24.

Any claim arising out of Accidents that the Insured Person has caused
a) intentionally or Amounts in (INR)
Sl.
b) by committing a crime / involved in it or No. Sum Insured 5 lacs 7.5 lacs 10 lacs 15 lacs 20 lacs 25 lacs
c) as a result of / in a state of drunkenness or addiction (drugs, alcohol). Single Single Single Single Single Single
1 Room, Boarding and Nursing charges Standard A/C Standard A/C Standard A/C Standard A/C Standard A/C Standard A/C
25. Any claim arising out of mental disorder, suicide or attempted suicide self inflicted injuries, or sexually transmitted conditions, anxiety, stress,
depression, venereal disease or any loss directly or indirectly attributable to HIV (Human Immunodeficiency Virus) and / or any HIV related 2 ICU/Operation Theatre Charges Actual Actual Actual Actual Actual Actual
illness including AIDS (Acquired Immuno Deficiency Syndrome), insanity and / or any mutant derivative or variations thereof howsoever caused. Ambulance Charges –
3 By Up to 2,000/- Up to 3,000/- Up to 3,500/- Up to 4,000/- Up to 4,500/- Up to 5,000/-
Road (per policy period)
26. Insured Person engaging in Air Travel unless he/she flies as a fare-paying passenger on an aircraft properly licensed to carry passengers. For
the purpose of this exclusion Air Travel means being in or on or boarding an aircraft for the purpose of flying therein or alighting there from. 4 Air Ambulance (per policy period) Not Available SumUp to 10% of Up to 10% of Up to 10% of Up to 10% of Up to 10% of
Insured Sum Insured Sum Insured Sum Insured Sum Insured
27. Accidents that are results of war and warlike occurrence or invasion, acts of foreign enemies, hostilities, civil war, rebellion, insurrection, civil 5 Pre Hospitalisation Expenses incurred Up to 30 days Up to 30 days Up to 30 days Up to 30 days Up to 30 days Up to 30 days
commotion assuming the proportions of or amounting to an uprising, military or usurped power, seizure capture arrest restraints detainments of
6 Post Hospitalisation Expenses incurred Up to 60 days Up to 60 days Up to 60 days Up to 60 days Up to 60 days Up to 60 days
all kings princes and people of whatever nation, condition or quality whatsoever.
7a Delivery Charges – Normal Delivery 10,000/- 20,000/- 25,000/- 25,000/- 25,000/- 25,000/-
28. Participation in riots, confiscation or nationalization or requisition of or destruction of or damage to property by or under the order of any 15,000/- 40,000/- 40,000/- 40,000/- 40,000/- 40,000/-
7b Delivery Charges – Caesarean Section
government or local authority.
36 months for 36 months for 36 months for 36 months for 36 months for 36 months for
29. Any claim resulting or arising from or any consequential loss directly or indirectly caused by or contributed to or arising from: first delivery first delivery first delivery first delivery first delivery first delivery
a. Ionizing radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel or 8 Waiting Period for Delivery 24 months 24 months 24 months 24 months 24 months 24 months
from any nuclear waste from combustion (including any self sustaining process of nuclear fission) of nuclear fuel. after a delivery after a delivery after a delivery after a delivery after a delivery after a delivery
claim under claim under claim under claim under claim under claim under
b. Nuclear weapons material this policy this policy this policy this policy this policy this policy
c. The radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly or nuclear component thereof. Coverage for New Born Child
9 (Subject to a valid claim Up to Up to Up to Up to Up to Up to
d. Nuclear, chemical and biological terrorism 50,000/- 1,00,000/- 1,00,000/- 1,00,000/- 1,00,000/- 1,00,000/-
under 7a or 7b above)
30. Any claim arising out of sporting activities in so far as they involve the training or participation in competitions of professional or semi-professional
Vaccination Expenses for New Born Up to Up to Up to Up to Up to Up to
sports persons. 10 (Subject to a valid claim
under 7a or 7b above) 1,000/- 1,000/- 1,000/- 1,000/- 1,000/- 1,000/-
31. Participation in Hazardous Sport / Hazardous Activities
Out Patient Dental/Ophthal Coverage- Up to Up to Up to Up to
32. Persons who are physically and mentally challenged, unless specifically agreed and endorsed in the policy. 11 once in a block of every 3 years of Up to 5,000/- Up to 5,000/-
33. Any loss arising out of the Insured Person's actual or attempted commission of or willful participation in an illegal act or any violation or attempted continuous renewal 10,000/- 10,000/- 10,000/- 10,000/-
violation of the law. Out Patient Medical Consultation Up to 1,200/- Up to 1,500/- Up to 2,100/- Up to 2,400/- Up to 3,000/- Up to 3,3 00/-
12 coverage other than Out Patient (per (per (per (per (per (per
34. Any payment in case of more than one claim under the policy during the period of insurance by which the maximum liability of the Company in that Dental/ Ophthal Consultation consultation consultation consultation consultation consultation
period would exceed the amount specified in the Schedule limit Rs.300/-) limit Rs.300/-) limit Rs.300/-) limit Rs.300/-) limit Rs.300/-) limit Rs.300/-)
Hospital Cash upto 7 days per
35. Any other claim after a claim has been admitted by the Company and becomes payable for Death or Permanent Total Disablement, as 13 occurrence & upto 120 days per 500/- per day 750/- per day 750/- per day 1000/- per day 1000/- per day1500/- per day
mentioned In Table. policy period.(1 day time excess)
36. Any claim arising out of an accident related to pregnancy or childbirth, infirmity, whether directly or indirectly. Health Check Up once in a block of
14 every 3 claim free years of Up to 5,000/- Up to 7,500/ Up to 7,500/ Up to 12,000/-Up to 12,000/- Up to 12,000/-
37. Any claim for Death or Permanent Total Disablement of the Insured Person from self-endangerment unless in self-defense or to save life continuous renewal
v Claims Procedure Restoration benefit after exhaustion
15 of sum insured (once during 100% 100% 100% 100% 100% 100%
l Call the 24 hour help-line for assistance-1800 425 2255. Inform the ID/Policy number for easy reference. policy period)
l In case of planned hospitalization, inform 24 hours prior to admission in the hospital.
16 Bariatric Surgery (per policy period) 2,50,000/- 2,50,000/- 2,50,000/- 2,50,000/- 2,50,000/- 2,50,000/-
l In case of emergency hospitalization information to be given within 24 hours after hospitalization.
l Cashless facility can be availed in all network hospitals wherever possible 17 Cover for Accidental Death and 5,00,000/- 7,50,000/- 10,00,000/- 15,00,000/- 20,00,000/- 25,00,000/-
Permanent Total Disablement
l In non-network hospitals payment must be made up-front and then reimbursement will be effected on submission of documents
v The Company The information provided in this brochure is only indicative.
Star Health and Allied Insurance Company Ltd commenced its operations in 2006 with the business interests in Health Insurance, Travel and For more details on the risk factors, terms and conditions,
Personal Accident. As an exclusive Health Insurance Company and the first of its kind in India, the Company is committed insetting international please read the policy wordings before concluding sale
benchmarks in service and personal caring. Or
v Star Advantages Visit our website www.starhealth.in
l No Third Party Administrator, direct in-house claim settlement.
l Faster & hassle-free claim settlement.
l Cashless hospitalization, wherever possible.
l Network of more than 6000 hospitals across India.
l 24x7 Toll Free Helpline.
l Information on health through free health magazine.
l Facility for maintaining personal health records in electronic format “IRDAI OR ITS OFFICIALS DO NOT INVOLVE IN ACTIVITIES LIKE SALE OF ANY KIND OF INSURANCE OR FINANCIAL
v Portability PRODUCTS NOR INVEST PREMIUMS. IRDAI DOES NOT ANNOUNCE ANY BONUS. THOSE RECEIVING SUCH PHONE CALLS
This policy is portable. If the insured is desirous of porting this policy to another Insurer towards renewal, application in the appropriate form
ARE REQUESTED TO LODGE A POLICE COMPLAINT ALONG WITH DETAILS OF PHONE CALL AND NUMBER”
should be made to the Company at least before 45 days from the date when the renewal is due
Where the outcome of acceptance of portability is still waiting from the new insurer on the date of renewal, the existing policy will be extended on Buy Online: www.starhealth.in Avail Discount: 12.50%
the request of the Insured person, for a period not less than one month on pro rata premium. Such extended cover will be cancelled only on the Call Toll-free: 1800-425-2255 or 044-2828 8800 Fax Toll Free No: 1800-425-5522, sms STAR to 56677
written request by the Insured Person, subject to a minimum pro rata premium for one month. If the Insured Person requests in writing to
continue the policy with the Company without porting, it will be allowed by charging the regular premium with the same terms as per the expiring Email : [email protected] « CIN : U66010TN2005PLC056649 « IRDAI Regn. No: 129
policy. In case of a claim made by the Insured person and admitted by the Company during such extension, the policy will be extended for the STAR COMPREHENSIVE INSURANCE POLICY, Unique ID: IRDA/NL-HLT/SHAI/P-H/V.III/398/14-15
remaining period by charging the regular premium. Portability is not possible during the policy period.
For details contact “[email protected]”
v Prohibition of Rebates
Section 41 of Insurance Act 1938 (Prohibition of rebates): No person shall allow or offer to allow, either directly or indirectly, as an inducement to
any person to take out or renew or continue an insurance in respect of any kind of risk relating to lives or property in India, any rebate of the whole
or part of the commission payable or any rebate of the premium shown on the policy, nor shall any person taking out or renewing or continuing a
policy accept any rebate, except such rebate as may be allowed in accordance with the published prospectuses or tables of the insurer.
Any person making default in complying with the provisions of this section shall be liable for a penalty which may extend to ten lakh rupees.

391.066 mm x 208.656 mm - 6 Page Folder