STAR FAMILY HEALTH OPTIMA fosiesnce on Family Health Optima from Star Heaithisa health insurance plan that gives protection for the entire ferly on the payment of a single premium under single sum insures. The suminsured floats among the family members insures. s]ust onemore waytotighten the family bonds, +4 ASuperSaverPolicy ‘5 Single Sum insured + ExtraBonefits ‘+ Coverage forentire family ‘+ Single premium ‘+ Considerable saving in premium asthe family Is covered under oneplcy + PolieyBenefits ‘A) Room, Boarding, Nursing Expenses at 2% of the Sum Insured, subject to 2 maximum of Rs5,0C0/- per day in Ciass “A” Cities, 196 ofthe Sum Insured, subject to a maximum of Rs.3,000/- per day in Class "B" Cties and 1% of the Sum Insureé, subject to a maximum of Rs.1,000/-per dayin other locations. 8) Surgeon, Anaesthetist, Medical Practitioner, Consultants & Specialist Fees. ©) Anaesthesia, Blood, Oxygen, Operation Theatre charges, costof Pacemaker etc 0) Costaf medicine anddrugs ©) Emergency ambulance charges for transporting the covered pationt to the hospital upto 3 sum of Rs. 750/- por hospitalization and overallimitofs,1500/-perpoicy perio. + Bonus ‘You will be entitled to benefit of bonus over and above the ‘basicsum Insured in terms of table here uncer, In respect of acai freeyear, of insurance. 100000/- 10% | 5% 15% zomo | 108 [se | 100000/- 25% | 10% 35% 4ovo0g/- | 25% | 10% | 35% 500000/- 25% | 10% 35% 1000000/- | 25% 10% 35% 3500000/- | 259% 10% 35% Bonus is calculated on the basic sum insured and will be lost if policy s not renewed within15 days grace period allowed. ‘The bonus willbereduced by $0% in the event of aclaim.Ithorois ‘adlaimin the successive year also, thebenus willbecemez2r0. The basicsuminsuredshallhowever noc be reduced ‘Automatic Restoration of Sum Insured The basic sum insured wil be eutomaticallyrestored oncethe limit of coverage is exhausted during the policy period subjecttolimits iver below. Ts Pen) ceed ‘Upto 200000/- Ni 300000/- and above 00% Note: The restored sum insured can be utilized for ary illness / disease Lneelatedtoillness/ disease for whichelaim(s) was/wore made, Pre Existing Disease Pre existing diseases ore covered after 48 morths of continuous Insurancewithany Indian Insurance Company. Pre& Post Hospitalisation Pre-hospltalzation medical expenses incurred upto 30 days prior tothe date of admission aepayadle Pestthospitaliztion - 2 lumpsum calculated at 7% of the hespitalization expenses (excluding room charges) subject to = ‘maximumotRs5,000/-ispayabe. Minimum period hospitalization is 24 hours. This time limit is waived where the treatment is taken for sperified day care treatments. * Day CareTreatment: 101 daycaretreatments areallowed. % Limits forcataract surgery Upto Rs. 2 Lakh of sum insured, the limit wil be Rs. 12,000/- for policy period. ‘Above Rs.2 Lakh upto Rs. 5 Lakh of sum insured, the limit willbe Rs,20,000/-for one eye andRs. 30,000/-for entire policy period. ‘Above Rs. 5 Lath of sum insured, the limit will be Rs. 30,000/-for ‘one eye ands. 40,000/-forentire polcy period. Policy Premium (Service Tax Extra) ‘Age of the oldest family member covered should be taken for premium caleviation.Family Health Optima Premium Table Suminsured Rs 1 lakh ZONE MUMBAI/DELHI/GUIARAT ‘ZONE 2 REST OF INDIA parry ere) oe Pie aka N NA [lewte [Na [NA DONA [NANA [NA 2Asi€ NA NA[ NAT] NAT NA] | NA | NA | NA NA I DONA ONAT [LNA [na [iaeic | 3250 | 3875) NA | NA | NA | NA 1AelC 3250 -3700=SNA| =ONA | ONA | ONA [arzc [450 [4700 NAT) NA”) NA) WA asic) 3050 400 -NA | NA) NA | NA [asc > NA | NA | NA | NA | NA | NA 1a3c NA) ONA | NA | NA | NA | NA Sum Insured Rs 2 lakhs a ee Earco ee |S [2m 3950 | 4675 | 7870 | 8145 | 5400 | NA 2A 38504465. 75137775 S15 | NA [amc 4sa0 | 5170.) 8500 | sess | 9635 | NA 2A a255 4935/8190 | 455 9395 | NA [aarac | sit | 6875 | 9925.) 9800 | 1080 na 2av2c 5480 65658995 | 9260 | 9870 ravac | 6510. | 7975 | 10625 | 11200 11840 |_WA 2av3c_ 6300.) 715 | 984s | 10110 | 10720 | [arse | 3500 | 3950 | 5800/6225 | 7225 |_NA tavic 3500 38755300 | 6000 | 7005 [awae [asta | 4008 | 7an0 | 7575 | 200 | NA 1aeeai00 48307230) 7aN0 | 8200 | [avs sa00 | 960) e975 | 9735 | 11000)_na Asse s200 5410 | #30 | #790 | 9030 | Sum Insured Rs 3 lakhs Fan | 4300 | 3820. | 951s | 3790 | 2207s | 20500 2A a00 5170 9085 | 9345 | 12090 (18730 aaeie | $400 | $900 | 11070 | 11350 | 12440 | uA 2asi€ | S300. 5555. | 10565 | i08a0 | 19530) NA [anac se7s [aes tuo | 2155 | 4030 Wa 2asi 675 11340 | 11605 | 13390 | NA 2weaC__| 7975 | #195 | 12990 | 13255 | 45120 NA =2Ae3C_7465°| 7675 | 42240 12605 | 14200 | NA [iaac | 3875 | 4275 | 7010 | 7335 | 8995 | NA IAHIC 38754275 | 7010 | 7335 | 8685 | NA [imac | aeio | $365 | 7080 | #010 | ooes | WA ausac_ 48105100) 7810 | 8770 | 9510 |_NA\ [wesc | 5940 | 6005 | 9725 | 10100 | 11445 NA 1A 567056709555 | 9800 | 11225 | NAFamily Health Optima Premium Table SumInsured Rs 4 lakhs zoWe1 MUMBAI/DELHI/GWIARAT ZONE2 REST OF INDIA peg era ee) per Foie te | s300 | 6510 | 12000 | 13200 | 16000 | 28500 2a 5300 6350 12000 13000 | 15500 23200 | [esas | 7730 | 43800" | 24525 | 20075 | na zie 6s10 7275 | 13200 | 2e250"| 3725s | wa | [3300 | 8915 | 15270 | 16100 | 18835 | NA 2ae2e 7920852514865 15185 | 17980 NA 9500 | 9735 | 16570 | 16890 | 20035) NA 2Av3C | 8620 | 9425 15565, [4640 | 5165 | 8570 | 9090 | 10135) NA AIC 4640 500583758685 | 9855 | NA [sees | e235 | ses | ai120 | 12665] NA TAv2C | SEO) 6000 | 9345 | t087s | 32440 | NA | [7385 | 7590 | 11960 | 12985 | 14420, NA 1M3C—-7050~=«7245-~—=«11730«12650 | 14100 | NA SumInsured Rs 5 lakhs cs bal cE nu | ¢885.| 000. | 14970 | 15300 | 20030 | 30818 2A 68857640 «14290 18809 19149 | 25750 Davie | woso | 6125 | 1600 | 16400 | 21180 | zavie 7/0 erie. 15350 15665 | 20225 | NA | 3695 | 10090 | issi0 | 16840 | 22075 | Na Bae 9210 | 9635 | 15760 | 16075 | 21070 | NA marae | 10855 | 11380 | 17810 23375 | NA 2as3C | 40010. 30895 16760 17075 | 72070 | NA wasic | 6510 | 7225 | 9955 | 12100 | 14885 | Na asic 65107225 9565 | 11850 | 14500 | NA Na NA g twae | 77as | s010 | 14240 | 14700 | 16800 there) 7485 | 7660 | vano0 | 1445p 36338 | NA) 1assc | #00 | $000 | asei0 | 15930 | 20360 asc 8860 8630 16855 15215 19650 | NA Sum Insured Rs 10 lakhs 2A | 9110 | 11350 | 20800 | 22100 | 30300 | 40300 2A 900 11009 18730 21000 | 28800 | 38500 reste | 11658 | 13430 | 21a00 | 24800 | 32340 | NA 2asi@ | 1100012875 20860 | 22700 | 30525 | A zarzc | 13485 | 16200 | 23555 | 27900 | 36210 NA 2As2C 12800 15380 22800 26440 | 35080 | NA 2asae | 16405 | 1950 | 26780 | 32655 | 39500 NA 18100) 28050 | 32500 | taeic | 8700 | 9900 | 15330) 17680 | 24000/ NA 9700 15000 16830 | 73000 | NA an2c__| 10775 | 11995 | 17750 | 22875 | 26970 NA 11000 | 16900 | 21000 | 26090 | NA | 1As3C | 13575 | 15010 | 22100 | 26850 | 3000, NA 13855 20100 25660 | 27775 | NAFamily Health Optima Premium Table Sum Insured Rs 15 lakhs 20N€ 1 MUMBAI/DELHI/GUJARAT emg ee er Pee ws | ys | ws | ys | ys | ys ZONE2 RESTOF INDIA 2 1088S 13865 | 25650 31125 39500 50500 2AHIC _|13990 | 15800 | 29910 [37750 |43660 | NA 2Ae2C 17780 | 19700 32100 41780 48205 NA 2Ai3C__|20780_| 7270035100 4478052205) NA AAHIC [10540 | 11995 | 19875 24000 30850 NA 1A2¢ [13450 | 4400 | 21880 29020 32010 | NA AW3C 16770 | 18000 27080 3377037980 NA tis permissible for aperson who isin Zone -2to take veatmentin any areas falling under Zone - 1. In such cases difference in premium between zonesis recoverable, + Cancellation The Company may cance! this polley on grounds of ‘misrepresentation, fraud, non disclosure of material factor non cooperation by the insured person, by sencing the Insured 30 daysnotice by registered letter atthe Insured person'slast known adress. Theinsuredmay at any tine eancelth’s policy and in such ‘event the Company shall allow refund of premium at Compeny/’s short Period rate only (table given below) provided no claim has ‘occurred up tothedateofcancellation De ae ea RLS) Upto onesmorth 1/31d of Annual premium Upto three Months 1/2 of Annual premium Up to sic months 3/4th of Annual premium Exceeding si months Full Annual premium + TaxBenefits Payment by eny mode other than cashfor insurance is eligible for reletunder section 80D ofthe Income TaxAct Health seroening, re acceptance medical screening at the company nominated centersatthe discretion of the compary. + Family 1+ Proposer, spouse, dependent children upto 25 years (those whoare economically dependenton theirparents). a 2Aaie 2c DAC waste TAC 1AV3C 30100 | 12500 |az770_| 14500 16660 | 18300 [35310 | 20050 130000 | 11240 [aaaso 33750 15875 | 16550 24400 [000 19030 | 22875 |pi000 | 28080 25010 | 30080 29895 35500 141200 47810 ‘50450 28830 [z2000 34700 413s NA NA NA NA NA NA 1: Al 6 il, WAN Apeleligibility + Any persons aged between S months and 6Syear, residing in Indie cantate thisinsurance. + Thisage imttisbothfor entry levelas wellasfor therenewal Renewal + The policy will be renewed except on grounds of misrepresentation | fraud commited. A grace period of 15 sdiys from the date of expiry of the policy is available for renewal. If renewal Is made within this 15 days period the Continuity of benefits will be allowed. However the actual period of cover wil start only from the date of payment of premium. In cther words no protection it available between the policy expiry date and the date of payment of premium forrenewal. + Exclusions All expenses incutred in connection with treatment of any sease/liness / concition which is pre-elstng atthe time of takingfrst poicy with ary Indian insurer 1+ Treatment of any disease contracted by the insured person. luring the fist 30 days from the commencement date of the first policy. 1+ Bxpenses incurred on teatment of Cataract, Hysterectomy, for Menorthagis or Fibromyoma, treatment for Knee and/or Joint (other than caused by an accident) Prolapse of Intervertibral discother tran caused by accident), Varicose veins and Varicose ulcers during the first two years of cortinucusoperationofinsurancecover + Expenses incurred on treatment of Benign Prostate Hypertrophy, Hernia, Hydrocele, Congenital Internal isease/defec, Fistuia / Fissure in anus, Pes, Sirustis and, related disorders, treatment for gallstones and renal stone uring the irstyearofoperationofthe Insurance cover + Warandnuclearperils. + Treatment byanyststem of medicineother thar allopathic. + Naturopathy treatment. + Expenses whichare purely dlagrosticinnature with no positive existence ofany disease + Circumcision unless necessary for treatment of a disease not ‘cluded hereunder or as may be necessitated due to an accident, vaccination (except for post bite treatmert), Inoculation or change of life or cosmetic or aesthetic treatment, plastic surgery other than as may be necessitated duetoanaccident oras.a partofary illness + Expenses incurred for treatment of congenital diseases / efects/anomates. 1 Cost of spectacles, hearing aids , walkers, crutches and similar aids + Dental:reatments unlessfolowing ccidentalinjuries. + 20% of each and every eligible claim amount for insured persons batween6 tyears-65 years atentrylevel, ‘Note:For detailed ist of exclusions plesserefer policy conditions s 5 & a [e) ia = rr ® ea = i= GI ig+ Claims Procedure + Gall the 2 hour helpsline for assistance - 1800 425 2255. Inform the|D / Policy numibe: fer easy reference 1+ In case of planned hospitalization, inform 24 hours prior to admission in thehospital + In case of emergency hospitalization, information to be given within 24 hoursof hospitalization + Cashless facility can be availed in all networle hospitals wherever possible + In non-networt hospitals payment, must be made up- front and then reimbursement will be effected on submissionof documents The Company Star Health and Allied Insurance Co. Ltd, is 2 joint venture between Oman insurance Company (UAE), leading NRls and Indian business houses. It has a capital base of INR 438 crores that for exceeds the requirement to form a fullfledged general insurance compary. As an exclusive Health Insurance Company ard the first of its kind in India, te Company Is committed to setting internationalbenchmarksin service and personal caring Star Advantages + No Third Party Administrator, direct in-house claims settlement. 4+ Faster &hassle-freeclaim settlement, «+ Cashless hospitalization wherever possible 1+ Network of merethan4500 hospitalsacrossindia + Freeexoert medicaladvise over phone + 24x7 TollFreeHelpine Buy this insurance online at wow.starhealth in Call tollree: 120-425-2258 or 044-2826 3300 Fax toll ree: 160-425-5522 sms STAR t0 56577 or E-mail: info@starneatth.in L STAR | Wo. New Tanke Vaart Mie Rose, Single protection, wider coverage for entire family eens