
insured subject to a maximum of Rs.2500 per day in Class A cities and
Rs.1250 per day in other locations
8. Senior Citizen Hospitalization Cover: Post-hospitalization - a lumpsum calculated at
 What cannot be claimed?

• Treatment of disease/sickness/illness contracted by

the Insured Person during the first 30days from the
commencement date of the policy.
• Expenses incurred for non-allopathic treatment
• Naturopathy treatment
• Expenses which are purely diagnostic in nature
with no positive existence of any disease
• Expenses which are mainly cosmetic in nature  
Health Insurance
Product
1. Star Unique Health
2. Medi Classic
3. Family Health Optima
4. Super Surplus
5. Star health Gain
6. Star Wedding Gift
7. Diabetes Safe
8. Senior Citizen Red Carpet
9. Star Netplus
10. Star Criticare Plus
What Cannot Be Claimed?
•Treatment of Congenital external disease/defects/anomalies
•Treatment of external Congenital disease/defects/anomalies
•Treatment of congenital diseases/defects/anomalies
•Treatment of external Congenital disease/defects/anomalies
•Expenses for treatment of any illness/diseases/condition which are pre-existing.
•Not applicable for child delivery claims.  
• Expenses for delivery of a child within 36 months of continuous coverage from
the date of commencement of this policy with the company. The waiting period of
36 months is reduced to 24 months when the policy is taken for a period of 4
years.
•Treatment of Congenital external defects/anomalies (except for New Born)
•Expenses on treatment of Diabetes Mellitus Type II
•Cost of immune-suppressive drugs/ medicines
•Treatments currently availed or availed during the previous 12 months from date
of proposal
•Expenses incurred in treating HIV
• All medical conditions that existed prior to the commencement of cover, except
those specifically covered
• AIDS confirmation within 90 days of commencement of the policy
 Star Unique Insurance Policy

• Star Health brings you this Unique insurance policy with unique benefits
for – coverage for both future ailments / diseases and for pre existing
diseases / conditions.
•   Policy Period
• This is a two year policy. The sum insured and sub limits are for each year
of insurance and cannot be cumulated or carried forward.
• What cannot be claimed?
• First two Years exclusions : Cataract, Hysterectomy (abdominal and Vaginal),
Dysfunctional Uterine Bleeding (DUB) Fibroid Uterus, Prolapsed Uterus,
Myomectomy, Cystectomy, Treatment of Internal Derangement of Knee (other than
caused by an accident), Treatment for Joints (other than caused by an accident), other
Arthroscopic procedures, Inter-Vertebral Disc Prolapse (other than caused by
accident), Degenerative Vertebral and Disc diseases, Varicose veins and Varicose
ulcers, Thyroiditis, Treatment of Goitre, Tympnoplasty, Mastoidectomy Glaucoma.
These are not payable irrespective of whether they are Pre-Existing or not.
• First year exlusions : Deviated Nasal Septum, Benign Prostate Hypertrophy, Hernia,
Hydrocele, Congenital Internal diseases/defects, Fistula in anus, Piles, Fissure in anus,
Sinusitis, and related disorders, Nasal Polyps ,Post trauma non union / mal union,
Cholecystectomy, Gall Bladder Calculi and Renal Calculi If any of these are Pre-
Existing they will be covered after 24 months of continous insurance with the
Company.
• During the first 48 months of continuous operation of this Insurance cover the
expenses on Stapedectomy, Bone marrow transplant, Cirrhosis of liver with or without
portal Hypertension, Hepatitis, Loss of vision partial / total including Retinopathy,
Retinal Detachment, Macular degeneration and Papill Oedema, all types of Cancer,
Nephropathy and Chronic Kidney diseases and Implant Removal shall not be payable
if these are Pre-Existing at the commencement of this insurance.
• 30% of each and every admissible claim.
 Medi Classic

• The comforts and luxuries of today's life come at a price-the price of uncertainties.
Of the uncertainties, health of oneself and one's family is of prime concern. Add to
this, the fact that medical expenses are getting dearer. One ailment is all it takes to
wipe out years of savings that was meant to realize your dreams.
• Mediclassic Insurance from Star Health is a policy that aims to provide
reimbursement of hospitalization expenses incurred as a result of
illness/disease/sickness and/or accidental injuries, so that you can keep your
dreams alive.

What cannot be claimed?

• 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
 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
• What cannot be claimed?
• 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
 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.
• 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)  
• No ceiling on ICU, medicine, diagnostic charges or consultation fee
 Star Health Gain Insurance
• Combine the financial prudence of a significant Tax saving with the necessary
health cover for your family. Avail of the maximum tax benefit with Star Health
Gain Insurance paying a very affordable premium. What's more, it extends both
outpatient and inpatient hospitalization expenses. Two facets of gain indeed.  
• Major Product Features
• Flat amount of Rs 14,725 only irrespective of the sum insured or age of the
persons or number of persons covered
• Coverage for both inpatient and outpatient treatments under one health insurance
policy
• Any unutilized amount under outpatient benefit can be carried forward to the
next one year.  
• What cannot be claimed?
• 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
 Star Wedding Gift Insurance Policy
•The comforts and luxuries of today’s life come at a price – the price of uncertainties. Of the uncertainties,
health of oneself and one’s family is of prime concern. Add to this, the fact that medical expenses are
getting dearer. One ailment is all it takes to wipe out years of savings – that was meant to realize your
dreams. Can there be a better gift for wedding than Star Wedding Gift policy.  
•Policy Period
Policy is offered for the following periods :1 year, 2 years ,4 years
•Free Look In Period
•Free look period of 15 days from the date of receipt of policy is available (under 4 year period policy
only).
•During the free look period if the insured persons is not satisfied, he/she has option to cancel the policy.
On doing so the premium paid will be refunded after deduction of 5% subject to there being no claim
What cannot be claimed?
•First Two Years Exclusions: Cataract, Hysterectomy, Dysfunctional Uterine Bleeding (DUB), Fibroid
Uterus, Prolapsed Uterus, Treatment of Internal Derangement of Knee (other than caused by an accident),
Treatment for Joints (other than caused by an accident), Intervertebral Disc Prolapse (other than caused by
accident), degenerative Vertebral and Disc diseases, Varicose veins and Varicose.
•First year Exclusions : Deviated Nasal Septum, Benign Prostate Hypertrophy, Hernia, Hydrocele,
Congenital Internal disease/defect, Fistula in anus, Piles, Fissure in anus, Sinusitis, and related disorders,
Nasal Polyps, gall bladder calculi and renal calculi
 Diabetes Safe
• Over one-fifth of those suffering from Diabetes the world over are in India and the number is
swelling year by year. If left unattended it can severely affect vital organs like eyes and the
kidneys, and therefore it needs urgent attention. Treatment for such complications can often
burn a hole in your pocket.Protection against such an eventuality is offered by Star Health's
diabetes care plan for those affected by Diabetes Mellitus Type II.  
• Coverage Offered for Specific Conditions
• Eyes: Diabetic Retinopathy requiring laser treatment.
• Kidneys: Diabetic Nephropathy leading to chronic renal failure
• Feet: Diabetic foot ulcer requiring micro-vascular surgical correction  
• Please note that persons who have already developed complications of Diabetic Retinopathy
and/or Diabetic Nephropathy leading to Chronic Renal failure and/or Diabetic foot ulcer are
not eligible to take the policy
• Benefits for Type II Diabetics
• The plan is a trailblazer among health insurance policies in India and Diabetes Care policies
in general.
• Hospitalization expenses on donor of kidney for renal transplant surgery are payable subject
to availability of sum insured
• Post-renal transplant complications on the insured person covered
• Second transplant following failure of the first transplant covered  
 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.
• Treatment at network hospitals only
• 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
• What cannot be claimed?
• 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
• 50% co-payment applicable for pre-existing diseases/conditions
• 30% co-payment applicable for all other claims
 Star Netplus
•It's a special policy from Star Health to extend a protective arm to socially isolated persons often
disowned by their family members - the Star NetPlus insurance - reaching insurance where it is most
needed. This HIV Insurance policy fills the gap where all other policies and insurers treat HIV as
exclusion.
For the first time in India, governmental agencies, NGOs and registered societies serving persons
diagnosed as HIV positive can propose their members/beneficiaries for an insurance policy specifically
designed as a health insurance for HIV to facilitate better care at the critical stage for the respective
covered persons. With several unique benefits, this HIV Care policy ensures care, anonymity and
privacy to the policy holders.
•Unique Benefits
•This policy fills the gap where all other policies and insurers treat HIV as exclusion
•Complete confidentiality of the covered persons ensured
•Facilitates better health care at the critical stage (AIDS) with financial support. Lump sum is paid at one
go once the insured reaches the AIDS stage and no bills/receipts required
•Extension of medical cover for hospitalization as an option
The Application Procedure
•Pre-insurance medical test at Star Health cost. After satisfying the eligibility criterion enrollment done
•Tests include CD4 or any other test as required
•Cost of Pre-insurance Medical Tests will be borne by Star Health
 Star Criticare Plus
•Work pressures and higher levels of stress have led to higher incidence of major
illnesses like kidney disease, tumors and heart attack particularly among urban Indians.
Star Health has a critical illness insurance policy that offers regular hospitalisation
benefits along with Major Disease benefits in one policy.
• Star Criticare Plus Insurance provides for reimbursement of hospitalization expenses
incurred as a result of illness/disease/sickness and/or accidental injuries and also
provides for a lump-sum benefit in case the insured person is diagnosed with any Major
Illness as listed in the policy for the first time during the policy period.
Star Criticare Benefits
•This policy offers critical illness insurance cover to the Insured Person under two
sections. Both regular hospitalization benefits and major diseases benefits are available
under one policy
•Section I
•Provides for in-patient hospitalization expenses for a minimum stay of 24 hours in the
hospital. Room rent up-to a maximum of 2% of the sum insured subject to a maximum
of Rs4000 per day
• Boarding and Nursing expenses ,Surgeon's fees, Consultant's fees, Anesthetist fees
•Cost of blood, oxygen, diagnostic expenses, cost of medicines and drugs,
•cost of pace maker and similar expenses
• Emergency ambulance charges for transporting the covered patient to the hospital
Section II (Major Diseases cover)
•Provides for payment of lump-sum amount equal to the sum insured opted if the insured person contracts
any one of the Major diseases for the first time
•Major Diseases Covered Under The Policy
• First Diagnosis of Cancer, Chronic Kidney Disease, Hepatoma, 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, irreversible Paraplegia, irreversible Quadriplegia
•What Cannot Be Claimed
• For Section I
• Expense incurred in the first two Years of continuous operation of Insurance cover on treatment for
Cataract, Hysterectomy for Menorrhagia or Fibromyoma, Treatment for Knee or Joint Surgery (other than
caused by an accident), Prolapse of intervertebral disc (other than caused by accident), Varicose veins and
Varicose ulcers.
• Expense incurred during the first year of operation of the Insurance on treatment of Benign Prostate
Hypertrophy, Hernia, Hydrocele, Fistula in anus, Piles, Sinusitis and related disorders, gallstones and renal
stones
•For Section II
• Expenses incurred for treatment of congenital diseases/ defects/anomalies.
•Manifestation of any of the covered Major Diseases within first 90 days from the date of commencement of
the policy. This will not apply when the policy is renewed without any break.
THANK YOU