Star Health Super Surplus Insurance Plan

STAR HEALTH INSURANCE

Star Health Insurance is a venture between Oman Insurance Company, which is one of the leading insurance companies in the Middle East and a few enterprising industrialists,

industry experts and business houses in India.

One of their health insurance plans is the STAR HEALTH SUPER SURPLUS INSURANCE PLAN. It offers the benefits of wider protection at a lesser price.

The SALIENT FEATURES of this plan are:

· This policy is available on individual basis as well as on floater basis covering the entire family

· Family means two adults and two children (economically dependent and up to 25 years of age)

· Hospitalization cover – in-patient hospitalization expenses for a minimum of 24 hours including room and boarding expenses up to a maximum of Rs.4000 per day

· No ceiling on ICU, medicine, diagnostic charges or consultation fee

· Nursing expenses

· Surgeon’s fees, consultant’s fees, anesthetist’s fees and specialist’s fees

· Cost of medicines and drugs

ELIGIBILITY:

· Any person aged between 5 months and 60 years can take this insurance up to a maximum sum insured of Rs.10 lacs

· Renewals are guaranteed up to 75 years

PREMIUM TABLE:

For Individuals:

SUM INSURED (Rs.)

COMPULSORY DEDUCTIBLE FOR EACH & EVERY HOSPITALIZATION

PREMIUM (Rs.)

7 lacs

3 lacs

3000/-

10 lacs

3 lacs

4000/-

For Families:

SUM INSURED (Rs.)

COMPULSORY DEDUCTIBLE FOR EACH & EVERY HOSPITALIZATION

PREMIUM (Rs.)

10lacs

3 lacs

5700/-

10 lacs

5lacs

4300/-

· A Service Tax of 10.3% needs to be added to the premiums mentioned above

· Premiums paid by cheque or credit card are eligible for relief under section 80D of the Income Tax Act

EXCLUSIONS:

· All expenses incurred in connection with treatment of any illness/disease/condition that is pre-existing at the time of commencement of the policy

· Treatment of any illness/disease/condition contracted by the insured within the first 30 days from the commencement of the policy

· Naturopathy treatment

· Expenses purely diagnostic in nature with no positive existence of any disease

· Expenses that are cosmetic in nature

· Treatment of congenital diseases/defects/anomalies

An insurance product from Star Health Insurance can be bought by calling their toll free number 1800-425-2255 or one can also visit their website www.starhealth.in

ADDITIONAL BENEFITS of taking a health insurance plan from Star Health are:

· Cashless service without TPA intervention

· Direct tie up with all major hospitals in India

· 24 hours general practitioner’s advice and medical counseling

· 24×7 in-house call center

· Toll free telephone assistance

· First stand alone health insurance company

· Cumulative bonus ranging from 5% for every claim free year of insurance (except for the Family Package Plan) subject to a maximum of 25%

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