Health gain nandagopal - 9994910202
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Transcript of Health gain nandagopal - 9994910202
STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITEDPERSONAL & CARING
S.V.NANDAGOPAL SENIOR SALES MANAGER
THANKS FOR OPPORTUNITY TO SERVEMOBILE
99949 10202 , 94431 86864 , 83000 20102
www.licnanda.blogspot.com
[email protected] , [email protected]
வருமுன்னர்க்காவாதான்வாழ்க்கைகஎரிமுன்னர்
கைவத்தூறுப�ாலக்கெகடும். திருக்குறள்
STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITEDPERSONAL & CARING
HEALTH GAIN INSURANCE
STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITEDPERSONAL & CARING
Flat premium of only Rs. 15,000/- including service tax Coverage for both inpatient and outpatient treatment Policy can be given for both individual and family floater basis. Any unutilised amount under outpatient benefit can be carried forward to
the next one year
Major Product Features..
Coverages..Section – IHospitalization Expenses incurred as an inpatient for Sickness/Illness/Diseases Accidental injuries
Section – IIHospitalization Expenses incurred at any Hospital / Nursing Home as an outpatient.
STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITEDPERSONAL & CARING
5 Months – 65 Yrs
Life long Renewal
Dependent Children can be covered only with any one of their Parents
Age Limits..
Family Size..
Proposer
Spouse
Dependent Children
STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITEDPERSONAL & CARING
For persons with adverse medical history and
For all persons above 50 years, acceptance subject to Medical Examination at Company’s Cost.
Pre - Insurance Medical Test
Sum Insured.. Minimum Sum Insured - Rs. 1,00,000/-
Maximum Sum Insured - Rs. 5,00,000/-
The following Sum Insured options are available• Rs. 1,00,000/-• Rs. 2,00,000/-• Rs. 3,00,000/-• Rs. 4,00,000/-• Rs. 5,00,000/-
STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITEDPERSONAL & CARING
1. Room rent & boarding charges as follows
Class A Cities – 2% of the Sum Insured subject to a maximum
of Rs. 5,000/- per day (Ahmedabad, Bangalore, Chennai, Hyderabad,
Kolkatta, Mumbai including Thane, Pune, New Delhi and
Secunderabad)
Class B Cities – 1% of the Sum Insured subject to a maximum of Rs.
3,000/- per day (Baroda, Coimbatore , Surat, Meerut and all State
Capitals other than those falling under Class A)
Class C Cities – 1 % of the Sum Insured subject to a maximum of Rs.
1,000/- per day (Other Cities)
2. Nursing charges
Allowable Expenses… Section - I
STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITEDPERSONAL & CARING
Anesthesia, Blood, Oxygen,Operation Theatre charges, medicines and drugs, diagnostic materials, cost of pace maker
Emergency Ambulance charges to go to Hospital for treatment @ Rs 750/- per hospitalisation upto maximum of Rs 1,500/- per policy period
Pre-hospitalization expenses incurred 30 days prior to the date of hospitalization
Post hospitalization expenses on a lump-sum basis @ 7% of the actual hospitalization expenses (excluding room rent and hospital registration charges), subject to a maximum of Rs 5,000/-
Allowable Expenses… Section - I
STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITEDPERSONAL & CARING
Name of the Ailment / Surgery / Procedure Sub Limit
Cataract surgery Rs. 15,000/- in the entire policy period
Sub limits…
STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITEDPERSONAL & CARING
Expenses on Hospitalization for minimum period of 24 hours are admissible. However, this time limit will not apply for
taken in the Hospital / Nursing Home and the Insured is discharged on the same day.
No limits for the above Day care procedures except Cataract surgery
Dialysis, Chemotherapy
Radiotherapy, Cataract surgery,
Dental Surgery, Lithotripsy (Kidney stone removal),
Tonsillectomy, Cutting and Draining of Abscess
Liver Aspiration Pleural Effusion Aspiration
Colonoscopy Sclerotheraphy
Day Care Treatment..
STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITEDPERSONAL & CARING
Medical expenses incurred at any Hospital / Nursing Home as an Out Patient.
Maternity expenses as Out Patient
Dental treatment as Out Patient
Unutilised benefit under this section can be carried forwarded to the next year on renewal
The maximum period of such carry over shall be limited to one immediately succeeding year only.
Allowable Expenses… Section - II
STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITEDPERSONAL & CARING
Limit of Outpatient benefits for individual
Sum insured for IP(Rs)
100000 200000 300000 400000 500000
5m-45 years 8700 7750 7000 6250 5750
46-55 years 7900 6350 5200 3000 NA
56-60 years 7500 5800 3700 NA NA
IP – Inpatient NA – Not Available
STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITEDPERSONAL & CARING
Limit of Outpatient benefits for family floaterSum insured for
IP(Rs)Age 100000 200000 300000 400000 500000
2A5mths-35yrs 8400 7400 6750 5900 5250
36y-45yrs 8400 7400 6500 5500 490046-55yrs NA 5650 4000 2000 NA56-60yrs NA 5000 2250 NA NA
1A+1C5mths-35yrs 8500 7700 6950 5750 5500
36y-45yrs 8500 7500 6750 5750 525046-55yrs NA 5850 4500 2400 NA56-60yrs NA 5200 2250 NA NA
1A+2C5mths-35yrs 8450 7500 6900 6000 5500
36y-45yrs 8450 7250 6650 5750 500046-55yrs NA 5750 4450 2250 NA56-60yrs NA 5150 2250 NA NA
1A+3C5mths-35yrs 8350 7400 6650 5750 5250
36y-45yrs 8350 7200 6450 5500 475046-55yrs NA 5500 4000 NA NA56-60yrs NA 4750 2250 NA NA
A- Adult C- Child IP- Inpatient OP- Outpatient NA- Not Available (policy cannot be given)
STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITEDPERSONAL & CARING
Sum insured for IP(Rs) Age 100000 200000 300000 400000 500000
2A+1C
5mths-35yrs 8250 7250 6600 5750 5000
36y-45yrs 8250 7000 6150 5450 4500
46-55yrs NA 5250 3750 NA NA
56-60yrs NA 4500 1500 NA NA
2A+2C
5mths-35yrs 8250 7000 6500 5500 4650
36y-45yrs 8250 7000 5950 5000 3750
46-55yrs NA 5000 3500 NA NA
56-60yrs NA 4250 1500 NA NA
2A+3C
5mths-35yrs 8250 7000 6250 5250 4250
36y-45yrs 8250 6700 5750 4900 3700
46-55yrs NA 4750 3250 NA NA
56-60yrs NA 4000 1150 NA NA
A- Adult C- Child IP- Inpatient OP- Outpatient NA- Not Available policy cannot be given
Limit of Outpatient benefits for family floater
STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITEDPERSONAL & CARING
Renewal Discount.. Renewal Discount on Basic Premium is allowed on renewal for every
Claim Free Year as per chart
It is not Cumulative
No Claim Discount for Individual basis
For Individuals Sum Insured in Rupees
Age 100000 200000 300000 400000 500000
5 Months – 35 Years 120 235 330 420 490
36 Years – 45 Years 135 260 365 450 540
46 Years – 55 Years 245 458 617 870 NA
56 Years – 60 Years 300 530 820 NA NA
STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITEDPERSONAL & CARING
FAMILY COVER ON Floater Basis (FAMILY SIZE)
Sum Insured in Rupees
100000 200000 300000 400000 500000
2 Adults Discount in Rupees5 Months – 35 Years 177 289 399 520 59236 Years – 45 Years 177 314 436 557 65346 Years – 55 Years NA 554 761 1051 NA56 Years – 60 Years NA 640 1003 NA NA
1 Adult + 1 Child5 Months – 35 Years 152 272 371 475 53736 Years – 45 Years 152 301 394 507 59646 Years – 55 Years NA 527 693 966 NA56 Years – 60 Years NA 612 919 NA NA
1 Adult + 2 Child5 Months – 35 Years 164 284 383 491 56336 Years – 45 Years 164 308 411 525 62946 Years – 55 Years NA 541 716 1015 NA56 Years – 60 Years NA 623 973 NA NA
No Claim Discount for Family Floater basis
STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITEDPERSONAL & CARING
FAMILY COVER ON Floater Basis (FAMILY
SIZE)
Sum Insured in Rupees
100000 200000 300000 400000 500000
1 Adult + 3 Child Discount in Rupees5 Months – 35 Years 179 309 413 537 60436 Years – 45 Years 179 342 444 573 67746 Years – 55 Years NA 572 763 NA NA56 Years – 60 Years NA 665 1010 NA NA
2 Adult + 1 Child5 Months – 35 Years 189 330 419 530 63536 Years – 45 Years 189 356 483 578 70546 Years – 55 Years NA 593 787 NA NA56 Years – 60 Years NA 697 1063 NA NA
2 Adult + 2 Child5 Months – 35 Years 203 346 431 565 68836 Years – 45 Years 203 368 511 624 76846 Years – 55 Years NA 645 840 NA NA56 Years – 60 Years NA 736 1109 NA NA
2 Adult + 3 Child5 Months – 35 Years 217 363 462 603 72636 Years – 45 Years 217 406 532 654 82046 Years – 55 Years NA 680 871 NA NA56 Years – 60 Years NA 782 1176 NA NA
No Claim Discount for Family Floater basis
STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITEDPERSONAL & CARING
Benefits under Section 80-D of the IT Act
Cashless Service without intervention of TPA
Direct Tie up with hospitals on an All India Basis
Other Benefits:
Exclusions..
48 months exclusion for Pre Existing Diseases (as per GIC council) Any Disease contracted during first 30 days First Year Exclusions
• Benign prostate hypertrophy• Hernia, Hydrocele, Fistula in Anus, Piles• Sinusitis• Renal stone and Gall stone removal• Congenital internal disease/defect
STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITEDPERSONAL & CARING
First Two Years Exclusions• Cataract• hysterectomy following menorrhia or fibromyoma• Knee Replacement Surgery• Joint Replacement Surgery• Prolapse of intervertibral• Vericose veins/ulcers
Naturopathy Treatment
Expenses incurred on Non Allopathic Treatment.
Exclusions..
STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITEDPERSONAL & CARINGFHO-rev2014/cpu/ver1.4/16 Oct 2014 19
• 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
STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITEDPERSONAL & CARING
Thank You
May 2, 202320