STAR HEALTH INSURANCE

 FOR MEDICLAIME

Arogya Sanjivani Plan Broser 

 

 

• Room Rent – up to 2% of the
  sum insured subject to maximum of Rs.5000/-, per day.
• Intensive Care Unit-up to 5% of sum insured subject to maximum of Rs.10,000/- per day.
• Surgeon, Anesthetist, Medical Practitioner, Consultants, Specialist Fees-Actuals.
• Anesthesia, blood, oxygen, operation theatre charges, surgical appliances, medicines and drugs, costs-Actuals.
• Road Ambulance: subject to a maximum of Rs.2000/- per hospitalization.
• Pre-Hospitalization Expenses: Up to 30 days prior to hospitalization
• Post-Hospitalization: Up to 60 days from date of discharge from hospital
• All Day care procedures are covered.
• Cataract-subject to a limit of 25% of Sum Insured or Rs.40,000/-, whichever is lower, per each eye in one policy year.
• AYUSH Treatment-Medical expenses incurred for inpatient care treatment under Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy systems of medicines during each Policy Year up to the limit of sum insured as specified in the policy schedule in any AYUSH Hospital.
• Modern Treatments – Below listed procedures are covered up to 50% of the sum insured as an inpatient in a hospital;
  
  
  

List of Procedures	Limits per policy period
A. Uterine Artery Embolization and HIFU (High intensity focused ultrasound)	Upto 50% of the sum insured
B. Balloon Sinuplasty	Upto 50% of the sum insured
C. Deep Brain stimulation	Upto 50% of the sum insured
D. Oral chemotherapy	Upto 50% of the sum insured
E. lmmunotherapy- Monoclonal Antibody to be given as injection	Upto 50% of the sum insured
F. lntra vitreal injections	Upto 50% of the sum insured
G. Robotic surgeries	Upto 50% of the sum insured
H. Stereotactic radio surgeries	Upto 50% of the sum insured
I. BronchicalThermoplasty	Upto 50% of the sum insured
J. Vaporisation of the prostrate (Green laser treatment or holmium laser treatment)	Upto 50% of the sum insured
K. ION M - (antra Operative Neuro Monitoring)	Upto 50% of the sum insured
L. Stern cell therapy: Hematopoietic stem cells for bone marrow transplant for haematological conditions to be covered.	Upto 50% of the sum insured

Cumulative Bonus (CB) - 5% of the expiring Sum Insured for each claim free policy year subject to maximum of 50% of the sum insured under the current policy year.

Co-Payment- 5% of copayment is applicable for each and every claim is irrespective of age at entry.

Waiting Period:The Company shall not be liable under this policy directly or indirectly for

• Initial Waiting period - 30 days for illness/disease (Other than accidents)

• Waiting period Specified ailments- 24 months

• 48 Months waiting period for the followings:

  Treatment for joint replacement unless arising from accident

  Age-related Osteoarthritis & Osteoporosis

• Pre- diseases waiting period - 48 months

Pre-Acceptance Medical Screening: Persons above 50 years of age will have to undergo pre-acceptance health screening at the company’s nominated centers.

Pre-Existing Diseases/Illness: Are covered after 48 months of continuous Insurance without break.

Instalment Facility – Premium can be paid Monthly, Quarterly and Half Yearly. Premium can also be paid Annually

Sum Insured Options Rs.1,00,000 ; Rs.1,50,000 ; Rs.2,00,000 ; Rs.2,50,000 ; Rs.3,00,000 ; Rs.3,50,000 ; Rs.4,00,000; Rs.4,50,000; Rs.5,00,00; Rs.5,50,000; Rs.6,00,000; Rs.6,50,000; Rs.7,00,000; Rs.7,50,000; Rs.8,00,000; Rs.8,50,000; Rs.9,00,000; Rs.9,50,000; Rs.10,00,000

Rural Discount: For identified Rural areas, discount of 20% is available on the premium.

 

 

 Rural Gramya Health Plan

• Room, boarding, nursing expenses as provided by the Hospital / Nursing Home up to 1% of Sum Insured per day.
• Surgeon, Anesthetist, Medical Practitioner, Consultants, Specialist Fees.
• Anesthesia, blood, oxygen, operation theatre charges, surgical appliances, medicines and drugs, diagnostic materials and X-ray, diagnostic imaging modalities, dialysis, chemotherapy, radiotherapy, cost of pacemaker, stent, similar expenses. With regard to coronary stenting, the company will pay such amount up to the extent of cost of bare metal stent/drug eluting cobalt-chromium stent/drug eluting stainless steel stent.
• Expenses incurred on treatment of Cataract is limited to Rs.10,000/- per eye and up to Rs.15,000/- per policy period
• All day care procedures are covered under this policy
•  

WAITING PERIODS:

• 30 days except for accidents
• 6 months - Specified diseases/illness/ailments.
• 6 months - Pre existing Diseases

EXCLUSIONS: Please refer to policy terms and conditions for complete information about exclusions.

Instalment Facility: Premium can be paid Monthly, Quarterly and Half Yearly. Premium can also be paid Annually.

Coverage for Modern Treatments please click here

 

• Age at entry 18 years and 65 years
• Family can also be covered. Family means Self, Spouse, Dependent children up to 25 years of age
• Economically dependent children aged from 12 months to 25 years can be covered with parents.
• Click here to check your eligibility