Pre-acceptance medical screening: Persons above 50 years of age will have to undergo pre-acceptance health screening at the Company's nominated centers.

Policy Term: One year / Two years / Three years. For policies more than one year, the Basic Sum Insured is for each year, without any carry over benefit thereof.

Long term discount: If the policy term opted is 2 years, discount available is 10% on 2nd year premium and if policy term opted is 3 years, discount available is 11.25% on 2nd and 3rd year premium.

Installment Facility available:Premium can be paid Half-yearly. For installment mode of payment, there will be loading as given below;

 Half Yearly: 2% 

Note: If Installment Facility is opted for 2 year and 3 year term policies, the full premium applicable for 2 year or 3 year terms should be paid half yearly within the expiry of the first year. Premium can also be paid Annual, Biennial (Once in 2 years) and Triennial (Once in 3 years).

Eligibility 

Any person aged between 5 Months and 65 years can take this insurance. Thereafter only renewals will be accepted without capping on the exit age.

Lifelong Renewal. 

Sum Insured Options: Rs.1,50,000/-, Rs.2,00,000/-, Rs. 3,00,000/-, Rs.4,00,000/-, Rs.5,00,000/-, Rs.10,00,000/-, Rs.15,00,000/-. v Day Care Procedures:All Day Care Procedures are covered.

Benefits

• Room, boarding, nursing expenses as provided by the Hospital / Nursing Home at 2% of the Sum Insured, subject to a maximum of Rs.5,000/- per day.
• Surgeon, Anesthetist, Medical Practitioner, Consultants, Specialist Fees.
• Anesthesia, Blood, Oxygen, Operation Theatre charges, ICU charges, Cost of Pacemaker etc.
• Ambulance charges for transporting the covered patient to the hospital up to a sum of Rs. 750/- per hospitalization and overall limit of Rs. 1500/- per policy period.
• Pre-Hospitalization:Medical expenses up to 30 days prior to the date of admission.
• Post Hospitalization: Medical expenses up to a period of 60 days after discharge from the hospital. The amount payable shall not exceed the sum equivalent to 7% of the hospitalization expenses subject to a maximum of Rs.5000/- per hospitalization. For the purpose of calculation of the 7%, only nursing expenses, surgeon’s/consultants fees, diagnostic charges and cost of drugs and medicines will be taken.
• Coverage for Modern Treatments: Expenses are subject to the limits. (For details please refer to the website: www.starhealth.in).
• Expenses relating to hospitalization will be considered in proportion to the eligible room category stated in the policy or actual whichever is less.
Cost of Health checkup: Expenses incurred towards Cost of Health checkup up to 1% of the average Basic Sum Insured after every block of four continuous claim free years subject to a maximum of Rs.5,000/- and payable on renewal. This benefit is available for Basic Sum Insured of Rs.2,00,000/- and above only. Note:Payment under this benefit does not form part of the Basic Sum Insured. v Cataract: The expenses incurred on treatment of cataract are payable up to the limits mentioned here under.

Cost of Health checkup: Expenses incurred towards Cost of Health checkup up to 1% of the average Basic Sum Insured after every block of four continuous claim free years subject to a maximum of Rs.5,000/- and payable on renewal. This benefit is available for Basic Sum Insured of Rs.2,00,000/- and above only. Note:Payment under this benefit does not form part of the Basic Sum Insured. v Cataract: The expenses incurred on treatment of cataract are payable up to the limits mentioned here under.