Select the best Medical Insurance Plan from our Online Health Insurance Plans. Buy your Health Insurance Policy for an affordable price, which you help you during Medical Uncertainty. Health Insurance Plans, Medical Insurance, Health Insurance Policies, Family Health Optima Insurance Plan, Family Health Insurance Optima Policy. Search for Best Mediclaim Policy for Family and buy your policy online that gives protection for the entire family by paying a single premium for your plan.
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The launch of Jio is likely to transform the Indian telecom sector but at the same time put pressure on multiple fronts on the current telecom operator such as Bharti Airtel, Idea & Vodafone. The entrance of the jio has brought a stormy revolution in the Telecom market and Jio has emerged into a brand new world of innovations and up gradation. This article discusses the features of the jio and the edge it would have over its rivals once operational. The objective of this research paper is to find whether the company will become a Star or will remain a question mark.
The launch of Jio is likely to transform the Indian telecom sector but at the same time put pressure on multiple fronts on the current telecom operator such as Bharti Airtel, Idea & Vodafone. The entrance of the jio has brought a stormy revolution in the Telecom market and Jio has emerged into a brand new world of innovations and up gradation. This article discusses the features of the jio and the edge it would have over its rivals once operational. The objective of this research paper is to find whether the company will become a Star or will remain a question mark.
Star Cancer Care Gold, First ever health insurance product for persons diagnosed with Cancer, First ever Pilot product in Health Insurance industry- A limited period offer.
100% Lump Sum Payment for Critical illness in additional to Hospitalistiono exp, First Diagnosis of Cancer, Chronic Kidney Disease, Hepatoma, Brain Tumour, Undergoing first time - Major Organ Transplant, Occurrence for the first time of the Cerebro-Vascular Stroke causing Hemiplegia, Acute Myocardial Infarction resulting in Left Ventricular Ejection Fraction of < 25%, irreversible Coma, irreversible Paraplegia, irreversible Quadriplegia
Chola Swasth Parivar is an affordable health insurance plan with flexible coverage options that meet your family's healthcare needs. Apart from covering hospitalization expenses, the policy also offers a personal accident cover, ensuring dual protection for you and your family at economic premiums.
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Medi-Classic Insurance
Medi-Classic Accident Care Insurance
Family Health Optima Insurance Plan
Family Health Optima Accident Care Insurance
Senior Citizens Red Carpet Insurance
Star Comprehensive Insurance
Diabetes Safe Insurance
Star Cardiac Care Insurance Policy
Star Super Surplus Insurance
Star Unique Health Insurance
Star Criticare Plus Insurance
Star Family Delite Insurance
Star Health Gain Insurance
Star True Value Health Insurance
Star Micro Health Care Insurance
Star Wedding Gift Insurance
Star Health Medi Premier Insurance
Star Care Insurance
Personal Accident Insurance
Trauma Care Accident Insurance
Travel Insurance
School Student Insurance
Star Health Insurance - It is India's stand-alone Health Insurance Company in India and Star Health Insurance deals in Health, Personal Accident, Mediclaim and Travel Insurance.
Family Health Optima from Star Health is a health insurance plan that gives protection for the entire family on the payment of a single premium under a single sum insured. The sum insured floats among the family members insured. It's just one more way to tighten the family bonds
Family Health Optima from Star Health is a health insurance plan that gives protection for the entire family on the payment of a single premium under a single sum insured. The sum insured floats among the family members insured. It's just one more way to tighten the family bonds
Senior Citizens Red Carpet
* Covers people aged between 60 and 69 years
* Guaranteed renewals beyond 69 years
* No pre-insurance medical test required
* Pre-existing diseases covered
Star Health and Allied Insurance is India`s first stand alone Health Insurance provider, providing excellent services at affordable rates for health, accident, travel and senior citizen red carpet.
Similar to Star Family Health Optima Insurance | Star Health insurance | StarHealth Insurance | Star Health Insurance Coimbaore (20)
Star Health Insurance all type of health insurance, health, travel, accident insurance, family, individual health insurance, PED cover health insurance, COVID cover health insurance
This policy is for persons who have undergone for the first time the named surgery / intervention / correction for the existing Cardiac diseases,
This policy has two Plan options – Gold Plan and Silver Plan,
Under both the Plans hospitalization expenses for non cardiac diseases and accidents are covered under Section 1,
Under Section 2: Gold Plan covers both medical management and surgical/interventional management for cardiac related diseases while Silver Plan covers only Surgical / Interventional management.
Out Patient Benefit is available under both plans,
Personal Accident Death Cover is available under both plans,
Family Health Insurance Optima Policy. Search for Best Mediclaim Policy for Family and buy your policy online that gives protection for the entire family by paying a single premium for your plan. Select the best Medical Insurance Plan from our Online Health Insurance Plans. Buy your Health Insurance Policy for an affordable price, which you help you during Medical Uncertainty
Star Health Insurance Promoting Health, Protecting Health. 24 hour helpline. Cashless hospitalization facility. Free general physician advice. No medical examination up to 50 years. Medical examination cost borne by the company. Faster disbursement of claims. No TPA. Large network of over 4800 hospitals across India. Mediclaim from 5 months to 75 years of age. Family floater available. Lowest premium.etc.
Star Health Diabetes Safe Insurance
Sale of Policy - PAN-INDIA.
Type of diabetes covered - Both Type 1 Diabetes and Type 2 Diabetes.
Policy cover options - Both Individual and Family Floater options.
Coverage from - Day 1 for Plan A (with medical tests) Plan B (without medical tests) COVER STARTS on Day 31 (15 months WP for some listed conditions).
Auto restore facility - Available - 100% restored.
Day care procedured - Expanded day care procedures - 423 listed procedures.
Dialysis benefit - Upto 24 months - with Rs1000 per sitting.
Artificial limbs facility - Yes, upto 10% of SI.
Premium advantage - Premium advantage ranging from Rs. 1000 to 13000 (STAR Plan A with medical screening compared)
Premium loading - No loading.
PED: - PED waiting period for Non-Diabetic complications is 48 months while it is 36 months in Energy.
Room caps: - Room rent limits in our policy RR for diab hosp (Std single A/C & Lower of either 1.5% of SI or 8.5K for diabetic & non-diabetic treatments). Apollo does not have room caps.
Benefit limits: - No sum insured caps for treatment, while we have caps in Cataract, and Cardio claims. Effective claim value limited to 40% to 67% of SI.
Option for 2 lakhs: - Sum insured options start from Rs 3 lakhs (3/4/5/10L). Apollo starts at 2 lakhs (2/3/5/10L)
CRISPR-Cas9, a revolutionary gene-editing tool, holds immense potential to reshape medicine, agriculture, and our understanding of life. But like any powerful tool, it comes with ethical considerations.
Unveiling CRISPR: This naturally occurring bacterial defense system (crRNA & Cas9 protein) fights viruses. Scientists repurposed it for precise gene editing (correction, deletion, insertion) by targeting specific DNA sequences.
The Promise: CRISPR offers exciting possibilities:
Gene Therapy: Correcting genetic diseases like cystic fibrosis.
Agriculture: Engineering crops resistant to pests and harsh environments.
Research: Studying gene function to unlock new knowledge.
The Peril: Ethical concerns demand attention:
Off-target Effects: Unintended DNA edits can have unforeseen consequences.
Eugenics: Misusing CRISPR for designer babies raises social and ethical questions.
Equity: High costs could limit access to this potentially life-saving technology.
The Path Forward: Responsible development is crucial:
International Collaboration: Clear guidelines are needed for research and human trials.
Public Education: Open discussions ensure informed decisions about CRISPR.
Prioritize Safety and Ethics: Safety and ethical principles must be paramount.
CRISPR offers a powerful tool for a better future, but responsible development and addressing ethical concerns are essential. By prioritizing safety, fostering open dialogue, and ensuring equitable access, we can harness CRISPR's power for the benefit of all. (2998 characters)
CHAPTER 1 SEMESTER V PREVENTIVE-PEDIATRICS.pdfSachin Sharma
This content provides an overview of preventive pediatrics. It defines preventive pediatrics as preventing disease and promoting children's physical, mental, and social well-being to achieve positive health. It discusses antenatal, postnatal, and social preventive pediatrics. It also covers various child health programs like immunization, breastfeeding, ICDS, and the roles of organizations like WHO, UNICEF, and nurses in preventive pediatrics.
India Clinical Trials Market: Industry Size and Growth Trends [2030] Analyzed...Kumar Satyam
According to TechSci Research report, "India Clinical Trials Market- By Region, Competition, Forecast & Opportunities, 2030F," the India Clinical Trials Market was valued at USD 2.05 billion in 2024 and is projected to grow at a compound annual growth rate (CAGR) of 8.64% through 2030. The market is driven by a variety of factors, making India an attractive destination for pharmaceutical companies and researchers. India's vast and diverse patient population, cost-effective operational environment, and a large pool of skilled medical professionals contribute significantly to the market's growth. Additionally, increasing government support in streamlining regulations and the growing prevalence of lifestyle diseases further propel the clinical trials market.
Growing Prevalence of Lifestyle Diseases
The rising incidence of lifestyle diseases such as diabetes, cardiovascular diseases, and cancer is a major trend driving the clinical trials market in India. These conditions necessitate the development and testing of new treatment methods, creating a robust demand for clinical trials. The increasing burden of these diseases highlights the need for innovative therapies and underscores the importance of India as a key player in global clinical research.
Defecation
Normal defecation begins with movement in the left colon, moving stool toward the anus. When stool reaches the rectum, the distention causes relaxation of the internal sphincter and an awareness of the need to defecate. At the time of defecation, the external sphincter relaxes, and abdominal muscles contract, increasing intrarectal pressure and forcing the stool out
The Valsalva maneuver exerts pressure to expel faeces through a voluntary contraction of the abdominal muscles while maintaining forced expiration against a closed airway. Patients with cardiovascular disease, glaucoma, increased intracranial pressure, or a new surgical wound are at greater risk for cardiac dysrhythmias and elevated blood pressure with the Valsalva maneuver and need to avoid straining to pass the stool.
Normal defecation is painless, resulting in passage of soft, formed stool
CONSTIPATION
Constipation is a symptom, not a disease. Improper diet, reduced fluid intake, lack of exercise, and certain medications can cause constipation. For example, patients receiving opiates for pain after surgery often require a stool softener or laxative to prevent constipation. The signs of constipation include infrequent bowel movements (less than every 3 days), difficulty passing stools, excessive straining, inability to defecate at will, and hard feaces
IMPACTION
Fecal impaction results from unrelieved constipation. It is a collection of hardened feces wedged in the rectum that a person cannot expel. In cases of severe impaction the mass extends up into the sigmoid colon.
DIARRHEA
Diarrhea is an increase in the number of stools and the passage of liquid, unformed feces. It is associated with disorders affecting digestion, absorption, and secretion in the GI tract. Intestinal contents pass through the small and large intestine too quickly to allow for the usual absorption of fluid and nutrients. Irritation within the colon results in increased mucus secretion. As a result, feces become watery, and the patient is unable to control the urge to defecate. Normally an anal bag is safe and effective in long-term treatment of patients with fecal incontinence at home, in hospice, or in the hospital. Fecal incontinence is expensive and a potentially dangerous condition in terms of contamination and risk of skin ulceration
HEMORRHOIDS
Hemorrhoids are dilated, engorged veins in the lining of the rectum. They are either external or internal.
FLATULENCE
As gas accumulates in the lumen of the intestines, the bowel wall stretches and distends (flatulence). It is a common cause of abdominal fullness, pain, and cramping. Normally intestinal gas escapes through the mouth (belching) or the anus (passing of flatus)
FECAL INCONTINENCE
Fecal incontinence is the inability to control passage of feces and gas from the anus. Incontinence harms a patient’s body image
PREPARATION AND GIVING OF LAXATIVESACCORDING TO POTTER AND PERRY,
An enema is the instillation of a solution into the rectum and sig
Deep Leg Vein Thrombosis (DVT): Meaning, Causes, Symptoms, Treatment, and Mor...The Lifesciences Magazine
Deep Leg Vein Thrombosis occurs when a blood clot forms in one or more of the deep veins in the legs. These clots can impede blood flow, leading to severe complications.
Global launch of the Healthy Ageing and Prevention Index 2nd wave – alongside...ILC- UK
The Healthy Ageing and Prevention Index is an online tool created by ILC that ranks countries on six metrics including, life span, health span, work span, income, environmental performance, and happiness. The Index helps us understand how well countries have adapted to longevity and inform decision makers on what must be done to maximise the economic benefits that comes with living well for longer.
Alongside the 77th World Health Assembly in Geneva on 28 May 2024, we launched the second version of our Index, allowing us to track progress and give new insights into what needs to be done to keep populations healthier for longer.
The speakers included:
Professor Orazio Schillaci, Minister of Health, Italy
Dr Hans Groth, Chairman of the Board, World Demographic & Ageing Forum
Professor Ilona Kickbusch, Founder and Chair, Global Health Centre, Geneva Graduate Institute and co-chair, World Health Summit Council
Dr Natasha Azzopardi Muscat, Director, Country Health Policies and Systems Division, World Health Organisation EURO
Dr Marta Lomazzi, Executive Manager, World Federation of Public Health Associations
Dr Shyam Bishen, Head, Centre for Health and Healthcare and Member of the Executive Committee, World Economic Forum
Dr Karin Tegmark Wisell, Director General, Public Health Agency of Sweden
Explore our infographic on 'Essential Metrics for Palliative Care Management' which highlights key performance indicators crucial for enhancing the quality and efficiency of palliative care services.
This visual guide breaks down important metrics across four categories: Patient-Centered Metrics, Care Efficiency Metrics, Quality of Life Metrics, and Staff Metrics. Each section is designed to help healthcare professionals monitor and improve care delivery for patients facing serious illnesses. Understand how to implement these metrics in your palliative care practices for better outcomes and higher satisfaction levels.
Health Education on prevention of hypertensionRadhika kulvi
Hypertension is a chronic condition of concern due to its role in the causation of coronary heart diseases. Hypertension is a worldwide epidemic and important risk factor for coronary artery disease, stroke and renal diseases. Blood pressure is the force exerted by the blood against the walls of the blood vessels and is sufficient to maintain tissue perfusion during activity and rest. Hypertension is sustained elevation of BP. In adults, HTN exists when systolic blood pressure is equal to or greater than 140mmHg or diastolic BP is equal to or greater than 90mmHg. The
Antibiotic Stewardship by Anushri Srivastava.pptxAnushriSrivastav
Stewardship is the act of taking good care of something.
Antimicrobial stewardship is a coordinated program that promotes the appropriate use of antimicrobials (including antibiotics), improves patient outcomes, reduces microbial resistance, and decreases the spread of infections caused by multidrug-resistant organisms.
WHO launched the Global Antimicrobial Resistance and Use Surveillance System (GLASS) in 2015 to fill knowledge gaps and inform strategies at all levels.
ACCORDING TO apic.org,
Antimicrobial stewardship is a coordinated program that promotes the appropriate use of antimicrobials (including antibiotics), improves patient outcomes, reduces microbial resistance, and decreases the spread of infections caused by multidrug-resistant organisms.
ACCORDING TO pewtrusts.org,
Antibiotic stewardship refers to efforts in doctors’ offices, hospitals, long term care facilities, and other health care settings to ensure that antibiotics are used only when necessary and appropriate
According to WHO,
Antimicrobial stewardship is a systematic approach to educate and support health care professionals to follow evidence-based guidelines for prescribing and administering antimicrobials
In 1996, John McGowan and Dale Gerding first applied the term antimicrobial stewardship, where they suggested a causal association between antimicrobial agent use and resistance. They also focused on the urgency of large-scale controlled trials of antimicrobial-use regulation employing sophisticated epidemiologic methods, molecular typing, and precise resistance mechanism analysis.
Antimicrobial Stewardship(AMS) refers to the optimal selection, dosing, and duration of antimicrobial treatment resulting in the best clinical outcome with minimal side effects to the patients and minimal impact on subsequent resistance.
According to the 2019 report, in the US, more than 2.8 million antibiotic-resistant infections occur each year, and more than 35000 people die. In addition to this, it also mentioned that 223,900 cases of Clostridoides difficile occurred in 2017, of which 12800 people died. The report did not include viruses or parasites
VISION
Being proactive
Supporting optimal animal and human health
Exploring ways to reduce overall use of antimicrobials
Using the drugs that prevent and treat disease by killing microscopic organisms in a responsible way
GOAL
to prevent the generation and spread of antimicrobial resistance (AMR). Doing so will preserve the effectiveness of these drugs in animals and humans for years to come.
being to preserve human and animal health and the effectiveness of antimicrobial medications.
to implement a multidisciplinary approach in assembling a stewardship team to include an infectious disease physician, a clinical pharmacist with infectious diseases training, infection preventionist, and a close collaboration with the staff in the clinical microbiology laboratory
to prevent antimicrobial overuse, misuse and abuse.
to minimize the developme
Empowering ACOs: Leveraging Quality Management Tools for MIPS and BeyondHealth Catalyst
Join us as we delve into the crucial realm of quality reporting for MSSP (Medicare Shared Savings Program) Accountable Care Organizations (ACOs).
In this session, we will explore how a robust quality management solution can empower your organization to meet regulatory requirements and improve processes for MIPS reporting and internal quality programs. Learn how our MeasureAble application enables compliance and fosters continuous improvement.
One of the most developed cities of India, the city of Chennai is the capital of Tamilnadu and many people from different parts of India come here to earn their bread and butter. Being a metropolitan, the city is filled with towering building and beaches but the sad part as with almost every Indian city
ICH Guidelines for Pharmacovigilance.pdfNEHA GUPTA
The "ICH Guidelines for Pharmacovigilance" PDF provides a comprehensive overview of the International Council for Harmonisation of Technical Requirements for Pharmaceuticals for Human Use (ICH) guidelines related to pharmacovigilance. These guidelines aim to ensure that drugs are safe and effective for patients by monitoring and assessing adverse effects, ensuring proper reporting systems, and improving risk management practices. The document is essential for professionals in the pharmaceutical industry, regulatory authorities, and healthcare providers, offering detailed procedures and standards for pharmacovigilance activities to enhance drug safety and protect public health.
Star Family Health Optima Insurance | Star Health insurance | StarHealth Insurance | Star Health Insurance Coimbaore
1. IRDA Registration No : 129; Corporate Identity Number : U66010TN2005PLC056649
CORPORATE OFFICE: No.1, New Tank Street, Valluvar Kottam High Road, Nungambakkam, Chennai - 600034. Ph: 044-28288800
Help Line. 99946 12916, 93628 54443 E-mail.: dhanasekaran.p@starhealth.in
FAMILY HELATH OPTIME REVISED WITH MULTIPLE BENEFITS
02.05.2017
Family Health Optima from Star Health is a health insurance plan that gives protection for the entire family on the
payment of a single premium under a single sum insured. The sum insured floats among the family members insured.
It's just one more way to tighten the family bonds.
A Super Saver Policy
Single Sum Insured
Wider Coverage
Coverage for entire family
Single premium
Considerable saving in premium as the family is covered under one policy.
FEATURES FAMILY HEALTH OPTIMA
ADULTS AGE AT ENTRY Any person aged between 18 years and 65 years, residing in India, can take this
insurance (residing in India)
FAMILY Proposer, spouse, dependent children from 16 days up to 25 years, (Children who are
economically dependent on their parents)
DEPENDANT CHILDREN From 16 days to 25 years
CHILDREN AGE AT ENTRY A Child above 16 days of age can be covered as part of the family. If, at the
commencement of the policy, the new born child as defined in the policy clause is less
than 16 days of age, the proposer can opt to cover such child also in the same policy by
paying the applicable premium in full. However, the cover for such child will commence
only from the 16th day after its birth and continue till the expiry date of the policy.
LIMITS OF CATRACT
SURGERY
SI 3,00,000/- Limit per eye Rs. 25,000/- Limit per policy period Rs. 35,000/-
SI 4,00,000/- Limit per eye Rs. 30,000/- Limit per policy period Rs. 45,000/-
SI 5,00,000/- Limit per eye Rs. 40,000/- Limit per policy period Rs. 60,000/-
SI 10,00,000/-, 15,00,000/-, 20,00,000/- and 25,00,000/- Limit per eye Rs. 60,000/- Limit
per policy period Rs. 75,000/-
SUM INSURED 3, 4, 5, 10, 15,20 and 25 Lakhs
CO PAY This policy is subject to co-payment of 20% of each and every claim amount for fresh as
well as renewal policies for insured persons whose age at the time of entry is above 60
years.
RENEWALS A Beyond 65 years, It can be renewed for life time.
PREMIUM RATING Premium based on Zone 1, 1A, Zone 2, & Zone 3 to be collected as per the residential
address of the customer.
Zone 1: Mumbai, Thane, Delhi including Faridabad, Gurgaon, Ghaziabad and Noida,
Ahmedabad, Baroda Surat Zone
Zone 1A: Chennai, Bangalore, Pune, Nasik, Ernakulum, Trivandrum, Rest of Gujarat
Zone 2: Coimbatore, Indore City, Rest of Kerala.
Zone 3: All remaining places & Locations other than Zone 1 1A & Zone 2
PRE-ACCEPTANCE MEDICAL
SCREENING
All persons above 50 years of age and those who declare adverse medical history in the
proposal form are required to undergo pre-acceptance medical screening at the
Company designated Centers The cost of such screening will be borne by the Company.
The age for screening and the cost sharing are subject to change.
2. IRDA Registration No : 129; Corporate Identity Number : U66010TN2005PLC056649
CORPORATE OFFICE: No.1, New Tank Street, Valluvar Kottam High Road, Nungambakkam, Chennai - 600034. Ph: 044-28288800
Help Line. 99946 12916, 93628 54443 E-mail.: dhanasekaran.p@starhealth.in
ROOM RENT/ NURSING &
BOARDING
ZONE 1 Zone 1A, Zone 2, Zone 3
SI 5,10,15,20 and 25 lacs : Single Std A/C room
SI 3 and 4 lacs : max of Rs.5000 per day
PRE & POST
HOSPITALIZATION EXPENSES
Pre & Post Hospitalization benefits extended to 60 & 90 days respectively with no caps
THER CHARGES INCLUDED A) Surgeon, Anesthetist, Medical Practitioner, Consultants & Specialist Fees.
C) Anesthesia, Blood, Oxygen, Operation Theatre charges, cost of Pacemaker etc.
E) Cost of Medicine and drugs
AMBULANCE CHARGES Rs 750/- per hospitalization up to max of 1500/- per policy period
AIR AMBULANCE COVER Up to 10% of the Basic sum insured per policy period. Available for Sum Insured of Rs. 5
Lakhs and above only.
DAY CARE PROCEDURES All day care procedures covered.
CAST OF HEALTH CHEK UP SI - 3,00,000/- Limit Per Policy Period Upto Rs. 750/-
SI - 4,00,000/- Limit Per Policy Period Upto Rs. 1,000/-
SI - 5,00,000/- Limit Per Policy Period Upto Rs. 1,500/-
SI - 10,00,000/-Limit Per Policy Period Upto Rs. 2,000/-
SI - 15,00,000/-Limit Per Policy Period Upto Rs. 2,500/-
SI - 20,00,000/-Limit Per Policy Period Upto Rs. 3,000/-
SI - 25,00,000/-Limit Per Policy Period Upto Rs. 3,500/-
AYUSH Treatment Expenses incurred on treatment under Ayurveda, Unani, Sidha and Homeopathy systems
of medicines in a Government Hospital or in any institute recognized by the government
and/or accredited by the Quality Council of India/National Accreditation Board on Health
is payable up to the limits given
SI 3,00,000/- to 4,00,000/- Limit per policy period Upto Rs. 10,000/-
SI 5,00,000/- to 15,00,000/- Limit per policy period Upto Rs. 15,000/-
SI 20,00,000/- and 25,00,000/- Limit per policy period Upto Rs. 20,000/-
BONUS ADDITIONS In respect of a claim free year of Insurance, for the Basic Sum Insured options
Rs.3,00,000/- and above, the insured would be entitled to benefit of bonus of 25% of the
expiring Basic Sum Insured in the second year and additional 10% of the expiring Basic
sum Insured for the subsequent years. The maximum allowable bonus shall not exceed
100%
ADDITIONAL SUM INSURED
FOR ROAD TRAFFIC
ACCIDENTA [RTA]
If the insured person meets with a Road Traffic Accident resulting in in-patient
hospitalization, then the Basic sum insured shall be increased by 25% subject to a
maximum of Rs. 5,00,000/- The additional sum insured shall be available only once
during the policy period and should be used for the particular hospitalization.
AUTOMATIC RESTORATION Such Automatic Restoration is available 3 times at 100% each time, during the policy
period. Each restoration will operate only after the exhaustion of the earlier one.
TAX BENEFITS Under sec 80 D
WAITING PERIOD A) 30 days waiting period.
B) 24 months waiting period for specified illness/diseases/treatments
C) 36 months waiting period for Assisted Reproduction Treatment.
For Accidental Injury - covered from DAY 1
INSTANT RECHARGE BENEFIT FREE OF COST extra coverage for all types of claims if and when the original SI becomes
insufficient, Upto 30% of SI ( Recharge SI filled only once in policy period & Facility for 3L
/ 4L / 5L only
AUTO COVER FOR NEW
BORN BABY
The coverage for New Born Baby starts from the 16th day after its birth till the expiry
date of the policy and is subject to a limit of 10% of the Sum Insured or Rupees Fifty
3. IRDA Registration No : 129; Corporate Identity Number : U66010TN2005PLC056649
CORPORATE OFFICE: No.1, New Tank Street, Valluvar Kottam High Road, Nungambakkam, Chennai - 600034. Ph: 044-28288800
Help Line. 99946 12916, 93628 54443 E-mail.: dhanasekaran.p@starhealth.in
thousand, whichever is less, subject to the availability of the sum insured, provided the
mother is insured under the policy for a continuous period of 12 months without break.
DONOR EXPENSES FOR
TRANSPLANT OF ORGANS
Payable where the insured is the recipient. Maximum payable under this head is 10% of
the sum insured or Rupees one lakh whichever is less, subject to availability of the sum
insured and provided the claim for transplantation is payable. Donor screening expenses
are not payable.
SHARRED
ACCOMMODATION
Insured person occupies, a shared accommodation during in-patient hospitalization,
then amount as per table given below will be payable for each continuous and
completed period of 24 hours of stay in such shared accommodation.
ASSISTED REPRODUCTION
TREATMENT
Reimburse medical expenses incurred on Assisted Reproduction Treatment.
SECOND MEDICAL OPINION Insured Person is given the facility of obtaining a Medical Second Opinion from a Doctor
in the Company's network of Medical Practitioners.
FIRST 2 YEAR EXCLUSION Cataract, diseases of the vitreous and retina, Diseases of the ENT, mastoidectomy/
tympanoplasty/stapedectomy, Diseases of the thyroid gland, Varicose veins and varicose
ulcers, Diseases of the prostate, Urethral stricture/obstructive uropathies, All types of
Hernia, Varicocele/ Hydrocele, Fistula/ fissure in ano, hemorrhoids/ Pilonidal sinus and
fistula, Congenital internal defect /disease, Gall bladder diseases and Stones (Calculii) in
any internal organ and its management/treatment, All and any treatment related to
female reproductive system /benign breast diseases, Any treatment related to
tendon/ligament/ fascia/bone and joints, Diseases of disc and vertebra including IVDP
(PIVD), Lumps/cysts of any type on any part of the body, Transplant of organs and
surgery
GENERAL EXCLUSION Maternity, Circumcision, Preputioplasty, Frenuloplasty, Preputial Dilatation and Removal
of SMEGMA, Inoculation or Vaccination, Congenital External Condition / Defects /
Anomalies, Dental treatment or surgery unless necessitated due to accidental injuries
and requiring hospitalization. (Dental implants are not payable), Intentional self-injury,
Psychiatric, mental and behavioral disorders, Treatment for Sub-Fertility, Treatment
arising from or traceable to pregnancy, childbirth, family planning, miscarriage, abortion
and complications of any of these (other than ectopic pregnancy), HIV / AIDS, Expenses
incurred on weight control services including surgical procedures, such as Bariatric
Surgery, Surgical treatment of Sleep apnea, treatment for genetic and endocrine
disorders, Expenses incurred on High Intensity Focused Ultra Sound, Uterine Fibroid,
Embolisation, Balloon Sinoplasty, Enhanced External Counter Pulsation Therapy and
related therapies, Chelation therapy, Deep Brain Stimulation, Hyperbaric Oxygen
Therapy, Rotational Field Quantum Magnetic Resonance Therapy, VAX-D, Low level laser
therapy, Photodynamic therapy, Expenses incurred on Lasik Laser or other procedures
Refractive Error Correction and its complications, Oral Chemotherapy, Immuno therapy
and Biologicals, except when administered as an in-patient, when clinically indicated and
hospitalization warranted. All types of Cosmetic, Aesthetic treatment of any description,
all treatment for erectile dysfunctions, Change of Sex. Plastic surgery (other than as
necessitated due to an accident or as a part of any illness), Cost of spectacles and
contact lens, hearing aids, walkers and crutches, wheel chairs, Nutritional Supplements,
CPAP, BIPAP, Continuous Ambulatory Peritoneal Dialysis [CAPD], infusion pump and such
other similar aids, Cochlear implants and procedure related hospitalization expenses.
Hospital registration charges, admission charges, record charges, telephone charges and
such other charges.
4. IRDA Registration No : 129; Corporate Identity Number : U66010TN2005PLC056649
CORPORATE OFFICE: No.1, New Tank Street, Valluvar Kottam High Road, Nungambakkam, Chennai - 600034. Ph: 044-28288800
Help Line. 99946 12916, 93628 54443 E-mail.: dhanasekaran.p@starhealth.in
How much to pay?
Attached Addition Premium Chart - Including GST 18%
.
Comparison of benefits between old FHO and revised FHO
Old FHO Revised FHO
5 SI options from 3 L to 15 L 7 SI options from 3 L to 25 L
Room rent based on SI, Class and Zone
Room rent based on SI only, 5000 for 3L & 5 L, single
standard AC room for SI 10 L and above
Only 405 day care procedures covered
Any and all day care procedure covered - Cataract
alone has sub limits
no air ambulance cover
Air ambulance available upto 10% of SI, for SIof 5 L
and above
Health check up in a block of 3 years Annually for every claim free year
New born baby cover available and 30 days waiting
period applicable
New born baby cover available, provided mother is
covered under the policy for a minimum of 12
months and 30 days waiting period does not apply
Emergency medical evacuation not available Emergency medical evacuation available
Compassionate travel not available Compassionate travel available
Repatriation of mortal remains not available Repatriation of mortal remains available
Lumpsum payout in treatment of company suggested
network hospital - not available
Lumpsum payout in treatment of company
suggested network hospital - availablefor SI 3 L and
above
2nd medical opinion not available 2nd medical opinion available online
Assisted Reproduction(infertility) treatment not
available
Assisted Reproduction(infertility) treatment available
for SI 5 L and above after a waiting period of 36
months
AYUSH treatment not covered AYUSH treatment covered for all SI with sublimit
Shared accommodation cash benefit not available
Shared accommodation cash benefit available for
each completed period of 24 hourof stay for SI 3 L
and above
Recharge benefit available for SI 3 L to 5 L Recharge benefit available for SI 3 L to 25 L
Automatic restoration of SI for 100% only
Automatic restoration in 3 instalments of 100% of SI
each (value up to 300%)
Additional SI for two wheeler road accident not
available
Additional SI of 25% for two wheeler road accident is
available upto a maximum of 5 lacs, Helmet wearing
essential
No claim bonus up to 35% of SI No claim bonus can be accumulated up to 100% of SI
Portability:
This policy is portable. For details please contact SSM 99946 12916, 93628 54443.