95.00 mm
50 mm
Cancellation table applicable for Policy Term Year with instalment option of
alf yearly premium payment frequency
Period on risk
Up to one month
Exceeding one month up to 4 months
Exceeding 4 months up to 6 months
Exceeding 6 months up to 7 months
Exceeding 7 months up to 10 months
Exceeding 10 months
Cancellation table applicable for Policy Term Year with instalment option of
Quarterly premium payment frequency
Period on risk
Up to one month
Exceeding one month up to 3 months
Exceeding 3 months up to 4 months
Exceeding 4 months up to 6 months
Exceeding 6 months up to 7 months
Exceeding 7 months up to 9 months
Exceeding 9 months up to 10 months
Exceeding 10 months
Cancellation table applicable for Policy Term
2 Years without instalment option
210.00 mm
Period on risk
Up to one month
Exceeding one month up to 3 months
Exceeding 3 months up to 6 months
Exceeding 6 months up to 9 months
Exceeding 9 months up to 12 months
Exceeding 12 months up to 15 months
Exceeding 15 months up to 18 months
Exceeding 18 months up to 21 months
Exceeding 21 months
Cancellation table applicable for Policy Term 2 Years with instalment option of
alf yearly premium payment frequency
Period on risk
Up to one month
Exceeding one month up to 4 months
Exceeding 4 months up to 6 months
Exceeding 6 months up to 7 months
Exceeding 7 months up to 10 months
Exceeding 10 months up to 12 months
Exceeding 12 months up to 15 months
Exceeding 15 months up to 18 months
Exceeding 18 months up to 21 months
Exceeding 21 months
95.00 mm 95.00 mm 95.00 mm 102.50 mm 102.
CY
Cancellation table applicable for Policy Term 2 Years with instalment option of Cancellation table applicable for Policy Term Years with instalment option of Premium Chart for ne Year in Rs cludin Ta
Quarterly premium payment frequency Quarterly premium payment frequency um nsured Rs Rs
Rate of premium to be retained Period on risk Rate of premium to be retained Period on risk Rate of premium to be retained Plan e and in Yrs il er Plan old Plan il er Plan old Plan
45% of the total premium received Up to one month 87.5% of the total premium received Up to one month 87.5% of the total premium received 10 60 rs 14 095 18 790 16 110 21 475
87.5% of the total premium received Exceeding one month up to 3 months 100% of the total premium received Exceeding one month up to 3 months 100% of the total premium received 61 65 rs 16 210 21 610 18 525 24 695
P
Exceeding 3 months up to 4 months 87.5% of the total premium received Exceeding 3 months up to 4 months 87.5% of the total premium received or Renewals only
100% of the total premium received
Exceeding 4 months up to 6 months 100% of the total premium received Exceeding 4 months up to 6 months 100% of the total premium received 66 70 rs 18 640 24 850 21 300 28 400
65% of the total premium received
Exceeding 6 months up to 7 months 85% of the total premium received 71 80 rs 20 505 27 335 23 430 31 240
Exceeding 6 months up to 7 months 85% of the total premium received
C
85% of the total premium received ove 80 rs 22 555 30 070 25 775 34 365
Exceeding 7 months up to 9 months 100% of the total premium received Exceeding 7 months up to 9 months 100% of the total premium received
100% of the total premium received Exceeding 9 months up to 10 months 85% of the total premium received Premium Chart for Two Years in Rs cludin Ta
Exceeding 9 months up to 10 months 85% of the total premium received
Exceeding 10 months up to 12 months 100% of the total premium received um nsured Rs Rs
Exceeding 10 months up to 12 months 100% of the total premium received
Plan e and in Yrs il er Plan old Plan il er Plan old Plan
R
Exceeding 12 months up to 13 months 97.5% of the total premium received Exceeding 12 months up to 13 months 97.5% of the total premium received
Rate of premium to be retained 10 59 rs 27 203 36 265 31 092 41 447
Exceeding 13 months up to 15 months 100% of the total premium received Exceeding 13 months up to 15 months 100% of the total premium received
87.5% of the total premium received 60 rs 29 244 38 986 33 423 44 554
Exceeding 15 months up to 16 months 95% of the total premium received Exceeding 15 months up to 16 months 95% of the total premium received 61 64 rs 31 285 41 707 35 753 47 661
100% of the total premium received Exceeding 16 months up to 18 months 100% of the total premium received Exceeding 16 months up to 18 months 100% of the total premium received 65 rs 33 630 44 834 38 431 51 237
87.5% of the total premium received Exceeding 18 months up to 19 months 95% of the total premium received Exceeding 18 months up to 19 months 95% of the total premium received or Renewals only
100% of the total premium received Exceeding 19 months up to 21 months 100% of the total premium received Exceeding 19 months up to 21 months 100% of the total premium received 66 69 rs 35 975 47 961 41 109 54 812
Exceeding 21 months up to 22 months 92.5% of the total premium received Exceeding 21 months up to 22 months 92.5% of the total premium received 70 rs 37 775 50 359 43 164 57 553
C C R
85% of the total premium received
Exceeding 22 months 100% of the total premium received Exceeding 22 months up to 24 months 100% of the total premium received 71 79 rs 39 575 52 757 45 220 60 293
100% of the total premium received
Cancellation table applicable for Policy Term Exceeding 24 months up to 25 months 97.5% of the total premium received 80 rs 41 553 55 396 47 483 63 309
85% of the total premium received Years without instalment option ove 80 rs 43 531 58 035 49 746 66 324
Exceeding 25 months up to 27 months 100% of the total premium received
100% of the total premium received Period on risk Rate of premium to be retained Premium Chart for Three Years in Rs cludin Ta
Exceeding 27 months up to 28 months 97.5% of the total premium received
Up to one month 17.5% of the polic premium um nsured Rs Rs
Exceeding 28 months up to 30 months 100% of the total premium received
Exceeding one month up to 3 months 22.5% of the polic premium Plan e and in Yrs il er Plan old Plan il er Plan old Plan
Exceeding 30 months up to 31 months 95% of the total premium received
Rate of premium to be retained Exceeding 3 months up to 6 months 30% of the polic premium 10 58 rs 39 536 52 706 45 189 60 237
Exceeding 31 months up to 33 months 100% of the total premium received
Exceeding 6 months up to 9 months 37.5% of the polic premium 59 rs 41 514 55 343 47 447 63 248
17.5% of the polic premium
T R C R
Exceeding 33 months up to 34 months 95% of the total premium received 60 rs 43 492 57 979 49 705 66 259
Exceeding 9 months up to 12 months 42.5% of the polic premium
25% of the polic premium Exceeding 34 months 100% of the total premium received 61 63 rs 45 469 60 616 51 963 69 269
Exceeding 12 months up to 15 months 50% of the polic premium
37.5% of the polic premium ot ithstanding an thing contained herein or other ise no refunds of premium shall e 64 rs 47 741 63 645 54 557 72 734
Exceeding 15 months up to 18 months 57.5% of the polic premium made in respect of ancellation here an claim has een admitted or has een lodged or 65 rs 50 013 66 675 57 152 76 198
47.5% of the polic premium Exceeding 18 months up to 21 months 65% of the polic premium an enefit has een availed the insured person under the polic . or Renewals only
Exceeding 21 months up to 24 months 72.5% of the polic premium ii. he ompan ma cancel the polic at an time on grounds of misrepresentation 66 68 rs 52 285 69 704 59 747 79 662
57.5% of the polic premium non disclosure of material facts fraud the insured person giving 15 da s ritten
Exceeding 24 months up to 27 months 80% of the polic premium notice. here ould e no refund of premium on cancellation on grounds of 69 rs 54 029 72 028 61 738 82 317
67.5% of the polic premium
Exceeding 27 months up to 30 months 85% of the polic premium misrepresentation non disclosure of material facts or fraud 70 rs 55 773 74 351 63 730 84 973
80% of the polic premium Exceeding 30 months up to 33 months 92.5% of the polic premium Ø utomatic piry of the policy he insurance under this polic ith respect to each 71 78 rs 57 517 76 675 65 721 87 628
relevant insured person shall expire immediatel upon death of the insured person or on 79 rs 59 433 79 232 67 914 90 550
90% of the polic premium Exceeding 33 months ull of the polic premium
expir of the sum insured hichever shall first occur. 80 rs 61 350 81 789 70 106 93 472
ull of the polic premium Cancellation table applicable for Policy Term Years with instalment option of
Ø isclosure to information norms he polic shall ecome void and all premium paid ove 80 rs 63 267 84 346 72 299 96 394
alf yearly premium payment frequency
thereon shall e forfeited to the ompan in the event of mis representation mis description
Period on risk
Up to one month
Rate of premium to be retained
45% of the total premium received
or non disclosure of an material fact the polic holder. Ø Ta enefits a ment of premium an mode other than cash for this insurance is eligi le
for relief under ection 80 of the ncome ax ct 1961. tar Cardiac Care nsurance Policy
Rate of premium to be retained Ø The Company tar ealth and llied nsurance o. td. commenced its operations in nique P22 2 2 22
Exceeding one month up to 4 months 87.5% of the total premium received 2006 as ndia s first tandalone ealth nsurance provider. s an exclusive ealth nsurer Ø Prohibition of rebates ection 41 of nsurance ct 1938 o person shall allo or offer to
45% of the total premium received the ompan is providing sterling services in ealth ersonal ccident verseas ravel allo either directl or indirectl as an inducement to an person to ta e out or rene or
Exceeding 4 months up to 6 months 100% of the total premium received continue an insurance in respect of an ind of ris relating to lives or propert in ndia an
nsurance and is committed to setting international enchmar s in service and personal
87.5% of the total premium received Exceeding 6 months up to 7 months 65% of the total premium received caring. re ate of the hole or part of the commission pa a le or an re ate of the premium sho n
nsurance is the su ect matter of solicitation
Exceeding 7 months up to 10 months 85% of the total premium received on the polic nor shall an person ta ing out or rene ing or continuing a polic accept an
100% of the total premium received Ø tar d anta es re ate except such re ate as ma e allo ed in accordance ith the pu lished
Exceeding 10 months up to 12 months 100% of the total premium received  o hird art dministrator direct in house claims settlement prospectuses or ta les of the insurer. n person ma ing default in compl ing ith the
65% of the total premium received
Exceeding 12 months up to 15 months 90% of the total premium received  aster and hassle free claim settlement provisions of this section shall e lia le for a penalt hich ma extend to ten la hs rupees.
85% of the total premium received  ashless hospitali ation
Exceeding 15 months up to 18 months 100% of the total premium received The information provided in this brochure is only indicative.
100% of the total premium received Ø Claims Procedure For more details on the risk factors, terms and conditions,
Exceeding 18 months up to 21 months 90% of the total premium received

2 2
all the 24 hour help line for assistance 1800 425 2255 1800 102 4477 please read the policy wordings before concluding a sale.
90% of the total premium received Exceeding 21 months up to 24 months 100% of the total premium received  n case of planned hospitali ation inform 24 hours prior to admission in the hospital Or
Exceeding 24 months up to 27 months 95% of the total premium received  n case of emergenc hospitali ation information to e given ithin 24 hours after Visit Website: www.starhealth.in Buy this Insurance Online at www.starhealth.in STAR HEALTH AND ALLIED INSURANCE CO LTD
100% of the total premium received Call Toll-free: 1800-425-2255 / 1800-102-4477,
Exceeding 27 months up to 30 months 100% of the total premium received hospitali ation REGD & CORPORATE OFFICE: 1, New Tank Street,
C R
90% of the total premium received  ashless facilit herever possi le in net or hospital E E E E U E E sms STAR to 56677 « Fax Toll Free No: 1800-425-5522
Exceeding 30 months up to 33 months 92.5% of the total premium received U U E E E U . U E E Valluvar Ko am High Road, Nungambakkam, Chennai 600 034.
 n non net or hospitals pa ment must e made up front and then reim ursement ill Email : support@starhealth.in
100% of the total premium received Exceeding 33 months 100% of the total premium received U E E E UE E E E
R
e effected on su mission of documents CIN : U66010TN2005PLC056649 « IRDAI Regn. No: 129
585.00 mm
 102.50 mm 102.50 mm 95.00 mm 95.00 mm 95.00 mm 95.00 mm

expenses su ect to a maximum of s.5 000 per hospitali ation. or the purpose of . his exclusion shall not ho ever appl if the nsured erson has continuous terility and nfertility Code cl Expenses related to sterilit and infertilit . his nsured erson engaging in ir ravel unless he she flies as a fare pa ing passenger an health insurance product plan offered the compan the insured person ill get the
Star Cardiac Care Insurance Policy calculation of the 7% onl nursing expenses surgeon s consultants fees diagnostic charges coverage for more than t elve months. includes on an aircraft properl licensed to carr passengers. or the purpose of this exclusion accrued continuit enefits in aiting periods as per guidelines on migration.
nique P22 2 2 22 and cost of drugs and medicines ill e ta en . he ithin referred aiting period is made applica le to the enhanced sum a. n t pe of contraception sterili ation ir ravel means eing in or on or oarding an aircraft for the purpose of fl ing therein or etailed uidelines on mi ration kindly refer the link
Ø ay Care Procedures ll da care procedures are covered. insured in the event of granting higher sum insured su se uentl . . ssisted eproduction services including artificial insemination and advanced or alighting there from Code ec cl https .irdai.gov.in cms frm uidelines a out.aspx page age o3987
he trauma of a surger and the financial drain thereafter is est no n to those ho have undergone one.
n esti ation aluation Code cl reproductive technologies such as ccidents that are results of ar and arli e occurrence or invasion acts of foreign
ost surger ou must e certainl feeling etter ut still orried. Ø ublimits for treatment of Cataract Expenses for treatment of ataract are pa a le up to Ø Portability he insured person ill have the option to port the polic to other insurers
. Expenses related to an admission primaril for diagnostics and evaluation c. estational urrogac enemies hostilities civil ar re ellion insurrection civil commotion assuming the
nl tar health the ealth nsurance specialist understands our needs etter and offers a custom made s.20 000 per hospitali ation and s.30 000 for the entire polic period. appl ing to such insurer to port the entire polic along ith all the mem ers of the famil if
solution ust apt to ensure ou eep smiling al a s. purposes onl are excluded. d. eversal of sterili ation proportions of or amounting to an uprising militar or usurped po er sei ure capture an at least 45 da s efore ut not earlier than 60 da s from the polic rene al date as per
Ø Co Payment 10% of each and ever claim made insured person hose age at the time of entr is . n diagnostic expenses hich are not related or not incidental to the current aternity Code cl arrest restraints detainments of all ings princes and people of hatever nation
Ø li ibility guidelines related to porta ilit . lf such person is presentl covered and has een
61 ears and a ove. his co pa is applica le for ection 1 onl . f our age is less than 61 ears diagnosis and treatment are excluded. a. edical treatment expenses tracea le to child irth including complicated condition or ualit hatsoever Code ec cl
 ersons aged et een 10 ears and 65 ears ho have undergone an of the follo ing during first inception of this polic then co pa ment condition shall not e applica le. continuousl covered ithout an lapses under an health insurance polic ith an lndian
Rest Cure rehabilitation and respite care Code cl Expenses related to an deliveries and caesarean sections incurred during hospitali ation except articipation in riots confiscation or nationali ation or re uisition of or destruction of eneral ealth insurer the proposed insured person ill get the accrued continuit enefits
1. ercutaneous ransluminal oronar ngioplast oronar rter pass ectopic pregnanc or damage to propert or under the order of an government or local authorit
Ø Pre acceptance edical creenin here is no re uirement of re acceptance edical admission primaril for enforced ed rest and not for receiving treatment. his also in aiting periods as per guidelines on porta ilit . or details contact
raft ithin 7 ears period prior to proposal or . Expenses to ards miscarriage unless due to an accident and la ful medical
creening. t is enough to su mit previous medical records including details of latest treatment along includes Code ec cl porta ilit starhealth.in or call elephone o 91 044 28288869.
2. trial eptal efect or entricular eptal efect that has een corrected or ith the proposal form. termination of pregnanc during the polic period
1. ustodial care either at home or in a nursing facilit for personal care such as n claim resulting or arising from or an conse uential loss directl or indirectl
3. atent uctus rteriosus that has een treated or or etailed uidelines on portability kindly refer the link
Ø clusions help ith activities of dail living such as athing dressing moving around either ircumcision unless necessar for treatment of a disease not excluded under this caused or contri uted to or arising from Code ec cl https .irdai.gov.in cms frm uidelines a out.aspx page age o3987
4. lation or lation done to correct the underl ing cardiac condition or s illed nurses or assistant or non s illed persons polic or necessitated due to an accident reputioplast renuloplast reputial
he ompan shall not e lia le to ma e an pa ments under this polic in respect of an expenses a. oni ing radiation or contamination radioactivit from an nuclear fuel or from
5. ad an ngiogram done ut no intervention as medicall found necessar 2. n services for people ho are terminall ill to address ph sical social ilatation and emoval of E Code cl an nuclear aste from the com ustion of nuclear fuel or from an nuclear aste Ø ithdrawal of the policy
hat so ever incurred the insured person in connection ith or in respect of
Ø Renewal ife long. Pre istin iseases Code cl pplica le for ection 1 for oth plans emotional and spiritual needs 2 ongenital External ondition efects nomalies Code cl 2 from com ustion including an self sustaining process of nuclear fission of i. n the li elihood of this product eing ithdra n in future the ompan ill intimate the
. Expenses related to the treatment of a pre existing isease E and its direct besity ei ht Control Code cl Expenses related to the surgical treatment nuclear fuel insured person a out the same 90 da s prior to expir of the polic
Ø Co era e 2 onvalescence general de ilit run do n condition utritional deficienc states
complications shall e excluded until the expir of 48 months of continuous coverage of o esit that does not fulfill all the elo conditions Code cl 2 . uclear eapons material ii. lnsured erson ill have the option to migrate to similar health insurance product
 ection ospitali ation over for ccidents and on cardiac ailments. after the date of inception of the first polic ith insurer. availa le ith the ompan at the time of rene al ith all the accrued continuit
. urger to e conducted is upon the advice of the octor 22 ntentional self in ur Code cl 22 c. he radioactive toxic explosive or other ha ardous properties of an explosive
 ection 2 ospitali ation over for ardiac ilments. . n case of enhancement of sum insured the exclusion shall appl afresh to the extent of . he surger rocedure conducted should e supported clinical protocols nuclear assem l or nuclear component thereof enefits such as cumulative onus aiver of aiting period as per guidelines
2 enereal isease and exuall ransmitted iseases ther than Code cl 2
 ection over for utpatient medical expenses. sum insured increase. . he mem er has to e 18 ears of age or older and d. uclear chemical and iological terrorism provided the polic has een maintained ithout a rea
ote a ment of an claim under this section shall not e construed as a aiver of ompan s . f the nsured erson is continuousl covered ithout an rea as defined under the 2 n ur disease directl or indirectl caused or arising from or attri uta le to ar invasion
. od ass ndex n claim arising out of sporting activities in so far as the involve the training or Ø nstalment Premium ptions lf the insured person has opted for a ment of remium on an
right to repudiate an claim on grounds of non disclosure of material fact or pre existing porta ilit norms of the extant ealth nsurance egulations then aiting period act of foreign enem arli e operations hether ar e declared or not Code cl 2
1. greater than or e ual to 40 or participation in competitions of professional or semi professional sports persons instalment asis i.e. alf earl or uarterl as mentioned in the polic chedule ertificate of
disease for hospitali ation expenses under hospitali ation provisions of the polic contract. for the same ould e reduced to the extent of prior coverage. 2 n ur or disease directl or indirectl caused or contri uted to nuclear
2. greater than or e ual to 35 in con unction ith an of the follo ing severe Code ec cl nsurance the follo ing onditions shall appl not ithstanding an terms contrar else here
 ection ersonal ccident cover for ccidental eath. . overage under the polic after the expir of 48 months for an pre existing disease is eapons material Code cl 2
co mor idities follo ing failure of less invasive methods of eight loss articipation in a ardous port a ardous ctivities Code ec cl in the polic
su ect to the same eing declared at the time of application and accepted nsurer. 2 Expenses incurred on Enhanced External ounter ulsation herap and related
 odern Treatments Expenses are su ect to the limits. a. esit related cardiom opath
ersons ho are ph sicall challenged unless specificall agreed and endorsed in i. race eriod of 7 da s ould e given to pa the instalment premium due for the polic
2 pecified disease procedure waitin period Code cl 2 pplica le for ection 1 for therapies helation therap per aric x gen herap otational ield uantum
or details please refer website www starhealth in . oronar heart disease the polic Code ec cl ii. uring such grace period coverage ill not e availa le from the due date of
oth plans agnetic esonance herap o level laser therap hotod namic therap
c. evere leep pnea instalment premium till the date of receipt of premium ompan
Ø um nsured ptions s.3 00 000 and s.4 00 000 . . Expenses related to the treatment of the follo ing listed onditions surgeries treatments and such other therapies Code cl 2 n loss arising out of the nsured erson s actual or attempted commission of or
pplica le for ection 1 2 and 3 put together . shall e excluded until the expir of 24 months of continuous coverage after the date of d. Uncontrolled pe2 ia etes iii. he insured person ill get the accrued continuit enefit in respect of the aiting
illful participation in an illegal act or an violation or attempted violation of the la
210.00 mm

inception of the first polic ith us. his exclusion shall not e applica le for claims arising Chan e of ender treatments Code cl Expenses related to an treatment 2 Unconventional Untested Experimental therapies Code cl 2 eriods pecific aiting eriods in the event of pa ment of premium ithin the
ersonal ccident um nsured as per ection 4 shall e e ual to um nsured opted. Code ec cl
due to an accident. including surgical management to change characteristics of the od to those of the 2 hondroc te mplantation rocedures using latelet ich plasma and ntra articular stipulated grace eriod
Ø Plan options old and ilver. in ection therap Code cl 2 2 n claim arising out of an accident related to pregnanc or child irth infirmit
. n case of enhancement of sum insured the exclusion shall appl afresh to the extent of opposite sex. iv. o interest ill e charged lf the instalment premium is not paid on due date
sum insured increase. hether directl or indirectl Code ec cl 2
Ø Policy Term year 2 years years or policies more than one ear the um nsured is for each Cosmetic or plastic ur ery Code cl Expenses for cosmetic or plastic 2 iologicals except hen administered as an in patient hen clinicall indicated and v. ln case of instalment premium due not received ithin the grace period the polic ill
ear ithout an carr over enefit thereof. . f an of the specified disease procedure falls under the aiting period specified for surger or an treatment to change appearance unless for reconstruction follo ing an hospitali ation arranted Code cl 2 Ø oratorium Period fter completion of eight continuous ears under the polic no loo
get cancelled
pre existing diseases then the longer of the t o aiting periods shall appl . ccident urn s or ancer or as part of medicall necessar treatment to remove a ll treatment for riapism and erectile d sfunctions Code cl ac to e applied. his period of eight ears is called as moratorium period. he moratorium
Ø nstalment acility a ailable remium can e paid uarterl and alf earl . remium can also e . he aiting period for listed conditions shall appl even if contracted after the polic or ould e applica le for the sums insured of the first polic and su se uentl completion of vi. ln the event of a claim all su se uent premium instalments shall immediatel ecome
paid nnuall iennial nce in 2 ears and riennial nce in 3 ears . direct and immediate health ris to the insured. or this to e considered a medical noculation or accination except for post ite treatment and for medical treatment for due and pa a le
declared and accepted ithout a specific exclusion. necessit it must e certified the attending edical ractitioner. 8 continuous ears ould e applica le from date of enhancement of sums insured onl on
or instalment mode of pa ment there ill e loading as given elo therapeutic reasons Code cl vii he compan has the right to recover and deduct all the pending installments from the
E. f the nsured erson is continuousl covered ithout an rea as defined under the the enhanced limits. fter the expir of oratorium eriod no health insurance claim shall e
 uarterl 3% a ardous or d enture sports Code cl Expenses related to an treatment 2 ental treatment or surger unless necessitated due to accidental in uries and claim amount due under the polic
applica le norms on porta ilit stipulated then aiting period for the same contesta le except for proven fraud and permanent exclusions specified in the polic
necessitated due to participation as a professional in ha ardous or adventure sports re uiring hospitali ation. ental implants are not pa a le Code cl 2
 alf earl 2% ould e reduced to the extent of prior coverage. contract. he policies ould ho ever e su ect to all limits su limits co pa ments Ø ree ook Period he ree oo eriod shall e applica le on ne individual health
. ist of specific diseases procedures including ut not limited to para umping roc clim ing mountaineering rafting edical and or surgical treatment of leep apnea treatment for endocrine disorders.
Ø Policy enefits deducti les as per the polic contract. insurance policies and not on rene als or at the time of porting migrating the polic .
i. ataract and diseases of the anterior and posterior cham er of the E e iseases motor racing horse racing or scu a diving hand gliding s diving deep sea diving. Code cl
of E iseases related to h roid rolapse of interverte ral disc other than reach of law Code cl Expenses for treatment directl arising from or Ø Renewal and race Period he polic shall ordinaril e rene a le except on grounds of he insured person shall e allo ed free loo period of fifteen da s from date of receipt of
ection old Plan il er Plan ospital registration charges admission charges telephone charges and such other the polic document to revie the terms and conditions of the polic and to return the same if
caused accident aricose veins and aricose ulcers all iseases of rostate conse uent upon an nsured erson committing or attempting to commit a reach of fraud misrepresentation the nsured erson
charges Code cl not accepta le.
pplica le for ccident and pplica le for ccident and tricture Urethra all structive Uropathies all t pes of ernia Epidid mal st la ith criminal intent. 1. he ompan shall endeavor to give notice for rene al. o ever the ompan is not
on cardiac ailments on cardiac ailments enign umours of Epidid mis permatocele aricocele drocele istula ost of spectacles and contact lens hearing aids al ers and crutches heel chairs under o ligation to give an notice for rene al lf the insured has not made an claim during the ree oo eriod the insured shall e entitled to
cluded Pro iders Code cl Expenses incurred to ards treatment in an ochlear implants and procedure related hospitali ation expenses
pplica le for ardiac ilments and pplica le for ardiac ilments and issure in ano emorrhoids ilonidal inus and istula ectal rolapse tress hospital or an edical ractitioner or an other provider specificall excluded 2. ene al shall not e denied on the ground that the insured person had made a claim i. a refund of the premium paid less an expenses incurred the ompan on medical
ncontinence and ongenital nternal disease defect ontinuous m ulator eritoneal ial sis infusion pump and such other similar aids. or claims in the preceding polic ears examination of the insured person and the stamp dut charges or
2 complications. over availa le for oth surgical complications. over availa le onl for the nsurer and disclosed in its e site notified to the polic holders are not
intervention and medical management surgical intervention ii. esmoid tumour of anterior a dominal all all ladder and ancreatic diseases Code cl
admissi le. o ever in case of life threatening situations or follo ing an accident 3. e uest for rene al along ith re uisite premium shall e received the ompan ii. here the ris has alread commenced and the option of return of the polic is
and all treatments conservative interventional laparoscopic and open related to n hospitali ations hich are not edicall ecessar Code cl exercised the insured person a deduction to ards the proportionate ris premium
utpatient e penses in networked utpatient e penses in networked expenses up to the stage of sta ili ation are pa a le ut not the complete claim. efore the end of the polic period
epato pancreato iliar diseases including all ladder and ancreatic calculi. ll ther Excluded Expenses as detailed in the e site www starhealth in Code cl for period of cover or
facility s.500 per event su ect to a facility s.500 per event su ect to a t pes of management for idne calculi and enitourinar tract calculi 2 reatment for lcoholism drug or su stance a use or an addictive condition and 4. t the end of the polic period the polic shall terminate and can e rene ed ithin the
maximum of s.1500 per polic period maximum of s.1500 per polic period conse uences thereof Code cl 2 Existing disease s disclosed the insured and mentioned in the polic schedule race eriod of 30 da s to maintain continuit of enefits ithout rea in polic iii. here onl a part of the insurance coverage has commenced such proportionate
iii. ll treatments conservative interventional laparoscopic and open related to all
Personal ccident eath onl cover Personal ccident eath onl cover iseases of Uterus allopian tu es ervix and varies Uterine leeding elvic ased on insured s consent for specified codes Code cl 5. overage is not availa le during the grace period premium commensurate ith the insurance coverage during such period
reatments received in health h dros nature cure clinics spas or similar
e ual to chosen um nsured e ual to chosen um nsured nflammator iseases enign reast diseases Um ilical sinus Um ilical fistula esta lishments or private eds registered as a nursing home attached to such Expenses incurred for treatment of diseases illness accidental in uries s stems of 6. o loading shall appl on rene als ased on individual claims experience Ø Cancellation he polic holder ma cancel this polic giving 15 da s ritten notice and
aitin period applicable for ection 2 only 90 da s aiting period irrespective of hether it is iv. onservative operative treatment and all t pes of intervention for iseases related esta lishments or here admission is arranged holl or partl for domestic reasons medicine other than allopath Code cl in such an event the ompan shall refund premium for the unexpired polic period as
to endon igament ascia ones and oint ncluding rthroscop and ote clusion nos 2 and are not applicable for ection Ø Possibility of Re ision of Terms of the Policy lncludin the Premium Rates he
pre existing or not Code cl detailed elo
rthroplast other than caused accident ompan ith prior approval of l l ma revise or modif the terms of the polic including
et or ed acilit means hospitals da care centers clinics diagnostic centers that the ompan has ietar supplements and su stances that can e purchased ithout prescription Ø clusions applicable for ection Personal ccident the premium rates. he insured person shall e notified three months efore the changes Cancellation table applicable for Policy Term
mutuall agreed ith to provide medical services. etails availa le in our e site .starhealth.in v. egenerative disc and erte ral diseases including eplacement of ones and
including ut not limited to itamins minerals and organic su stances unless n claim relating to events occurring efore the commencement of the cover or are effected. Year without instalment option
oints and egenerative diseases of the usculo s eletal s stem
prescri ed a medical practitioner as part of hospitali ation claim or da care other ise outside the eriod of nsurance. Code ec cl
ü oom oarding and ursing Expenses all inclusive as provided the ospital ursing vi. u cutaneous enign lumps e aceous c st ermoid c st ucous c st lip chee Ø Re ision in um nsured n revision in sum insured is permissi le onl at the time of Period on risk Rate of premium to be retained
ome su ect to a maximum of s.5 000 per da . penses relatin to the hospitali ation procedure Code cl 2 Code ec cl 2 n claim arising out of ccident of the nsured erson from
arpal tunnel s ndrome rigger finger ipoma eurofi roma i roadenoma rene al. he nsured erson can propose such revision and ma e allo ed su ect to
will be considered in proportion to the eli ible room rent as stated abo e or actual anglion and similar patholog Refracti e rror Code cl Expenses related to the treatment for correction of a. ntentional self in ur suicide or attempted suicide or Up to one month 22.5% of the polic premium
ompan s approval and pa ment of appropriate premium.
whiche er is less vii. n transplant and related surger e e sight due to refractive error less than 7. 5 dioptres . hilst under the influence of intoxicating li uor or drugs or Exceeding one month up to 3 months 37.5% of the polic premium
ü Emergenc am ulance charges upto s.750 per hospitali ation and s.1500 per polic period npro en Treatments Code cl Expenses related to an unproven treatment c. elf endangerment unless in self defense or to save human life Ø i ration he insured person ill have the option to migrate the polic to other health
day waitin period Code cl pplica le for ection 1 for oth plans Exceeding 3 months up to 6 months 57.5% of the polic premium
ü re hospitali ation expenses for a period not exceeding 30 da s prior to the date of hospitali ation . Expenses related to the treatment of an illness ithin 30 da s from the first polic services and supplies for or in connection ith an treatment. Unproven treatments n claim arising out of suicide or attempted suicide self inflicted in uries or sexuall insurance products plans offered the compan appl ing for migration of the olic
atleast 30 da s efore the polic rene al date as per guidelines on igration. lf such Exceeding 6 months up to 9 months 80% of the polic premium
ü ost hospitali ation expenses for a period not exceeding 60 da s after discharge from commencement date shall e excluded except claims arising due to an accident are treatments procedures or supplies that lac significant medical documentation to transmitted conditions anxiet stress depression venereal disease ther than
hospital. he amount pa a le shall not exceed the sum e uivalent to 7% of the hospitali ation provided the same are covered. support their effectiveness Code ec cl person is presentl covered and has een continuousl covered ithout an lapses under Exceeding 9 months ull of the polic premium
2

585.00 mm
 102.50 mm 102.50 mm 95.00 mm 95.00 mm 95.00 mm 95.00 mm

expenses su ect to a maximum of s.5 000 per hospitali ation. or the purpose of . his exclusion shall not ho ever appl if the nsured erson has continuous terility and nfertility Code cl Expenses related to sterilit and infertilit . his nsured erson engaging in ir ravel unless he she flies as a fare pa ing passenger an health insurance product plan offered the compan the insured person ill get the
Star Cardiac Care Insurance Policy calculation of the 7% onl nursing expenses surgeon s consultants fees diagnostic charges coverage for more than t elve months. includes on an aircraft properl licensed to carr passengers. or the purpose of this exclusion accrued continuit enefits in aiting periods as per guidelines on migration.
nique P22 2 2 22 and cost of drugs and medicines ill e ta en . he ithin referred aiting period is made applica le to the enhanced sum a. n t pe of contraception sterili ation ir ravel means eing in or on or oarding an aircraft for the purpose of fl ing therein or etailed uidelines on mi ration kindly refer the link
Ø ay Care Procedures ll da care procedures are covered. insured in the event of granting higher sum insured su se uentl . . ssisted eproduction services including artificial insemination and advanced or alighting there from Code ec cl https .irdai.gov.in cms frm uidelines a out.aspx page age o3987
he trauma of a surger and the financial drain thereafter is est no n to those ho have undergone one.
n esti ation aluation Code cl reproductive technologies such as ccidents that are results of ar and arli e occurrence or invasion acts of foreign
ost surger ou must e certainl feeling etter ut still orried. Ø ublimits for treatment of Cataract Expenses for treatment of ataract are pa a le up to Ø Portability he insured person ill have the option to port the polic to other insurers
. Expenses related to an admission primaril for diagnostics and evaluation c. estational urrogac enemies hostilities civil ar re ellion insurrection civil commotion assuming the
nl tar health the ealth nsurance specialist understands our needs etter and offers a custom made s.20 000 per hospitali ation and s.30 000 for the entire polic period. appl ing to such insurer to port the entire polic along ith all the mem ers of the famil if
solution ust apt to ensure ou eep smiling al a s. purposes onl are excluded. d. eversal of sterili ation proportions of or amounting to an uprising militar or usurped po er sei ure capture an at least 45 da s efore ut not earlier than 60 da s from the polic rene al date as per
Ø Co Payment 10% of each and ever claim made insured person hose age at the time of entr is . n diagnostic expenses hich are not related or not incidental to the current aternity Code cl arrest restraints detainments of all ings princes and people of hatever nation
Ø li ibility guidelines related to porta ilit . lf such person is presentl covered and has een
61 ears and a ove. his co pa is applica le for ection 1 onl . f our age is less than 61 ears diagnosis and treatment are excluded. a. edical treatment expenses tracea le to child irth including complicated condition or ualit hatsoever Code ec cl
 ersons aged et een 10 ears and 65 ears ho have undergone an of the follo ing during first inception of this polic then co pa ment condition shall not e applica le. continuousl covered ithout an lapses under an health insurance polic ith an lndian
Rest Cure rehabilitation and respite care Code cl Expenses related to an deliveries and caesarean sections incurred during hospitali ation except articipation in riots confiscation or nationali ation or re uisition of or destruction of eneral ealth insurer the proposed insured person ill get the accrued continuit enefits
1. ercutaneous ransluminal oronar ngioplast oronar rter pass ectopic pregnanc or damage to propert or under the order of an government or local authorit
Ø Pre acceptance edical creenin here is no re uirement of re acceptance edical admission primaril for enforced ed rest and not for receiving treatment. his also in aiting periods as per guidelines on porta ilit . or details contact
raft ithin 7 ears period prior to proposal or . Expenses to ards miscarriage unless due to an accident and la ful medical
creening. t is enough to su mit previous medical records including details of latest treatment along includes Code ec cl porta ilit starhealth.in or call elephone o 91 044 28288869.
2. trial eptal efect or entricular eptal efect that has een corrected or ith the proposal form. termination of pregnanc during the polic period
1. ustodial care either at home or in a nursing facilit for personal care such as n claim resulting or arising from or an conse uential loss directl or indirectl
3. atent uctus rteriosus that has een treated or or etailed uidelines on portability kindly refer the link
Ø clusions help ith activities of dail living such as athing dressing moving around either ircumcision unless necessar for treatment of a disease not excluded under this caused or contri uted to or arising from Code ec cl https .irdai.gov.in cms frm uidelines a out.aspx page age o3987
4. lation or lation done to correct the underl ing cardiac condition or s illed nurses or assistant or non s illed persons polic or necessitated due to an accident reputioplast renuloplast reputial
he ompan shall not e lia le to ma e an pa ments under this polic in respect of an expenses a. oni ing radiation or contamination radioactivit from an nuclear fuel or from
5. ad an ngiogram done ut no intervention as medicall found necessar 2. n services for people ho are terminall ill to address ph sical social ilatation and emoval of E Code cl an nuclear aste from the com ustion of nuclear fuel or from an nuclear aste Ø ithdrawal of the policy
hat so ever incurred the insured person in connection ith or in respect of
Ø Renewal ife long. Pre istin iseases Code cl pplica le for ection 1 for oth plans emotional and spiritual needs 2 ongenital External ondition efects nomalies Code cl 2 from com ustion including an self sustaining process of nuclear fission of i. n the li elihood of this product eing ithdra n in future the ompan ill intimate the
. Expenses related to the treatment of a pre existing isease E and its direct besity ei ht Control Code cl Expenses related to the surgical treatment nuclear fuel insured person a out the same 90 da s prior to expir of the polic
Ø Co era e 2 onvalescence general de ilit run do n condition utritional deficienc states
complications shall e excluded until the expir of 48 months of continuous coverage of o esit that does not fulfill all the elo conditions Code cl 2 . uclear eapons material ii. lnsured erson ill have the option to migrate to similar health insurance product
 ection ospitali ation over for ccidents and on cardiac ailments. after the date of inception of the first polic ith insurer. availa le ith the ompan at the time of rene al ith all the accrued continuit
. urger to e conducted is upon the advice of the octor 22 ntentional self in ur Code cl 22 c. he radioactive toxic explosive or other ha ardous properties of an explosive
 ection 2 ospitali ation over for ardiac ilments. . n case of enhancement of sum insured the exclusion shall appl afresh to the extent of . he surger rocedure conducted should e supported clinical protocols nuclear assem l or nuclear component thereof enefits such as cumulative onus aiver of aiting period as per guidelines
2 enereal isease and exuall ransmitted iseases ther than Code cl 2
 ection over for utpatient medical expenses. sum insured increase. . he mem er has to e 18 ears of age or older and d. uclear chemical and iological terrorism provided the polic has een maintained ithout a rea
ote a ment of an claim under this section shall not e construed as a aiver of ompan s . f the nsured erson is continuousl covered ithout an rea as defined under the 2 n ur disease directl or indirectl caused or arising from or attri uta le to ar invasion
. od ass ndex n claim arising out of sporting activities in so far as the involve the training or Ø nstalment Premium ptions lf the insured person has opted for a ment of remium on an
right to repudiate an claim on grounds of non disclosure of material fact or pre existing porta ilit norms of the extant ealth nsurance egulations then aiting period act of foreign enem arli e operations hether ar e declared or not Code cl 2
1. greater than or e ual to 40 or participation in competitions of professional or semi professional sports persons instalment asis i.e. alf earl or uarterl as mentioned in the polic chedule ertificate of
disease for hospitali ation expenses under hospitali ation provisions of the polic contract. for the same ould e reduced to the extent of prior coverage. 2 n ur or disease directl or indirectl caused or contri uted to nuclear
2. greater than or e ual to 35 in con unction ith an of the follo ing severe Code ec cl nsurance the follo ing onditions shall appl not ithstanding an terms contrar else here
 ection ersonal ccident cover for ccidental eath. . overage under the polic after the expir of 48 months for an pre existing disease is eapons material Code cl 2
co mor idities follo ing failure of less invasive methods of eight loss articipation in a ardous port a ardous ctivities Code ec cl in the polic
su ect to the same eing declared at the time of application and accepted nsurer. 2 Expenses incurred on Enhanced External ounter ulsation herap and related
 odern Treatments Expenses are su ect to the limits. a. esit related cardiom opath
ersons ho are ph sicall challenged unless specificall agreed and endorsed in i. race eriod of 7 da s ould e given to pa the instalment premium due for the polic
2 pecified disease procedure waitin period Code cl 2 pplica le for ection 1 for therapies helation therap per aric x gen herap otational ield uantum
or details please refer website www starhealth in . oronar heart disease the polic Code ec cl ii. uring such grace period coverage ill not e availa le from the due date of
oth plans agnetic esonance herap o level laser therap hotod namic therap
c. evere leep pnea instalment premium till the date of receipt of premium ompan
Ø um nsured ptions s.3 00 000 and s.4 00 000 . . Expenses related to the treatment of the follo ing listed onditions surgeries treatments and such other therapies Code cl 2 n loss arising out of the nsured erson s actual or attempted commission of or
pplica le for ection 1 2 and 3 put together . shall e excluded until the expir of 24 months of continuous coverage after the date of d. Uncontrolled pe2 ia etes iii. he insured person ill get the accrued continuit enefit in respect of the aiting
illful participation in an illegal act or an violation or attempted violation of the la
210.00 mm

inception of the first polic ith us. his exclusion shall not e applica le for claims arising Chan e of ender treatments Code cl Expenses related to an treatment 2 Unconventional Untested Experimental therapies Code cl 2 eriods pecific aiting eriods in the event of pa ment of premium ithin the
ersonal ccident um nsured as per ection 4 shall e e ual to um nsured opted. Code ec cl
due to an accident. including surgical management to change characteristics of the od to those of the 2 hondroc te mplantation rocedures using latelet ich plasma and ntra articular stipulated grace eriod
Ø Plan options old and ilver. in ection therap Code cl 2 2 n claim arising out of an accident related to pregnanc or child irth infirmit
. n case of enhancement of sum insured the exclusion shall appl afresh to the extent of opposite sex. iv. o interest ill e charged lf the instalment premium is not paid on due date
sum insured increase. hether directl or indirectl Code ec cl 2
Ø Policy Term year 2 years years or policies more than one ear the um nsured is for each Cosmetic or plastic ur ery Code cl Expenses for cosmetic or plastic 2 iologicals except hen administered as an in patient hen clinicall indicated and v. ln case of instalment premium due not received ithin the grace period the polic ill
ear ithout an carr over enefit thereof. . f an of the specified disease procedure falls under the aiting period specified for surger or an treatment to change appearance unless for reconstruction follo ing an hospitali ation arranted Code cl 2 Ø oratorium Period fter completion of eight continuous ears under the polic no loo
get cancelled
pre existing diseases then the longer of the t o aiting periods shall appl . ccident urn s or ancer or as part of medicall necessar treatment to remove a ll treatment for riapism and erectile d sfunctions Code cl ac to e applied. his period of eight ears is called as moratorium period. he moratorium
Ø nstalment acility a ailable remium can e paid uarterl and alf earl . remium can also e . he aiting period for listed conditions shall appl even if contracted after the polic or ould e applica le for the sums insured of the first polic and su se uentl completion of vi. ln the event of a claim all su se uent premium instalments shall immediatel ecome
paid nnuall iennial nce in 2 ears and riennial nce in 3 ears . direct and immediate health ris to the insured. or this to e considered a medical noculation or accination except for post ite treatment and for medical treatment for due and pa a le
declared and accepted ithout a specific exclusion. necessit it must e certified the attending edical ractitioner. 8 continuous ears ould e applica le from date of enhancement of sums insured onl on
or instalment mode of pa ment there ill e loading as given elo therapeutic reasons Code cl vii he compan has the right to recover and deduct all the pending installments from the
E. f the nsured erson is continuousl covered ithout an rea as defined under the the enhanced limits. fter the expir of oratorium eriod no health insurance claim shall e
 uarterl 3% a ardous or d enture sports Code cl Expenses related to an treatment 2 ental treatment or surger unless necessitated due to accidental in uries and claim amount due under the polic
applica le norms on porta ilit stipulated then aiting period for the same contesta le except for proven fraud and permanent exclusions specified in the polic
necessitated due to participation as a professional in ha ardous or adventure sports re uiring hospitali ation. ental implants are not pa a le Code cl 2
 alf earl 2% ould e reduced to the extent of prior coverage. contract. he policies ould ho ever e su ect to all limits su limits co pa ments Ø ree ook Period he ree oo eriod shall e applica le on ne individual health
. ist of specific diseases procedures including ut not limited to para umping roc clim ing mountaineering rafting edical and or surgical treatment of leep apnea treatment for endocrine disorders.
Ø Policy enefits deducti les as per the polic contract. insurance policies and not on rene als or at the time of porting migrating the polic .
i. ataract and diseases of the anterior and posterior cham er of the E e iseases motor racing horse racing or scu a diving hand gliding s diving deep sea diving. Code cl
of E iseases related to h roid rolapse of interverte ral disc other than reach of law Code cl Expenses for treatment directl arising from or Ø Renewal and race Period he polic shall ordinaril e rene a le except on grounds of he insured person shall e allo ed free loo period of fifteen da s from date of receipt of
ection old Plan il er Plan ospital registration charges admission charges telephone charges and such other the polic document to revie the terms and conditions of the polic and to return the same if
caused accident aricose veins and aricose ulcers all iseases of rostate conse uent upon an nsured erson committing or attempting to commit a reach of fraud misrepresentation the nsured erson
charges Code cl not accepta le.
pplica le for ccident and pplica le for ccident and tricture Urethra all structive Uropathies all t pes of ernia Epidid mal st la ith criminal intent. 1. he ompan shall endeavor to give notice for rene al. o ever the ompan is not
on cardiac ailments on cardiac ailments enign umours of Epidid mis permatocele aricocele drocele istula ost of spectacles and contact lens hearing aids al ers and crutches heel chairs under o ligation to give an notice for rene al lf the insured has not made an claim during the ree oo eriod the insured shall e entitled to
cluded Pro iders Code cl Expenses incurred to ards treatment in an ochlear implants and procedure related hospitali ation expenses
pplica le for ardiac ilments and pplica le for ardiac ilments and issure in ano emorrhoids ilonidal inus and istula ectal rolapse tress hospital or an edical ractitioner or an other provider specificall excluded 2. ene al shall not e denied on the ground that the insured person had made a claim i. a refund of the premium paid less an expenses incurred the ompan on medical
ncontinence and ongenital nternal disease defect ontinuous m ulator eritoneal ial sis infusion pump and such other similar aids. or claims in the preceding polic ears examination of the insured person and the stamp dut charges or
2 complications. over availa le for oth surgical complications. over availa le onl for the nsurer and disclosed in its e site notified to the polic holders are not
intervention and medical management surgical intervention ii. esmoid tumour of anterior a dominal all all ladder and ancreatic diseases Code cl
admissi le. o ever in case of life threatening situations or follo ing an accident 3. e uest for rene al along ith re uisite premium shall e received the ompan ii. here the ris has alread commenced and the option of return of the polic is
and all treatments conservative interventional laparoscopic and open related to n hospitali ations hich are not edicall ecessar Code cl exercised the insured person a deduction to ards the proportionate ris premium
utpatient e penses in networked utpatient e penses in networked expenses up to the stage of sta ili ation are pa a le ut not the complete claim. efore the end of the polic period
epato pancreato iliar diseases including all ladder and ancreatic calculi. ll ther Excluded Expenses as detailed in the e site www starhealth in Code cl for period of cover or
facility s.500 per event su ect to a facility s.500 per event su ect to a t pes of management for idne calculi and enitourinar tract calculi 2 reatment for lcoholism drug or su stance a use or an addictive condition and 4. t the end of the polic period the polic shall terminate and can e rene ed ithin the
maximum of s.1500 per polic period maximum of s.1500 per polic period conse uences thereof Code cl 2 Existing disease s disclosed the insured and mentioned in the polic schedule race eriod of 30 da s to maintain continuit of enefits ithout rea in polic iii. here onl a part of the insurance coverage has commenced such proportionate
iii. ll treatments conservative interventional laparoscopic and open related to all
Personal ccident eath onl cover Personal ccident eath onl cover iseases of Uterus allopian tu es ervix and varies Uterine leeding elvic ased on insured s consent for specified codes Code cl 5. overage is not availa le during the grace period premium commensurate ith the insurance coverage during such period
reatments received in health h dros nature cure clinics spas or similar
e ual to chosen um nsured e ual to chosen um nsured nflammator iseases enign reast diseases Um ilical sinus Um ilical fistula esta lishments or private eds registered as a nursing home attached to such Expenses incurred for treatment of diseases illness accidental in uries s stems of 6. o loading shall appl on rene als ased on individual claims experience Ø Cancellation he polic holder ma cancel this polic giving 15 da s ritten notice and
aitin period applicable for ection 2 only 90 da s aiting period irrespective of hether it is iv. onservative operative treatment and all t pes of intervention for iseases related esta lishments or here admission is arranged holl or partl for domestic reasons medicine other than allopath Code cl in such an event the ompan shall refund premium for the unexpired polic period as
to endon igament ascia ones and oint ncluding rthroscop and ote clusion nos 2 and are not applicable for ection Ø Possibility of Re ision of Terms of the Policy lncludin the Premium Rates he
pre existing or not Code cl detailed elo
rthroplast other than caused accident ompan ith prior approval of l l ma revise or modif the terms of the polic including
et or ed acilit means hospitals da care centers clinics diagnostic centers that the ompan has ietar supplements and su stances that can e purchased ithout prescription Ø clusions applicable for ection Personal ccident the premium rates. he insured person shall e notified three months efore the changes Cancellation table applicable for Policy Term
mutuall agreed ith to provide medical services. etails availa le in our e site .starhealth.in v. egenerative disc and erte ral diseases including eplacement of ones and
including ut not limited to itamins minerals and organic su stances unless n claim relating to events occurring efore the commencement of the cover or are effected. Year without instalment option
oints and egenerative diseases of the usculo s eletal s stem
prescri ed a medical practitioner as part of hospitali ation claim or da care other ise outside the eriod of nsurance. Code ec cl
ü oom oarding and ursing Expenses all inclusive as provided the ospital ursing vi. u cutaneous enign lumps e aceous c st ermoid c st ucous c st lip chee Ø Re ision in um nsured n revision in sum insured is permissi le onl at the time of Period on risk Rate of premium to be retained
ome su ect to a maximum of s.5 000 per da . penses relatin to the hospitali ation procedure Code cl 2 Code ec cl 2 n claim arising out of ccident of the nsured erson from
arpal tunnel s ndrome rigger finger ipoma eurofi roma i roadenoma rene al. he nsured erson can propose such revision and ma e allo ed su ect to
will be considered in proportion to the eli ible room rent as stated abo e or actual anglion and similar patholog Refracti e rror Code cl Expenses related to the treatment for correction of a. ntentional self in ur suicide or attempted suicide or Up to one month 22.5% of the polic premium
ompan s approval and pa ment of appropriate premium.
whiche er is less vii. n transplant and related surger e e sight due to refractive error less than 7. 5 dioptres . hilst under the influence of intoxicating li uor or drugs or Exceeding one month up to 3 months 37.5% of the polic premium
ü Emergenc am ulance charges upto s.750 per hospitali ation and s.1500 per polic period npro en Treatments Code cl Expenses related to an unproven treatment c. elf endangerment unless in self defense or to save human life Ø i ration he insured person ill have the option to migrate the polic to other health
day waitin period Code cl pplica le for ection 1 for oth plans Exceeding 3 months up to 6 months 57.5% of the polic premium
ü re hospitali ation expenses for a period not exceeding 30 da s prior to the date of hospitali ation . Expenses related to the treatment of an illness ithin 30 da s from the first polic services and supplies for or in connection ith an treatment. Unproven treatments n claim arising out of suicide or attempted suicide self inflicted in uries or sexuall insurance products plans offered the compan appl ing for migration of the olic
atleast 30 da s efore the polic rene al date as per guidelines on igration. lf such Exceeding 6 months up to 9 months 80% of the polic premium
ü ost hospitali ation expenses for a period not exceeding 60 da s after discharge from commencement date shall e excluded except claims arising due to an accident are treatments procedures or supplies that lac significant medical documentation to transmitted conditions anxiet stress depression venereal disease ther than
hospital. he amount pa a le shall not exceed the sum e uivalent to 7% of the hospitali ation provided the same are covered. support their effectiveness Code ec cl person is presentl covered and has een continuousl covered ithout an lapses under Exceeding 9 months ull of the polic premium
2

585.00 mm
 102.50 mm 102.50 mm 95.00 mm 95.00 mm 95.00 mm 95.00 mm

expenses su ect to a maximum of s.5 000 per hospitali ation. or the purpose of . his exclusion shall not ho ever appl if the nsured erson has continuous terility and nfertility Code cl Expenses related to sterilit and infertilit . his nsured erson engaging in ir ravel unless he she flies as a fare pa ing passenger an health insurance product plan offered the compan the insured person ill get the
Star Cardiac Care Insurance Policy calculation of the 7% onl nursing expenses surgeon s consultants fees diagnostic charges coverage for more than t elve months. includes on an aircraft properl licensed to carr passengers. or the purpose of this exclusion accrued continuit enefits in aiting periods as per guidelines on migration.
nique P22 2 2 22 and cost of drugs and medicines ill e ta en . he ithin referred aiting period is made applica le to the enhanced sum a. n t pe of contraception sterili ation ir ravel means eing in or on or oarding an aircraft for the purpose of fl ing therein or etailed uidelines on mi ration kindly refer the link
Ø ay Care Procedures ll da care procedures are covered. insured in the event of granting higher sum insured su se uentl . . ssisted eproduction services including artificial insemination and advanced or alighting there from Code ec cl https .irdai.gov.in cms frm uidelines a out.aspx page age o3987
he trauma of a surger and the financial drain thereafter is est no n to those ho have undergone one.
n esti ation aluation Code cl reproductive technologies such as ccidents that are results of ar and arli e occurrence or invasion acts of foreign
ost surger ou must e certainl feeling etter ut still orried. Ø ublimits for treatment of Cataract Expenses for treatment of ataract are pa a le up to Ø Portability he insured person ill have the option to port the polic to other insurers
. Expenses related to an admission primaril for diagnostics and evaluation c. estational urrogac enemies hostilities civil ar re ellion insurrection civil commotion assuming the
nl tar health the ealth nsurance specialist understands our needs etter and offers a custom made s.20 000 per hospitali ation and s.30 000 for the entire polic period. appl ing to such insurer to port the entire polic along ith all the mem ers of the famil if
solution ust apt to ensure ou eep smiling al a s. purposes onl are excluded. d. eversal of sterili ation proportions of or amounting to an uprising militar or usurped po er sei ure capture an at least 45 da s efore ut not earlier than 60 da s from the polic rene al date as per
Ø Co Payment 10% of each and ever claim made insured person hose age at the time of entr is . n diagnostic expenses hich are not related or not incidental to the current aternity Code cl arrest restraints detainments of all ings princes and people of hatever nation
Ø li ibility guidelines related to porta ilit . lf such person is presentl covered and has een
61 ears and a ove. his co pa is applica le for ection 1 onl . f our age is less than 61 ears diagnosis and treatment are excluded. a. edical treatment expenses tracea le to child irth including complicated condition or ualit hatsoever Code ec cl
 ersons aged et een 10 ears and 65 ears ho have undergone an of the follo ing during first inception of this polic then co pa ment condition shall not e applica le. continuousl covered ithout an lapses under an health insurance polic ith an lndian
Rest Cure rehabilitation and respite care Code cl Expenses related to an deliveries and caesarean sections incurred during hospitali ation except articipation in riots confiscation or nationali ation or re uisition of or destruction of eneral ealth insurer the proposed insured person ill get the accrued continuit enefits
1. ercutaneous ransluminal oronar ngioplast oronar rter pass ectopic pregnanc or damage to propert or under the order of an government or local authorit
Ø Pre acceptance edical creenin here is no re uirement of re acceptance edical admission primaril for enforced ed rest and not for receiving treatment. his also in aiting periods as per guidelines on porta ilit . or details contact
raft ithin 7 ears period prior to proposal or . Expenses to ards miscarriage unless due to an accident and la ful medical
creening. t is enough to su mit previous medical records including details of latest treatment along includes Code ec cl porta ilit starhealth.in or call elephone o 91 044 28288869.
2. trial eptal efect or entricular eptal efect that has een corrected or ith the proposal form. termination of pregnanc during the polic period
1. ustodial care either at home or in a nursing facilit for personal care such as n claim resulting or arising from or an conse uential loss directl or indirectl
3. atent uctus rteriosus that has een treated or or etailed uidelines on portability kindly refer the link
Ø clusions help ith activities of dail living such as athing dressing moving around either ircumcision unless necessar for treatment of a disease not excluded under this caused or contri uted to or arising from Code ec cl https .irdai.gov.in cms frm uidelines a out.aspx page age o3987
4. lation or lation done to correct the underl ing cardiac condition or s illed nurses or assistant or non s illed persons polic or necessitated due to an accident reputioplast renuloplast reputial
he ompan shall not e lia le to ma e an pa ments under this polic in respect of an expenses a. oni ing radiation or contamination radioactivit from an nuclear fuel or from
5. ad an ngiogram done ut no intervention as medicall found necessar 2. n services for people ho are terminall ill to address ph sical social ilatation and emoval of E Code cl an nuclear aste from the com ustion of nuclear fuel or from an nuclear aste Ø ithdrawal of the policy
hat so ever incurred the insured person in connection ith or in respect of
Ø Renewal ife long. Pre istin iseases Code cl pplica le for ection 1 for oth plans emotional and spiritual needs 2 ongenital External ondition efects nomalies Code cl 2 from com ustion including an self sustaining process of nuclear fission of i. n the li elihood of this product eing ithdra n in future the ompan ill intimate the
. Expenses related to the treatment of a pre existing isease E and its direct besity ei ht Control Code cl Expenses related to the surgical treatment nuclear fuel insured person a out the same 90 da s prior to expir of the polic
Ø Co era e 2 onvalescence general de ilit run do n condition utritional deficienc states
complications shall e excluded until the expir of 48 months of continuous coverage of o esit that does not fulfill all the elo conditions Code cl 2 . uclear eapons material ii. lnsured erson ill have the option to migrate to similar health insurance product
 ection ospitali ation over for ccidents and on cardiac ailments. after the date of inception of the first polic ith insurer. availa le ith the ompan at the time of rene al ith all the accrued continuit
. urger to e conducted is upon the advice of the octor 22 ntentional self in ur Code cl 22 c. he radioactive toxic explosive or other ha ardous properties of an explosive
 ection 2 ospitali ation over for ardiac ilments. . n case of enhancement of sum insured the exclusion shall appl afresh to the extent of . he surger rocedure conducted should e supported clinical protocols nuclear assem l or nuclear component thereof enefits such as cumulative onus aiver of aiting period as per guidelines
2 enereal isease and exuall ransmitted iseases ther than Code cl 2
 ection over for utpatient medical expenses. sum insured increase. . he mem er has to e 18 ears of age or older and d. uclear chemical and iological terrorism provided the polic has een maintained ithout a rea
ote a ment of an claim under this section shall not e construed as a aiver of ompan s . f the nsured erson is continuousl covered ithout an rea as defined under the 2 n ur disease directl or indirectl caused or arising from or attri uta le to ar invasion
. od ass ndex n claim arising out of sporting activities in so far as the involve the training or Ø nstalment Premium ptions lf the insured person has opted for a ment of remium on an
right to repudiate an claim on grounds of non disclosure of material fact or pre existing porta ilit norms of the extant ealth nsurance egulations then aiting period act of foreign enem arli e operations hether ar e declared or not Code cl 2
1. greater than or e ual to 40 or participation in competitions of professional or semi professional sports persons instalment asis i.e. alf earl or uarterl as mentioned in the polic chedule ertificate of
disease for hospitali ation expenses under hospitali ation provisions of the polic contract. for the same ould e reduced to the extent of prior coverage. 2 n ur or disease directl or indirectl caused or contri uted to nuclear
2. greater than or e ual to 35 in con unction ith an of the follo ing severe Code ec cl nsurance the follo ing onditions shall appl not ithstanding an terms contrar else here
 ection ersonal ccident cover for ccidental eath. . overage under the polic after the expir of 48 months for an pre existing disease is eapons material Code cl 2
co mor idities follo ing failure of less invasive methods of eight loss articipation in a ardous port a ardous ctivities Code ec cl in the polic
su ect to the same eing declared at the time of application and accepted nsurer. 2 Expenses incurred on Enhanced External ounter ulsation herap and related
 odern Treatments Expenses are su ect to the limits. a. esit related cardiom opath
ersons ho are ph sicall challenged unless specificall agreed and endorsed in i. race eriod of 7 da s ould e given to pa the instalment premium due for the polic
2 pecified disease procedure waitin period Code cl 2 pplica le for ection 1 for therapies helation therap per aric x gen herap otational ield uantum
or details please refer website www starhealth in . oronar heart disease the polic Code ec cl ii. uring such grace period coverage ill not e availa le from the due date of
oth plans agnetic esonance herap o level laser therap hotod namic therap
c. evere leep pnea instalment premium till the date of receipt of premium ompan
Ø um nsured ptions s.3 00 000 and s.4 00 000 . . Expenses related to the treatment of the follo ing listed onditions surgeries treatments and such other therapies Code cl 2 n loss arising out of the nsured erson s actual or attempted commission of or
pplica le for ection 1 2 and 3 put together . shall e excluded until the expir of 24 months of continuous coverage after the date of d. Uncontrolled pe2 ia etes iii. he insured person ill get the accrued continuit enefit in respect of the aiting
illful participation in an illegal act or an violation or attempted violation of the la
210.00 mm

inception of the first polic ith us. his exclusion shall not e applica le for claims arising Chan e of ender treatments Code cl Expenses related to an treatment 2 Unconventional Untested Experimental therapies Code cl 2 eriods pecific aiting eriods in the event of pa ment of premium ithin the
ersonal ccident um nsured as per ection 4 shall e e ual to um nsured opted. Code ec cl
due to an accident. including surgical management to change characteristics of the od to those of the 2 hondroc te mplantation rocedures using latelet ich plasma and ntra articular stipulated grace eriod
Ø Plan options old and ilver. in ection therap Code cl 2 2 n claim arising out of an accident related to pregnanc or child irth infirmit
. n case of enhancement of sum insured the exclusion shall appl afresh to the extent of opposite sex. iv. o interest ill e charged lf the instalment premium is not paid on due date
sum insured increase. hether directl or indirectl Code ec cl 2
Ø Policy Term year 2 years years or policies more than one ear the um nsured is for each Cosmetic or plastic ur ery Code cl Expenses for cosmetic or plastic 2 iologicals except hen administered as an in patient hen clinicall indicated and v. ln case of instalment premium due not received ithin the grace period the polic ill
ear ithout an carr over enefit thereof. . f an of the specified disease procedure falls under the aiting period specified for surger or an treatment to change appearance unless for reconstruction follo ing an hospitali ation arranted Code cl 2 Ø oratorium Period fter completion of eight continuous ears under the polic no loo
get cancelled
pre existing diseases then the longer of the t o aiting periods shall appl . ccident urn s or ancer or as part of medicall necessar treatment to remove a ll treatment for riapism and erectile d sfunctions Code cl ac to e applied. his period of eight ears is called as moratorium period. he moratorium
Ø nstalment acility a ailable remium can e paid uarterl and alf earl . remium can also e . he aiting period for listed conditions shall appl even if contracted after the polic or ould e applica le for the sums insured of the first polic and su se uentl completion of vi. ln the event of a claim all su se uent premium instalments shall immediatel ecome
paid nnuall iennial nce in 2 ears and riennial nce in 3 ears . direct and immediate health ris to the insured. or this to e considered a medical noculation or accination except for post ite treatment and for medical treatment for due and pa a le
declared and accepted ithout a specific exclusion. necessit it must e certified the attending edical ractitioner. 8 continuous ears ould e applica le from date of enhancement of sums insured onl on
or instalment mode of pa ment there ill e loading as given elo therapeutic reasons Code cl vii he compan has the right to recover and deduct all the pending installments from the
E. f the nsured erson is continuousl covered ithout an rea as defined under the the enhanced limits. fter the expir of oratorium eriod no health insurance claim shall e
 uarterl 3% a ardous or d enture sports Code cl Expenses related to an treatment 2 ental treatment or surger unless necessitated due to accidental in uries and claim amount due under the polic
applica le norms on porta ilit stipulated then aiting period for the same contesta le except for proven fraud and permanent exclusions specified in the polic
necessitated due to participation as a professional in ha ardous or adventure sports re uiring hospitali ation. ental implants are not pa a le Code cl 2
 alf earl 2% ould e reduced to the extent of prior coverage. contract. he policies ould ho ever e su ect to all limits su limits co pa ments Ø ree ook Period he ree oo eriod shall e applica le on ne individual health
. ist of specific diseases procedures including ut not limited to para umping roc clim ing mountaineering rafting edical and or surgical treatment of leep apnea treatment for endocrine disorders.
Ø Policy enefits deducti les as per the polic contract. insurance policies and not on rene als or at the time of porting migrating the polic .
i. ataract and diseases of the anterior and posterior cham er of the E e iseases motor racing horse racing or scu a diving hand gliding s diving deep sea diving. Code cl
of E iseases related to h roid rolapse of interverte ral disc other than reach of law Code cl Expenses for treatment directl arising from or Ø Renewal and race Period he polic shall ordinaril e rene a le except on grounds of he insured person shall e allo ed free loo period of fifteen da s from date of receipt of
ection old Plan il er Plan ospital registration charges admission charges telephone charges and such other the polic document to revie the terms and conditions of the polic and to return the same if
caused accident aricose veins and aricose ulcers all iseases of rostate conse uent upon an nsured erson committing or attempting to commit a reach of fraud misrepresentation the nsured erson
charges Code cl not accepta le.
pplica le for ccident and pplica le for ccident and tricture Urethra all structive Uropathies all t pes of ernia Epidid mal st la ith criminal intent. 1. he ompan shall endeavor to give notice for rene al. o ever the ompan is not
on cardiac ailments on cardiac ailments enign umours of Epidid mis permatocele aricocele drocele istula ost of spectacles and contact lens hearing aids al ers and crutches heel chairs under o ligation to give an notice for rene al lf the insured has not made an claim during the ree oo eriod the insured shall e entitled to
cluded Pro iders Code cl Expenses incurred to ards treatment in an ochlear implants and procedure related hospitali ation expenses
pplica le for ardiac ilments and pplica le for ardiac ilments and issure in ano emorrhoids ilonidal inus and istula ectal rolapse tress hospital or an edical ractitioner or an other provider specificall excluded 2. ene al shall not e denied on the ground that the insured person had made a claim i. a refund of the premium paid less an expenses incurred the ompan on medical
ncontinence and ongenital nternal disease defect ontinuous m ulator eritoneal ial sis infusion pump and such other similar aids. or claims in the preceding polic ears examination of the insured person and the stamp dut charges or
2 complications. over availa le for oth surgical complications. over availa le onl for the nsurer and disclosed in its e site notified to the polic holders are not
intervention and medical management surgical intervention ii. esmoid tumour of anterior a dominal all all ladder and ancreatic diseases Code cl
admissi le. o ever in case of life threatening situations or follo ing an accident 3. e uest for rene al along ith re uisite premium shall e received the ompan ii. here the ris has alread commenced and the option of return of the polic is
and all treatments conservative interventional laparoscopic and open related to n hospitali ations hich are not edicall ecessar Code cl exercised the insured person a deduction to ards the proportionate ris premium
utpatient e penses in networked utpatient e penses in networked expenses up to the stage of sta ili ation are pa a le ut not the complete claim. efore the end of the polic period
epato pancreato iliar diseases including all ladder and ancreatic calculi. ll ther Excluded Expenses as detailed in the e site www starhealth in Code cl for period of cover or
facility s.500 per event su ect to a facility s.500 per event su ect to a t pes of management for idne calculi and enitourinar tract calculi 2 reatment for lcoholism drug or su stance a use or an addictive condition and 4. t the end of the polic period the polic shall terminate and can e rene ed ithin the
maximum of s.1500 per polic period maximum of s.1500 per polic period conse uences thereof Code cl 2 Existing disease s disclosed the insured and mentioned in the polic schedule race eriod of 30 da s to maintain continuit of enefits ithout rea in polic iii. here onl a part of the insurance coverage has commenced such proportionate
iii. ll treatments conservative interventional laparoscopic and open related to all
Personal ccident eath onl cover Personal ccident eath onl cover iseases of Uterus allopian tu es ervix and varies Uterine leeding elvic ased on insured s consent for specified codes Code cl 5. overage is not availa le during the grace period premium commensurate ith the insurance coverage during such period
reatments received in health h dros nature cure clinics spas or similar
e ual to chosen um nsured e ual to chosen um nsured nflammator iseases enign reast diseases Um ilical sinus Um ilical fistula esta lishments or private eds registered as a nursing home attached to such Expenses incurred for treatment of diseases illness accidental in uries s stems of 6. o loading shall appl on rene als ased on individual claims experience Ø Cancellation he polic holder ma cancel this polic giving 15 da s ritten notice and
aitin period applicable for ection 2 only 90 da s aiting period irrespective of hether it is iv. onservative operative treatment and all t pes of intervention for iseases related esta lishments or here admission is arranged holl or partl for domestic reasons medicine other than allopath Code cl in such an event the ompan shall refund premium for the unexpired polic period as
to endon igament ascia ones and oint ncluding rthroscop and ote clusion nos 2 and are not applicable for ection Ø Possibility of Re ision of Terms of the Policy lncludin the Premium Rates he
pre existing or not Code cl detailed elo
rthroplast other than caused accident ompan ith prior approval of l l ma revise or modif the terms of the polic including
et or ed acilit means hospitals da care centers clinics diagnostic centers that the ompan has ietar supplements and su stances that can e purchased ithout prescription Ø clusions applicable for ection Personal ccident the premium rates. he insured person shall e notified three months efore the changes Cancellation table applicable for Policy Term
mutuall agreed ith to provide medical services. etails availa le in our e site .starhealth.in v. egenerative disc and erte ral diseases including eplacement of ones and
including ut not limited to itamins minerals and organic su stances unless n claim relating to events occurring efore the commencement of the cover or are effected. Year without instalment option
oints and egenerative diseases of the usculo s eletal s stem
prescri ed a medical practitioner as part of hospitali ation claim or da care other ise outside the eriod of nsurance. Code ec cl
ü oom oarding and ursing Expenses all inclusive as provided the ospital ursing vi. u cutaneous enign lumps e aceous c st ermoid c st ucous c st lip chee Ø Re ision in um nsured n revision in sum insured is permissi le onl at the time of Period on risk Rate of premium to be retained
ome su ect to a maximum of s.5 000 per da . penses relatin to the hospitali ation procedure Code cl 2 Code ec cl 2 n claim arising out of ccident of the nsured erson from
arpal tunnel s ndrome rigger finger ipoma eurofi roma i roadenoma rene al. he nsured erson can propose such revision and ma e allo ed su ect to
will be considered in proportion to the eli ible room rent as stated abo e or actual anglion and similar patholog Refracti e rror Code cl Expenses related to the treatment for correction of a. ntentional self in ur suicide or attempted suicide or Up to one month 22.5% of the polic premium
ompan s approval and pa ment of appropriate premium.
whiche er is less vii. n transplant and related surger e e sight due to refractive error less than 7. 5 dioptres . hilst under the influence of intoxicating li uor or drugs or Exceeding one month up to 3 months 37.5% of the polic premium
ü Emergenc am ulance charges upto s.750 per hospitali ation and s.1500 per polic period npro en Treatments Code cl Expenses related to an unproven treatment c. elf endangerment unless in self defense or to save human life Ø i ration he insured person ill have the option to migrate the polic to other health
day waitin period Code cl pplica le for ection 1 for oth plans Exceeding 3 months up to 6 months 57.5% of the polic premium
ü re hospitali ation expenses for a period not exceeding 30 da s prior to the date of hospitali ation . Expenses related to the treatment of an illness ithin 30 da s from the first polic services and supplies for or in connection ith an treatment. Unproven treatments n claim arising out of suicide or attempted suicide self inflicted in uries or sexuall insurance products plans offered the compan appl ing for migration of the olic
atleast 30 da s efore the polic rene al date as per guidelines on igration. lf such Exceeding 6 months up to 9 months 80% of the polic premium
ü ost hospitali ation expenses for a period not exceeding 60 da s after discharge from commencement date shall e excluded except claims arising due to an accident are treatments procedures or supplies that lac significant medical documentation to transmitted conditions anxiet stress depression venereal disease ther than
hospital. he amount pa a le shall not exceed the sum e uivalent to 7% of the hospitali ation provided the same are covered. support their effectiveness Code ec cl person is presentl covered and has een continuousl covered ithout an lapses under Exceeding 9 months ull of the polic premium
2

585.00 mm
 95.00 mm
Cancellation table applicable for Policy Term Year with instalment option of
alf yearly premium payment frequency
Period on risk
Up to one month
Exceeding one month up to 4 months
Exceeding 4 months up to 6 months
Exceeding 6 months up to 7 months
Exceeding 7 months up to 10 months
Exceeding 10 months
Cancellation table applicable for Policy Term Year with instalment option of
Quarterly premium payment frequency
Period on risk
Up to one month
Exceeding one month up to 3 months
Exceeding 3 months up to 4 months
Exceeding 4 months up to 6 months
Exceeding 6 months up to 7 months
Exceeding 7 months up to 9 months
Exceeding 9 months up to 10 months
Exceeding 10 months
Cancellation table applicable for Policy Term
2 Years without instalment option
210.00 mm
Period on risk
Up to one month
Exceeding one month up to 3 months
Exceeding 3 months up to 6 months
Exceeding 6 months up to 9 months
Exceeding 9 months up to 12 months
Exceeding 12 months up to 15 months
Exceeding 15 months up to 18 months
Exceeding 18 months up to 21 months
Exceeding 21 months
Cancellation table applicable for Policy Term 2 Years with instalment option of
alf yearly premium payment frequency
Period on risk
Up to one month
Exceeding one month up to 4 months
Exceeding 4 months up to 6 months
Exceeding 6 months up to 7 months
Exceeding 7 months up to 10 months
Exceeding 10 months up to 12 months
Exceeding 12 months up to 15 months
Exceeding 15 months up to 18 months
Exceeding 18 months up to 21 months
Exceeding 21 months
95.00 mm 95.00 mm 95.00 mm 102.50 mm 102.50 mm
CY
Cancellation table applicable for Policy Term 2 Years with instalment option of Cancellation table applicable for Policy Term Years with instalment option of Premium Chart for ne Year in Rs cludin Ta
Quarterly premium payment frequency Quarterly premium payment frequency um nsured Rs Rs
Rate of premium to be retained Period on risk Rate of premium to be retained Period on risk Rate of premium to be retained Plan e and in Yrs il er Plan old Plan il er Plan old Plan
45% of the total premium received Up to one month 87.5% of the total premium received Up to one month 87.5% of the total premium received 10 60 rs 14 095 18 790 16 110 21 475
87.5% of the total premium received Exceeding one month up to 3 months 100% of the total premium received Exceeding one month up to 3 months 100% of the total premium received 61 65 rs 16 210 21 610 18 525 24 695
P
Exceeding 3 months up to 4 months 87.5% of the total premium received Exceeding 3 months up to 4 months 87.5% of the total premium received or Renewals only
100% of the total premium received
Exceeding 4 months up to 6 months 100% of the total premium received Exceeding 4 months up to 6 months 100% of the total premium received 66 70 rs 18 640 24 850 21 300 28 400
65% of the total premium received
Exceeding 6 months up to 7 months 85% of the total premium received 71 80 rs 20 505 27 335 23 430 31 240
Exceeding 6 months up to 7 months 85% of the total premium received
C
85% of the total premium received ove 80 rs 22 555 30 070 25 775 34 365
Exceeding 7 months up to 9 months 100% of the total premium received Exceeding 7 months up to 9 months 100% of the total premium received
100% of the total premium received Exceeding 9 months up to 10 months 85% of the total premium received Premium Chart for Two Years in Rs cludin Ta
Exceeding 9 months up to 10 months 85% of the total premium received
Exceeding 10 months up to 12 months 100% of the total premium received um nsured Rs Rs
Exceeding 10 months up to 12 months 100% of the total premium received
Plan e and in Yrs il er Plan old Plan il er Plan old Plan
R
Exceeding 12 months up to 13 months 97.5% of the total premium received Exceeding 12 months up to 13 months 97.5% of the total premium received
Rate of premium to be retained 10 59 rs 27 203 36 265 31 092 41 447
Exceeding 13 months up to 15 months 100% of the total premium received Exceeding 13 months up to 15 months 100% of the total premium received
87.5% of the total premium received 60 rs 29 244 38 986 33 423 44 554
Exceeding 15 months up to 16 months 95% of the total premium received Exceeding 15 months up to 16 months 95% of the total premium received 61 64 rs 31 285 41 707 35 753 47 661
100% of the total premium received Exceeding 16 months up to 18 months 100% of the total premium received Exceeding 16 months up to 18 months 100% of the total premium received 65 rs 33 630 44 834 38 431 51 237
87.5% of the total premium received Exceeding 18 months up to 19 months 95% of the total premium received Exceeding 18 months up to 19 months 95% of the total premium received or Renewals only
100% of the total premium received Exceeding 19 months up to 21 months 100% of the total premium received Exceeding 19 months up to 21 months 100% of the total premium received 66 69 rs 35 975 47 961 41 109 54 812
Exceeding 21 months up to 22 months 92.5% of the total premium received Exceeding 21 months up to 22 months 92.5% of the total premium received 70 rs 37 775 50 359 43 164 57 553
C C R
85% of the total premium received
Exceeding 22 months 100% of the total premium received Exceeding 22 months up to 24 months 100% of the total premium received 71 79 rs 39 575 52 757 45 220 60 293
100% of the total premium received
Cancellation table applicable for Policy Term Exceeding 24 months up to 25 months 97.5% of the total premium received 80 rs 41 553 55 396 47 483 63 309
85% of the total premium received Years without instalment option ove 80 rs 43 531 58 035 49 746 66 324
Exceeding 25 months up to 27 months 100% of the total premium received
100% of the total premium received Period on risk Rate of premium to be retained Premium Chart for Three Years in Rs cludin Ta
Exceeding 27 months up to 28 months 97.5% of the total premium received
Up to one month 17.5% of the polic premium um nsured Rs Rs
Exceeding 28 months up to 30 months 100% of the total premium received
Exceeding one month up to 3 months 22.5% of the polic premium Plan e and in Yrs il er Plan old Plan il er Plan old Plan
Exceeding 30 months up to 31 months 95% of the total premium received
Rate of premium to be retained Exceeding 3 months up to 6 months 30% of the polic premium 10 58 rs 39 536 52 706 45 189 60 237
Exceeding 31 months up to 33 months 100% of the total premium received
Exceeding 6 months up to 9 months 37.5% of the polic premium 59 rs 41 514 55 343 47 447 63 248
17.5% of the polic premium
T R C R
Exceeding 33 months up to 34 months 95% of the total premium received 60 rs 43 492 57 979 49 705 66 259
Exceeding 9 months up to 12 months 42.5% of the polic premium
25% of the polic premium Exceeding 34 months 100% of the total premium received 61 63 rs 45 469 60 616 51 963 69 269
Exceeding 12 months up to 15 months 50% of the polic premium
37.5% of the polic premium ot ithstanding an thing contained herein or other ise no refunds of premium shall e 64 rs 47 741 63 645 54 557 72 734
Exceeding 15 months up to 18 months 57.5% of the polic premium made in respect of ancellation here an claim has een admitted or has een lodged or 65 rs 50 013 66 675 57 152 76 198
47.5% of the polic premium Exceeding 18 months up to 21 months 65% of the polic premium an enefit has een availed the insured person under the polic . or Renewals only
Exceeding 21 months up to 24 months 72.5% of the polic premium ii. he ompan ma cancel the polic at an time on grounds of misrepresentation 66 68 rs 52 285 69 704 59 747 79 662
57.5% of the polic premium non disclosure of material facts fraud the insured person giving 15 da s ritten
Exceeding 24 months up to 27 months 80% of the polic premium notice. here ould e no refund of premium on cancellation on grounds of 69 rs 54 029 72 028 61 738 82 317
67.5% of the polic premium
Exceeding 27 months up to 30 months 85% of the polic premium misrepresentation non disclosure of material facts or fraud 70 rs 55 773 74 351 63 730 84 973
80% of the polic premium Exceeding 30 months up to 33 months 92.5% of the polic premium Ø utomatic piry of the policy he insurance under this polic ith respect to each 71 78 rs 57 517 76 675 65 721 87 628
relevant insured person shall expire immediatel upon death of the insured person or on 79 rs 59 433 79 232 67 914 90 550
90% of the polic premium Exceeding 33 months ull of the polic premium
expir of the sum insured hichever shall first occur. 80 rs 61 350 81 789 70 106 93 472
ull of the polic premium Cancellation table applicable for Policy Term Years with instalment option of
Ø isclosure to information norms he polic shall ecome void and all premium paid ove 80 rs 63 267 84 346 72 299 96 394
alf yearly premium payment frequency
thereon shall e forfeited to the ompan in the event of mis representation mis description
Period on risk
Up to one month
Rate of premium to be retained
45% of the total premium received
or non disclosure of an material fact the polic holder. Ø Ta enefits a ment of premium an mode other than cash for this insurance is eligi le
for relief under ection 80 of the ncome ax ct 1961. tar Cardiac Care nsurance Policy
Rate of premium to be retained Ø The Company tar ealth and llied nsurance o. td. commenced its operations in nique P22 2 2 22
Exceeding one month up to 4 months 87.5% of the total premium received 2006 as ndia s first tandalone ealth nsurance provider. s an exclusive ealth nsurer Ø Prohibition of rebates ection 41 of nsurance ct 1938 o person shall allo or offer to
45% of the total premium received the ompan is providing sterling services in ealth ersonal ccident verseas ravel allo either directl or indirectl as an inducement to an person to ta e out or rene or
Exceeding 4 months up to 6 months 100% of the total premium received continue an insurance in respect of an ind of ris relating to lives or propert in ndia an
nsurance and is committed to setting international enchmar s in service and personal
87.5% of the total premium received Exceeding 6 months up to 7 months 65% of the total premium received caring. re ate of the hole or part of the commission pa a le or an re ate of the premium sho n
nsurance is the su ect matter of solicitation
Exceeding 7 months up to 10 months 85% of the total premium received on the polic nor shall an person ta ing out or rene ing or continuing a polic accept an
100% of the total premium received Ø tar d anta es re ate except such re ate as ma e allo ed in accordance ith the pu lished
Exceeding 10 months up to 12 months 100% of the total premium received  o hird art dministrator direct in house claims settlement prospectuses or ta les of the insurer. n person ma ing default in compl ing ith the
65% of the total premium received
Exceeding 12 months up to 15 months 90% of the total premium received  aster and hassle free claim settlement provisions of this section shall e lia le for a penalt hich ma extend to ten la hs rupees.
85% of the total premium received  ashless hospitali ation
Exceeding 15 months up to 18 months 100% of the total premium received The information provided in this brochure is only indicative.
100% of the total premium received Ø Claims Procedure For more details on the risk factors, terms and conditions,
Exceeding 18 months up to 21 months 90% of the total premium received

2 2
all the 24 hour help line for assistance 1800 425 2255 1800 102 4477 please read the policy wordings before concluding a sale.
90% of the total premium received Exceeding 21 months up to 24 months 100% of the total premium received  n case of planned hospitali ation inform 24 hours prior to admission in the hospital Or
Exceeding 24 months up to 27 months 95% of the total premium received  n case of emergenc hospitali ation information to e given ithin 24 hours after Visit Website: www.starhealth.in Buy this Insurance Online at www.starhealth.in STAR HEALTH AND ALLIED INSURANCE CO LTD
100% of the total premium received Call Toll-free: 1800-425-2255 / 1800-102-4477,
Exceeding 27 months up to 30 months 100% of the total premium received hospitali ation REGD & CORPORATE OFFICE: 1, New Tank Street,
C R
90% of the total premium received  ashless facilit herever possi le in net or hospital E E E E U E E sms STAR to 56677 « Fax Toll Free No: 1800-425-5522
Exceeding 30 months up to 33 months 92.5% of the total premium received U U E E E U . U E E Valluvar Ko am High Road, Nungambakkam, Chennai 600 034.
 n non net or hospitals pa ment must e made up front and then reim ursement ill Email : support@starhealth.in
100% of the total premium received Exceeding 33 months 100% of the total premium received U E E E UE E E E
R
e effected on su mission of documents CIN : U66010TN2005PLC056649 « IRDAI Regn. No: 129
585.00 mm
 95.00 mm
Cancellation table applicable for Policy Term Year with instalment option of
alf yearly premium payment frequency
Period on risk
Up to one month
Exceeding one month up to 4 months
Exceeding 4 months up to 6 months
Exceeding 6 months up to 7 months
Exceeding 7 months up to 10 months
Exceeding 10 months
Cancellation table applicable for Policy Term Year with instalment option of
Quarterly premium payment frequency
Period on risk
Up to one month
Exceeding one month up to 3 months
Exceeding 3 months up to 4 months
Exceeding 4 months up to 6 months
Exceeding 6 months up to 7 months
Exceeding 7 months up to 9 months
Exceeding 9 months up to 10 months
Exceeding 10 months
Cancellation table applicable for Policy Term
2 Years without instalment option
210.00 mm
Period on risk
Up to one month
Exceeding one month up to 3 months
Exceeding 3 months up to 6 months
Exceeding 6 months up to 9 months
Exceeding 9 months up to 12 months
Exceeding 12 months up to 15 months
Exceeding 15 months up to 18 months
Exceeding 18 months up to 21 months
Exceeding 21 months
Cancellation table applicable for Policy Term 2 Years with instalment option of
alf yearly premium payment frequency
Period on risk
Up to one month
Exceeding one month up to 4 months
Exceeding 4 months up to 6 months
Exceeding 6 months up to 7 months
Exceeding 7 months up to 10 months
Exceeding 10 months up to 12 months
Exceeding 12 months up to 15 months
Exceeding 15 months up to 18 months
Exceeding 18 months up to 21 months
Exceeding 21 months
95.00 mm 95.00 mm 95.00 mm 102.50 mm 102.50 mm
CY
Cancellation table applicable for Policy Term 2 Years with instalment option of Cancellation table applicable for Policy Term Years with instalment option of Premium Chart for ne Year in Rs cludin Ta
Quarterly premium payment frequency Quarterly premium payment frequency um nsured Rs Rs
Rate of premium to be retained Period on risk Rate of premium to be retained Period on risk Rate of premium to be retained Plan e and in Yrs il er Plan old Plan il er Plan old Plan
45% of the total premium received Up to one month 87.5% of the total premium received Up to one month 87.5% of the total premium received 10 60 rs 14 095 18 790 16 110 21 475
87.5% of the total premium received Exceeding one month up to 3 months 100% of the total premium received Exceeding one month up to 3 months 100% of the total premium received 61 65 rs 16 210 21 610 18 525 24 695
P
Exceeding 3 months up to 4 months 87.5% of the total premium received Exceeding 3 months up to 4 months 87.5% of the total premium received or Renewals only
100% of the total premium received
Exceeding 4 months up to 6 months 100% of the total premium received Exceeding 4 months up to 6 months 100% of the total premium received 66 70 rs 18 640 24 850 21 300 28 400
65% of the total premium received
Exceeding 6 months up to 7 months 85% of the total premium received 71 80 rs 20 505 27 335 23 430 31 240
Exceeding 6 months up to 7 months 85% of the total premium received
C
85% of the total premium received ove 80 rs 22 555 30 070 25 775 34 365
Exceeding 7 months up to 9 months 100% of the total premium received Exceeding 7 months up to 9 months 100% of the total premium received
100% of the total premium received Exceeding 9 months up to 10 months 85% of the total premium received Premium Chart for Two Years in Rs cludin Ta
Exceeding 9 months up to 10 months 85% of the total premium received
Exceeding 10 months up to 12 months 100% of the total premium received um nsured Rs Rs
Exceeding 10 months up to 12 months 100% of the total premium received
Plan e and in Yrs il er Plan old Plan il er Plan old Plan
R
Exceeding 12 months up to 13 months 97.5% of the total premium received Exceeding 12 months up to 13 months 97.5% of the total premium received
Rate of premium to be retained 10 59 rs 27 203 36 265 31 092 41 447
Exceeding 13 months up to 15 months 100% of the total premium received Exceeding 13 months up to 15 months 100% of the total premium received
87.5% of the total premium received 60 rs 29 244 38 986 33 423 44 554
Exceeding 15 months up to 16 months 95% of the total premium received Exceeding 15 months up to 16 months 95% of the total premium received 61 64 rs 31 285 41 707 35 753 47 661
100% of the total premium received Exceeding 16 months up to 18 months 100% of the total premium received Exceeding 16 months up to 18 months 100% of the total premium received 65 rs 33 630 44 834 38 431 51 237
87.5% of the total premium received Exceeding 18 months up to 19 months 95% of the total premium received Exceeding 18 months up to 19 months 95% of the total premium received or Renewals only
100% of the total premium received Exceeding 19 months up to 21 months 100% of the total premium received Exceeding 19 months up to 21 months 100% of the total premium received 66 69 rs 35 975 47 961 41 109 54 812
Exceeding 21 months up to 22 months 92.5% of the total premium received Exceeding 21 months up to 22 months 92.5% of the total premium received 70 rs 37 775 50 359 43 164 57 553
C C R
85% of the total premium received
Exceeding 22 months 100% of the total premium received Exceeding 22 months up to 24 months 100% of the total premium received 71 79 rs 39 575 52 757 45 220 60 293
100% of the total premium received
Cancellation table applicable for Policy Term Exceeding 24 months up to 25 months 97.5% of the total premium received 80 rs 41 553 55 396 47 483 63 309
85% of the total premium received Years without instalment option ove 80 rs 43 531 58 035 49 746 66 324
Exceeding 25 months up to 27 months 100% of the total premium received
100% of the total premium received Period on risk Rate of premium to be retained Premium Chart for Three Years in Rs cludin Ta
Exceeding 27 months up to 28 months 97.5% of the total premium received
Up to one month 17.5% of the polic premium um nsured Rs Rs
Exceeding 28 months up to 30 months 100% of the total premium received
Exceeding one month up to 3 months 22.5% of the polic premium Plan e and in Yrs il er Plan old Plan il er Plan old Plan
Exceeding 30 months up to 31 months 95% of the total premium received
Rate of premium to be retained Exceeding 3 months up to 6 months 30% of the polic premium 10 58 rs 39 536 52 706 45 189 60 237
Exceeding 31 months up to 33 months 100% of the total premium received
Exceeding 6 months up to 9 months 37.5% of the polic premium 59 rs 41 514 55 343 47 447 63 248
17.5% of the polic premium
T R C R
Exceeding 33 months up to 34 months 95% of the total premium received 60 rs 43 492 57 979 49 705 66 259
Exceeding 9 months up to 12 months 42.5% of the polic premium
25% of the polic premium Exceeding 34 months 100% of the total premium received 61 63 rs 45 469 60 616 51 963 69 269
Exceeding 12 months up to 15 months 50% of the polic premium
37.5% of the polic premium ot ithstanding an thing contained herein or other ise no refunds of premium shall e 64 rs 47 741 63 645 54 557 72 734
Exceeding 15 months up to 18 months 57.5% of the polic premium made in respect of ancellation here an claim has een admitted or has een lodged or 65 rs 50 013 66 675 57 152 76 198
47.5% of the polic premium Exceeding 18 months up to 21 months 65% of the polic premium an enefit has een availed the insured person under the polic . or Renewals only
Exceeding 21 months up to 24 months 72.5% of the polic premium ii. he ompan ma cancel the polic at an time on grounds of misrepresentation 66 68 rs 52 285 69 704 59 747 79 662
57.5% of the polic premium non disclosure of material facts fraud the insured person giving 15 da s ritten
Exceeding 24 months up to 27 months 80% of the polic premium notice. here ould e no refund of premium on cancellation on grounds of 69 rs 54 029 72 028 61 738 82 317
67.5% of the polic premium
Exceeding 27 months up to 30 months 85% of the polic premium misrepresentation non disclosure of material facts or fraud 70 rs 55 773 74 351 63 730 84 973
80% of the polic premium Exceeding 30 months up to 33 months 92.5% of the polic premium Ø utomatic piry of the policy he insurance under this polic ith respect to each 71 78 rs 57 517 76 675 65 721 87 628
relevant insured person shall expire immediatel upon death of the insured person or on 79 rs 59 433 79 232 67 914 90 550
90% of the polic premium Exceeding 33 months ull of the polic premium
expir of the sum insured hichever shall first occur. 80 rs 61 350 81 789 70 106 93 472
ull of the polic premium Cancellation table applicable for Policy Term Years with instalment option of
Ø isclosure to information norms he polic shall ecome void and all premium paid ove 80 rs 63 267 84 346 72 299 96 394
alf yearly premium payment frequency
thereon shall e forfeited to the ompan in the event of mis representation mis description
Period on risk
Up to one month
Rate of premium to be retained
45% of the total premium received
or non disclosure of an material fact the polic holder. Ø Ta enefits a ment of premium an mode other than cash for this insurance is eligi le
for relief under ection 80 of the ncome ax ct 1961. tar Cardiac Care nsurance Policy
Rate of premium to be retained Ø The Company tar ealth and llied nsurance o. td. commenced its operations in nique P22 2 2 22
Exceeding one month up to 4 months 87.5% of the total premium received 2006 as ndia s first tandalone ealth nsurance provider. s an exclusive ealth nsurer Ø Prohibition of rebates ection 41 of nsurance ct 1938 o person shall allo or offer to
45% of the total premium received the ompan is providing sterling services in ealth ersonal ccident verseas ravel allo either directl or indirectl as an inducement to an person to ta e out or rene or
Exceeding 4 months up to 6 months 100% of the total premium received continue an insurance in respect of an ind of ris relating to lives or propert in ndia an
nsurance and is committed to setting international enchmar s in service and personal
87.5% of the total premium received Exceeding 6 months up to 7 months 65% of the total premium received caring. re ate of the hole or part of the commission pa a le or an re ate of the premium sho n
nsurance is the su ect matter of solicitation
Exceeding 7 months up to 10 months 85% of the total premium received on the polic nor shall an person ta ing out or rene ing or continuing a polic accept an
100% of the total premium received Ø tar d anta es re ate except such re ate as ma e allo ed in accordance ith the pu lished
Exceeding 10 months up to 12 months 100% of the total premium received  o hird art dministrator direct in house claims settlement prospectuses or ta les of the insurer. n person ma ing default in compl ing ith the
65% of the total premium received
Exceeding 12 months up to 15 months 90% of the total premium received  aster and hassle free claim settlement provisions of this section shall e lia le for a penalt hich ma extend to ten la hs rupees.
85% of the total premium received  ashless hospitali ation
Exceeding 15 months up to 18 months 100% of the total premium received The information provided in this brochure is only indicative.
100% of the total premium received Ø Claims Procedure For more details on the risk factors, terms and conditions,
Exceeding 18 months up to 21 months 90% of the total premium received

2 2
all the 24 hour help line for assistance 1800 425 2255 1800 102 4477 please read the policy wordings before concluding a sale.
90% of the total premium received Exceeding 21 months up to 24 months 100% of the total premium received  n case of planned hospitali ation inform 24 hours prior to admission in the hospital Or
Exceeding 24 months up to 27 months 95% of the total premium received  n case of emergenc hospitali ation information to e given ithin 24 hours after Visit Website: www.starhealth.in Buy this Insurance Online at www.starhealth.in STAR HEALTH AND ALLIED INSURANCE CO LTD
100% of the total premium received Call Toll-free: 1800-425-2255 / 1800-102-4477,
Exceeding 27 months up to 30 months 100% of the total premium received hospitali ation REGD & CORPORATE OFFICE: 1, New Tank Street,
C R
90% of the total premium received  ashless facilit herever possi le in net or hospital E E E E U E E sms STAR to 56677 « Fax Toll Free No: 1800-425-5522
Exceeding 30 months up to 33 months 92.5% of the total premium received U U E E E U . U E E Valluvar Ko am High Road, Nungambakkam, Chennai 600 034.
 n non net or hospitals pa ment must e made up front and then reim ursement ill Email : support@starhealth.in
100% of the total premium received Exceeding 33 months 100% of the total premium received U E E E UE E E E
R
e effected on su mission of documents CIN : U66010TN2005PLC056649 « IRDAI Regn. No: 129
585.00 mm