1. Star Health and Allied Insurance Co. Ltd.,
S.V.NANDAGOPAL
SENIOR SALES MANAGER
THANKS FOR OPPORTUNITY TO SERVE
MOBILE
99949 10202 , 94431 86864 , 83000 20102
www.licnanda.blogspot.com
licnanda@gmail.com , starhealthwithu@gmail.com
வருமுன்னர்க் காவாதான் வாழ்க்கக எரிமுன்னர்
கவத்தூறு ப ாலக் ககடும். திருக்குறள்
2. Star Health and Allied Insurance Co. Ltd.,
STAR Cardiac Care Insurance
from a caring insurance company
A first of its kind policy
exclusively designed to cover
Heart patients
who have undergone
CABG ( Coronary Artery
Bypass Graft Surgery) / PTCA
(Percutaneous transluminal
coronary angioplasty)
6. Star Health and Allied Insurance Co. Ltd.,
Development of atherosclerotic
plaques
Normal
Fatty streak
Foam cells
Lipid-rich plaque
Lipid core
Fibrous cap
Thrombus
10. Star Health and Allied Insurance Co. Ltd.,
Regular Cover
+
Cardiac Cover
11. Star Health and Allied Insurance Co. Ltd.,
Age Limits
10 years – 65 Years.
Lifetime renewals
Sum Insured options – Rs.300,000 & Rs.400,000
Plan Options
Gold Plan
Silver Plan
12. Star Health and Allied Insurance Co. Ltd.,
Benefits
Hospitalization Benefit under two sections:
Section 1 –
Expenses incurred as an inpatient for treating
Sickness/Illness/Diseases and
Accidental injuries
Section 2 –
Expenses incurred as an inpatient for treating
Cardiac ailments.
Pre Hospitalization ( Section 1 & 2)
Post Hospitalization ( Section 1 & 2)
Day care procedure (Section 1)
13. Star Health and Allied Insurance Co. Ltd.,
Gold Plan
Section 1 - Expenses incurred as an inpatient for treating
Sickness/Illness/Diseases and Accidental injuries
Section 2 - Expenses incurred as an inpatient for Surgery
/Intervention (Stenting) and also Medical Management of Cardiac
ailments
Silver Plan
Section 1 - Expenses incurred as an inpatient for treating
Sickness/Illness/Diseases and Accidental injuries
Section 2 - Expenses incurred as an inpatient for Surgery
/Intervention (Stenting) only
14. Star Health and Allied Insurance Co. Ltd.,
Co pay
10% co pay on every admissible claim for fresh proposals above 60
years of age.
Waiting period
for section 1 -30 days / Section 2 – 90 days
Allowable Expenses
Room rent & boarding charges @ 2% of the sum
insured up-to a maximum of Rs. 5,000/- per day
Nursing charges, Surgeons, Anesthetist, Consultants
and Specialists fees
Operation Theatre charges, drugs and medicines
diagnostic materials, cost of stents, Implants and
pacemaker, etc
15. Star Health and Allied Insurance Co. Ltd.,
Underwriting guidelines:
Pre acceptance medical screening for all persons
irrespective of the age.
Centralized underwriting at Corporate Office.
The following documents are mandatory
Discharge Summary (while admitted for PTCA/CABG)
and CD given at the time of discharge
ECG / Echo Cardiogram not older than 3 months
All investigations done prior to, during hospitalization and
at the time of follow up
Serum Creatinine and Urine routine tests
16. Star Health and Allied Insurance Co. Ltd.,
Allowable Expenses…
Emergency Ambulance charges to go to Hospital for
treatment @ Rs 750/- per hospitalization up to a
maximum of Rs 1,500/- per policy period
Pre-hospitalization expenses incurred for a period of 30
days prior to the date of hospitalization
Post hospitalization expenses incurred for a period of
60 days on a lump-sum basis @ 7% of the actual
hospitalization expenses (excluding room rent and
hospital registration charges), subject to a maximum of
Rs. 5,000/-
17. Star Health and Allied Insurance Co. Ltd.,
Day care Procedure
Minimum of 24 hours Hospitalization is not necessary
for 101 specified procedures.The standard exclusions
and waiting period are applicable.
Sublimit for Cataract is Rs.20,000 per eye subject to
maximum of Rs.30,000 Per policy period
19. Star Health and Allied Insurance Co. Ltd.,
Cataract, Glaucoma, Retinal detachment/ macular
degeneration,
Disc Prolapse ( PIVD -other than caused by accident),
Varicose veins and varicose ulcers,
Benign prostatic Hypertrophy, Hydrocele,
Deviated Nasal septum, Sinusitis,
Tonsillitis, Nasal polyps,
Ear discharge (CSOM) and related disorders,
Stapedectomy,
Hernia, Fistula/Fissure in Ano and hemorrhoids
Congenital internal disease/defects
Exclusions
Treatments Payable after first two years of insurance cover
20. Star Health and Allied Insurance Co. Ltd.,
All treatments -conservative, interventional,
laparoscopic and open for
Hepatobillary, gall bladder, pancreatic calculi and
Genitourinary calculi
Uterine prolapse,
Dysfunctional Uterine Bleeding,
Fibroids, Pelvic Inflammatory Diseases,
All diseases of fallopian tubes and ovaries.
Exclusions Contd.,
21. Star Health and Allied Insurance Co. Ltd.,
Conservative and operative treatment of joint diseases
[other than caused by accident]
All types of joint replacement
(other than caused by accident)
Degenerative disc and vertebral diseases
Degenerative diseases of the musculo-skeletal system
All PED other than Cardiac covered after 48 months of
continuous coverage with STAR.
Any disease contracted by the insured person during the
first 30 days from the commencement date of the policy
Exclusions contd.,
22. Star Health and Allied Insurance Co. Ltd.,
Naturopathy Treatment
Maternity Related Expenses
Dental Treatments
Stem cell implantation and / or therapy
Expenses incurred on Enhanced External Counter
Pulsation therapy and related therapies and Rotational
Field Quantum Magnetic Resonance Therapy and such
other similar therapies
Cost of spectacles and contact lens, hearing aids ,cochlear
implants, walkers, and crutches, wheel chairs, CPAP,
CAPD, infusion pump and such other similar aids.
Expenses incurred for Diagnostic treatments
All other permanent exclusions remain the same.
Other Important Permanent Exclusions
24. Star Health and Allied Insurance Co. Ltd.,FHO- 24
• ALSO WE PROVIDE
• LIFE INSURANCE
• HEALTH INSURANCE
• CHILD FUTURE PLANS
• TAX SAVING & PLANNING
• PAN CARD & PASSPORT
• MOTOR VEHICLE INSURANCE
• IMPORT & EXPORT INSURANCE
• INDIVIDUAL,FAMILY,GROUP &
CORPORATE INSURANCE
NEEDS