True Value Policy (2009-10)
Star True Value Health Insurance is designed to offer
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
Family members can be covered under a single
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.
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.