Expenses incurred for treatment of any illness/

disease/ condition, which is pre-existing at the time of

commencement of insurance
Any expenses incurred for treatment of illness/
disease/ sickness contracted by the Insured Person
during the first 30 days from the commencement of
the policy
First Year Exclusions Hernia, Piles, Hydrocele,
Congenital Internal disease/ defect, Sinusitis, Gall
Stone / Renal Stone removal / treatment
Two Years Exclusions Hysterectomy, Cataract, Joint
Replacement Surgery, Prolapsed Intervertebral Disc,
Varicose veins / ulcers
Naturopathy treatment

Medi Premier

Exclusions

The company
STAR is an exclusive Health Insurance Company. Being the
first of its kind in India, the company is committed to setting
international benchmarks in service and personal caring.
Star advantage

All the safety you need

in your health plan.

No Third Party Administrator (TPA) and therefore faster and

hassle-free claim-settlement
Cashless Hospitalization
Large network of over 4000 hospitals across India
Doctor-on-call
24x7 Toll free Helpline
No-claim discounts
Knowledge-backed website

Expenses, which are purely diagnostic in nature with

no positive existence of any disease
Expenses that are cosmetic in nature
Expenses incurred for treatment by systems of
medicines other than Allopathic shall be limited
to 25% of Sum Insured, subject to a maximum of
Rs.25000/-in the entire policy period

To buy this insurance

Contact our marketing executive at

Eligibility
Any person aged between 26 years and 75 years can
take this insurance
Renewal Features
Renewal of policy under mutual consent
Where Claims ratio is 100% for immediately preceding
two consecutive years, a loading on the premium may
be imposed ranging from 20% to 50%

Buy this insurance online at www.starhealth.in

Call toll-free: 1800-425-2255 or sms STAR to 56677

Personal & Caring

Health
Insurance

The Health Insurance Specialist

STAR HEALTH AND ALLIED INSURANCE CO LTD

REGD & CORPORATE OFFICE: 1, New Tank Street, Valluvar Kottam High Road
Nungambakkam, Chennai 600 034. Tel: +91-044-2828 8800 Fax: +91-044-2826 0062

Personal & Caring

Health
Insurance

The Health Insurance Specialist

Premier

INSURANCE

During an illness and its diagnosis, sometimes a large

sum of money is required at a very short notice.
Caught unawares, sometimes it becomes difficult
to make arrangements for this money. A critical
situation like this gives rise to untold anxiety.
At Star health we understand this only too well.
Thats why we have Medi Premier Insurance, a policy
that provides an additional lump sum payment in
case of diagnosis. This money apart, the policy,
like other regular policies, also provides cover for
hospitalization due to illnesses and accidents.
Medi Premier benefits
The policy has two sections. While Section I offers
protection against unexpected health issues, Section
II ensures a lumpsum payment of 50% of the sum
insured when certain disorders are diagnosed.

A lump sum calculated at 7% of the specified hospitalisation

expenses payable towards Post-hospitalisation, subject to a
maximum of Rs.5000/-

Emergency ambulance charges for transporting

the insured patient at Rs.750/- per hospitalisation
and Rs.1500/-per policy period
Pre-hospitalisation expenses upto 30 days prior to
date of admission into the hospital

46 - 55
yrs

56 - 65
yrs

66 - 70
yrs

71 - 75
yrs

1488

1700

3107

4104

5723

6133

2231

2525

4390

5856

8481

9125

Lump-Sum Compensation is provided for 50% of sum

insured under Section II in addition to payment of
hospitalisation under Section I

200000

2950

3275

5807

6800

11041

12010

250000

3544

4000

7102

9252

13557

14811

300000

4200

4650

7870

10300

15983

17556

350000

4794

5325

9438

12848

18380

20236

400000

5375

5800

10992

14101

20626

22802

Such hospitalisation expenses would be paid only till the

date of diagnosis of the Major Illness
On entitlement for payment of lump-sum under this
section, all further benefits under the policy of insurance
shall cease and the policy automatically terminates
Only one lump sum payment will be made during the
Insured Persons lifetime regardless of the number of the
Major illness incapacities or treatments suffered by the
Insured Person
Survival Period - To become eligible for lump sum
compensation, the diagnosis should be 90 days from the
commencement date of the policy. In case of detection of
major illness, the insured person must survive beyond 30
successive days from such date of detection to be eligible
for a claim under this policy
Specified Major Illnessess
Renal Failure

Cost of medicines and drugs

36 - 45
yrs

150000

Hospitalisation cover in-patient hospitalisation

expenses are covered which includes room rent
at 2% of Sum Insured subject to a maximum of
Rs.4,000/-

Cost of blood, oxygen, diagnostic expenses, cost of

pace-makers, artificial limbs, etc

26 - 35
yrs

100000

Stroke

Surgeons fees, Consultants fees, Anesthetists fees

Sum
Insured
(in Rs)

Section II

Section I

Boarding an d nursing expenses

How much to pay

Can this policy be taken by a Group

Yes. All Group Policies are eligible for a discount on the basic
premium as per the following scale (based on the group size)
Group Size

% of discount on Premium
(excluding add-on covers & service tax)

Upto 500 Persons

NIL

501 - 1000

2.5%

1001 - 3000

5.0%

3001 - 7000

7.5%

7001 - 10000

10%

> 10000

IT Benefit
Premium paid by cheque is eligible upto Rs.10000/- for relief
under Section 80-D of the Income Tax Act

Cancer
Claim Procedure
Call 24 hour help-line for assistance
Inform ID number for easy reference
For planned hospitalisation, please inform 24 hours prior to
admission to the hospital
For emergency hospitalisation, information to be given
within 24 hours after hospitalisation
Cashless facility can be availed in all network hospitals
For treatment in non-network hospitals, payment must be
made up-front and then reimbursement will be effected on
submission of documents