COC BCC aia ANie lamella and Allied Insurance Co. Ltd. TO eu Wea aL) Shield Yourself Against the Invisible Threat Health Insurance Personal & Caring The Health Insurance Specialist ‘STAR HEALTH AND ALLIED INSURANCE CO LTD REGD & CORPORATE OFFICE: 1, New Tank Street, Valluvar Kottam High Road, Nungambakkam, Chennai - 600 034, Corona Kavach Policy, Star Health and Allied Insurance Co. Ltd. Cea oat iedlesa ties) Theimpactof COVID 19 not only does shatter the heath ofinaividualsbutthetreatmentcost ata medical faclitywil drain the savingstoo, inorder tohelp peoplete overcome te financial diffculties while they are recovering from the COVID 19, STAR Health offers Corona Kavach Policy. An indemnity policy that coversthe hospitalizationexpensesup othe suminsuredarising rom COVIO-9treatmentprocedures. + Eligibility © Adults:18 yrsto65yrs ‘© Dependent Children: day to25 yrs + Policy Type: Indvidual/ Floater + Sum insured Options: Rs.50,000)-;Rs.1,00,000/-;Rs.1,50, 000; Rs 2,00,000%-; Rs.2,50,000! Rs.3,00,000)-;Rs.3,50,000/-;Rs4,00,000!-; Rs. 4,60, 000s. 5,00,000/- + Policy Terms: 3% months (105 Days); 6% months (195 Days); 97% months (285 Days) (Noannual policy term) + Preacceptance medical screening: Nopre-acceplance medical screening, + Waiting Period: An intial waling period of 15 days is applicable from the date of commencement ofthis policy + Family means Self, Legally Wedded Spouse, Parent's and Parent's.n-law, Dependent Children (Upto 25 years of age). ithe childs above 18 years of age fnancilly independent, helshe shall note eligible under family coverage + Coverage: In the event of the Insured Person is diagnosed postive of COVID in a goverment auhorzed centre, the coverage willbeas folows = Base Cover: 1, Hospitalization Cover: Hospitalization Expenses incurred on teatmentof COVID-19 {including the treatment for Co-morbid conditions) comprising of Room, Boarding, Nursing Expenses, Consultant, Specialist Fes, Anesthesia, biood, oxygen, PPE Kit loves, mask and such similar other exoenses, 2, Road Ambulance subjecttoamaximum of s.2000/-per hospitalisation, Home Care Treatment Expenses: Upto 14 days subjectto the following 2) The Medical practitioner advices the Insured person to undergo treatment athome. 8) Thereisa continuous active ne of teatment with monitoring ofthe healt status by ‘amedicalpracttoner for each day through the duraton ofthe home care treatment ©) Dally monitoring chart including records of treatment administered duly signed bythe treating doctoris maintained. d) Insured shall be permitted to avail the services as prescribed by the medical pracitioner. Cashless or reimbursement acity shallbe offered under homecare expenses sub ectto claim settlement policy disclosedin tne website ) Incase the insured intends to avail the services of non-network provider claim shall be subject to reimbursement, a prior approval from the Insurer needs to be taken before avalling such services, Benefit covered under this: a. Diagnostctests undergone athome oratdiagnostics centre b. Medicines prescribed in writing ©. Consultation charges ofthe medical practitioner. Nursing charges relatedo medical stat ‘2. Medical procedures limited to parenteral administration of medicines f. CostofPulse oximeter, Oxygen cylinder and Nebulizer 4, AYUSH Treatment: AYUSH treatment expenses incurred as aninpatientfor treatment ‘of COVID including the treatment for Co-morbid conditions upto the limit of sum insured in any AYUSH hospital 5, Pre Hospitalization: Medica expenses incured upto 15 days prior the dae of admission 8. Post Hospitalization: Medical expenses incurred up to a period of 30 days after discharge trom the hospital + Optional cover ‘© Hospital Daly Cash: The Company will pay cash benefit of 0.5% of sum insured for each completed day of continuous hospitalztion subject toa maximum of 15 days per policy period + Exclusions: The Company shall ntbe lable to make any payment under the policy in respect of any expensesincurredin connection wit orinrespectot: 41. _ Investigation & Evaluation: Expenses related to any admission primary for diagnostics and evaluation purposes. Any diagnostic expenses which are natelatedornotincidentlto the curent dlagnostsand treatment 2. Rest Cure, rehabilitation and respite care: Expenses related to any admission primarily forenforced bed rest and ot for recelvig treatment, Tis aso includes: i. Custodial care either t home orin a nursing faciity for personal care such as help with activities of daily ving such as bathing, dressing, moving around either by skiled nurses orassistantornon-skiled persons. ii Any services for people who are terminally il to address physical, social, emotional andspitua needs. 3. Dietary supplements and substances that can be purchased without prescription, including butnot limited to Vitamins, minerals and organic substances unis presorbed by ametical practioner as par of hospitalization claim or Home care treatment. 4, Unproven Treatments: Expenses eatedto any unproven treatment, services and supplios fororin connection with any treatment. Unproven treatments are treatments, procedures or supplies thalack significant medical documentation to support their efecveness. However, ‘reatmentauthorizedby the governmentforthe treatment COVID shall be covered ‘Any claim in relation to COVID where ithas been diagnosed prior to Policy Start Date ‘Any expenses incurredon Day Caretreatmentand OPD treatment Diagnosis Treatment outside the geographical iit of ndia Testing done a a Diagnostic centre which is not authorized by the Goverment shall not be recognizedunderthisPolcy 9. All covers under this Policy shall ogase if the insured Person travels to any county plaoed under ‘rave restriction by the Govemmentof nda, Cancellation: The Company may cancel the Policy at any ime on grounds of misrepresentation, non-disclosure of material facs, fraud by the Insured Person, by ving 7 days' writen notice There would be no refund of premium on cancelation on grounds of misrepresentation, non disclosure ofmaterial fects orfraud ‘Automatic Expiry: The coverage forthe Insured Person(s) shall automaticaly terminate: Inthe case of demise ofthe insured person, However, the cover shall continue forthe remaining Insured Persons il the end of Polcy Period. All relevant particulars in respec of such person (including hisiher relationship wih the insured person) must be submited to the company along wit the application, Provided no ciaimhas been made, anc termination takes place on account of death of the insured person, pro-rata refund of premium of the deceased insured person for the belance petiod ofthe policy wil beefecve +e et Disclosure to Information Norms: The Policy shall be void and all premium paid thereon shall be forfeited to the Company in the event of mistepresentation, mis-descrotion or non- disclosure of any material fac by the policyholder. Endorsements (Changes InPolicy) iL Thispolicy constitutes the complete contractofinsurance. This Policy cannot be modified by anyone (including an insurance agent or broker) except the company. Any change made by he company shallbe evidencedby a written endorsementsignedand stamped i Thapocyhoker maybe chang ung he Poly prod ony in caseofhihar demise ‘or him or her moving out of india. The new policy holder must be legal het! immediate family member. Such change would be subject to acceptance by the Company and aymentof premium (fan). Renewals: Notapplicable Migration and Portability: Not applicable Free Look Period: Notapplcable Claims Procedure + Calthe24hourhelpine forassistance- 1800 425 2255/1800 1024477 ‘= _Informthe ID numberforeasy reference * Onadiission inthe hospital, produce the ID Cardissuedby the Company athe Hospital helpdesk © Obizin the Pre-authorization From the Hospital help desk, complete the patient information and resubmitto the Hospital help desk Incase ofplanned hospitalization, inform 24 hours porto admissionin the hospital = Incase of emergency hospitalization information to be given within 24 hours after hospitalization. ‘= _nnon-network hospitals payment must be made up-front and then reimbursement will be effected on submission ofdocuments ‘Tax Benefits: Payments of premium by any mode other than cash fr this insurances eligible for eliefunder Section 800 ofthe Income TaxAct 1961, Discount for Health Care Workers: 5% ciscount on premium. The discount willbe given only for the insured person who isa heath care worker even under floater policy (Health care worker means doctors, nurses, midwives, dental practitioners and other health professionals including laboratory assslants, pharmacists, physiotherapsis, technicians and people working in hospitals.) ‘The Company: Star Health and lid insurance Co.Ltd, is operations in 2006 as India's fst Standalone Health Insurance provider. As an exclusive Health Insurer, the Company is ‘commenced providing sterling services in Health, Personal Accident & Overseas Travel Insurance andis committed to setinginteratioal benchmarksin service and personal caring, Star Advantages + NoThird Party Administrator, directin-house claims settlement, ‘© Fasterand hassle-free claim settlement * Cashiessfacity wherever possible innetwork hospital, Prohibition of Rebates: (Section 41 of Insurance Act 1938): No person shall alow or ofr to allow, ether directly or indirect, as an inducement to ary person to take outor renew or continue {an insurance in respect of any kind of rik relating olives or propery in India, any rebate of the \Whole or pat of the commission payable or any rebate ofthe premium shown onthe policy, nor shall any person taking out or renewing or continuing a policy accept any rebate, except such rebate as may be allowed in accordance with the pubshed prospectuses ortables of he nsurer: ‘Any person making defaul in complying withthe provisions of ths section shal be lable for a penalty which may extend fo ten lakh rupees.lustration Premium tr Premium Chart for Base Cover in Rs. (Excluding GST) > vel a3 2) 2 |2 ec 3% Months: Fa aca is Insured in a ie Pe area Bc 8 a 50000 | 350 | 420 | 546 | 420 | 504] 655 | 473 | 567 | 737 EI alelelek | [ioo.00 [525 | 6x0 [ata | 630 | 756 | 983 | 709 | 051 | 1,106 Bi 2 2] [Frso.000 [683 | e19 | 4065 | a1 | 98a | 27a | aan | 4,106 | 1437 = 3 5 200,000 | 619 | 983 | 1276 | 98s | 1.170 | 1.533 | 4,108 | 1.927 | 1.725 A Ei. 3 | 250,000 | 942 | 4.130 | 1469 | 1.130 | 1,356 | 1,763 | 1.271 | 1.526 | 1.984 g}a/a]a 2 Hglelss{S] [Sovoon noes [zee [nate [ae [ste [0s [ae [me [2 = SlRR/S15 350,000 | 7,160 | 1.392 | 1.810 | 1392 | 171 | 2.172 | 1.566 | 1,880 | 2.444 2 = 3 4,00,000 | 1,253 | 1,504 | 1,955 | 1,504 | 1,805 | 2,346 | 1,692 | 2,030 | 2,639 £ = 450,000 | 1341 [ 1.609 | 2092 | 1609 | 1,931 | 2510 | 1,810 | 2,172 | 2824 elels |3 iB 5,00,000 | 7.408 | 1.690 | 2.106 | 1690 | 2027 | 2636 | 1.901 | 2.281 | 2.965 gp e yey = le 3 3 =| 8 i = ee) 2 | & A co CY : 00,000 [54 [65 [4 | 65 | 78 | tor] 3 | o | 1 3 = 5 150000] 61 | 7 | 126 | 97 | 16 | 151 | 109 | tot | 170 ry coer | 2 |e] e My z 2,00,000 | 108 | 129 | 168 | 129 | 155 | 202 | 145 | 174 | 227 lo ed EH 750,000 | 136 | 162 | 210 | 162 | 194 | 252 | 102 | 216 | 284 a _ . 300,000 | 162 | 194 | 252 | 194 | 233 | 302 | 218 | 262 | 340 ee 3 350,000 | 188 | 226 | 204 | 226 | 271 | 353 | 254 | 905 | 307 Peeteys) 2 \e) es =| | Aooooo [26 [258 | 336 | 2568 [ato | aos [201 | 349 | 54 tes 's 450,000 | 242 | 291 | 378 | 201 | sa | asa | 327 | 303 | 510 Es ll | 3/2) § [Boon [zee [aes [azo [az [aes [aoe [aes [aa [sor Bw: 2) 3|2) 3/218 ——sEe_e 4 zs B) 2) £/£/2\5| 3 vow ons oFriams 00 nor FH em | e |e| BE] El e/g] invowe nacrwmesuxe sae oF Ey By R |e] 2 3] Ele) £/ 5/3) 3 Any kino oF insurance on i 3 B) =| S$ / 2/8) = cacaloncnue shen wat é cs | Z/=)§) 2) 5 premiuus. iRDAI Does not 3 ‘ ° 4/5) 2 announce any sowus, pus.ic a 5 HE] Recenme svcn PHONE CALLS ARE Ed Bifea | sia s a) 2 Ruane olaiee ues Ie: S| e ) 8) % 2) cubweNcalano Nowsess | \ TS H - = 2 Theinomaon proved ints ssa Oe wostrain E 2 le.,/23/2.5 Srochure seni incest, For more Cal Toe: 1800425285 / 10002477 3 53/5 84/55/562 go eek le oe US STAR 57 | Fax Tol Fre No: 1200425822 Sees sesle3 & hetero Emait: support@starheathin B |£2|e2/2°2 5 ores toons sa cn UssoNznscosse E = 2B vistourwebste wn starteathin FRO Rag, Ne: 128 BRO/CKP/V.1/2020