This document describes the Star Health and Allied Insurance Company Limited Personal & Caring health insurance plan. It provides coverage for hospitalization expenses from sickness, disease, accidents, as well as certain pre-existing diseases after 11 months. It also covers HIV positive individuals. The plan offers coverage for two years with premiums paid annually or in installments. It has sum insured options from Rs. 100,000 to Rs. 300,000 and covers expenses like room rent, surgery costs and more. The document outlines the eligibility, exclusions and other features of the plan.