Tax benets Payment made by any mode other than cash is eligible for relief under secon 80D

of the Income Tax Act. Exclusions Treatments currently availed or availed during the previous 12 months from the date of the proposal Any expenses incurred for the treatment of illness/ disease/sickness contracted by the insured person during the rst 30 days from the commencement date of the policy First-Year Exclusions: Hernia, Piles, Hydrocele, Cogenital Internal disease /defect, Sinusis, Gallstones/Renal Stone removal and Benign Prostate Hypertrophy First Two-Year Exclusions: Cataract, Hysterectomy for Menorrhagia or Fibromyoma, Knee Replacement Surgery (other than caused by an accident), Joint Replacement Surgery (other than caused by an accident), Prolapse of interverbral disc (other than caused by accident), Varicose veins and Varicose ulcers. Naturopathy treatment Expenses which are purely diagnosc in nature with no posive existence of any disease Expenses for treatments that are mainly cosmec in nature 50% co-payment applicable for pre-exisng diseases/ condions 30% co-payment applicable for all other claims Note: For a detailed list of exclusions, refer policy documents. Portability : This policy is subject to portability. Claims procedure Call the 24-hour helpline for assistance Inform the ID/Policy number for easy reference In case of planned hospitalizaon, please inform 24 hours prior to admission into the hospital In case of emergency hospitalizaon, informaon to be given within 24 hours aer the hospitalizaon Cashless facility can be availed wherever possible at network hospitals NOTE : The benets and exclusions menoned herein are only an outline of the policy. For complete details, please contact your nearest Star Health oce.
SPC 12.01.13- 50K- PO : 049

policy accept any rebate except such rebate as may be allowed in accordance with the published prospectus or tables of the Insurer. Any person making default in complying with the provision of this secon shall be punishable with ne, which may extend to ve hundred rupees. The Company Star Health And Allied Insurance Co Ltd is a joint venture between Oman Insurance Company, UAE, leading NRIs and Indian business houses. It has a capital base of INR 438 crores. As an exclusive Health Insurance Company and the rst of its kind in India, the Company is commied to seng internaonal benchmarks in service and personal caring. Star advantages No Third Party Administrator (TPA), direct in-house claims selement Faster and hassle-free claim selement Cashless hospitalizaon wherever possible Network of more than 4900 hospitals across India 24x7 toll-free helpline Free expert medical consultaon over phone Informaon on health through free health magazine Buy online : www.starhealth.in

Prohibion of rebates Prohibion of rebates : (Secon 41 of the Insurance Act) No person shall allow or oer to allow either directly or indirectly as inducement to take out renew or connue an insurance in respect of any kind of risk relang to lives or property in India any rebate of the whole or part of the commission payable on the premium shown on the policy nor shall any person taking out renewing or connuing a

Treatment for Cardiovascular Diseases/ Cerebrovascular Accident/Cancer and breakage of bones are covered subject to the following limits:

Turning sixty is a major milestone and for people, a me to start being more careful about their health. It is a maer of concern that insurance policies are hardly available to address this crical requirement. STAR Health is proud to introduce a health insurance policy aimed specically at senior cizens. It provides cover to anyone over the age of 60 and permits entry right up to the age of 75 with connuing cover thereaer it is our way of caring for a generaon that has done so much to build the country we have today. Major product features Entry age 60 and 75 years Guaranteed renewals beyond 75 years No pre-insurance medical test required Treatment at network hospitals only All pre-exisng diseases are covered from rst year, except those for which treatment or advice was recommended by or received during the immediately preceding 12 months from the date of proposal. Disease for which treatment or advice was recommended by or received during the immediately preceding 12 months from the date of proposal will be covered from second year onwards. Policy benets Hospitalizaon Cover: In-paent hospitalizaon expenses for a minimum of 24 hours. Includes room rent and boarding upto 1% of sum insured subject to a maximum of Rs. 4000/- per day. ICU expenses per day upto 2% of sum insured Nursing expenses Surgeon, Anesthest, Medical Praconer, Consultants, Specialist Fees subject to a maximum of 25% of the sum insured per hospitalisaon. Cost of blood, oxygen, pacemaker Cost of drugs and diagnosc tests upto 50% of sum insured per hospitalizaon. Emergency ambulance charges for transporng the insured paent to the hospital upto a sum of Rs. 600/- per hospitalizaon and overall limit of Rs. 1,200/per policy period.

A discount of 10% of the above premium will be allowed if the Proposer produces the following documents to the sasfacon of the Company: a. Stress Thallium Report* b. BP Report* c. Sugar (blood & urine)* d. Blood Urea & Creanine* e. Self-declaraon or cercaon that surgeries related to Heart/Brain/Cancer has/have not been done in the past
* The tests should have been taken not before 45 days from the date of the proporal

Renewal The policy will be renewed except on grounds of misrepresentaon/fraud commied. Where the claims rao for the expiring policy exceeds 100% premium loading as per the table given below would be applicable.

However in respect of disease / sickness / illness the sum insured will be restricted to that policy sum insured when the signs or symptoms was diagnosed / received medical advice / treatment. A grace period of 15 days from the date of expiry of the policy is available for renewal. If renewal is made within this 15-day period, the connuity of benets will be allowed. However the actual period of cover will start only from the date of payment of premium. In other words, no protecon is available between the policy expiry date and the date of payment of premium for renewal. Cancellaon: Post-hospitalizaon Post-hospitalizaon - a lumpsum calculated at 7% of the hospitalizaon expenses (excluding room rent), subject to a maximum of Rs. 5,000/- is payable. Policy Premium - (Service Tax Extra 12.36%) The Company may at any me cancel this policy on grounds of misrepresentaon, fraud, non-disclosure of any material fact or non-co operaon of the insured by sending 30 days noce by registered leer at the insureds last known address. The insured may at any me cancel this Policy and in such event the company shall allow refund of premium at companys short period rate only (table given here below) provided no claim has occurred up to the date of cancellaon. PERIOD ON RISK Up to one-month Up to three Months Up to six Months Exceeding 6 months RATE OF PREMIUM TO BE CHARGED 1/3rd of the annual premium 1/2 of the annual premium 3/4th of the annual premium full annual premium

Sum Insured (Rs.) 1,00,000 2,00,000 3,00,000 4,00,000 5,00,000

Premium (Rs.) 4,450 8,456 12,900 15,501 18,000