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.
For the first time in India, an insurance policy that has been designed specifically for those diagnosed as HIV positive called the STAR NETPLUS HEALTH PLAN.
The SALIENT FEATURES of this plan are:
· Complete confidentiality of the covered persons insured
· No bills/receipts are required
· Lump sum is paid at one go once the claim is made
· Facilitates better health care at the critical stage with financial support
· This policy fills the gap where all other policies and insurers treat HIV as an exclusion
· Extension of medical cover for hospitalization as an option
WHO CAN APPLY:
· The policy will have to be proposed by governmental agencies, NGOs, societies or other registered bodies serving the cause of persons infected with HIV. The benefits when payable will be paid to the proposer who applies for it, for the benefit of the respective covered persons
· The HIV Care Policy can be issued to a group of persons already infected with HIV
· Covered patients must be members/beneficiaries of the proposer and availing its treatment/services
· There is no age limit for the applicants
APPLICATION PROCEDURE:
· Since the policy is for those already infected with HIV, there is a pre-insurance medical test. Cover is provided only for persons whose CD4 count is more than 350
· Tests include CD4 or any other test as required
· Cost of pre-insurance medical test will be borne by Star Health
PREMIUM TABLE:
|
INSURED AMOUNT (Rs.) |
PREMIUM (Rs.) |
|
30000 |
2500/- |
|
50000 |
4000/- |
OPTIONAL ADDITIONAL HEALTH COVER UNDER HIV CARE POLICY:
|
INSURED AMOUNT (Rs.) |
PREMIUM (Rs.) |
|
30000 |
390/- |
|
50000 |
650/- |
· 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:
· Expenses incurred in treating HIV
· All medical conditions that existed prior to commencement of cover, except those specifically covered
· AIDS confirmation within 90 days of commencement of the policy
An insurance products 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