Life Insurance
 
General Insurance
 
 
Star Health Insurance
 
   
 
 
 
Who Can Take This Insurance?
Any person aged between 10 years and 65 years and who has undergone for the first time PTCA (Stenting) or CABG (By-pass) within 4 years prior to the date of policy purchase can take this insurance.
The sum insured under this insurance is per individual member covered.
 
Policy Benefits
 
Section 1:
Hospitalisation Cover: Protects the insured for in patient hospitalisation expenses for a minimum of 24 hrs.These expenses include room rent,nursing and boarding charges, Surgeon, Anaesthetist, Medical Practitioner, Consultants, Specialist Fees,Cost of Medicines and Drugs.
Ambulance charges for emergency transportation to hospital as per specified limits.
Pre-Hospitalization expenses up to 30 days prior to admission in the hospital.
Post-hospitalisation paid as lump-sum upto the limit specified.
101 Day-care treatments covered
 
Pre-Existing Diseases / Illness :
Are covered after 48 months of continuous Insurance without break with any Indian Insurance Company.
 
Section 2 (Cardiac Section)
Cardiac ailments covered after 90 days. 2 Plans available -GOLD PLAN and SILVER PLAN. GOLD PLAN covers any cardiac related complications necessitating surgery / intervention and also cardiac medical management SILVER PLAN covers any cardiac related complications necessitating surgery / intervention only.
 
Pre- Acceptance medical screening:
All Persons will be required to undergo pre-acceptance medical screening at the Company nominated centers. Cost of screening is currently borne by the company.
 
Tax Benefits
Amount paid by any mode other than by cash for this insurance is eligible for relief under Section 80D of the Income Tax Act.
 
Who Can Take This Insurance?
Any person between 18years and 65 years of age who is already living with Diabetes Mellitus can take this insurance
No exit age
Policy is available on Individual and as well as Floater basis
Floater refers to family of 2-Self and Spouse
 
Policy Benefits
Covering any complications of Diabetes from day one.
Also provide regular hospitalization cover for all other ailments/injuries.
Pre Hospitalization expenses upto 30 days prior to the date of hospitalization.
Post Hospitalization expenses upto 60 days after discharge from the hospital not exceeding 7% of the hospitalization expenses or Rs 5000/- per hospitalization whichever is less
 
Pre-medical examination:
Applicable for Plan A
Not Applicable for Plan B.
 
Coverage :
Plan A 
(with medical examination)
Plan B 
(without medical examination)
Section 1 Section 2 Section 1 Section 2
Coverage Covers hospitalization for complications of Diabetes Covers hospitalization for all other ailments Covers hospitalization for complications of Diabetes Covers hospitalization for all other ailments
Waiting Period No waiting period 1) 30 days (except for accidents).

2) 24 months for specified illness / diseases / treatment.

3) 48 months for all pre-existing diseases except Diabetes Mellitus.
1) 30 days from the date of commencement.

2) 15 months - Cardiovascular system, Renal system, Diseases of eye and foot ulcer.
1) 30 days (except for accidents).

2) 24 months for specified illness / diseases / treatment.

3) 48 months for all pre-existing diseases except Diabetes Mellitus.
 
Special Features:
Automatic Restoration of Basic Sum Insured by 100%.
Note : This benefit is not available for Floater Policy
Cost of artificial limbs due to amputation up-to 10% of Sum Insured if a claim for such amputation is admissible under the policy.
More than 400 day care procedures.
 
Tax Benefits
Amount paid by any mode other than by cash for this insurance is eligible for relief under Section 80D of the Income Tax Act.
 
For more information, please Contact us.