Employee benefits of star company.

2. Employee Insurance Benefit Manual
2019 : July 1, 2019 to June 30, 2020

3. Agenda
STAR reserves the right to modify / extend the policy conditions without any prior notice
Group Health
Insurance
• Coverage details
• Plan overview
• Maternity benefit
• Co-pay illustration
• Enrolment
• Inclusions & exclusions
• Third Party Administrator
services
• Cashless process
• Reimbursement process
• Contact details
Personal Accident
Insurance
• Plan overview
• Disability compensation
• Exclusions
• Claim process
Term Life
Insurance
• Plan overview
• Claim process
• Contact details

4. Group Health Insurance
July 1, 2019 to June 30, 2020

5. Coverage details
Particulars Details
Insurer The New India Assurance Co. Ltd.
Third Party Administrator (TPA) Paramount Health Services & Insurance TPA Pvt. Ltd
Insurance Broker Willis Towers Watson India Insurance Brokers Pvt. Ltd.
Validity July 1, 2019 to June 30, 2020
Plan Type Family Floater
Sum insured INR. 500,000
Beneficiaries
(declaration should be at renewal
or at the time of joining the
company)
Employee Full time employee on India Payroll of STAR Group of Companies
Legally wedded
spouse or LGBT
partner (as domestic
partner)
Spouse – declaration should be made within 30days from the date of marriage
LGBT Partner - Provided declaration made to Star that the person to be covered is a domestic partner.
Change in domestic partner during the policy period (mid – term) is not be allowed.
At the point of claim, the insurer reserves the right to the following only if there is a shade of doubt on eligibility:
• Both should have long term relationship and stay together as life partners (not a blood relative/cousin) for
more than 12 months
• Proof of living in the same residence will be required as and when required
• In laws cannot be added. Only employee parents additions allowed
All children
Children can be enrolled under insurance up to 21 years; 25 years if in full time education
New born child declaration should be made within 30 days from the date of birth
Two parents/parents
in law
Parents or parents in law declaration should be done at the start of the policy . If one of the parent is deceased, then
the parent in law can be added and the cross combination will be allowed, subject to overall count of only two.
Change in parent details during the policy period (mid – term) is not allowed.
Family Floater means employees and their dependents together are eligible for the entire sum insured . Any one member or all of them can use the
annual limit. There is no individual sub limit applicable.
STAR reserves the right to modify / extend the policy conditions without any prior notice

6. Plan overview
Features Applicability
In-patient hospitalization expenses
Covered, towards active line of treatment which requires
hospitalization for more than 24 hours
Pre-existing diseases Covered
Waiting periods Not applicable
Baby’s coverage from date of birth
Covered up to family sum insured limit, provided the employee
declares the new born within 30 days from date of birth
Ailment Caps Not applicable
Day care procedures
Covered
(Listed Day care procedures, where in 24 hours stay is not required)
Ambulance charges INR 1,500 / per incident
Room rent eligibility
Standard Hospital room Single Pvt A/C Room
ICU No limit applicable
30 days pre and 60 days post hospitalization expenses Covered
STAR reserves the right to modify / extend the policy conditions without any prior notice

7. Plan overview
Features Applicability
Co-pay on all parent claims 20% Co-pay on every parental claim payable by employee
Ayurvedic treatment
Claims are restricted to 25% of the sum insured per family. The treatment
needs to be taken in Government recognized and registered hospital
Hospitalization due to terrorism Covered
Cyber Knife Treatment & Stem Cell Transplantation
25% co-pay applicable on the eligible claim amount.
No co-pay on bone marrow transplantation which falls under
Stem cell
Cochlear Implant treatment 50% of the sum insured payable
Dental treatment (for Employees only)
OPD expenses towards root canal, tooth removal and periodontal
treatment will be covered up to INR 25,000 (fillings, braces, dentures,
crown and tooth cleaning will not be payable)
STAR reserves the right to modify / extend the policy conditions without any prior notice

8. Plan overview
Features Details Applicability
In Vitro Fertilization (IVF) -
Two events of INR 100,000 each will be
covered only during your tenure at Star Group
HIV related treatment
(Hospitalization expenses)
Reimbursement basis only Covered
Cancer treatment at home / hospital
Adjuvant Chemotherapy, Hormone
therapy, Oral / Subcutaneous
Chemotherapy taken at home or hospital
Payable up to INR 200,000 within policy
period
Cash Benefit for Cancer Treatment
Coverage only for employees. Lump sum
one time benefit, provided first time
detected during policy period.
INR 30,000 (over & above sum insured).
Age related macular degeneration Injection Avastin and Lucentis Payable up to 50% of admissible claim
Congenital external ailments
if medical in nature (Cosmetic surgery not
covered)
Payable up to 50% of admissible claim
STAR reserves the right to modify / extend the policy conditions without any prior notice

9. Plan overview
Features Details Applicability
Tuberculosis treatment on OPD basis Reimbursement basis only
Sub limit of INR 25,000 per person per policy
period
Loss of Pay
Coverage only for employees. Not
exceeding actual salary as a loss of pay
for employee suffered accidental and
critical ailment subject to entire leave of
employee has been exhausted.
INR 20,000 per week maximum payable up
to 6 weeks (over & above sum insured).
Death cases (employee)
100% settlement without any deduction in
case of death claims of employees
( No co-pay, no non medical expenses)
Covered
Death cases (employee) - dependent
coverage
Coverage to dependents of deceased
employees till expiry of the policy
Covered
STAR reserves the right to modify / extend the policy conditions without any prior notice

10. Maternity benefit
Features Applicability
Normal delivery INR 50,000
Caesarian section delivery INR 75,000
Baby expenses within maternity limit Covered
Pre & Post natal expenses
(within the maternity limit)
OPD bases INR 5,000, within maternity sub limit
Hospitalization actual, within maternity sub-limit
STAR reserves the right to modify / extend the policy conditions without any prior notice
Maternity benefit covers expenses related to normal delivery, caesarian section delivery, complications and maternity
related cost as per the insurance policy for Employees and their spouse.
• If the member has 2 living children, then third maternity event will not be payable.
• Expenses incurred in connection with voluntary medical termination of pregnancy during the first 12 weeks from the
date of conception are not covered.
• Reimbursement of cost towards infertility related treatments/ procedures paid within maternity limit i.e. INR 50,000 or
actuals which ever is lower.

11. Co-Pay illustration
Point Particulars Example 1 Example 2 Example 3
A Sum Insured 500,000 500,000 500,000
B Claimed Amount 250,000 550,000 750,000
C Non Medical Expenses 5,000 5,000 5,000
D Eligible Medical Amount (B-C) 245,000 545,000 745,000
E 20% Co-pay Amount on (D) 49,000 109,000 149,000
F Payable Expenses (D-E) 196,000 436,000 596,000
G Settlement Amount (lower of A or F) 196,000 436,000 500,000
H Member pocket expenses (B - G) 54,000 114,000 250,000
I Balance Sum Insured 304,000 64,000 -
STAR reserves the right to modify / extend the policy conditions without any prior notice
20% Co-pay is applicable towards all eligible parents/ in laws claims

12. Insurance Update
STAR reserves the right to modify / extend the policy conditions without any prior notice
REFERENCE : Laboratory/ Diagnostic Reports
As per The New India Assurance Company policy guidelines :
• Laboratory Report can be counter signed only by a Registered Medical Practitioner with a post graduate qualification in Pathology.
• Any report (in the hospitalization / pre- post claim) submitted without duly signed and stamped by Registered Medical Practitioner with a post
graduate qualification on Pathology will not be accepted and claim shall be rejected fully or partially.
Surgeon/Anesthesia bills
• Surgeon & Anesthesia charges should be included in main final bill issued by hospital.
• The bills raised by Surgeon, Anesthetist directly and not included in the hospitalization bill may be reimbursed in the following manner:-
 The reasonable, customary and necessary Surgeon fee and Anesthetist fee would be reimbursed, limited to the maximum of 25% of
Sum Insured or actuals whichever is lower subject to payment is done through cheque.
 The payment shall be reimbursed provided the insured pays such fee(s) through cheque and the Surgeon / Anesthetist provides a
numbered bill. Bills given on letter-head of the Surgeon, Anesthetist would not be entertained.
 Fees paid in cash will be reimbursed up to a limit of Rs.10,000/- only, provided the Surgeon/ Anesthetist provides a numbered bill.

13. Enrolment
STAR reserves the right to modify / extend the policy conditions without any prior notice
Renewal Enrolment
• You and your existing dependants will be insured effective
July 1, 2019
• You will receive your login credentials in July, 2019 by
Paramount TPA via email id
helpdesk.phs@paramounttpa.com
• If you wish to make any changes or add/delete dependant
details, please email to benefits@startv.com
• The timeline to notify / make changes or include any
dependants is till end of July from the receipt of email send
by STAR HR team
• ID cards mailers will be triggered by Paramount TPA in last
week of Aug, 2019
Mid- term inclusions
• Dependant details of new joinees should be enrolled with in
20 days from date of joining
• Employee marriage – Spouse should be enrolled within 30
days from date of marriage
• New born baby - child should be enrolled within 30 days of
the birth (E.g. Baby of Employee Name)
• Adoption of a child – Named child should be enrolled with
30days
TPA ID cards
• Download your ID card from the TPA portal
• This e-card is not transferable. Each insured life will be
issued an e-card. This card is a form of identification
only and can be used to gain admission in case of an
emergency only. However, the pre-authorization process
has to be completed to avail cashless hospitalization.
Things to remember
• Please enroll your dependants within the stipulated time
frame.
• Failing to do so will lead to the dependant being
uninsured until the next renewal i.e. in July 2020
• Any claim towards the un-insured dependant will not be
registered for the current policy period.

14. Inclusions & exclusions
STAR reserves the right to modify / extend the policy conditions without any prior notice
Includes Excludes
The expenses are payable provided they are incurred in
India and within the policy period.
Only “in-patient” hospitalization expenses – Room rent,
doctors fees, OT charges, medicines, ambulance charges
up to INR 1,500 (per occurrence),consumables etc.
Non - Medical Expenses - Registration/Admission fees,
hospital surcharge, food bills for attendants, extra bed,
private nurse, telephone charges, pharmacy charges for
non-medical items etc.
Duty doctor charges / RMO/ DMO charges will not be
payable separately
Active treatment with minimum 24 hours
hospitalization, however for certain day care procedures
like cataract, chemotherapy, dialysis, lithotripsy this
condition does not apply
Hospitalization for diagnostic tests only not followed by
active line of treatment even if prescribed by a medical
practitioner
Pre-hospitalization expenses of 30 days before admission
and post hospitalization expenses for 60 days after
discharge for an eligible hospitalization.
Other standard policy exclusions

15. Exclusions
Exclusions
Dental treatment without hospitalization unless arising due to an accident
Instruments used for Sleep Apnea & Peritoneal Ambulatory dialysis. Oxygen
Concentrator for Bronchial Asthmatic condition.
Lasik eye Surgery or eye correction surgery
Convalescence, general weakness, sterility , venereal disease, genetic disorder,
intentional self injury under influence/ use of intoxicating drugs/ alcohol, self
injury, psychiatric treatment, Expenses related to AIDS, use of tobacco leading
to cancer
Vitamins and tonics unrelated to treatment are not payable
Out-patient diagnostic/medical/surgical procedures/treatments, non-prescribed
drugs/medical supplies/hormone replacement therapy, sex change or any
treatment related to this is not within the scope of the policy
Circumcision, vaccination, inoculation, cosmetic treatment, plastic surgery
excluded if not arising due to a accident or illness
Stay in hospital for domestic reason where no active regular treatment is given
by specialist
Equipment used for hearing defects and Ambulatory devices are not within the
scope of the policy
Naturopathy, unproven procedure/treatment not approved by Indian Medical
Council, experimental or alternative medicine/treatment including acupuncture,
acupressure, magneto-therapy, massages, steam bath and alike treatment under
Ayurvedic treatment; health hydro/nature care clinic & similar establishments
are not payable.
Spectacles, contact lenses, hearing aids; external prosthetic devises, etc.
Injury or disease directly or indirectly caused by or arising from or attributable to
war or war-like situations and by nuclear weapons
Any out come of a condition which is a directly or in directly because of AIDS is
excluded
Voluntary termination of pregnancy & Procedures related to contraception
Diagnostic, X-Ray or Laboratory examination not consistent with or incidental to
the diagnosis of positive existence and treatment of any ailment, sickness or
injury, for which confinement is required at a Hospital or Nursing Home.
Domiciliary Hospitalization, Experimental Treatment, change of treatment from
one system to another unless recommended by doctor, treatment taken outside
India
Note: Above are general exclusions and should not be interpreted as exhaustive or conclusive in nature.

16. Paramount TPA Services
STAR reserves the right to modify / extend the policy conditions without any prior notice
TPA – Paramount Health Services.
• ID - cards for identification at network hospitals
• Cashless Hospitalization
• Claims Administration
• 24 X 7 telephonic helpline
• Dedicated e-mail ID for general queries
One Click for everything in healthcare:
mWᴉSE – Paramount TPA App
Mobile app "Paramount TPA" for Android users
Mobile App can be downloaded from play store

17. Paramount website access
STAR reserves the right to modify / extend the policy conditions without any prior notice
Access via website
• Log on to website https://www.paramounttpa.com/star/
• Click on employee log in
• Input new employee code as the USER NAME
• Input your date of birth as PASSWORD
• Click on “Policy Details” to view dependent details, policy number, policy period and insurance company details
• Click on E-card to download ID cards
• Click on claim details to check claim status
• Click on claim documents to check scan copies of submitted claim documents

18. Hospitalization process
Planned & emergency in & out of network
STAR reserves the right to modify / extend the policy conditions without any prior notice
• Planned
• Emergency
Hospitalization
Network Hospital –
Cashless Facility
• Follow the reimbursement process
Non network Hospital -
Reimbursement
• Check for network hospitals on the TPA
website
• Submit cashless request form to TPA at
least 4 days in advance
• Follow the cashless process
Planned Hospitalization
• Get the patient treated at the nearest
hospital
• Notify the hospital that your TPA is
Paramount Health Services &
Insurance TPA Pvt Ltd
• Verify hospital is in TPA network or not
• Follow the cashless process
• If the hospital is not on the network ,
then follow the reimbursement process.
Emergency Hospitalization

19. Cashless process
STAR reserves the right to modify / extend the policy conditions without any prior notice
Member approaches network hospital
with TPA ID Card
Hospital intimates TPA and sends the
Pre-authorization/Cashless request
TPA scrutinizes the request. Issues
Initial Approval letter/Additional information
letter/Denial Letter as per requirement and
coverage
Member bears out pocket non medical
expenses or entire hospital bill if not
covered under policy conditions & any
other non-admissible items
At the time of discharge member signs the
final bill and
leaves back all the documents. Member takes
photocopies of all documents
• Cashless can be availed in the listed network hospitals
• Please notify the hospital that your TPA is – Paramount Health Services &
Insurance TPA Pvt Ltd
• Till such time your e-cards are available, please quote your employee ID to the TPA
call centre
• The network hospital will ask for some nominal deposit which is refundable
• Employee pays the expenses if hospitalization not covered under policy conditions &
non-medical expenses
• At the time of discharge employee signs the Final bill and leaves back all the original
documents
• Retain the photo copies of all the original documents(if required for personal reasons)
before leaving the hospital
• Collect all original receipts of all payments/deposits done to hospital, medicines
purchased from outside the hospital along with prescriptions
• Employee can represent a claim as reimbursement if denied at the cashless stage
• Minimum TAT of 3-4 Hours and in emergencies 2 hours, incomplete information can delay the
process
• Incase of planned hospitalization intimation at least 2-3 days before date of admission and
incase of emergency within 24 of admission.
• The denial of authorization for cashless access does not mean denial of treatment and does not
in any way prevent you from seeking necessary medical attention or hospitalization

20. Reimbursement process
STAR reserves the right to modify / extend the policy conditions without any prior notice
• Employee or Beneficiary gets
admitted into hospital
• Contact call Centre / intimate
through online Claim Intimation on
TPA portal prior to/within 48 hrs
from date of admission
• Claims registered and
Processed
• Deficiency Intimation email
• Claims Approved / Denied
• Settlement/Denial Letter sent to
Claimant / Beneficiary
• Submit the duly filled Claim form
and along with all original
documents at the TPA office.
Within the 15 days from date of
discharge.
• During discharge settle all the bills
• Collect all the original documents
like Cash paid receipts, Discharge
summary, Test reports etc…
• Claim Settlement through NEFT
• Maximum TAT for payment
subject to availability of all
necessary documents will be
15-21 working days

21. Reimbursement process
Claim documents checklist
STAR reserves the right to modify / extend the policy conditions without any prior notice
Collect all the documents in ORIGINAL from the hospital and submit it to TPA for reimbursement.
List of documents to be submitted to TPA
• Completed Claim form with Signature
• Hospital bills in original (with bill no; signed and stamped by the hospital) with all charges itemized and the original receipts
• Original Discharge Summary / Card
• Attending doctors’ bills and receipts and certificate regarding diagnosis (if separate from hospital bill)
• Original reports or attested copies of Bills and Receipts for Medicines, Investigations along with Doctors prescription in Original and Laboratory
• Doctors Prescription, Pre – Post Hospitalization bills (in original).
• Original Bills of surgical appliances if purchased by you.
• Provide Break up details including Pharmacy items, Materials, Investigations even though it is there in the main bill
• Follow-up advice or letter for line of treatment after discharge from hospital, from Doctor
• In case the hospital is not registered, please get a letter on the Hospital letterhead mentioning the number of beds and availability of doctors and nurses
round the clock.
• In non- network hospital, you may have to get the hospital and doctor’s registration number in Hospital letterhead and get the same signed and stamped by
the hospital, if required
• Consultation papers with treatment details
• Photocopies of Indoor Case Sheet (wherever applicable) etc, attested by the hospital
• Government Photo ID proof of the claimant (patient)
• Aadhaar and PAN card copy of the employee
• Cancelled cheque of employee bank account
Note: All above documents in originals have to be submitted within 15 days from the date of discharge to the TPA. There may be additional documents
other than the above mentioned list, required by the TPA based on specific treatment.
Please retain a photocopy of all claim documents before submission

22. Reimbursement process
Important points to note
STAR reserves the right to modify / extend the policy conditions without any prior notice
What happens when submitted documents are incomplete?
If there are discrepancies /requirements/deficiencies in the documents TPA will issue a letter/email listing the deficiencies . In case of
non-receipt of documents from your end at the end of the period, we will do the following:
• In case the missing documents are mandatory for e.g. the Signed Claim Form, Main Hospital Bill with breakups, Discharge Summary
etc, the entire claim will be sent back to you and the claim stands rejected.
• In case of any other missing documents, the claim will be assessed after deduction of the appropriate amount and process the
balance amount.
How much time does it take to settle a claim?
• If the claim is complete in all respect TPA will normally settle within 21 working days from the date of receipt of complete documents.
Sometime TPA may settle the claim, deducting the amount pertaining to deficient document.
• When the deficient documents are submitted; TPA will reopen the file and pay for the same if they are payable under the policy.
What about pre and post hospitalization expenses?
If you have incurred any pre - post hospitalization expenses which are permissible under policy you may submit a supplementary claim along
with relevant documents immediately after permitted pre post hospitalization period.
TPA will scrutinize the same with reference to the main hospitalization claim and settle the same.

23. Do’s & don’t
STAR reserves the right to modify / extend the policy conditions without any prior notice
Do's
• Enrollment of dependants within 30 days of marriage / birth
• Claim submission within 15 days from the date of discharge in case of non network hospital
• All non medical expenses will have to be paid at the hospital before discharge
• All original documents will have to be submitted at the time of the claim in case of reimbursement claims
• Please submit all the paid receipts if any amount has been paid at the hospital other than the non medical expenses and co-
pay
Don'ts
• Delayed or non declaration of a dependant within time will lead to the dependent being un-insured
• Delayed addition of dependant will lead to rejection of the claim
• Incomplete documentation will lead to rejection or reduction in reimbursement
• Delay in claim submission can lead to rejection of the claim

24. Third party administrator
Contact details
STAR reserves the right to modify / extend the policy conditions without any prior notice
For all medical queries and assistance please contact TPA
Website www.paramounttpa.com
Telephone number +91 22 6662 0808 contact.phs@paramounttpa.com
Account Manager – Mr. Devendra Matwandkar +91 770 09 07 720 devendra.matwandkar@paramounttpa.com
Reimbursement documents need to be
submitted to:-
Paramount Health Services & Insurance TPA Pvt. Ltd.
Plot No. A-442,Road No. 28,
M.I.D.C., Industrial Area,
Wagale Estate, Ram Nagar,
Vitthal Rukhmani Mandir,
Thane West - 400604

25. Paramount TPA Helpdesk Schedule – STAR
offices
STAR reserves the right to modify / extend the policy conditions without any prior notice
Sr.
No
Location Day Timing
1 Mumbai Monday to Friday 10 am to 6 pm
2 Hyderabad Every Thursday 3 pm to 5 pm
3 Bangalore Every Wednesday 11 am to 1 pm
4 Chennai
Every Monday /
Thursday
11 am to 1 pm
5 Kolkata Every Tuesday 11 am to 1 pm
6 Gurgaon Every Tuesday 11 am to 1 pm

26. Willis Towers Watson
Contact details
STAR reserves the right to modify / extend the policy conditions without any prior notice
Willis Towers Watson will act as an escalation point to TPA
Contact person Custodio Fernandes
Email ID custodio.fernandes@willistowerswatson.com
Telephone +91 932 39 56 589
Address
Willis Towers Watson India Insurance Brokers Pvt Ltd
Level – 5, Grande Palladium,
175,CST Road,
Off Bandra Kurla Complex,
Kalina, Santacruz (East)
Mumbai– 400 098

27. Personal Accident Insurance
July 1, 2019 to June 30, 2020

28. Plan overview
STAR reserves the right to modify / extend the policy conditions without any prior notice
Sum Insured: 72 times monthly basic salary with a minimum of 20 lakhs
Insured member: Employee
Insurer: The New India Assurance Co Ltd
Cover: Disability arising out of an accident
Geographical Limits: World Wide
Coverage under Disability:
• Temporary Total Disability(TTD): If an employee is temporarily disabled and cannot engage in any employment or occupation then 1% of
the 24 times monthly basic salary or INR 25,000 which ever is less is payable up to 100 weeks
• Permanent Partial Disability(PPD): If an employee is partially disabled wherein the result is irrecoverable loss or use or actual loss by
physical separation of body part, then a certain compensation is payable as per schedule
• Permanent Total Disability(PTD): If an employee is permanently and totally disabled wherein the employee cannot engage in employment
or occupation then 100% of the sum insured is payable as per the schedule
• Medical Expenses: Medical Expenses up to 40% of claim amount or 10% of Sum insured or actual medical bills submitted which ever is
lower. This is applicable only when the claim is admissible under benefit disability.

29. Disability compensation
STAR reserves the right to modify / extend the policy conditions without any prior notice
Sr. No Type of disability Percentage of Sum Insured
1 Loss of both eyes 100%
2 Loss of both hands 100%
3 Loss of both feet 100%
4 Loss of one entire hand and one entire foot 100%
5 Loss of one eye and such loss of one entire hand 100%
6 Loss of use of two hands or two feet, or of one hand and one foot 100%
7 loss of sight of one eye and such loss of use of one hand or one foot 100%
8 Permanent inability of engaging in being occupied with or giving attention to any employment or occupation 100%
9 Loss of sight of one eye, or of the actual loss by physical separation of one entire hand or of one entire foot 50%
10 Total and irrecoverable loss of use of a hand or a foot without physical separation 50%
11 Loss of toes – all 20%
Great – both phalanges 5%
Great – one phalanx 2%
Other than great, if more then one toe lost for each 1%
12 Loss of hearing – both ears 75%
Loss of hearing – one ear 30%
13 Loss of four fingers and thumb of one hand 40%
Loss of four fingers 35%
Loss of thumb – one phalanx 25%
both phalanges 10%
Loss of index finger – three phalanges or two phalanges or one phalanx 10%
Loss of middle finger – three phalanges two phalanges or one phalanx 6%
Loss of ring finger – three phalanges or two phalanges or one phalanx 5%
Loss of little finger – three phalanges two phalanges or one phalanx 4%
Loss of metacarpals – first or second or third, fourth or fifth (additional) 3%
Indicative list - Any other permanent partial disablement, as assessed by the panel doctor of the company

30. Exclusions
STAR reserves the right to modify / extend the policy conditions without any prior notice
Below mentioned activities shall be outside the scope of the policy:
• Professional sports team in respect of specific benefit for inability to perform
• Participation in any kind of motor speed contest.
• While engaged in aviation, or whilst mounting or dismounting from or traveling in any aircraft.
• Underground mining & contractor specializing in tunneling
• Naval, military or air force personnel
• Radioactivity, Nuclear risks, ionizing radiation
Exclusions
• Suicide, attempt to Suicide or intentionally self- inflicted injury, sexually transmitted conditions, mental disorder, anxiety, stress
or depression.
• Being under influence of drugs, alcohol, or other intoxication or hallucinogens
• Participation in actual or attempted felony, riot, civil commotion, crime misdemeanor
• Committing any breach of law of land with criminal intent.
• Death or disablement resulting from Pregnancy or childbirth
Note: Above are general exclusions and should not be interpreted as exhaustive or conclusive in nature.

31. Claim process
STAR reserves the right to modify / extend the policy conditions without any prior notice
•Accident Intimation to insurance company within 48 hours.
•Claim needs to be submitted within a week once the employee has joined back after medical leave of absence due to accident
•Following documents are required to be submitted
•Claim form
•Doctor's certificate, (Fitness certificate in case of TTD)
•Leave certificate from the employer (TTD)
•Salary statement (TTD)
•Medical records if any ( prescriptions, bills, tests).
Note:
•In case of a disability related claim, please notify your HR so that the claim can be intimated to the Insurance Company.
•Above is only an indicative list of documents. Additional documents could be called for based upon the disability type.

32. Group Term Life
July 1, 2019 to June 30, 2020

33. Plan overview
STAR reserves the right to modify / extend the policy conditions without any prior notice
Sum Insured : 72 times monthly basic salary with a minimum of 20 lakhs
Insured Member : Employee
Insurer : Aditya Birla Sun Life Insurance Co Ltd
Covers : Natural or Accidental death and Terminal Illness Rider
Criteria under the Group Term Life Insurance
•Sum insured is calculated based on Monthly Basic Salary of the employee as on July 01, 2019 or the date of hire whichever is later.
The sum insured does not change with mid year salary changes. It gets updated only at the time of policy renewal.
•On the criteria of age or coverage; some employees will have to undergo certain medical tests which will be made known by the
insurer.
•Employees who need to undergo medical underwriting are requested to comply with all requests from the insurer at the earliest to
ensure the full amount of coverage.
•The cost of the medical tests will be borne by the insurer and will be coordinated by the insurer with the employee/Human resource
team.
•If an Insured Member does not designate a beneficiary to the company, or if all the designated beneficiaries predecease the insured
member, any benefit payable under this contract upon the Insured Member’s death shall be paid to the legal heirs based on
production of Succession Certificate.

34. Claim process
STAR reserves the right to modify / extend the policy conditions without any prior notice
•Death intimation to insurance company within 48 hours
•Claim needs to be submitted as early as possible.
•Following documents are required to be submitted
• Claim form
• Certified copy of the post mortem report
• Copy of FIR, if any lodged
• Death certificate
• Brief write up on the location & cause of death
Note:
•In case of a sickness related death claim, leave records of the deceased employee will be required
•Above is only an indicative list of documents. Additional documents could be called for if required.

35. Willis Towers Watson
Contact details
STAR reserves the right to modify / extend the policy conditions without any prior notice
All claims in case of accident and death to be reported to
Contact person Custodio Fernandes
Email ID custodio.fernandes@willistowerswatson.com
Telephone +91 932 39 56 589
Address
Willis Towers Watson India Insurance Brokers Pvt Ltd
Level – 5, Grande Palladium,
175,CST Road,
Off Bandra Kurla Complex,
Kalina, Santacruz (East)
Mumbai– 400 098