True Value Policy (2009-10)

Star True Value Health Insurance is designed to offer health insurance to the masses. The premiums are very economical, making it within the reach of the common man. Star True Value is available in various options ranging from a minimum sum assured of Rs. 30,000 to a maximum of Rs. 80,000. However, the premium would depend on the age of the person proposed for the insurance.

True Value 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 and boarding expenses up to a maximum of 2% of the sum insured per day
Nursing expenses
Surgeon's fees, Consultant's fees, Anesthetist fees.
Cost of blood, oxygen, operation theatre charges, diagnostic expenses, cost of pace makers.
Cost of medicines and drugs.
However, for Cataract surgery the cover is limited to Rs.20,000/-

Special Feature

Cumulative Bonus ranging from 5% every claim free year of insurance up to 10 claim free years of continuous insurance.

Family members can be covered under a single policy.

Yes. Family would mean the proposer, spouse & dependent children up to 25 years of age and dependent parents.

A discount of 10% on the premium is available if 2 persons are covered and 15% discount on the premium is available if more than 2 persons are covered.

Premium Table

Sum Insured (in INR)	5 Months - 25 Yrs	26 Yrs - 35 Yrs	36 Yrs - 45 Yrs	46 Yrs - 55 Yrs
30000/-	340/-	375/-	475/-	0
40000/-	400/-	450/-	525/-	0
60000/-	550/-	620/-	700/-	1275/-
70000/-	600/-	710/-	900/-	1515/-
80000/-	660/-	850/-	1005/-	1800/-

Premium in INR (Excluding Service Tax) Group policy is not admissible under this plan.

Group policy is not admissible under this plan.

IT Benefit

Premium paid by cheque /credit card for this insurance is eligible for relief under section 80D of the IT Act.

Claim Procedure

Call the Star Health 24 hour help-line to register the details of hospitalization.
Kindly mention your Star Health ID number for easy access to your policy details.
In case of a planned hospitalization, please register 24 hours prior to admission to the hospital
In case of emergency hospitalization, please register within 24 hours of hospitalization
In all network hospitals, the cashless facility on payments can be availed
For treatment in non-network hospitals, payments must be made up-front to the hospital. Reimbursement of the expenses will be effected by Star Health, on submission of the necessary documents.

Exclusions

All expenses incurred in connection with treatment of any illness/ disease/ condition, which is pre-existing at the time of commencement of insurance.
Treatment of illness/ disease/ sickness contracted by the Insured Person during the first 30 days from the commencement of the policy.
Expenses 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), Prolapsed Inter-vertebral Disc (other than caused by an accident), Varicose veins / ulcers.
Expenses 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, Gall Stone / Renal Stone removal.

Naturopathy treatment
Expenses, which are purely diagnostic in nature with no positive existence of any disease.
Expenses incurred for treatment of disease/illness/accidental injuries by systems of medicines other than allopathic.
Expenses incurred for treatment of congenital diseases/defect/anomalies.
Expenses which are cosmetic in nature.

Eligibility

Any person aged between 5 months and 55 (age at entry) years can take this insurance.