Star Netplus Policy (2009-10)
This policy fills the gap where all other policies and insurers treat HIV as exclusion.
Unique Benefits
- Complete confidentiality of the covered persons ensured.
- No bills/receipts. Lump sum is paid at one go once the claim is made.
- Facilitates better health care at the critical stage (AIDS) with financial support.
- This
policy fills the gap where all other policies and insurers treat HIV as exclusion. - Extension of medical cover for hospitalization as an option.
Who can apply for it?
- The policy will have to be proposed by governmental agencies, NGOs, societies or other registered bodies serving the cause of persons infected with HIV. The benefits-when payable, will be paid to the proposer who applies for it, for the benefit of the respective covered persons.
- The HIV Care Policy can be issued to a group of persons already infected with HIV.
- Covered patients must be members/beneficiaries of the proposer and availing its treatment/services.
- There is no age limit for the applicants.
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The Application Procedure
- Since the policy is for those already infected with HIV, there is a pre-insurance medical test. Cover is provided only for persons whose CD4 count is more than 350.
- Tests include CD4 or any other test as required.
- Cost of Pre-insurance Medical Tests will be borne by Star Health
Premium Details
| Insured Amount (Rs.) | Premium (Rs.) |
| 30,000/- | 2,500/- |
| 50,000/- | 4,000/- |
| 8,000/- | |
| Note:*Group discounts will be considered based on size and profile. *Service Tax will be applicable on premium. | |
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Additional Health Cover under HIV Care Policy (optional)
| Insured Amount (Rs.) | Premium (Rs.) |
| 30,000/- | 390/- |
| 50,000/- | 650/- |
| Note: *Service Tax will be applicable on premium. | |
Exclusions
- Expenses incurred in treating HIV.
- All medical conditions that existed prior to the commencement of cover, except those specifically covered.
- AIDS confirmation within 90 days of commencement of the policy.
