Star Shri Individual Care

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Star Shri Individual Care

	Eligibility
Entry Age (years)
Minimum		18; 5 months for children applicable under Section 1 only
Maximum		50
Maximum Policy Renewal Age (years)		60 (for health cover, policyholder may migrate to any other health insurance policy offered by Star Health Insurance after attainment of 60 years of age with continuity of existing policy benefits). 60 years for section 2 (Life Insurance).
Coverage Type		Individual
Policy Term (years)		1
Sum Insured (Rs)
Maximum		5 lakh. Maximum Sum Insured under Section 2 will be subject to maximum of health Sum Insured taken in section 1
Minimum		1 lakh for both Sections
Tax Benefit		Section 80D and Section 80C of the Income Tax Act are applicable
Discount		5% for every claim free year till it reaches 25% of initial sum insured (under section1 only)
Pre Policy Medical Check Up		Not required
Free look Period		15 days starting from the receipt of policy
Grace Period for Policy Renewal		15 days
Customer Service
Address		Star Health and Allied Insurance Company Limited Corporate Office: No.1, New Tank Street, Valluvar Kottam High Road, Nungambakkam, Chennai - 600034.
Mail to		support@starhealth.in, info@starhealth.in
Call to		1800 425 6116(Shriram Life) or 1800 425 2255(Star health)

 

	Scope of Cover
Cashless facility		available at empanelled network of hospitals
Re-imbursement		available if treatment taken in non network hospital
Pre-hospitalization		covers medical expenses upto 30 days prior to the hospitalization
Post-hospitalization		lump sum calculated at 7% of the hospitalization expenses (excluding room charges) subject to a maximum of Rs.5,000 per occurrence
Section 1
Inpatient hospitalization		covers sickness, illness, diseases and accidental injuries
Room rent, boarding		2% of Sum Insured subject to a maximum of Rs 4000 per day
nursing expenses , surgeon's fees, consultant's fees, anesthetist's and specialists fees		covered
Emergency ambulance		covered for Rs 750 per hospitalization upto maximum of Rs 1500 per policy period
Cost of medicines and drugs		covered
Non allopathic treatment		covered upto 25% of sum insured subject to a maximum of Rs 25000 per occurrence per policy period
Section 2
Life Insurance		covers policy proposer who is also an earning member; pays sum assured on demise of policyholder
Surrender value		Nil

 

	Exclusions and Waiting Period
under Section 1 (Health Cover)
Pre-existing diseases		covered after a period of 48 months
No claim period		Any disease contracted during the first 30 days of commencement of the policy
Waiting Period		Certain diseases such as cataract, varicose veins etc. will be covered after a period of 2 years.Certain diseases such as hernia, piles, sinusitis etc. will be covered after a period of 1 year
under Section 2 (Life Insurance)		Suicide within 1 year whether sane or insane from commencement/ reinstatement of the policy.
Waiting Period		90 days in case of section 2 (life cover) beginning from the inception of the policy (except for accidental death)
General Exclusions		Naturopathy treatmentNon allopathic treatmentCosmetic, beauty, weight reduction and other likely treatments.War, participation in any criminal activity or any other related condition

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