STAR COMPREHENSIVE INSURANCE POLICY

1. STAR COMPREHENSIVE INSURANCE POLICY

2. Family Floater • Family Size : 2A + 3C • Age At Entry : 5months to 65 years RENEWALS GUARANEED TILL LIFELONG . Allowable Expenses… • No Cap on Room Rent. • No Sub limits on any Hospitalization Expenses including Day Care Procedures. • Pre hospitalization up to 30 days & Post hospitalization expenses can be claimed up to 60 days on actual basis. • ( All bills, receipts, reports, Prescription to be submitted).

3. Ambulance Charges Star Comprehensive Insurance Policy

4. Hospital Cash… What is Hospital Cash? Can be termed as incidental Expenses (say Auto Expenses, food, lodging boarding etc for the attendee) Do I need to submit any bills ? No….. How do I claim Hospital Cash? Will be paid as a reimbursement

5. Time Excess : One day Hospital Cash… • Per hospitalization : 7 days • Per policy Period : 120 days • To be paid only in case of Inpatient Treatment.

6. Sum Insured Options… Age @ Entry (61 – 65) SI restricted to 5 lacs/7.50 lacs Maximum during lifetime. Sum Insured (Rs.) 5 Lakhs 7.50Lakhs 10 Lakhs 15 Lakhs 20 Lakhs 25 Lakhs Star Comprehensive Insurance Policy

7. Delivery and New Born Baby Cover.. Waiting period 36 months • Maximum 2 deliveries. Waiting period between the first delivery claim and the second one is 24 months.

8. Delivery charges.. Can I claim for room rent, doctor fees over above the delivery charges? No…It’s a package and nothing extra is payable is over and above what is shown as Delivery Charges. This package also includes pre and post Natal Check Up. No loading is applicable for Delivery & New Born Baby cover.

9. Delivery and New Born Baby Cover.. • New Born Baby Coverage for the remaining policy period • Vaccination expenses up to Rs 1000/- incurred on the new born baby. • Subject to Valid claim for Delivery. • Covers congenital defects both internal and external. Both these claims are over and above the Sum Insured.

10. New Born Baby Cover.. Benefit illustration : SI : 5 lacs : Family size 2A • Baby is born when there are two months left for renewal. • For two months the baby is covered for 50K for any impatient treatment. • On renewal, the policy is renewed for 5 lacs and the child, although less than 5 months, which is the entry age, assumes the main SI and is covered for all congenital internal as well as external disease also.

11. Outpatient Claim Dental/Ophthalmic Payable after every block of 36 months Waiting period 36 months

12. Outpatient Claim - Dental/Ophthalmic • For What all Treatments ?....... • Dental : Gingivectomy, Root Canal, Braces, Teeth whitening, Cavity etc. • Ophthalmic : Eye check up, Contact Lens and Spectacles etc… . . No loading for this claim. Is over and above the Sum Insured.

13. Cost of Health Check-up.. • Cost of Health Check-up to the limits specified after a block of 3 Claim free years of continuous coverage • Benefit payable for insured persons who have been continuously insured under the policy .

14. Automatic Restoration of Sum Insured.. • Restoration of Sum Insured Automatically upto 100% of Sum Insured on exhaustion of Full Sum Insured. • No Extra premium to be charged. • Restored amount cannot be used for the same disease for which the Basic Sum Insured has been used. Benefit illustrations Family size 2A, Sum Insured 5 lacs. 4th year of the policy period .

15. Benefit illustrations • 1st Inpatient claim settled for 5 lakhs. • Claim for Delivery, New Born Baby cover, Dental/Ophthalmic (Rs.65K) will be still settled even if the main SI is already exhausted in the first inpatient claim. • For the 2nd inpatient claim, Automatic Restoration SI will be utilised.

16. Waiting period of two years for certain diseases

17. No claim Bonus .. • The insured would be entitled to benefit of bonus over and above the basic sum insured following a claim free year as per the table given below. • The maximum bonus under the policy will not be more than 100% of the sum insured under any circumstances.

18. No claim Bonus ..

19. Co-payment.. • 10% co-payment for persons entering between 61 yrs and 65 yrs and continues thereafter • Co-payment applicable only for Section I claims • All other exclusions remain unchanged. Health is Wealth Enhance your Wealth

20. Star Comprehensive v/s Apollo’s Easy Health Star Comprehensive Insurance Policy

21. Benefit Illustration - I Claim under Delivery and New Born Baby Cover: Sum Insured for the 1st year - Rs. 5,00,000/- Sum Insured for the 2nd Year - Rs. 7,50,000/- Sum Insured for the 3rd year - Rs. 7,50,000/- Sum Insured for the 4th Year - Rs. 5,00,000/- • A claim is made in the 4th year • The eligibility will be as per 5 lakh Sum Insured i.e. Rs 10,000/- for Normal and Rs 15,000/- for Caesarean delivery. • Rs 50,000/- for New Born Baby • Rs 1,000/- for Vaccination • The limit is inclusive of pre-natal and post-natal expenses Star Comprehensive Insurance Policy

22. Benefit Illustration - II Claim for Health Check Up Sum Insured for the 1st year - Rs. 5,00,000/- Sum Insured for the 2nd Year - Rs. 7,50,000/- Sum Insured for the 3rd year - Rs. 7,50,000/- Sum Insured for the 4th Year - Rs. 10,00,000/- Benefits of Health Check Up will be as per Rs 10 lakhsi.e upto Rs 7,500/- Star Comprehensive Insurance Policy

23. Benefit Illustration - III Claim for OP treatment for Dental /Opthal Sum Insured for the 1st year - Rs. 5 lacs Sum Insured for the 2nd Year - Rs. 7.50 lacs Sum Insured for the 3rd year - Rs. 7.50 lacs Sum Insured for the 4th Year - Rs. 10 lacs Benefit under this section in the fourth year will be as per Rs 10 Lakh SI which will be Rs 10000/- Benefit Illustration - IV Admission for Arthroscopic Repair during the 3 year. Sum Insured for 1st Year - Rs. 5 lakhs Sum Insured for 2nd Year - Rs. 7.50 Lakhs Sum Insured Limit for the above treatment will be Rs 5 Lakhs/- (Refer Exclusion 3) Star Comprehensive Insurance Policy