HEALTH INSURANCE POLICY FROM STAR HEALTH INSURANCE

1. STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED
PERSONAL & CARING
Hearty welcome to
all of you.
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2. STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED
PERSONAL & CARING
S.V.NANDAGOPAL
SENIOR SALES MANAGER
STAR HEALTH & ALLIED INSURANCE CO.LTD
THANKS FOR OPPORTUNITY TO
SERVE
WE ARE ONE OF THE LEADING INSURANCE & INVESTMENT
CONSULTANT IN COIMBATORE SINCE 2000
MOBILE
99949 10202, 94431 86864,83000 20102
Email licnanda@gmail.com,starhealthwithu@gmail.com
www.licnanda.blogspot.com

3. STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED
PERSONAL & CARING
The company that STAR HEALTH INSURANCE is:
i. The first health insurance company to be
set up in India in the year 2006.
ii. Largest health insurance company in
India.
iii.2nd largest in health insurance market
among private insurance companies.
iv.1st and foremost among five health
insurance companies.
v. First stand-alone health insurer to touch
Rs1,000 crore in retail premium.
vi.Focused on retail insurance.
vii. Pioneer, innovator and leader.
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4. STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED
PERSONAL & CARING
Organizational Structure (as at end of March
2014).
Branch Offices - 231
Area Offices – 22
Zonal Offices - 12
SM Stations – 444
Employees – 6255
Doctors - 182
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5. STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED
PERSONAL & CARING
Our innovations…
Operational
 Direct Settlement of claims
 No TPA
 More than 6000 Network
hospitals
 Free Health magazine
 Free Tele-Consultation
Product-front
 First to launch an exclusive Health Insurance
product for Senior Citizens.
 First to launch a ‘top up’ plan – “Star Super
Surplus”
 First to launch a policy for the Diabetic population
– Diabetic Safe policy
 First and the only insurer to provide coverage for
HIV +ve groups.
 First policy exclusively meant for heart patients
who have undergone CABG/PTCA - Cardiac Care .
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6. STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED
PERSONAL & CARING
CLAIMS HANDLING
• TIME TAKEN-CLAIMS:
• CASHLESS DONE < 1 HOUR – 82% &
• < 2 HOUR – 99%
• PAYMENTS <7 DAYS – 89%

7. STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED
PERSONAL & CARING

8. STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED
PERSONAL & CARING
Students Care Insurance

9. STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED
PERSONAL & CARING
Covers
 Both School and College students
Provides compensation for the following
• Accidental Death
• Permanent Total Disability
Age Limits
School student- 3 years to 18 years.
College Students – 15 years to 25 years
Hospitalization
Hospitalization cover for Rs.5, 000/- (including a limit of Rs. 1,000/- for school
students and Rs. 2,000/- for College students for O.P. Treatment)

10. STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED
PERSONAL & CARING
Premium Rating
SCHOOL STUDENTS ( from 3 yrs – 18 yrs)
SUM INSURED
Rs.
Prem (Rs.) S.T. (Rs.) Total (Rs.)
50,000 70 7 79
1,00,000 100 10 113
COLLEGE STUDENTS (from 15 yrs – 25 yrs)
75,000 120 12 135
1,00,000 135 14 152
2,00,000 195 20 409
Additional Benefits
Educational Grant in case of Accidental Death or Permanent Total Disability
of Earning Parent/Guardian
 Rs.5,000/- for School students
 Rs. 10,000/- for College students

11. STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED
PERSONAL & CARING
Major Exclusions
Any Claim,
In Respect of Pre Existing Conditions.
If the Insured acts against the advice of the Physician.
Whilst under the influence of intoxicating liquor or drugs.
Arising out of mental diseases, suicide or attempted suicide, self inflicted
injuries or sexually transmitted conditions, anxiety, etc.
Due to participation in hazardous sport / activities.
By persons who are physically and mentally challenged unless specifically
agreed and endorsed in the policy.
Note: For a detailed list kindly refer the policy conditions.

12. STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED
PERSONAL & CARING
Claims Procedure
Document to be submitted in case of Death Claims
Completed Claim form
Death certificate
FIR, wherever applicable
Postmortem report
In the absence of assignment, Legal Heir ship Certificate/Succession
Certificate / Will duly probated
Original Policy, if issued for Individual
Police Inquest Report
Document to be submitted in case of Disablement Claims
Original Policy
Disability Certificate from the attending Doctor confirming the %age of disability.
Photo of the person indicating the disability.
Completed claim form
FIR, Wherever applicable

13. STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED
PERSONAL & CARINGFHO-rev2014/cpu/ver1.4/16 Oct 2014 13
• 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

14. STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED
PERSONAL & CARING