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78ot ithstanding anything contained herein or other ise no refunds of premium shall e made in respect of ancellationhere any claim has een admitted or has een lodged or any enefit has een availed y the insured person under the policy.ii.he ompany may cancel the policy at any time on grounds of misrepresentation non disclosure of material factsfraud y the insured person y giving 15 days ritten notice. here ould e no refund of premium on cancellationon grounds of misrepresentation non disclosure of material facts or fraudCHo123um nsured Room oarding and ursing chargesU peration heatre hargesoad m ulance harges per policy period4ir m ulance per policy period567a.7 .re ospitalisation Expenses incurredost ospitalisation Expenses incurredelivery hargesormal eliveryelivery hargesaesarean ection8aiting eriod for elivery91011121314151617181920µµµoverage for e orn hild u ect toa valid claim under 7a or 7 a oveaccination Expenses for e orn u ectto a valid claim under 7a or 7 a oveut atient ental phthal overage nce in aloc of every 3 years of continuous rene alut atient edical onsultation overageother than ut atient ental phthalospital ash upto 7 days per occurrence upto120 days per policy period. 1 day time excessealth hec Up once in a loc of everyclaim free years of continuous rene alestoration enefit after exhaustion of suminsured pplica le for ection 1 onlyariatric urgery per policy periodover for ccidental eath andermanent otal isa lementUreatmentellness rogramuy acre Existing iseasesptional over127.50 mm127.50 mmTlacsrivate inglectualctualUp to s.2 50 000 perhospitali ation not exceedings.5 00 000 per policy periodUp to 60 daysUp to 90 days15 00020 00024 months for first delivery fromfirst inception of the policy24 months from claim under7a or 7 for next deliverylacsrivate inglectualctualUp to s.2 50 000 perhospitali ation not exceedings.5 00 000 per policy periodUp to 60 daysUp to 90 days25 00040 00024 months for first delivery fromfirst inception of the policy24 months from claim under7a or 7 for next deliverylacsrivate inglectualctualUp to s.2 50 000 perhospitali ation not exceedings.5 00 000 per policy periodUp to 60 daysUp to 90 days30 00050 00024 months for first delivery fromfirst inception of the policy24 months from claim under7a or 7 for next deliverylacsrivate inglectualctualUp to s.2 50 000 perhospitali ation not exceedings.5 00 000 per policy periodUp to 60 daysUp to 90 days30 00050 00024 months for first delivery fromfirst inception of the policy24 months from claim under7a or 7 for next deliverylacsrivate inglectualctualUp to s.2 50 000 perhospitali ation not exceedings.5 00 000 per policy periodUp to 60 daysUp to 90 days30 00050 00024 months for first delivery fromfirst inception of the policy24 months from claim under7a or 7 for next deliverylacsrivate inglectualctualUp to s.2 50 000 perhospitali ation not exceedings.5 00 000 per policy periodUp to 60 daysUp to 90 days30 00050 00024 months for first delivery fromfirst inception of the policy24 months from claim under7a or 7 for next deliverylacsrivate inglectualctualUp to s.2 50 000 perhospitali ation not exceedings.5 00 000 per policy periodUp to 60 daysUp to 90 days50 0001 00 00024 months for first delivery from firstinception of the policy24 months from claim under7a or 7 for next deliverylacsrivate inglectualctualUp to s.2 50 000 perhospitali ation not exceedings.5 00 000 per policy periodUp to 60 daysUp to 90 days50 0001 00 00024 months for first delivery fromfirst inception of the policy24 months from claim under7a or 7 for next deliverylacsrivate inglectualctualUp to s.2 50 000 perhospitali ation not exceedings.5 00 000 per policy periodUp to 60 daysUp to 90 days50 0001 00 00024 months for first delivery fromfirst inception of the policy24 months from claim under7a or 7 for next deliveryUp to 1 00 000Up to 1 00 000Up to 1 00 000Up to 1 00 000Up to 1 00 000Up to 1 00 000Up to 2 00 000Up to 2 00 000Up to 2 00 0005 0005 0005 0005 0005 0005 00010 00010 00010 000Up to 5 000Up to 5 000Up to 10 000Up to 10 000Up to 10 000Up to 10 000Up to 15 000Up to 15 000Up to 15 000Up to 1 200per onsultation limit s.300Up to 1 500per consultation limit s.300Up to 2 100per consultation limit s.300Up to 2 400per consultation limit s.300Up to 3 000per consultation limit s.300Up to 3 3 00per consultation limit s.300Up to 5 000per consultation limit s.300Up to 5 000per consultation limit s.300Up to 5 000per consultation limit s.300500 per day750 per day750 per day1000 per day1000 per day1500 per day2500 per day2500 per day2500 per dayUp to 2 000Up to 2 500Up to 3 000Up to 4 000Up to 4 500Up to 4 500Up to 5 000Up to 5 000Up to 5 000100% once during policy period100% once during policy period100% once during policy period100% once during policy period100% once during policy period100% once during policy period100% once during policy period100% once during policy period100% once during policy period2 50 0002 50 0002 50 0002 50 0005 00 0005 00 0005 00 0005 00 0005 00 0005 00 0007 50 00010 00 00015 00 00020 00 00025 00 00050 00 00075 00 0001 00 00 000Up to 15 000vaila levaila leote Eaiting eriod reducesfrom 36 months to 12 monthsUp to 15 000vaila levaila leote Eaiting eriod reducesfrom 36 months to 12 monthsnstalment Premium ptions lf the insured person has opted for ayment of remium on an instalment asisi.e. alf early or uarterly as mentioned in the policy chedule ertificate of nsurance the follo ing onditions shallapply not ithstanding any terms contrary else here in the policyi.race eriod of 7 days ould e given to pay the instalment premium due for the policyii.uring such grace period coverage ill not e availa le from the due date of instalment premium till the date ofreceipt of premium y ompanyiii.he insured person ill get the accrued continuity enefit in respect of the aiting eriodspecific aitingeriods in the event of payment of premium ithin the stipulated grace eriodiv.o interest ill e charged lf the instalment premium is not paid on due datev. ln case of instalment premium due not received ithin the grace period the policy ill get cancelledvi. ln the event of a claim all su se uent premium instalments shall immediately ecome due and paya levii.he company has the right to recover and deduct all the pending installments from the claim amount due under the policyi ration he insured person ill have the option to migrate the policy to other health insurance products plans offeredy the company y applying for migration of the olicy atleast 30 days efore the policy rene al date as perguidelines on igration. lf such person is presently covered and has een continuously covered ithout any lapses underany health insurance product plan offered y the company the insured person ill get the accrued continuity enefits inaiting periods as perguidelines on migration.or etailed uidelines on mi ration kindly refer the linkhttps.irdai.gov.incms frm uidelines ayout.aspx page age o3987Portability he insured person ill have the option to port the policy to other insurers y applying to such insurer to portthe entire policy along ith all the mem ers of the family if any at least 45 days efore ut not earlier than 60 days fromthe policy rene al date as perguidelines related to porta ility. lf such person is presently covered and has eencontinuously covered ithout any lapses under any health insurance policy ith an lndian eneral ealth insurer theproposed insured person ill get the accrued continuity enefits in aiting periods as perguidelines on porta ility.For details contact porta ility starhealth.in or call elephone o 91 044 28288869.or etailed uidelines on portability kindly refer the linkhttps.irdai.gov.incms frm uidelines ayout.aspx page age o3987µUp to 15 000vaila levaila leote Eaiting eriod reducesfrom 36 months to 12 monthsUp to 15 000vaila levaila leote Eaiting eriod reducesfrom 36 months to 12 monthsUp to 20 000vaila levaila leote Eaiting eriod reducesfrom 36 months to 12 monthsUp to 20 000vaila levaila leote Eaiting eriod reducesfrom 36 months to 12 monthsUp to 30 000vaila levaila leote Eaiting eriod reducesfrom 36 months to 12 monthsUp to 30 000vaila levaila leote Eaiting eriod reducesfrom 36 months to 12 monthsUp to 30 000vaila levaila leote Eaiting eriod reducesfrom 36 months to 12 monthsithdrawal of the policyn the li elihood of this product eing ithdra n in future the ompany ill intimate the insured person a out thesame 90 days prior to expiry of the policyii. lnsured erson ill have the option to migrate to similar health insurance product availa le ith the ompany at thetime of rene al ith all the accrued continuity enefits such as cumulative onus aiver of aiting period as perguidelines provided the policy has een maintained ithout a reaµµTa enefits ayment of premium y any mode other than cash for this insurance is eligi le for relief under ection 80 of thencome ax ct 1961.µutomatic piry he insurance under this policy ith respect to each relevant nsured erson shall expireimmediately on the earlier of the follo ing eventsü Upon the death of the nsured erson. his also means that in case of family floater policy cover for the othersurviving mem ers of the family ill continue su ect to other terms of the policyü Upon exhaustion of the imit of overageµProhibition of rebates ection 41 of nsurance ct 1938 o person shall allo or offer to allo either directly or indirectly as aninducement to any person to ta e out or rene or continue an insurance in respect of any ind of ris relating to lives or property inndia any re ate of the hole or part of the commission paya le or any re ate of the premium sho n on the policy nor shall anyperson ta ing out or rene ing or continuing a policy accept any re ate except such re ate as may e allo ed in accordance iththe pu lished prospectuses or ta les of the insurer. ny person ma ing default in complying ith the provisions of this section shalle lia le for a penalty hich may extend to ten la hs rupees.µClaim Procedurea.all the 24 hour help line for assistance 1800 425 2255 1800 102 4477.nform the num er for easy referencec.n admission in the hospital produce theard issued y the ompany at the ospital elpdesd.tain the re authorisation Form from the ospital elp es complete the atient nformation and resu mit tothe ospital elp es .e.n case of emergency hospitali ation information to e given ithin 24 hours after hospitali ationf.n non net or hospitals payment must e made up front and then reim ursement ill e effected on su mission ofdocuments i.µThe Company tar ealth and llied nsurance o. td. commenced its operations in 2006 as ndia s first tandaloneealth nsurance provider. s an exclusive ealth nsurer the ompany is providing sterling services in ealth ersonalccidentverseas ravel nsurance and is committed to setting international enchmar s in service and personalcaring.109735.00 mmtar d anta eso hird arty dministrator direct in house claims settlementFaster and hassle free claim settlementashless hospitali ationhe information provided in this rochure is only indicative.For more details on the ris factors terms and conditionsplease read the policy ordings efore concluding salerisit our e site.starhealth.intar Comprehensi e nsurance Policynique dentification oH H Puy this nsurance nline at.starhealth.in and avail 5% iscountall oll free 1800 425 2255 1800 102 4477 smsto 56677Fax oll Free o 1800 425 5522 « Email support starhealth.inU66010 2005056649 «egn. o 129IRDAI IS NOT INVOLVED INACTIVITIES LIKE SELLINGINSURANCE POLICIES, ANNOUNCINGBONUS OR INVESTMENT OFPREMIUMS. PUBLIC RECEIVING SUCHPHONE CALLS ARE REQUESTED TOLODGE A POLICE COMPLAINTPCancellation table applicable for Policy Term 3 Years without instalment optionPeriod on riskRate of premium to be retainedUp to one month17.5% of the policy premiumExceeding one month up to 3 months22.5% of the policy premiumExceeding 3 months up to 6 months30% of the policy premiumExceeding 6 months up to 9 months37.5% of the policy premiumExceeding 9 months up to 12 months42.5% of the policy premiumExceeding 12 months up to 15 months50% of the policy premiumExceeding 15 months up to 18 months57.5% of the policy premiumExceeding 18 months up to 21 months65% of the policy premiumExceeding 21 months up to 24 months72.5% of the policy premiumExceeding 24 months up to 27 months80% of the policy premiumExceeding 27 months up to 30 months85% of the policy premiumExceeding 30 months up to 33 months92.5% of the policy premiumExceeding 33 monthsFull of the policy premiumCancellation table applicable for Policy Term 3 Years with instalment option of Half-yearly premium payment frequencyPeriod on riskRate of premium to be retainedUp to one month45% of the total premium receivedExceeding one month up to 4 months87.5% of the total premium receivedExceeding 4 months up to 6 months100% of the total premium receivedExceeding 6 months up to 7 months65% of the total premium receivedExceeding 7 months up to 10 months85% of the total premium receivedExceeding 10 months up to 12 months100% of the total premium receivedExceeding 12 months up to 15 months90% of the total premium receivedExceeding 15 months up to 18 months100% of the total premium receivedExceeding 18 months up to 21 months90% of the total premium receivedExceeding 21 months up to 24 months100% of the total premium receivedExceeding 24 months up to 27 months95% of the total premium receivedExceeding 27 months up to 30 months100% of the total premium receivedExceeding 30 months up to 33 months92.5% of the total premium receivedExceeding 33 months100% of the total premium receivedCancellation table applicable for Policy Term 3 Years with instalment option of Quarterly premium payment frequencyPeriod on riskRate of premium to be retainedUp to one month87.5% of the total premium receivedExceeding one month up to 3 months100% of the total premium receivedExceeding 3 months up to 4 months87.5% of the total premium receivedExceeding 4 months up to 6 months100% of the total premium receivedExceeding 6 months up to 7 months85% of the total premium receivedExceeding 7 months up to 9 months100% of the total premium receivedExceeding 9 months up to 10 months85% of the total premium receivedExceeding 10 months up to 12 months100% of the total premium receivedExceeding 12 months up to 13 months97.5% of the total premium receivedExceeding 13 months up to 15 months100% of the total premium receivedExceeding 15 months up to 16 months95% of the total premium receivedExceeding 16 months up to 18 months100% of the total premium receivedExceeding 18 months up to 19 months95% of the total premium receivedExceeding 19 months up to 21 months100% of the total premium receivedExceeding 21 months up to 22 months92.5% of the total premium receivedExceeding 22 months up to 24 months100% of the total premium receivedExceeding 24 months up to 25 months97.5% of the total premium receivedExceeding 25 months up to 27 months100% of the total premium receivedExceeding 27 months up to 28 months97.5% of the total premium receivedExceeding 28 months up to 30 months100% of the total premium receivedExceeding 30 months up to 31 months95% of the total premium receivedExceeding 31 months up to 33 months100% of the total premium receivedExceeding 33 months up to 34 months95% of the total premium receivedExceeding 34 months100% of the total premium received120.00 mmCCancellation table applicable for Policy Term Year with instalment option of Half-yearly premium payment frequencyPeriod on riskRate of premium to be retainedUp to one month45% of the total premium receivedExceeding one month up to 4 months87.5% of the total premium receivedExceeding 4 months up to 6 months100% of the total premium receivedExceeding 6 months up to 7 months65% of the total premium receivedExceeding 7 months up to 10 months85% of the total premium receivedExceeding 10 months100% of the total premium receivedCancellation table applicable for Policy Term Year with instalment option of Quarterly premium payment frequencyPeriod on riskRate of premium to be retainedUp to one month87.5% of the total premium receivedExceeding one month up to 3 months100% of the total premium receivedExceeding 3 months up to 4 months87.5% of the total premium receivedExceeding 4 months up to 6 months100% of the total premium receivedExceeding 6 months up to 7 months85% of the total premium receivedExceeding 7 months up to 9 months100% of the total premium receivedExceeding 9 months up to 10 months85% of the total premium receivedExceeding 10 months100% of the total premium receivedCancellation table applicable for Policy Term Years without instalment optionPeriod on riskRate of premium to be retainedUp to one month17.5% of the policy premiumExceeding one month up to 3 months25% of the policy premiumExceeding 3 months up to 6 months37.5% of the policy premiumExceeding 6 months up to 9 months47.5% of the policy premiumExceeding 9 months up to 12 months57.5% of the policy premiumExceeding 12 months up to 15 months67.5% of the policy premiumExceeding 15 months up to 18 months80% of the policy premiumExceeding 18 months up to 21 months90% of the policy premiumExceeding 21 monthsFull of the policy premiumCancellation table applicable for Policy Term Years with instalment option of Half-yearly premium payment frequencyPeriod on riskRate of premium to be retainedUp to one month45% of the total premium receivedExceeding one month up to 4 months87.5% of the total premium receivedExceeding 4 months up to 6 months100% of the total premium receivedExceeding 6 months up to 7 months65% of the total premium receivedExceeding 7 months up to 10 months85% of the total premium receivedExceeding 10 months up to 12 months100% of the total premium receivedExceeding 12 months up to 15 months90% of the total premium receivedExceeding 15 months up to 18 months100% of the total premium receivedExceeding 18 months up to 21 months90% of the total premium receivedExceeding 21 months100% of the total premium receivedCancellation table applicable for Policy Term Years with instalment option of Quarterly premium payment frequencyPeriod on riskRate of premium to be retainedUp to one month87.5% of the total premium receivedExceeding one month up to 3 months100% of the total premium receivedExceeding 3 months up to 4 months87.5% of the total premium receivedExceeding 4 months up to 6 months100% of the total premium receivedExceeding 6 months up to 7 months85% of the total premium receivedExceeding 7 months up to 9 months100% of the total premium receivedExceeding 9 months up to 10 months85% of the total premium receivedExceeding 10 months up to 12 months100% of the total premium receivedExceeding 12 months up to 13 months97.5% of the total premium receivedExceeding 13 months up to 15 months100% of the total premium receivedExceeding 15 months up to 16 months95% of the total premium receivedExceeding 16 months up to 18 months100% of the total premium receivedExceeding 18 months up to 19 months95% of the total premium receivedExceeding 19 months up to 21 months100% of the total premium receivedExceeding 21 months up to 22 months92.5% of the total premium receivedExceeding 22 months100% of the total premium received120.00 mmR120.00 mmnsurance is the su ect matter of solicitation210.00 mm120.00 mm
127.50 mm127.50 mmµµ210.00 mmnique dentification oH H Phen health issues can t e predicted health insurance is the est option availa le to overcome the heavy financial loss that occurs inthe form of hospitali ation and medical expenses.he right decision of purchasing a health insurance policy should complement the ise move of pic ing the right one. recise to sayhaving a policy that offers complete protection is more essential than ust having a health insurance cover.resentingomprehensive nsurance olicy ith rene ed features. his policy is carefully crafted to offer complete protectionagainst all health care eventualities for an entire family on individual and floater asis.µli ibilityØ Entry age et een 3 months and 65 yearsØifelong rene als guaranteedØo exit ageØolicy ype ndividual Floater Family i e aximum 2 dults 3 ependent hildrenØependent children those ho are economically dependent on their parents can e covered upto 25 years of ageµum nsured ptions s.5 00 000 s.7 50 000 s.10 00 000 s.15 00 000 s.20 00 000 s.25 00 000 s.50 00 000s.75 00 000 s.1 00 00 000.µ Policy Term 1 year 2 year 3 year . For policies more than one year the asic um nsured is for each year ithout any carryover enefit thereof.µ nstalment acility a ailable remium can e paid uarterly and alf yearly. remium can also e paid nnually iennialnce in 2 years and riennial nce in 3 years .Quarterly - 3 Half Yearly ill e applica le on the annual premiumµ Pre-acceptance medical screenino re acceptance medical screening.µay Care Procedures ll ay are rocedures are covered.µidterm inclusion of ne ly married edded spouse and e orn a y is permissi le on paying additional premium. heintimation a out the marriage ne orn should e given ithin 60 days from the date of marriage or ne orn. he cover ill efrom the date of payment of premium.µ Co era e ection. Hospitalisation co er oom rivate ingleroom oarding and ursing Expensesote Hospitali ation penses which ary based on the room rent occupied by the insured person will be consideredin proportion to the room rent limit room cate ory stated in the policy schedule or actuals whiche er is less.urgeon nesthetist edical ractitioner onsultants pecialist Fees.nesthesia lood xygen peration heatre charges U charges urgical ppliances edicines and rugsiagnostic aterials and ray diagnostic imaging modalities ialysis hemotherapy adiotherapy cost of acema er. Road ambulance e penses u ect to an admissi le hospitali ation claim road am ulance expenses incurred for thefollo ing are paya lei.for transportation of the insured person y private am ulance service to go to hospital hen this is needed for medicalreasonsorii. for transportation of the insured person y private am ulance service from one hospital to another hospital for ettermedical treatmentoriii. for transportation of the insured person from the hospital here treatment is ta en to their place of residence providedthe re uirement of an am ulance to the residence is certified y the medical practitionerE.ir mbulance e penses up to s.2 50 000 per hospitali ation not exceeding s.5 00 000 per policy periodF. Pre-Hospitali ation medical expenses incurred for a period not exceeding 60 days prior to the date of hospitali ation. Post Hospitali ation medical expenses incurred for a period up to 90 days from the date of discharge from the hospital.utpatient edical Consultation Expenses on edical onsultations as an ut atient incurred in a et or ed Facilityfor other than ental and phthalmic treatments up to the limits mentioned in the schedule of enefits ith a limit of s.300per consultation. his enefit ill not reduce the sum insuredote ayment of any claim under utpatient edical onsultation shall not e construed as a aiver of ompany s right torepudiate any claim on grounds of non disclosure of material fact or pre existing disease for hospitali ation expenses underhospitali ation provisions of the policy contract.omiciliary hospitali ation overage for medical treatment including Ufor a period exceeding three days for anillness disease in ury hich in the normal course ould re uire care and treatment at a ospital ut on the advice of theattending edical ractitioner is ta en hilst confined at home under any of the follo ing circumstancesi.he condition of the patient is such that he she is not in a condition to e removed to a ospital orii.he patient ta es treatment at home on account of non availa ility of room in a hospitalo ever this enefit shall not cover sthma ronchitis hronic ephritis and ephritic yndrome iarrhoea and all typesof ysenteries including astro enteritis ia etes ellitus and nsipidus Epilepsy ypertension nfluen a ough andold all sychiatric or sychosomatic isorders yrexia of un no n origin for less than 10 days onsillitis and Upperespiratory ract infection including aryngitis and haringitis rthritis out and heumatism.1µµµµµµµ120.00 mmeli.ery and ew orn ectionExpenses incurred as in patient for elivery including elivery y aesarean sectionreatment of the e ornaccination expenses for the ne orn a y are paya le up to the limits mentioned in the schedule of enefits until the neorn a y completes one year of age and is added in the policy on rene al. laim under this is admissi le only if claim underof ection 2 a ove has een admitted and hile the policy is in forceoverage under this section is su ect to a aiting period of 24months and paya le only hile the policy is in force.ut-patient ental and phthalmic Treatment ection 3 Expenses incurred on acute treatment to a natural tooth or teeth orEye are paya le once in every loc of 3 years of continuous coverage.he treatment can e ta en as an utpatient. For limits please refer schedule of enefits. his is in addition to sum insured.ote ayment of any claim under this section shall not e construed as a aiver of ompany s right to repudiate any claim ongrounds of non disclosure of material fact or pre existing disease for hospitali ation expenses under hospitali ation provisions ofthe policy contract.r an onor penses ectionn patient hospitali ation expenses incurred for organ transplantation from the onor to theecipient nsured erson are paya le provided the claim for transplantation is paya le. n addition the expenses incurred y theonor if any for the complications that necessitate a edo urgery U admission ill e covered.he coverage limit under this section is over and a ove the imit of overage and up to the asic um nsured. his additionalum nsured can e utili ed y the onor and not y the nsured.Hospital Cash enefit ectionØaya le for each completed day of ospitalisation up to 7 days per occurrence and maximum of 120 days during the entirepolicy periodØhis enefit is su ect to an excess of first 24 hours of ospitali ation for each and every claim. laims under this section illnot reduce the um nsuredHealth Check p ectionhis enefit is paya lefor every claim free year up to the limits mentioned in the schedule of enefits.ariatric ur ery ectionahe expenses incurred on hospitali ation for ariatric surgical procedure and its complications thereof are paya le upto thelimits mentioned in the schedule of enefits during the policy periodhis maximum limit of s.2 50 000 and s.5 00 000 are inclusive of pre hospitali ation and post hospitali ation expensesche limit of cover for ariatric urgery forms part of sum insured under ection 1doverage under this section is su ect to a aiting period of 36 months and paya le only hile the policy is in forception for econd edical pinion ectionhe nsured erson is given the facility of o taining a econd edical pinionfrom a octor in the ompany s net or of edical ractitioners.o utili ed this enefit all medical records should e for arded to the mail id e medicalopinion starhealth.in.Y H Treatment ectionn patient hospitali ation expenses incurred on treatment under yurveda Unani idha andomeopathy systems of medicines in a overnment ospital or in any institute recogni ed y the government and or accreditedy the uality ouncil of ndia ational ccreditation oard on ealth as in patient is paya le up to the limits mentioned in thechedule of enefits.ote1ayment under this enefit forms part of the sum insured and also ill impact the onus2oga and aturopathy systems of treatment are excluded from the scope of coverage under U treatmentccidental eath and Permanent Total isablement ection1.ccidental eath2.ermanent otal isa ility follo ing an accident3.ependent children and persons a ove 70 years can e covered under accidental death and permanent total disa lementupto the sum insured of s.10 00 000he sum insured for this cover is separately indicated in schedule of enefits. over is availa le for one insured personopted y the proposerpecial eaturesØtar ellness Pro ram ectionhis program intends to promote incentivi e and to re ard the nsured ersonshealthy life style through various ellness activities. he ellness activities as detailed in the e site are designed to helpthe nsured person to earn ellness re ard points hich ill e trac ed and monitored y the ompany. he ellness pointsearned y the nsured erson s under the ellness program can e utili ed to get discount in premium.he follo ing ta le sho s the discount on premium availa le under the ellness rogramellness Points arned200 to 350351 to 600601 to 750751 to 1000iscount in Premium2%5%7%10%For more information lease visit our e site.starhealth.inØhe prospect has the option to opt for reduction of aiting period in respect ofuy ack Pre- istin isease ectionre Existing iseases from 36 months to12 months on payment of additional premium. his option is availa le only if the firstpurchase of an indemnity insurance policy is a tar omprehensive nsurance olicy and also only upto um nsured chosenat that time. his option is not availa le for rene al or policies ported from other nsurance ompanies. he prospect has toundergo pre acceptance medical screening at ompany s nominated centre. t present 100% of cost of the pre acceptancemedical screening ill e orne y the ompany. he ompany may re uire the prospect to share this cost maximum 50% .2µ120.00 mmµutomatic Restoration of um nsured pplicable for ection nly here shall e automatic restoration of theasic um nsured y 100% immediately upon exhaustion of the asic um nsured and accrued umulative onus ifany once during the policy period.t is made clear that such restored um nsured can e utili ed for the su se uent hospitali ation even for the illness diseasefor hich claim s as ere already made.uch restoration ill e availa le for section 1 other than ection 1 . his enefit is not availa le for odern reatments.µCumulati e onus pplicable for ection other than H ectionectionectionectionandection 3 here the sum insured under the policy is s.5 00 000 the insured person ould e entitled t
µ The Company tar ealth and llied nsurance o. td. commenced its operations in 2006 as ndias first tandalone ealth nsurance provider. s an exclusive ealth nsurer the ompany is providing sterling services in ealth ersonal ccident verseas 7ravel nsurance and is committed to setting international enchmars in service and personal caring.
