NRI All Care Policy (2009-10)
Most people working abroad are Health Insurance covered by their companies, but if their families back home in
STAR Health offers Star NRI All Care, to insure the health of family members of Non-Resident Indians. Star NRI All Care provides for financial help and assistance, should a medical emergency arise.
Special Features
- The insurance extends to cover Pre-Existing Diseases other than Cardio-Vascular diseases, Cancer and Renal complications
- There is no upper age limit for covering parents
- Out-Patient consultation services are made available
- No waiting period applicable
NRI All Care Benefits
- Hospitalization Cover - This would cover the insured person for in-patient hospitalization expenses provided the insured person is hospitalized for a minimum of 24 hours. These expenses include room rent up to a maximum of Rs.1000 per day.
- Boarding and nursing expenses.
- Surgeon’s fees, Consultant’s fees, Anesthetist's fees.
- Cost of blood, oxygen, diagnostic expenses, cost of pace makers artificial limbs etc
- Cost of medicines and drugs
Is cover offered for Out-Patient services also?
Yes. But such services are made available at Company’s cost. However cost of diagnostic tests at labs, if any, and cost of medicines will have to be borne by the Insured Person
What are the sum insured options available?
- The insurance is available for sum insured of Rs.1,00,000, Rs.2,00,000, Rs.3,00,000, Rs.4,00,000 and Rs.5,00,000
- The sum insured floats among all the family members covered under the insurance
Can the Insured Person take treatment in hospitals other than the named ones?
Yes. However if the Insured person chooses to take treatment in other hospitals that are not part of the network hospitals of the Company, then the company’s liability will be limited to 50% of the final admissible claim subject to the maximum of 50% of the sum insured.
How much to pay?
| Sum Insured (In Rs.) | Gross Premium in INR | Add Service Tax at 12.24% | Net Premium per Spouse (in Rs.) | Additional Premium per Child (Including S.T.) | Additional Premium per Adult (Including S.T.) |
| 100000/- | 1560/- | 191/- | 1751/- | 438/- | 875/- |
| 200000/- | 3020/- | 370/- | 3389/- | 678/- | 1695/- |
| 300000/- | 4240/- | 519/- | 4758/- | 952/- | 2379/- |
| 400000/- | 5310/- | 650/- | 5960/- | 1073/- | 2503/- |
| 500000/- | 6283/- | 769/- | 7052/- | 1269/- | 2821/- |
How to make a claim under the policy?
- Call the 24 hour help-line for assistance
- Inform the ID number for easy reference
- In case of planned hospitalization inform 24 hours prior to admission in the hospital
- In case of emergency hospitalization information to be given within 24 hours after hospitalization
- Cashless facility can be availed in all network hospitals
- In non-network hospitals payment must be made up-front and then reimbursement will be effected on submission of documents
Exclusions
- Expense incurred in the first two Years of continuous operation of Insurance cover on treatment Cataract, Hysterectomy for Menorrhagia or Fibromyoma, knee replacement surgery (other than caused by an accident) Joint Replacement. Surgery (other than caused by an accident), Prolapse of inter-vertebral disc (other than caused by accident), Varicose veins and Varicose ulcers, Cardio-Vascular Diseases, Cancer and Renal complications
- Expense incurred during the first year of operation of the Insurance on treatment of diseases such as Benign Prostate Hypertrophy, Hernia, Hydrocele, Fistula in anus, Piles, Sinusitis and related disorders, gallstones and renal stone removal
- Naturopathy treatment
- Expenses which are purely diagnostic in nature with no positive existence of any disease
- Expenses incurred for treatment of diseases/illness/accidental injuries by systems of medicines other than Allopathic
- Expenses which are cosmetic in nature Eligibility
- The Non-Resident Indian covering his/her family member aged 5 months and above can be covered provided
- Family member means spouse, children and parents of the Non-Resident Indian
- The insurance is to be purchased by the proposer namely the NRI
What are the unique features of this Insurance?
- The insurance extends to cover Pre-Existing Diseases other than Cardio-Vascular diseases, Cancer and Renal complications
- There is no upper age limit for covering parents
- Out-Patient consultation services are made available
No waiting period applicable for a detailed list of exclusions please refer
Dear Sir, I am Kiran Kothari , 57 years old. sufferinf from controlled diabities and hypothyroid from nearly 10years without any hospitalization. I am fit and having regular walk and exercise session.My medical insurance was covered by corporate policy of my executive son. Now I would like to have medical [health insurance]. policy. Please guide me accordingly. Kiran Kothari
The worst insurance firm ever.. My Father took Senior Citizen Red Carpet Policy [Coverage: 1 Lac; POLICY NO. 006908] from Star Health. On August 29, 2013 when he took policy, he declared that he has Asthma. In October 2013, due to the high blood pressure he was admitted at Sanjeevani Criticare Hospital, Kopar Khairane, Navi Mumbai from 03.10.2013 to 05.10.2013. He spent around Rs. 20,000/- in this process. I had submitted all the papers to Star Health Vashi Office. After which I had no clue on the status of my claim. Every time I called up the helpline, I was flooded with multiple numbers where I need to call and follow-up with each one you in order to have a clear visibility of my claim status. Every time there was a new story that I was hearing from customer support "that the claim in process", but today, I came to know that my Father???s claim has been rejected (claim # 0130102) and it was stated to me that it won???t cover under policy due to norms mentioned as "patient was symptomatic prior to inception of star policy". I do not understand the diagnosis/Analysis been done on this from which you had conclude to reject this normal claim?? I had copied this email to Dr. Sachin Gangavane Sir (Sanjeevani Criticare Hospital) under whose treatment my father???s health was stabilized. As I came to know from your representative that the claim has been rejected on the basis of description written on the indoor paper submitted by hospital, I am sure this is human error and as Health Insurance Company I feel you guys should verify all the medical bills and supporting documents submitted by client before taking such nasty decision. Irrespective of the Policy coverage and terms specified in it you should have thoroughly studied the case history of the client and follow the norms under the same prior you conclude on anything. This is really causing a pain for me to accept your decision under abnormal circumstances. Please let me know, did you find any medical history of my father related to high blood pressure?? On the basis of one note written on some paper how you guys deal with client???s problems before investigating further??? My father felt cheated now as his claim got rejected when he really need it. What is the legal way to handle this issue? Can anybody guide me further on this?
does it covers liposuction treatment
It may be the best .If so answre A senior citizen is issued policy five year back.she paye premium regularly and made bo claim.Can premium jump 100%.She has to pay rs 15000 instead of rs 7000 for sum assured of rs 300000.Is this not misselling.Can you punish Andheri mumbai advisor
This is really sad. We should certainly take some action as permitted by law. Maybe we can go to consumer court and file a petition. Freedom of common man cannot be curbed. Strict action against these demons is the need of the hour....
The worst insurance firm star health allied insurance Andheri Mumbai.The agent cheated us. We have paid regular premium for five years and no claim made but this year the premium is increased 100%. I had complained to all officers and IRDA but they are not afraid. They refuse to give formula of 100% increase There should be action against agent for mis selling. The firm is also refusing to give physical copies of policy if renewed online
These insurance companies know how to dupe people - even educated people. Friends, don't fall into this vicious trap. Also go for renowned companies and consult someone before even talking to these sidey agents.