EMI Health Insurance

Parameters Star Comprehensive Insurance Policy UIN: SHAHLIP2077V041920 Features About the policy Covers hospitalisation expenses incurred as a result of illness and/or accidental injuries Type of Cover Individual Sum Insured / Floater Sum Insured (Family Size - 2 Adults + 3 Dependent Children) Entry Age For Adults: 18years – 65years For Dependent Children: 91 days to 25 years Midterm Inclusion Available for including Newly married spouse and New Born on paying additional premium (Intimation about the marriage/ newborn should be given within 60 days from the date of marriage/ new born) Co-payment 10% Co-payment is applicable if the Insured age at entry is above 60 years Renewal Lifelong Policy Term One Year & Two year Pre Policy Medical Checkup Not Required Sum Insured Options (Rs. in Lacs) 5 7.5 10 15 20 25 50 75 100 Primary Cover & Additional benefits Hospitalization - Room Rent Private Single AC Room (Actuals) ICU, Dr Fees, Tests, Medicines Covered (Actuals) Road Ambulance Charges Covered (Actuals) (i) for transportation to hospital (ii) from one hospital to other hospital (iii) from hospital to residence Pre & Post Hospitalization 60 days & 90 days (Actuals) Organ Donor Expenses Covered (Actuals) Additional SI up to Basic SI for the Complications(if any) that necessitate a Redo Surgery/ICU admission Day Care Procedures All day care procedures are covered (Actuals) Domiciliary hospitalization Covered (Actuals) Covered for the period exceeding three days Psychiatric & Psychosomatic Covered (Actuals) Air Ambulance Covered Up to Rs.2,50,000/- per hospitalization and maximum up to Rs.5,00,000/- per policy year Star Wellness Program Available for Insured aged => 18 yrs Wellness platform is available both in our mobile app “Star Power” & Customer Portal (Retail) The Insured can earn reward points and avail premium discount up to 10% on the renewal premium by enrolling and achieving the wellness goals. For details please refer the policy wording / prospectus. Sum Insured Options (Rs. in Lacs) 5 7.5 10 15 20 25 50 75 100 Accidental Death & PTD 5 7.5 10 15 20 25 50 75 100 For Dependent Child & Persons aged above 70 years, this cover is available up to 10 Lacs only. Bariatric Surgery (Waiting Period 36 months) 2,50,000 2,50,000 2,50,000 2,50,000 5,00,000 5,00,000 5,00,000 5,00,000 5,00,000 Ayush Treatment (For Ayurveda, Unani, Sidha & Homepathy) 15,000 15,000 15,000 15,000 20,000 20,000 30,000 30,000 30,000 Delivery Exp., (Waiting Period 24 months) & New Born Cover Normal 15,000 25,000 30,000 30,000 30,000 30,000 50,000 50,000 50,000 Caesarean 20,000 40,000 50,000 50,000 50,000 50,000 1,00,000 1,00,000 1,00,000 New Born Cover 1,00,000 1,00,000 1,00,000 1,00,000 1,00,000 1,00,000 2,00,000 2,00,000 2,00,000 Vaccination Exp., 5,000 5,000 5,000 5,000 5,000 5,000 10,000 10,000 10,000 OP Dental/ Ophthalmic treatment (after every block of 3 policy yrs) 5,000 5,000 10,000 10,000 10,000 10,000 15,000 15,000 15,000 Health Check-up benefit (Rs.) (for every claim free year) 2,000 2,500 3,000 4,000 4,500 4,500 5,000 5,000 5,000 Out Patient Consultation (Rs.) (Limit per consultation - Rs.300/-) 1,200 1,500 2,100 2,400 3,000 3,300 5,000 5,000 5,000 Hospital Cash Benefit (Rs.) (7days per admission, 120 days in P.yr) 500 750 750 1,000 1,000 1,500 2,500 2,500 2,500 No Claim Bonus (Up to 100% of the Basic SI) 50% + 50% 100% 100% 100% 100% 100% 100% 100% 100% Automatic Restoration (Up to 100%, Once in every policy year) Can be utilized for illness/ disease for which claim/s was/ were already made during the policy year. Optional Cover Optional Cover Buy back of PED waiting period Will reduce the PED/s waiting period to 12 months from 36 months - This Option is available only for the first purchase of this Star Comprehensive Insurance Policy - In case of floater policy, this reduction is applicable only for the persons who opted for this facility - This Option is not av