Senior Citizens Red Carpet Health InsurancePolicy

STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED
Regd. & Corporate Office: 1, New Tank Street, Valluvar Kottam High Road, Nungambakkam,
Chennai - 600 034. « Phone : 044 - 28288800 « Email : [email protected]
Website : www.starhealth.in « CIN : L66010TN2005PLC056649 « IRDAI Regn. No. : 129
SENIOR CITIZENS RED CARPET HEALTH INSURANCE POLICY

Unique Identification No.: SHAHLIP22199V062122
PREAMBLE Hospitalization: Hospitalization means admission in a Hospital for a minimum period of

The proposal, declaration and other documents if any given by the proposer shall be the 24 consecutive 'In-patient Care' hours except for specified procedures/ treatments, where
basis of this Contract and is deemed to be incorporated herein. such admission could be for a period of less than 24 consecutive hours.
Illness: Illness means a sickness or a disease or pathological condition leading to the
1. DEFINITIONS impairment of normal physiological function and requires medical treatment;
STANDARD DEFINITIONS (a) Acute condition - Acute condition is a disease, illness or injury that is likely to
respond quickly to treatment which aims to return the person to his or her state of
Accident: An accident means sudden, unforeseen and involuntary event caused by
health immediately before suffering the disease/ illness/ injury which leads to full
external, visible and violent means.
recovery
Any one illness: Any one illness means continuous period of illness and includes relapse (b) Chronic condition - A chronic condition is defined as a disease, illness, or injury that
within 45 days from the date of last consultation with the Hospital/Nursing Home where has one or more of the following characteristics;
treatment was taken. 1. It needs ongoing or long-term monitoring through consultations, examinations,
Cashless facility: Cashless facility means a facility extended by the insurer to the insured check-ups, and /or tests
where the payments, of the costs of treatment undergone by the insured in accordance 2. it needs ongoing or long-term control or relief of symptoms
with the policy terms and conditions, are directly made to the network provider by the 3. it requires rehabilitation for the patient or for the patient to be specially trained to
insurer to the extent pre-authorization is approved. cope with it
Condition Precedent: Condition Precedent means a policy term or condition upon which 4. it continues indefinitely
the Insurer's liability under the policy is conditional upon. 5. it recurs or is likely to recur
Congenital Anomaly: Congenital Anomaly means a condition which is present since birth, Injury: Injury means accidental physical bodily harm excluding illness or disease solely
and which is abnormal with reference to form, structure or position. and directly caused by external, violent, visible and evident means which is verified and
a) Internal Congenital Anomaly: Congenital anomaly which is not in the visible and certified by a Medical Practitioner.
accessible parts of the body
Intensive Care Unit: Intensive care unit means an identified section, ward or wing of a
b) External Congenital Anomaly: Congenital anomaly which is in the visible and
hospital which is under the constant supervision of a dedicated medical practitioner(s), and
accessible parts of the body
which is specially equipped for the continuous monitoring and treatment of patients who
Co-Payment: Co-payment means a cost sharing requirement under a health insurance are in a critical condition, or require life support facilities and where the level of care and
policy that provides that the policyholder/insured will bear a specified percentage of the supervision is considerably more sophisticated and intensive than in the ordinary and other
admissible claims amount. A co-payment does not reduce the Sum Insured. wards.
Day Care Centre: A day care centre means any institution established for day care treatment ICU Charges: ICU (Intensive Care Unit) Charges means the amount charged by a
of illness and/or injuries or a medical setup with a hospital and which has been registered with Hospital towards ICU expenses which shall include the expenses for ICU bed, general
the local authorities, wherever applicable, and is under supervision of a registered and medical support services provided to any ICU patient including monitoring devices, critical
qualified medical practitioner AND must comply with all minimum criterion as under – care nursing and intensivist charges.
i) has qualified nursing staff under its employment;
Medical Advice: Medical Advice means any consultation or advice from a Medical
ii) has qualified medical practitioner/s in charge;
Practitioner including the issuance of any prescription or follow-up prescription.
iii) has fully equipped operation theatre of its own where surgical procedures are carried out;
iv) maintains daily records of patients and will make these accessible to the insurance Medical Expenses: Medical Expenses means those expenses that an Insured Person
company's authorized personnel. has necessarily and actually incurred for medical treatment on account of Illness or
Accident on the advice of a Medical Practitioner, as long as these are no more than would
Day Care Treatment: Day care treatment means medical treatment, and/or surgical have been payable if the Insured Person had not been insured and no more than other
procedure which is: hospitals or doctors in the same locality would have charged for the same medical
i. Undertaken under General or Local Anesthesia in a hospital/day care centre in less treatment.
than 24 hrs because of technological advancement, and
ii. which would have otherwise required hospitalization of more than 24 hours Medical Practitioner: Medical Practitioner means a person who holds a valid registration
from the Medical Council of any State or Medical Council of India or Council for Indian
Treatment normally taken on an out-patient basis is not included in the scope of this definition Medicine or for Homeopathy set up by the Government of India or a State Government and
Dental Treatment: Dental treatment means a treatment related to teeth or structures is thereby entitled to practice medicine within its jurisdiction; and is acting within its scope
supporting teeth including examinations, fillings (where appropriate), crowns, extractions and jurisdiction of license.
and surgery. Medically Necessary Treatment: Medically necessary treatment means any treatment,
Disclosure to information norm: The policy shall be void and all premium paid thereon tests, medication, or stay in hospital or part of a stay in hospital which:
shall be forfeited to the Company in the event of misrepresentation, mis-description or non- i) is required for the medical management of the illness or injury suffered by the insured;
disclosure of any material fact. ii) must not exceed the level of care necessary to provide safe, adequate and
Grace Period: Grace period means the specified period of time immediately following the appropriate medical care in scope, duration, or intensity;
premium due date during which a payment can be made to renew or continue a policy in iii) must have been prescribed by a medical practitioner;
force without loss of continuity benefits such as waiting periods and coverage of pre-existing iv) must conform to the professional standards widely accepted in international medical
diseases. Coverage is not available for the period for which no premium is received. practice or by the medical community In India.
Hospital: A hospital means any institution established for in-patient care and day care Migration: “Migration” means, the right accorded to health insurance policyholders
treatment of illness and/or injuries and which has been registered as a hospital with the (including all members under family cover and members of group health insurance policy),
local authorities under Clinical Establishments (Registration and Regulation) Act 2010 or to transfer the credit gained for pre-existing conditions and time bound exclusions, with the
under enactments specified under the Schedule of Section 56(1) of the said act Or same insurer.
complies with all minimum criteria as under:
i) has qualified nursing staff under its employment round the clock; Network Provider: Network Provider means hospitals or health care providers enlisted by
an insurer, TPA or jointly by an Insurer and TPA to provide medical services to an insured by
ii) has at least 10 in-patient beds in towns having a population of less than 10,00,000 and
a cashless facility.
at least 15 in-patient beds in all other places;
iii) has qualified medical practitioner(s) in charge round the clock; Non-Network Provider: Non-Network means any hospital, day care centre or other
iv) has a fully equipped operation theatre of its own where surgical procedures are carried out; provider that is not part of the network.
v) maintains daily records of patients and makes these accessible to the insurance Notification of Claim: Notification of claim means the process of intimating a claim to the
company's authorized personnel; insurer or TPA through any of the recognized modes of communication.
Senior Citizens Red Carpet Health Insurance Policy Unique Identification No.: SHAHLIP22199V062122 POL / SCRC / V.19 / 2023 1 of 11
OPD treatment: OPD treatment means the one in which the Insured visits a clinic / hospital That if during the period stated in the Schedule the insured person shall contract any
or associated facility like a consultation room for diagnosis and treatment based on the disease or suffer from any illness or sustain bodily injury through accident and if such
advice of a Medical Practitioner. The Insured is not admitted as a day care or in-patient. disease, illness or injury shall require the insured Person/s, upon the advice of a duly
Qualified Physician/Medical Specialist / Medical Practitioner or of duly Qualified Surgeon
Pre-Existing Disease: Pre-existing Disease means any condition, ailment, injury or disease:
a) That is/are diagnosed by a physician within 48 months prior to the effective date of the to incur Hospitalization expenses for medical/surgical treatment at any Hospital / Nursing
policy issued by the insurer or its reinstatement Home in India as an in-patient, the Company will pay to the Insured Person/s the amount
of such expenses as are reasonably and necessarily incurred up-to the limits indicated but
or
not exceeding the sum insured stated in the schedule hereto.
b) For which medical advice or treatment was recommended by, or received from, a
Physician within 48 months Prior to the effective date of the policy issued by the A. Room, Boarding, Nursing Expenses all inclusive as provided by the Nursing Home /
insurer or its reinstatement Hospital as per the table given below;
Pre-hospitalization Medical Expenses: Pre-hospitalization Medical Expenses means Sum Insured Room Rent Limit (per day)
medical expenses incurred during pre-defined number of days preceding the Rs.1,00,000/- to Rs.5,00,000/- Up to 1% of the sum insured.
hospitalization of the Insured Person, provided that:
i. Such Medical Expenses are incurred for the same condition for which the Insured Rs.7,50,000/- and Rs.10,00,000/- Up to Rs.6,000/-
Person's Hospitalization was required, and Rs.15,00,000/- Up to Rs.7,000/-
ii. The In-patient Hospitalization claim for such Hospitalization is admissible by the Rs.20,00,000/- Up to Rs.8,500/-
Insurance Company
Rs.25,00,000/- Up to Rs.10,000/-
Portability: “Portability” means, the right accorded to individual health insurance
policyholders (including all members under family cover), to transfer the credit gained for B. ICU charges as per the table given below;
pre- existing conditions and time bound exclusions, from one insurer to another insurer.
Sum Insured Limit (per day)
Post-hospitalization Medical Expenses: Post-hospitalization Medical Expenses means
medical expenses incurred during pre-defined number of days immediately after the Rs.1,00,000/- to Rs.10,00,000/- Up to 2% of the sum insured.
insured person is discharged from the hospital provided that: Rs.15,00,000/- to Rs.25,00,000/- Actuals
i. Such Medical Expenses are for the same condition for which the insured person's
hospitalization was required, and
ii. The inpatient hospitalization claim for such hospitalization is admissible by the C. Surgeon, Anaesthetist, Medical Practitioner, Consultants, Specialist Fees subject to a
insurance company. maximum of 25% of the sum insured per hospitalisation
Qualified Nurse: Qualified nurse means a person who holds a valid registration from the D. Anaesthesia, Blood, Oxygen, Operation Theatre charges, Surgical Appliances,
Nursing Council of India or the Nursing Council of any state In India. Medicines and Drugs, Diagnostic Materials and X-ray, Dialysis, Chemotherapy,
Radiotherapy, cost of Pacemaker and similar expenses subject to a maximum of 50%
Reasonable and Customary Charges: Reasonable and Customary charges means the of the sum insured per hospitalisation. With regard to coronary stenting, the company
charges for services or supplies, which are the standard charges for the specific provider will pay such amount up to the extent of cost of bare metal stent/drug eluting cobalt-
and consistent with the prevailing charges in the geographical area for identical or similar chromium stent/drug eluting stainless steel stent
services, taking into account the nature of the illness / injury involved.
E. Emergency ambulance charges as per the table given below is payable for
Renewal: Renewal means the terms on which the contract of insurance can be renewed transportation of the insured person by private ambulance service when this is
on mutual consent with a provision of grace period for treating the renewal continuous for needed for medical reasons to go to hospital for treatment provided such
the purpose of gaining credit for pre-existing diseases, time-bound exclusions and for all hospitalisation claim is admissible under the Policy;
waiting periods.
Limit per hospitalisation Limit per policy period
Room Rent: Room Rent means the amount charged by a Hospital towards Room and Sum Insured (Rs.)
(Rs.) (Rs.)
Boarding expenses and shall include the associated medical expenses.
1,00,000/- to 4,00,000/- 600/- 1,200/-
Surgery or Surgical Procedure: Surgery or Surgical Procedure means manual and / or
operative procedure(s) required for treatment of an illness or injury, correction of 5,00,000/- to 10,00,000/- 1,000/- 2,000/-
deformities and defects, diagnosis and cure of diseases, relief from suffering and
prolongation of life, performed in a hospital or day care centre by a medical practitioner. 15,00,000/- to 25,00,000/- 1,500/- 3,000/-
Unproven/Experimental treatment: Unproven/Experimental treatment means the
treatment including drug experimental therapy which is not based on established medical F. Pre-hospitalisation medical expenses incurred for a period not exceeding 30 days
practice in India, is treatment experimental or unproven. prior to the date of hospitalisation, for disease/illness, injury sustained following an
SPECIFIC DEFINITIONS admissible claim for hospitalisation under the policy
All Other Major Surgery: All Other Major Surgery means Intestinal obstruction – acute / sub G. Post-Hospitalization: Wherever recommended by the treating medical practitioner,
acute / chronic, Bilo Pancreatic surgery, Gastro-Intestinal surgeries, Total Knee Post Hospitalization medical expenses equivalent to 7% of the hospitalization
Replacement surgery, Total Hip Replacement surgery, Other major surgeries of joints, Hemi- expenses comprising of Nursing Charges, Surgeon / Consultant fees, Diagnostic
Orthro Plasty surgeries, Surgeries on Prostrate, Surgery related to Genito-Urinary Tract. charges, Medicines and drugs expenses, subject to a maximum as per the table given
Associated medical expenses: Associated medical expenses means medical expenses below;
such as Professional fees, OT charges, Procedure charges, etc., which vary based on the Sum Insured (Rs.) Limits per occurrence (Rs.)
room category occupied by the insured person whilst undergoing treatment in some of the
hospitals. If Policy Holder chooses a higher room category above the eligibility defined in 1,00,000/- to 7,50,000/- 5,000/-
policy, then proportionate deduction will apply on the Associated Medical Expenses in addition 10,00,000/- and 15,00,000/- 7,000/-
to the difference in room rent. Such associated medical expenses do not include Cost of
pharmacy and consumables, Cost of implants and medical devices and Cost of diagnostics. 20,00,000/- and 25,00,000/- 10,000/-
Company: Company means Star Health and Allied Insurance Company Limited. Important Note
1. Expenses falling under 2A to 2G and 2J are payable only where the in-patient
Diagnosis: Diagnosis means Diagnosis by a registered medical practitioner, supported hospitalization is for a minimum period of 24 hours. However this time limit will
by clinical, radiological and histological, histo-pathological and laboratory evidence and not apply for the day care treatments / procedures, where treatment is taken in
also surgical evidence wherever applicable, acceptable to the Company. the Hospital / Nursing Home and the Insured is discharged on the same day. All
Family: Family means Self and Spouse. day care procedures are covered under this policy
2. Expenses relating to the hospitalization will be considered in proportion to
Insured Person: Insured Person means the name/s of persons shown in the schedule of the room rent limit stated in the policy or actuals whichever is less
the Policy.
H. Expenses on Medical Consultations as an Out Patient incurred in a Network
In-Patient: In-Patient means an Insured Person who is admitted to Hospital and stays Hospital up to the limits mentioned in the table given below with a limit of Rs.200/- per
there for a minimum period of 24 hours for the sole purpose of receiving treatment. consultation. Payment under this benefit will not reduce the sum insured and is
Instalment: Instalment means Premium amount paid through Quarterly / Half-yearly payable only when the policy is in force
mode by the Policy Holder/ Insured. For Policy with
Sum Insured: Sum Insured means the Sum Insured opted for and for which the premium is Limit per person per policy Sum Insured on Floater Basis
Sum Insured
paid. period for policy with
(Rs.) Limit Per Limit Per Policy
Sum Insured on Individual Basis
Person Rs. Period Rs.
2. COVERAGE
1,00,000
In consideration of the premium paid, subject to the terms, conditions, exclusions and Not Available Not Available
definitions contained herein the Company agrees as under. 2,00,000
For Policy with J. Coverage for Modern Treatments: The expenses payable during the entire policy
Limit per person per policy Sum Insured on Floater Basis period for the following treatment / procedure (either as a day care or as in-patient
Sum Insured
period for policy with exceeding 24hrs of admission in the hospital) is limited to the amount mentioned in
(Rs.) Limit Per Limit Per Policy
Sum Insured on Individual Basis table below;
Person Rs. Period Rs.
haematological
3,00,000 600
Hematopoietic
stem cells for
transplant for
bone marrow
conditions
theraphy:
Stem cell
1,50,000
2,00,000
2,25,000
2,75,000
3,00,000
3,50,000
4,00,000
4,50,000
5,00,000
4,00,000 800
75,000
Not Available
5,00,000 1,000
7,50,000 1,200
10,00,000 1,400 1,400 2,400
15,00,000 1,800 1,800 3,000
Monitoring)
IONM-(Intra
Operative
1,20,000
1,50,000
2,00,000
2,25,000
2,50,000
2,75,000
3,00,000
3,25,000
3,50,000
20,00,000 2,200 2,200 3,800
60,000
Neuro
25,00,000 2,600 2,600 4,400
Note: Payment of any claim under Out Patient Medical Consultations shall not be
construed as a waiver of Company's right to repudiate any claim on grounds of non
disclosure of material fact or pre-existing disease, for hospitalization expenses under
Vaporisation of
holmium laser
(Green laser
treatment or
the prostate
hospitalization provisions of the policy contract.
treatment)
1,20,000
1,50,000
2,00,000
2,25,000
2,50,000
2,75,000
3,00,000
3,25,000
3,50,000
60,000
I. Cost of Health Checkup: Expenses incurred towards cost of health check-up up to
the limits mentioned in the table given below for every claim free year provided the
health check-up is done at network hospitals and the policy is in force
Limit per person For Policy with
per policy period
Thermoplasty
Sum Insured on Floater Basis
Bronchical
Sum Insured (Rs.) for policy with
1,20,000
1,50,000
2,00,000
2,25,000
2,50,000
2,75,000
3,00,000
3,25,000
3,50,000
60,000
Sum Insured on Limit Per Limit Per Policy
Individual Basis Rs. Person Rs. Period Rs.
5,00,000 and 7,50,000 1,000 NA
10,00,000 and 15,00,000 2,000 2,000 3,500
radio surgeries
20,00,000 and 25,00,000 2,500 2,500 4,500
Stereotactic
1,20,000
1,50,000
2,00,000
2,25,000
2,50,000
2,75,000
3,00,000
3,25,000
3,50,000
60,000
Note
1. Applicable for Policy with sum insured on Floater Basis: If a claim is made
by any of the insured persons, the health check up benefits will not be available
On Individual Basis: Limit per person per policy period (Rs.)
under the policy

2. Payment of expenses towards cost of health check up will not prejudice the
company's right to deal with a claim in case of non disclosure of material fact and
surgeries
1,20,000
1,50,000
2,00,000
2,25,000
2,50,000
2,75,000
3,00,000
3,25,000
3,50,000
Robotic
60,000
/ or Pre-Existing Diseases in terms of the policy
The expenses payable during the entire policy period for treatment of the following
diseases / conditions (either as a day care or as an in-patient exceeding 24hrs of
admission in the hospital) is limited to the amount mentioned in table below;
For Policy with Sum Insured on Individual Basis
Intra Vitreal
injections
1,00,000
Cerebro vascular Accident, Cardio
10,000
15,000
20,000
25,000
30,000
40,000
50,000
60,000
75,000
vascular Diseases, Cancer (Including All other
Cataract Chemotherapy / Radiotherapy) Medical major
Sum Insured Renal Diseases (Including Dialysis) surgeries
(Rs.)
Treatment of Breakage of Long Bones
Immunotherapy-
Antibody to be
*Sublimit all inclusive with or without hospitalization where ever hospitalization includes pre and post hospitalization
Monoclonal
Limit per person, per policy period for each

injection
given as
1,50,000
2,00,000
2,25,000
2,75,000
3,00,000
3,50,000
4,00,000
4,50,000
5,00,000
75,000
diseases / Condition Rs.

1,00,000 15,000 75,000 60,000
2,00,000 15,000 1,50,000 1,20,000
3,00,000 18,000 2,00,000 1,50,000
Hospitalisation)
Chemotherapy*
including Pre
4,00,000 20,000 2,25,000 2,00,000

(Sublimits
and Post
1,50,000
2,00,000
2,25,000
2,75,000
3,00,000
3,50,000
4,00,000
4,50,000
5,00,000
75,000
5,00,000 21,500 2,75,000 2,25,000

Oral
7,50,000 23,000 3,00,000 2,50,000

10,00,000 25,000 3,50,000 2,75,000
15,00,000 30,000 4,00,000 3,00,000
20,00,000 35,000 4,50,000 3,25,000
Stimulation
Deep Brain
1,20,000
1,50,000
2,00,000
2,25,000
2,50,000
2,75,000
3,00,000
3,25,000
3,50,000
60,000
25,00,000 40,000 5,00,000 3,50,000

For Policy with Sum Insured on Floater Basis
Cerebro vascular Accident,
Cardio vascular Diseases,
Cancer (Including All other
Sinuplasty
1,20,000
1,50,000
2,00,000
2,25,000
2,50,000
2,75,000
3,00,000
3,25,000
3,50,000
Balloon
Cataract Chemotherapy / Radiotherapy) major

60,000
Sum Medical Renal Diseases surgeries

Insured (Including Dialysis) Treatment
(Rs.) of Breakage of Long Bones
Limit per Limit per
Limit per Limit per Limit per Limit per
Uterine artery
Embolization
policy policy
and HIFU
1,20,000
1,50,000
2,00,000
2,25,000
2,50,000
2,75,000
3,00,000
3,25,000
3,50,000
person person policy period person

60,000
period period
10,00,000 25,000 45,000 3,50,000 6,00,000 2,75,000 4,50,000
15,00,000 30,000 50,000 4,00,000 7,00,000 3,00,000 5,00,000
20,00,000 35,000 60,000 4,50,000 7,50,000 3,25,000 5,50,000
Sum Insured
25,00,000 40,000 70,000 5,00,000 8,50,000 3,50,000 6,00,000

10,00,000
15,00,000
20,00,000
25,00,000
1,00,000
2,00,000
3,00,000
4,00,000
5,00,000
7,50,000
in Rs.
Note: The limits are applicable for treatment of each disease / condition
Note: Company’s liability in respect of all claims admitted during the period of
insurance shall not exceed the Sum Insured mentioned in the policy schedule.
K. Co-payment: This policy is subject to co-payment of 30% for all claims.
Stem cell theraphy:
stem cells for bone
for haematological
2,75,000 4,50,000 2,75,000 4,50,000 2,75,000 4,50,000 2,75,000 4,50,000 2,75,000 4,50,000 3,50,000 6,00,000
3,00,000 5,00,000 3,00,000 5,00,000 3,00,000 5,00,000 3,00,000 5,00,000 3,00,000 5,00,000 4,00,000 7,00,000
3,25,000 5,50,000 3,25,000 5,50,000 3,25,000 5,50,000 3,25,000 5,50,000 3,25,000 5,50,000 4,50,000 7,50,000
3,50,000 6,00,000 3,50,000 6,00,000 3,50,000 6,00,000 3,50,000 6,00,000 3,50,000 6,00,000 5,00,000 8,50,000
marrow transplant
Period
Policy
Limit
Hematopoietic
Per
conditions
3. EXCLUSIONS
The Company shall not be liable to make any payments under this policy in respect of any
Person
expenses what so ever incurred by the insured person in connection with or in respect of;
Limit
Per
STANDARD EXCLUSIONS
1. Pre-Existing Diseases - Code Excl 01
Period
Policy
Operative Neuro
Limit
A. Expenses related to the treatment of a pre-existing Disease (PED) and its direct
Per
Monitoring)
IONM-(Intra
complications shall be excluded until the expiry of 12 months of continuous

coverage after the date of inception of the first policy with insurer
Person
B. In case of enhancement of sum insured the exclusion shall apply afresh to the
Limit
Per
extent of sum insured increase
C. If the Insured Person is continuously covered without any break as defined under
the portability norms of the extant IRDAI (Health Insurance) Regulations, then
Period
Policy
Limit
Vaporisation of
holmium laser
waiting period for the same would be reduced to the extent of prior coverage
Per
treatment or
the prostate
(Geen laser
treatment)
D. Coverage under the policy after the expiry of 12 months for any pre-existing
disease is subject to the same being declared at the time of application and
Person
accepted by Insurer
Limit
Per
2. Specified disease / procedure waiting period - Code Excl 02

A. Expenses related to the treatment of following listed Conditions, surgeries/
Period
treatments shall be excluded until the expiry of 24 months of continuous

Policy
Limit
Thermoplasty
Per
coverage after the date of inception of the first policy with us. This exclusion shall
Bronchical
not be applicable for claims arising due to an accident

B. In case of enhancement of sum insured the exclusion shall apply afresh to the
Person
Limit
extent of sum insured increase

Per
C. If any of the specified disease/procedure falls under the waiting period specified
for pre-existing diseases, then the longer of the two waiting periods shall apply
Period
Policy
Limit
radio surgeries
D. The waiting period for listed conditions shall apply even if contracted after the
Per
Stereotactic
policy or declared and accepted without a specific exclusion

E. If the Insured Person is continuously covered without any break as defined under
Person
the applicable norms on portability stipulated by IRDAI, then waiting period for
Limit
Per
the same would be reduced to the extent of prior coverage

F. List of specific diseases/procedures;
i. Treatment of Cataract and diseases of the anterior and posterior chamber
Period
Policy
Limit
of the Eye, Diseases of ENT, and Diseases related to Thyroid, Benign

Per
surgeries
diseases of the breast

Robotic
ii. Subcutaneous Benign Lumps, Sebaceous cyst, Dermoid cyst, Mucous cyst
Person
lip / cheek, Carpal Tunnel Syndrome, Trigger Finger, Lipoma,

Limit
On Floater Basis
Per
Neurofibroma, Fibroadenoma, Ganglion and similar pathology

iii. All treatments (Conservative, Operative treatment) and all types of
intervention for Diseases related to Tendon, Ligament, Fascia, Bones and
injections
1,00,000
50,000
60,000
75,000
Vitreal
Joint Including Arthroscopy and Arthroplasty / Joint Replacement [other

Intra
than caused by accident]

iv. All types of treatment for Degenerative disc and Vertebral diseases
including Replacement of bones and joints and Degenerative diseases of
10,00,000 2,75,000 4,50,000 2,75,000 4,50,000 2,75,000 4,50,000 3,50,000 6,00,000 3,50,000 6,00,000
15,00,000 3,00,000 5,00,000 3,00,000 5,00,000 3,00,000 5,00,000 4,00,000 7,00,000 4,00,000 7,00,000
20,00,000 3,25,000 5,50,000 3,25,000 5,50,000 3,25,000 5,50,000 4,50,000 7,50,000 4,50,000 7,50,000
25,00,000 3,50,000 6,00,000 3,50,000 6,00,000 3,50,000 6,00,000 5,00,000 8,50,000 5,00,000 8,50,000
Period
Immunotherapy-
Policy
Limit
the Musculo-skeletal system, Prolapse of Intervertebral Disc (other than

to be given as
Per
Monoclonal
Antibody
caused by accident)
injection
v. All treatments (conservative, interventional, laparoscopic and open) related

*Sublimit all inclusive with or without hospitalization where ever hospitalization includes pre and post hospitalization
to Hepato-pancreato-biliary diseases including Gall bladder and Pancreatic

Person
Limit
Per
calculi. All types of management for Kidney and Genitourinary tract calculi.
vi. All types of Hernia
vii. Desmoid Tumor, Umbilical Granuloma, Umbilical Sinus, Umbilical Fistula
including Pre and
Period
Policy
Hospitalisation)
Chemotherapy*
Limit
Per
viii. All treatments (conservative, interventional, laparoscopic and open) related

(Sublimits
to all Diseases of Cervix, Uterus, Fallopian tubes, Ovaries, Uterine

Post
Oral
Bleeding, Pelvic Inflammatory Diseases

Person
ix. All Diseases of Prostate, Stricture Urethra, all Obstructive Uropathies

Limit
Per
x. Benign Tumours of Epididymis, Spermatocele, Varicocele, Hydrocele

xi. Fistula, Fissure in Ano, Hemorrhoids, Pilonidal Sinus and Fistula, Rectal
Prolapse, Stress Incontinence
Period
Policy
Limit
Per
xii. Varicose veins and Varicose ulcers

Stimulation
Deep Brain
xiii. All types of transplant and related surgeries

xiv. Congenital Internal disease / defect
Person
Limit
Per
3. 30-day waiting period - Code Excl 03

A. Expenses related to the treatment of any illness within 30 days from the first
policy commencement date shall be excluded except claims arising due to an
Period
Policy
Limit
accident, provided the same are covered

Per
Sinuplasty
B. This exclusion shall not, however, apply if the Insured Person has continuous
Balloon
coverage for more than twelve months

Person
C. The within referred waiting period is made applicable to the enhanced sum
Limit
Per
insured in the event of granting higher sum insured subsequently

4. Investigation & Evaluation - Code Excl 04
Embolization and
Period
Policy
A. Expenses related to any admission primarily for diagnostics and evaluation

Limit
Uterine artery
Per
purposes only are excluded

HIFU
B. Any diagnostic expenses which are not related or not incidental to the current
diagnosis and treatment are excluded
Person
Limit
Per
5. Rest Cure, rehabilitation and respite care - Code Excl 05: Expenses related to any
admission primarily for enforced bed rest and not for receiving treatment. This also
includes:
Insured
in Rs.
Sum
1. Custodial care either at home or in a nursing facility for personal care such as
help with activities of daily living such as bathing, dressing, moving around either
by skilled nurses or assistant or non-skilled persons
2. Any services for people who are terminally ill to address physical, social, 23. Injury/disease directly or indirectly caused by or arising from or attributable to war,
emotional and spiritual needs invasion, act of foreign enemy, warlike operations (whether war be declared or not) -
Code Excl 24
6. Obesity / Weight Control - Code Excl 06: Expenses related to the surgical treatment
of obesity that does not fulfill all the below conditions; 24. Injury or disease directly or indirectly caused by or contributed to by nuclear
A. Surgery to be conducted is upon the advice of the Doctor weapons/materials - Code Excl 25
B. The surgery/Procedure conducted should be supported by clinical protocols 25. Expenses incurred on Enhanced External Counter Pulsation Therapy and related
C. The member has to be 18 years of age or older and therapies, Chelation therapy, Hyperbaric Oxygen Therapy, Rotational Field Quantum
D. Body Mass Index (BMI); Magnetic Resonance Therapy, VAX-D, Low level laser therapy, Photodynamic
1. greater than or equal to 40 or therapy and such other similar therapies - Code Excl 26
2. greater than or equal to 35 in conjunction with any of the following severe 26. Unconventional, Untested, Experimental therapies - Code Excl 27
co-morbidities following failure of less invasive methods of weight loss:
27. Autologous derived Stromal vascular Fraction, Chondrocyte Implantation, Procedures
a. Obesity-related cardiomyopathy
using Platelet Rich plasma and Intra articular injection therapy - Code Excl 28
b. Coronary heart disease
c. Severe Sleep Apnea 28. Biologicals, except when administered as an in-patient, when clinically indicated and
d. Uncontrolled Type2 Diabetes hospitalization warranted - Code Excl 29
7. Change-of-Gender treatments - Code Excl 07: Expenses related to any treatment, 29. Inoculation or Vaccination (except for post–bite treatment and for medical treatment
including surgical management, to change characteristics of the body to those of the for therapeutic reasons) - Code Excl 31
opposite sex. 30. Hospital registration charges, admission charges, record charges, telephone charges
and such other charges - Code Excl 34
8. Cosmetic or plastic Surgery - Code Excl 08: Expenses for cosmetic or plastic
surgery or any treatment to change appearance unless for reconstruction following an 31. Cochlear implants and procedure related hospitalization expenses - Code Excl 35
Accident, Burn(s) or Cancer or as part of medically necessary treatment to remove a 32. Any hospitalizations which are not Medically Necessary - Code Excl 36
direct and immediate health risk to the insured. For this to be considered a medical
necessity, it must be certified by the attending Medical Practitioner. 33. Other Excluded Expenses as detailed in the website www.starhealth.in - Code Excl 37
9. Hazardous or Adventure sports - Code Excl 09: Expenses related to any treatment 34. Existing disease/s, disclosed by the insured and mentioned in the policy schedule
necessitated due to participation as a professional in hazardous or adventure sports, (based on insured's consent), for specified ICD codes - Code Excl 38
including but not limited to, para-jumping, rock climbing, mountaineering, rafting, 35. Expenses incurred for treatment of diseases/illness/accidental injuries by systems of
motor racing, horse racing or scuba diving, hand gliding, sky diving, deep-sea diving. medicine other than allopathy - Code Excl 39
10. Breach of law - Code Excl 10: Expenses for treatment directly arising from or Note: Exclusion Nos. 15, 17, 18, 29, 31 and 35 are not applicable for Coverage under (H)
consequent upon any Insured Person committing or attempting to commit a breach of
4. CONDITIONS
law with criminal intent.
11. Excluded Providers - Code Excl 11: Expenses incurred towards treatment in any STANDARD CONDITIONS
hospital or by any Medical Practitioner or any other provider specifically excluded by 1. Disclosure of Information: The policy shall be void and all premium paid thereon
the Insurer and disclosed in its website / notified to the policyholders are not shall be forfeited to the Company in the event of misrepresentation, mis description or
admissible. However, in case of life threatening situations or following an accident, non-disclosure of any material fact by the policyholder.
expenses up to the stage of stabilization are payable but not the complete claim. 2. Claim Settlement
12. Treatment for Alcoholism, drug or substance abuse or any addictive condition and A. Condition Precedent to Admission of Liability: The terms and conditions of
the policy must be fulfilled by the insured person for the Company to make any
consequences thereof - Code Excl 12
payment for claim(s) arising under the policy
13. Treatments received in health hydros, nature cure clinics, spas or similar B. Documents for Cashless Treatment
establishments or private beds registered as a nursing home attached to such a. For assistance call 24 hours help-line 044-69006900 or Toll Free No.
establishments or where admission is arranged wholly or partly for domestic reasons - 1800 425 2255. Senior Citizens may call at 044-40020888
Code Excl 13 b. Inform the ID number for easy reference
14. Dietary supplements and substances that can be purchased without prescription, c. On admission in the hospital, produce the ID Card issued by the Company
including but not limited to Vitamins, minerals and organic substances unless at the Hospital Helpdesk
prescribed by a medical practitioner as part of hospitalization claim or day care d. Obtain the Pre-authorisation Form from the Hospital Help Desk, complete
procedure - Code Excl 14 the Patient Information and resubmit to the Hospital Help Desk
e. The Treating Doctor will complete the hospitalisation/ treatment information
15. Refractive Error - Code Excl 15: Expenses related to the treatment for correction of and the hospital will fill up expected cost of treatment
eye sight due to refractive error less than 7. 5 dioptres. f. This form is submitted to the Company
16. Unproven Treatments - Code Excl 16: Expenses related to any unproven g. The Company will process the request and call for additional documents/
treatment, services and supplies for or in connection with any treatment. Unproven clarifications if the information furnished is inadequate
treatments are treatments, procedures or supplies that lack significant medical h. Once all the details are furnished, the Company will process the request as
documentation to support their effectiveness. per the terms and conditions of the policy as well as the exclusions therein
and either approve or reject the request based on the merits
17. Sterility and Infertility - Code Excl 17: Expenses related to sterility and infertility. i. In case of emergency hospitalization information is to be given within
This includes; 24 hours after hospitalization
a. Any type of contraception, sterilization j. Cashless facility can be availed only in networked Hospitals
b. Assisted Reproduction services including artificial insemination and advanced k. In non-network hospitals payment must be made up-front and then
reproductive technologies such as IVF, ZIFT, GIFT, ICSI reimbursement will be effected on submission of documents
c. Gestational Surrogacy l. KYC (Identity proof with Address) of the proposer, as per AML Guidelines
d. Reversal of sterilization Please note that denial of a Pre-authorization request is in no way to be construed as
denial of treatment or denial of coverage. The Insured Person can go ahead with the
18. Maternity - Code Excl 18
treatment, settle the hospital bills and submit the claim.
a. Medical treatment expenses traceable to childbirth (including complicated
deliveries and caesarean sections incurred during hospitalization) except C. For Reimbursement claims: Time limit for submission of;
ectopic pregnancy Sl.No. Type of Claim Prescribed time limit
b. Expenses towards miscarriage (unless due to an accident) and lawful medical Reimbursement of hospitalization, day Claim must be filed within 15 days from
termination of pregnancy during the policy period 1.
care and pre hospitalization expenses the date of discharge from the Hospital
SPECIFIC EXCLUSIONS Claim for post hospitalisation expenses
19. Circumcision (unless necessary for treatment of a disease not excluded under this 2. Reimbursement of Post hospitalization are to be made within 15 days after
policy or necessitated due to an accident), Preputioplasty, Frenuloplasty, Preputial discharge from the hospital
Dilatation and Removal of SMEGMA - Code Excl 19
D. Notification of Claim: Upon the happening of any event, which may give rise to
20. Congenital External Condition / Defects / Anomalies - Code Excl 20 a claim under this policy, notice with full particulars shall be sent to the Company
within 24 hours from the date of occurrence of the event
21. Convalescence, general debility, run-down condition, Nutritional deficiency states -
Note: Conditions C and D are precedent to admission of liability under the policy
Code Excl 21
However the Company will examine and relax the time limit mentioned in these
22. Intentional self injury - Code Excl 22 conditions depending upon the merits of the case
E. Documents to be submitted for Reimbursement claims 7. Cancellation
a. Duly completed claim form, and i. The policyholder may cancel this policy by giving 15 days' written notice and in
b. Pre Admission investigations and treatment papers in original such an event, the Company shall refund premium for the unexpired policy
c. Discharge Summary in original from the hospital period as detailed below;
d. Cash receipts in original from hospital, chemists
Cancellation table applicable for Policy Term
e. Cash receipts and reports for tests done in original
1 Year without instalment option
f. Receipts from doctors, surgeons, anaesthetist in original
g. Certificate from the attending doctor regarding the diagnosis Period on risk Rate of premium to be retained
h. Copy of PAN Card
Up to one month 22.5% of the policy premium
i. Copy of Aadhaar Card
j. Any other document specific to the treatment / illness Exceeding one month up to 3 months 37.5% of the policy premium
k. Prescriptions and receipt for Pre and Post-Hospitalization expenses Exceeding 3 months up to 6 months 57.5% of the policy premium
l. KYC (Identity proof with Address) of the proposer, as per AML Guidelines
Note: For assistance call 24 hours help-line 044-69006900 or Toll Free No. Exceeding 6 months up to 9 months 80% of the policy premium
1800 425 2255. Senior Citizens may call at 044-40020888 Exceeding 9 months Full of the policy premium
F. Out Patient Consultation: Claims of Out Patient Consultations / treatments will
be settled on a reimbursement basis on production of cash receipts in original Cancellation table applicable for Policy Term 1 Year with instalment option of
and supporting medical records Half-yearly premium payment frequency
Note: The Company reserves the right to call for additional documents wherever Period on risk Rate of premium to be retained
required
Up to one month 45% of the total premium received
3. Provision for Penal Interest
i) The Company shall settle or reject a claim, as the case may be, within 30 days Exceeding one month up to 4 months 87.5% of the total premium received
from the date of receipt of last necessary document
Exceeding 4 months up to 6 months 100% of the total premium received
ii) ln the case of delay in the payment of a claim, the Company shall be liable to pay
interest to the policyholder from the date of receipt of last necessary document to Exceeding 6 months up to 7 months 65% of the total premium received
the date of payment of claim at a rate 2% above the bank rate
iii) However, where the circumstances of a claim warrant an investigation in the
opinion of the Company, it shall initiate and complete such investigation at the Exceeding 10 months 100% of the total premium received
earliest, in any case not later than 30 days from the date of receipt of last
Cancellation table applicable for Policy Term 1 Year with instalment option of
necessary document. ln such cases, the Company shall settle or reject the claim
Quarterly premium payment frequency
within 45 days from the date of receipt of last necessary document
iv) ln case of delay beyond stipulated 45 days, the Company shall be liable to pay Period on risk Rate of premium to be retained
interest to the policyholder at a rate 2% above the bank rate from the date of
receipt of last necessary document to the date of payment of claim Up to one month 87.5% of the total premium received
v) "Bank rate" shall mean the rate fixed by the Reserve Bank of lndia (RBI) at the Exceeding one month up to 3 months 100% of the total premium received
beginning of the financial year in which claim has fallen due.
Exceeding 3 months up to 4 months 87.5% of the total premium received
4. Complete Discharge: Any payment to the policyholder, insured person or his/ her
nominees or his/ her legal representative or assignee or to the Hospital, as the case Exceeding 4 months up to 6 months 100% of the total premium received
may be, for any benefit under the policy shall be a valid discharge towards payment of Exceeding 6 months up to 7 months 85% of the total premium received
claim by the Company to the extent of that amount for the particular claim
5. Multiple Policies
i. ln case of multiple policies taken by an insured person during a period from one Exceeding 9 months up to 10 months 85% of the total premium received
or more insurers to indemnify treatment costs, the insured person shall have the
right to require a settlement of his/her claim in terms of any of his/her policies. ln Exceeding 10 months 100% of the total premium received
all such cases the insurer chosen by the insured person shall be obliged to settle Cancellation table applicable for Policy Term
the claim as long as the claim is within the limits of and according to the terms of 2 Years without instalment option
the chosen policy
ii. lnsured person having multiple policies shall also have the right to prefer claims Period on risk Rate of premium to be retained
under this policy for the amounts disallowed under any other policy / policies Up to one month 17.5% of the policy premium
even if the sum insured is not exhausted. Then the insurer shall independently
settle the claim subject to the terms and conditions of this policy Exceeding one month up to 3 months 25% of the policy premium
iii. If the amount to be claimed exceeds the sum insured under a single policy, the Exceeding 3 months up to 6 months 37.5% of the policy premium
insured person shall have the right to choose insurer from whom he/she wants to
claim the balance amount Exceeding 6 months up to 9 months 47.5% of the policy premium
iv. Where an insured person has policies from more than one insurer to cover the
Exceeding 9 months up to 12 months 57.5% of the policy premium
same risk on indemnity basis, the insured person shall only be indemnified the
treatment costs in accordance with the terms and conditions of the chosen policy Exceeding 12 months up to 15 months 67.5% of the policy premium
6. Fraud: lf any claim made by the insured person, is in any respect fraudulent, or if any Exceeding 15 months up to 18 months 80% of the policy premium
false statement, or declaration is made or used in support thereof, or if any fraudulent
means or devices are used by the insured person or anyone acting on his/her behalf to Exceeding 18 months up to 21 months 90% of the policy premium
obtain any benefit under this policy, all benefits under this policy and the premium paid Exceeding 21 months Full of the policy premium
shall be forfeited.
Any amount already paid against claims made under this policy but which are found Cancellation table applicable for Policy Term 2 Years with instalment option of
fraudulent later shall be repaid by all recipient(s)/policyholder(s), who has made that Half-yearly premium payment frequency
particular claim, who shall be jointly and severally liable for such repayment to the Period on risk Rate of premium to be retained
insurer.
For the purpose of this clause, the expression "fraud" means any of the following acts Up to one month 45% of the total premium received
committed by the insured person or by his agent or the hospital/doctor/any other party Exceeding one month up to 4 months 87.5% of the total premium received
acting on behalf of the insured person, with intent to deceive the insurer or to induce
the insurer to issue an insurance policy: Exceeding 4 months up to 6 months 100% of the total premium received
a) the suggestion, as a fact of that which is not true and which the insured person
does not believe to be true; Exceeding 6 months up to 7 months 65% of the total premium received
b) the active concealment of a fact by the insured person having knowledge or Exceeding 7 months up to 10 months 85% of the total premium received
belief of the fact;
c) any other act fitted to deceive; and
d) any such act or omission as the law specially declares to be fraudulent Exceeding 12 months up to 15 months 90% of the total premium received
The Company shall not repudiate the claim and / or forfeit the policy benefits on the Exceeding 15 months up to 18 months 100% of the total premium received
ground of Fraud, if the insured person / beneficiary can prove that the misstatement
was true to the best of his knowledge and there was no deliberate intention to Exceeding 18 months up to 21 months 90% of the total premium received
suppress the fact or that such misstatement of or suppression of material fact are
within the knowledge of the insurer. Exceeding 21 months 100% of the total premium received
Cancellation table applicable for Policy Term 2 Years with instalment option of Cancellation table applicable for Policy Term 3 Years with instalment option of
Quarterly premium payment frequency Quarterly premium payment frequency
Period on risk Rate of premium to be retained Period on risk Rate of premium to be retained
Up to one month 87.5% of the total premium received Up to one month 87.5% of the total premium received
Exceeding one month up to 3 months 100% of the total premium received
Exceeding one month up to 3 months 100% of the total premium received
Exceeding 3 months up to 4 months 87.5% of the total premium received Exceeding 4 months up to 6 months 100% of the total premium received
Exceeding 4 months up to 6 months 100% of the total premium received Exceeding 6 months up to 7 months 85% of the total premium received
Exceeding 9 months up to 10 months 85% of the total premium received Exceeding 12 months up to 13 months 97.5% of the total premium received
Exceeding 21 months up to 22 months 92.5% of the total premium received Exceeding 27 months up to 28 months 97.5% of the total premium received
Exceeding 22 months 100% of the total premium received
Cancellation table applicable for Policy Term
3 Years without instalment option
Period on risk Rate of premium to be retained
Exceeding 34 months 100% of the total premium received
Up to one month 17.5% of the policy premium Notwithstanding anything contained herein or otherwise, no refunds of premium shall
be made in respect of Cancellation where, any claim has been admitted or has been
Exceeding one month up to 3 months 22.5% of the policy premium lodged or any benefit has been availed by the insured person under the policy.
Exceeding 3 months up to 6 months 30% of the policy premium ii. The Company may cancel the policy at any time on grounds of misrepresentation,
non-disclosure of material facts, fraud by the insured person by giving 15 days'
Exceeding 6 months up to 9 months 37.5% of the policy premium written notice. There would be no refund of premium on cancellation on grounds
of misrepresentation, non-disclosure of material facts or fraud
Exceeding 9 months up to 12 months 42.5% of the policy premium
8. Migration: The insured person will have the option to migrate the policy to other
Exceeding 12 months up to 15 months 50% of the policy premium health insurance products/plans offered by the company by applying for migration of
Exceeding 15 months up to 18 months 57.5% of the policy premium the Policy atleast 30 days before the policy renewal date as per IRDAI guidelines on
Migration. lf such person is presently covered and has been continuously covered
Exceeding 18 months up to 21 months 65% of the policy premium without any lapses under any health insurance product/plan offered by the company,
the insured person will get the accrued continuity benefits in waiting periods as per
Exceeding 21 months up to 24 months 72.5% of the policy premium IRDAI guidelines on migration.
Exceeding 24 months up to 27 months 80% of the policy premium For Detailed Guidelines on migration, kindly refer the link
https://www.irdai.gov.in/ADMINCMS/cms/frmGuidelines_Layout.aspx?page=PageNo3987
Exceeding 27 months up to 30 months 85% of the policy premium
9. Portability: The insured person will have the option to port the policy to other insurers
Exceeding 30 months up to 33 months 92.5% of the policy premium by applying to such insurer to port the entire policy along with all the members of the
family, if any, at least 45 days before, but not earlier than 60 days from the policy
Exceeding 33 months Full of the policy premium renewal date as per IRDAI guidelines related to portability. lf such person is presently
Cancellation table applicable for Policy Term 3 Years with instalment option of covered and has been continuously covered without any lapses under any health
Half-yearly premium payment frequency insurance policy with an lndian General/Health insurer, the proposed insured person
will get the accrued continuity benefits in waiting periods as per IRDAI guidelines on
Period on risk Rate of premium to be retained portability.
For Detailed Guidelines on portability, kindly refer the link
Up to one month 45% of the total premium received https://www.irdai.gov.in/ADMINCMS/cms/frmGuidelines_Layout.aspx?page=PageNo3987
Exceeding one month up to 4 months 87.5% of the total premium received 10. Renewal of Policy: The policy shall ordinarily be renewable except on grounds of
fraud, misrepresentation by the Insured Person;
1. The Company shall endeavor to give notice for renewal. However, the Company
Exceeding 6 months up to 7 months 65% of the total premium received is not under obligation to give any notice for renewal
2. Renewal shall not be denied on the ground that the insured person had made a
Exceeding 7 months up to 10 months 85% of the total premium received claim or claims in the preceding policy years
Exceeding 10 months up to 12 months 100% of the total premium received 3. Request for renewal along with requisite premium shall be received by the
Company before the end of the policy period
Exceeding 12 months up to 15 months 90% of the total premium received 4. At the end of the policy period, the policy shall terminate and can be renewed
Exceeding 15 months up to 18 months 100% of the total premium received within the Grace Period of 30 days to maintain continuity of benefits without
break in policy
Exceeding 18 months up to 21 months 90% of the total premium received 5. Coverage is not available during the grace period
Exceeding 21 months up to 24 months 100% of the total premium received 6. No loading shall apply on renewals based on individual claims experience
11. Withdrawal of policy
Exceeding 24 months up to 27 months 95% of the total premium received i. In the likelihood of this product being withdrawn in future, the Company will
Exceeding 27 months up to 30 months 100% of the total premium received intimate the insured person about the same 90 days prior to expiry of the policy
ii. lnsured Person will have the option to migrate to similar health insurance product
Exceeding 30 months up to 33 months 92.5% of the total premium received available with the Company at the time of renewal with all the accrued continuity
benefits such as cumulative bonus, waiver of waiting period as per IRDAI
Exceeding 33 months 100% of the total premium received guidelines, provided the policy has been maintained without a break
12. Moratorium Period: After completion of eight continuous years under the policy no 19. All claims under this policy shall be payable in Indian currency.
look back to be applied. This period of eight years is called as moratorium period. The
20. The premium payable under this policy shall be payable in advance. No receipt of
moratorium would be applicable for the sums insured of the first policy and
subsequently completion of 8 continuous years would be applicable from date of premium shall be valid except on the official form of the company signed by a duly
enhancement of sums insured only on the enhanced limits. After the expiry of authorized official of the company. The due payment of premium and the observance
Moratorium Period no health insurance claim shall be contestable except for proven of fulfillment of the terms, provision, conditions and endorsements of this policy by the
fraud and permanent exclusions specified in the policy contract. The policies would Insured Person/s, in so far as they relate to anything to be done or complied with by
however be subject to all limits, sub limits, co-payments, deductibles as per the policy the Insured Person/s, shall be a condition precedent to any liability of the Company to
contract. make any payment under this policy. No waiver of any terms, provisions, conditions,
13. Premium Payment in Instalments: lf the insured person has opted for Payment of and endorsements of this policy shall be valid unless made in writing and signed by an
Premium on an instalment basis i.e. Half Yearly or Quarterly or as mentioned in the authorized official of the Company.
policy Schedule/Certificate of Insurance, the following Conditions shall apply 21. Any medical practitioner authorized by the Company shall be allowed to examine the
(notwithstanding any terms contrary elsewhere in the policy) Insured Person in case of any alleged injury or diseases requiring Hospitalization
i. Grace Period of 7 days would be given to pay the instalment premium due for the when and as often as the same may reasonably be required on behalf of the Company
policy.
at Company's cost.
ii. During such grace period, coverage will not be available from the due date of
instalment premium till the date of receipt of premium by Company. 22. Notice and communication: Any notice, direction or instruction given under this
iii. The insured person will get the accrued continuity benefit in respect of the Policy shall be in writing and delivered by hand, post, or facsimile/email to Star Health
"Waiting Periods", "Specific Waiting Periods" in the event of payment of premium and Allied Insurance Company Limited, No.1, New Tank Street, Valluvar Kottam High
within the stipulated grace Period. Road, Nungambakkam, Chennai 600034. Customer Care No. 044-69006900 or Toll
iv. No interest will be charged lf the instalment premium is not paid on due date. Free No. 1800 425 2255, e-mail: [email protected].
v. ln case of instalment premium due not received within the grace period, the Notice and instructions will be deemed served 7 days after posting or immediately
policy will get cancelled. upon receipt in the case of hand delivery, facsimile or e-mail.
vi. ln the event of a claim, all subsequent premium instalments shall immediately 23. Territorial Limit: All medical/surgical treatments under this policy shall have to be
become due and payable. taken in India.
vii. The company has the right to recover and deduct all the pending installments
from the claim amount due under the policy. 24. Automatic Expiry: The insurance under this policy with respect to each relevant
Insured Person shall expire immediately on the earlier of the following events;
14. Possibility of Revision of Terms of the Policy lncluding the Premium Rates: The ü Upon the death of the Insured Person. This also means that in case of family
Company, with prior approval of lRDAl, may revise or modify the terms of the policy floater policy, cover for the other surviving members of the family will continue,
including the premium rates. The insured person shall be notified three months before subject to other terms of the policy
the changes are effected.
ü Upon exhaustion of the Limit of Coverage
15. Free Look Period: The Free Look Period shall be applicable on new individual health
insurance policies and not on renewals or at the time of porting/migrating the policy. 25. Policy disputes: Any dispute concerning the interpretation of the terms, conditions,
limitations and/or exclusions contained herein is understood and agreed to by both
The insured person shall be allowed free look period of fifteen days from date of
the Insured and the Company to be subject to Indian Law.
receipt of the policy document to review the terms and conditions of the policy, and to
return the same if not acceptable. 26. Arbitration: If any dispute or difference shall arise as to the quantum to be paid under
lf the insured has not made any claim during the Free Look Period, the insured shall be this Policy (liability being otherwise admitted) such difference shall independently of
entitled to all other questions be referred to the decision of a sole arbitrator to be appointed in
i. a refund of the premium paid less any expenses incurred by the Company on writing by the parties to the dispute/difference, or if they cannot agree upon a single
medical examination of the insured person and the stamp duty charges or arbitrator within 30 days of any party invoking arbitration, the same shall be referred to
ii. where the risk has already commenced and the option of return of the policy is a panel of three arbitrators, comprising of two arbitrators, one to be appointed by each
exercised by the insured person, a deduction towards the proportionate risk of the parties to the dispute/difference and the third arbitrator to be appointed by such
premium for period of cover or two arbitrators. Arbitration shall be conducted under and in accordance with the
iii. where only a part of the insurance coverage has commenced, such proportionate provisions of the Arbitration and Conciliation Act, 1996.
premium commensurate with the insurance coverage during such period It is clearly agreed and understood that no difference or dispute shall be referable to
16. Redressal of Grievance: Incase of any grievance the insured person may contact arbitration, as hereinbefore provided, if the Company has disputed or not accepted
the Company through liability under or in respect of this Policy.
Website : www.starhealth.in It is hereby expressly stipulated and declared that it shall be a condition precedent to
E-mail : [email protected], [email protected] any right of action or suit upon this Policy that the award by such arbitrator/ arbitrators
Ph. No. : 044-69006900 | Toll Free No. 1800 425 2255 of the amount of the loss or damage shall be first obtained.
Senior Citizens may call at 044-69007500 It is also further expressly agreed and declared that if the Company shall disclaim
Courier : 4th Floor, Balaji Complex, No.15, Whites Lane, Whites Road, liability to the Insured for any claim hereunder and such claim shall not, within three
Royapettah, Chennai- 600014 years from the date of such disclaimer have been made the subject matter of a suit in a
lnsured person may also approach the grievance cell at any of the company's Court of Law, then the claim shall for all purposes be deemed to have been
branches with the details of grievance. abandoned and shall not thereafter be recoverable hereunder.
lf lnsured person is not satisfied with the redressal of grievance through one of the
27. Revision of Sum Insured: Reduction or enhancement of sum insured is permissible
above methods, insured person may contact the grievance officer at 044-43664600.
only at the time of renewal.
For updated details of grievance officer, kindly refer the link
Enhancement of sum insured is subject to no claim being lodged or paid under this
https://www.starhealth.in/grievance-redressal
policy, Both the acceptance for enhancement and the amount of enhancement will be
lf lnsured person is not satisfied with the redressal of grievance through above at the discretion of the Company. Where the sum insured is enhanced, the amount of
methods, the insured person may also approach the office of lnsurance Ombudsman
additional sum insured including the respective sub-limits by way of such
of the respective area/region for redressal of grievance as per lnsurance Ombudsman
enhancement shall be subject to the following terms.
Rules 2017.
Exclusions under shall apply afresh from the date of such enhancement for the
Grievance may also be lodged at IRDAI lntegrated Grievance Management System -
https://bimabharosa.irdai.gov.in/ increase in the sum insured, that is, the difference between the expiring policy sum
insured and the increased sum insured;
17. Nomination: The policyholder is required at the inception of the policy to make a i) First 30 days as under Exclusion - Code Excl03
nomination for the purpose of payment of claims under the policy in the event of death ii) 24 months with continuous coverage without break (with grace period) in respect
of the policyholder. Any change of nomination shall be communicated to the company of diseases / treatments falling under Exclusion - Code Excl02
in writing and such change shall be effective only when an endorsement on the policy iii) 12 months of continuous coverage without break (with grace period) in respect of
is made. ln the event of death of the policyholder, the Company will pay the nominee
Pre-Existing diseases as defined under Exclusion - Code Excl 01
{as named in the Policy Schedule/Policy Certificate/Endorsement (if any)} and in case
there is no subsisting nominee, to the legal heirs or legal representatives of the iv) 24 months of continuous coverage without break (with grace period) in respect of
policyholder whose discharge shall be treated as full and final discharge of its liability Pre-Existing Diseases which fall under Exclusion - Code Excl 02
under the policy. v) 12 months of continuous coverage without break (with grace period) for diseases
/ conditions diagnosed / treated irrespective of whether any claim is made or not
SPECIFIC CONDITIONS in the immediately preceding three policy periods
18. The Insured Person/s shall obtain and furnish the Company with all original bills, The above applies to each relevant insured person
receipts and other documents upon which a claim is based and shall also give the
Company such additional information and assistance as the Company may require in 28. Relief under Section 80-D: Insured Person is eligible for relief under Section 80-D of
dealing with the claim. the Income Tax Act in respect of the amount paid by any mode other than cash.
29. Important Note
a) Where the policy is issued for more than 1 year, the Sum Insured including sublimits, is for each of the year, without any carry over benefit thereof. The said benefits / covers
available for the 2nd year or 3rd year cannot be utilized in the 1st year itself. The terms, conditions and exceptions that appear in the Policy or in any Endorsement are part of the
contract, must be complied with and applies to each policy year
b) The Policy Schedule and any Endorsement are to be read together and any word or such meaning wherever it appears shall have the meaning as stated in the Act / Indian Laws
c) The terms, conditions and exceptions that appear in the Policy or in any Endorsement are part of the contract, must be complied with and applies to each relevant insured person.
Failure to comply with may result in the claim being denied
d) The attention of the policy holder is drawn to our website www.starhealth.in for anti fraud policy of the company for necessary compliance by all stake holders
30. Customer Service: If at any time the Insured Person requires any clarification or assistance, the Insured may contact No. 1, New Tank Street, Valluvar Kottam High Road,
Nungambakkam, Chennai 600034, during normal business hours.
List of Insurance Ombudsman
AHMEDABAD BENGALURU BHOPAL

Office of the Insurance Ombudsman, Office of the Insurance Ombudsman, Office of the Insurance Ombudsman, BHUBANESWAR
Jeevan Prakash Building, 6th floor, Jeevan Soudha Building, 1st floor, "Jeevan Shikha",
Office of the Insurance Ombudsman,
Tilak Marg, Relief Road, PID No. 57-27-N-19 Ground Floor, 19/19, 60-B, Hoshangabad Road,
62, Forest park, Bhubaneswar – 751 009.
Ahmedabad – 380 001. 24th Main Road, JP Nagar, Ist Phase, Opp. Gayatri Mandir, Bhopal – 462 011.
Tel.: 0674 - 2596461 /2596455
Tel.: 079 - 25501201/02/05/06 Bengaluru – 560 078. Tel.: 0755 - 2769201 / 2769202
Email: [email protected]
Email: [email protected] Tel.: 080 - 26652048 / 26652049 Email: [email protected]
Email: [email protected] JURISDICTION: Odisha.
JURISDICTION: Gujarat, Dadra & Nagar JURISDICTION: Madhya Pradesh
Haveli, Daman and Diu. JURISDICTION: Karnataka. Chattisgarh.
CHANDIGARH
CHENNAI DELHI ERNAKULAM
S.C.O. No. 101, 102 & 103, 2nd Floor, Office of the Insurance Ombudsman, Office of the Insurance Ombudsman, Office of the Insurance Ombudsman,
Batra Building, Sector 17 – D, Fatima Akhtar Court, 4th Floor, 453, 2/2 A, Universal Insurance Building, 2nd Floor, Pulinat Bldg.,
Chandigarh – 160 017. Anna Salai, Teynampet, Asaf Ali Road, Opp. Cochin Shipyard, M. G. Road,
Tel.: 0172 - 2706196 / 2706468 Chennai – 600 018. New Delhi – 110 002. Ernakulam - 682 015.
Email: [email protected] Tel.: 044 - 24333668 / 24335284 Tel.: 011 - 23232481/23213504 Tel.: 0484 - 2358759 / 2359338
Email: [email protected] Email: [email protected] Email: [email protected]
JURISDICTION: Punjab, Haryana
(excluding Gurugram, Faridabad, Sonepat JURISDICTION: Tamil Nadu, JURISDICTION: Delhi & following Districts JURISDICTION: Kerala, Lakshadweep,
and Bahadurgarh), Himachal Pradesh, Puducherry Town and Karaikal of Haryana - Gurugram, Faridabad, Mahe-a part of Union Territory of
Union Territories of Jammu & (which are part of Puducherry). Sonepat & Bahadurgarh. Puducherry.
Kashmir,Ladakh & Chandigarh.
HYDERABAD
GUWAHATI
Office of the Insurance Ombudsman, JAIPUR KOLKATA
6-2-46, 1st floor, "Moin Court",
Jeevan Nivesh, 5th Floor, Office of the Insurance Ombudsman, Office of the Insurance Ombudsman,
Lane Opp. Saleem Function Palace,
Nr. Panbazar over bridge, S.S. Road, Jeevan Nidhi – II Bldg., Gr. Floor, Hindustan Bldg. Annexe, 7th Floor,
A. C. Guards, Lakdi-Ka-Pool,
Guwahati – 781001(ASSAM). Bhawani Singh Marg, 4, C.R. Avenue, Kolkata - 700 072.
Hyderabad - 500 004.
Tel.: 0361 - 2632204 / 2602205 Jaipur - 302 005. Tel.: 033 - 22124339 / 22124340
Tel.: 040 - 23312122
Email: [email protected] Tel.: 0141 - 2740363 Email: [email protected]
JURISDICTION: Assam, Meghalaya, JURISDICTION: West Bengal, Sikkim,
JURISDICTION: Andhra Pradesh,
Manipur, Mizoram, Arunachal Pradesh, JURISDICTION: Rajasthan. Andaman & Nicobar Islands.
Telangana, Yanam and part of Union
Nagaland and Tripura.
Territory of Puducherry.
LUCKNOW PATNA
NOIDA Office of the Insurance Ombudsman,
6th Floor, Jeevan Bhawan, Phase-II, Office of the Insurance Ombudsman, 2nd Floor, Lalit Bhawan,
Nawal Kishore Road, Hazratganj, Bhagwan Sahai Palace Bailey Road, Patna 800 001.
Lucknow - 226 001. 4th Floor, Main Road, Naya Bans, Sector 15, Tel.: 0612-2547068
MUMBAI Email: [email protected]
Tel.: 0522 - 2231330 / 2231331 Distt: Gautam Buddh Nagar, U.P-201301.
Email: [email protected] Office of the Insurance Ombudsman, Tel.: 0120-2514252 / 2514253 JURISDICTION: Bihar, Jharkhand.
3rd Floor, Jeevan Seva Annexe, Email: [email protected]
JURISDICTION: Districts of Uttar Pradesh:
S. V. Road, Santacruz (W),
Lalitpur, Jhansi, Mahoba, Hamirpur, JURISDICTION: State of Uttarakhand and
Mumbai - 400 054.
Banda, Chitrakoot, Allahabad, Mirzapur, the following Districts of Uttar Pradesh:
Tel.: 69038821/23/24/25/26/27/28/29/30/31
Sonbhabdra, Fatehpur, Pratapgarh, Agra, Aligarh, Bagpat, Bareilly, Bijnor,
Email: [email protected] PUNE
Jaunpur,Varanasi, Gazipur, Jalaun, Budaun, Bulandshehar, Etah, Kannauj,
Kanpur, Lucknow, Unnao, Sitapur, JURISDICTION: Goa, Mumbai Mainpuri, Mathura, Meerut, Moradabad, Office of the Insurance Ombudsman,
Lakhimpur, Bahraich, Barabanki, Metropolitan Region (excluding Navi Muzaffarnagar, Oraiyya, Pilibhit, Etawah, Jeevan Darshan Bldg., 3rd Floor,
Raebareli, Sravasti, Gonda, Faizabad, Mumbai & Thane). Farrukhabad, Firozbad, Gautam Buddh C.T.S. No.s. 195 to 198, N.C. Kelkar Road,
Amethi, Kaushambi, Balrampur, Basti, nagar, Ghaziabad, Hardoi, Shahjahanpur, Narayan Peth, Pune – 411 030.
Ambedkarnagar, Sultanpur, Maharajgang, Hapur, Shamli, Rampur, Kashganj, Tel.: 020-41312555
Santkabirnagar, Azamgarh, Kushinagar, Sambhal, Amroha, Hathras, Email: [email protected]
Gorkhpur, Deoria, Mau, Ghazipur, Kanshiramnagar, Saharanpur.
Chandauli, Ballia, Sidharathnagar. JURISDICTION: Maharashtra, Areas of
Navi Mumbai and Thane (excluding
Mumbai Metropolitan Region).
Kindly refer our website, for future updates in Ombudsman address

ITEMS THAT ARE TO BE SUBSUMED INTO ROOM CHARGES
SI.NO. ITEM SI.NO. ITEM
1 BABY CHARGES (UNLESS SPECIFIED/INDICATED) 20 LUXURY TAX

2 HAND WASH 21 HVAC
3 SHOE COVER 22 HOUSE KEEPING CHARGES
4 CAPS 23 AIR CONDITIONER CHARGES
5 CRADLE CHARGES 24 IM IV INJECTION CHARGES
6 COMB 25 CLEAN SHEET
7 EAU-DE-COLOGNE / ROOM FRESHNERS 26 BLANKET / WARMER BLANKET
8 FOOT COVER 27 ADMISSION KIT
9 GOWN 28 DIABETIC CHART CHARGES
10 SLIPPERS 29 DOCUMENTATION CHARGES / ADMINISTRATIVE EXPENSES
11 TISSUE PAPER 30 DISCHARGE PROCEDURE CHARGES
12 TOOTH PASTE 31 DAILY CHART CHARGES
13 TOOTH BRUSH 32 ENTRANCE PASS / VISITORS PASS CHARGES
14 BED PAN 33 EXPENSES RELATED TO PRESCRIPTION ON DISCHARGE
15 FACE MASK 34 FILE OPENING CHARGES
16 FLEXI MASK 35 INCIDENTAL EXPENSES / MISC. CHARGES (NOT EXPLAINED)
17 HAND HOLDER 36 PATIENT IDENTIFICATION BAND / NAME TAG
18 SPUTUM CUP
37 PULSEOXYMETER CHARGES
19 DISINFECTANT LOTIONS
ITEMS THAT ARE TO BE SUBSUMED INTO PROCEDURE CHARGES
1 HAIR REMOVAL CREAM 13 SURGICAL DRILL

2 DISPOSABLES RAZORS CHARGES (for site preparations) 14 EYE KIT
3 EYE PAD 15 EYE DRAPE
4 EYE SHEILD 16 X-RAY FILM
5 CAMERA COVER 17 BOYLES APPARATUS CHARGES
6 DVD, CD CHARGES 18 COTTON
7 GAUSE SOFT 19 COTTON BANDAGE
8 GAUZE 20 SURGICAL TAPE
9 WARD AND THEATRE BOOKING CHARGES 21 APRON
10 ARTHROSCOPY AND ENDOSCOPY INSTRUMENTS 22 TORNIQUET
11 MICROSCOPE COVER
23 ORTHOBUNDLE, GYNAEC BUNDLE
12 SURGICAL BLADES, HARMONICSCALPEL,SHAVER
ITEMS THAT ARE TO BE SUBSUMED INTO COSTS OF TREATMENT
1 ADMISSION / REGISTRATION CHARGES 10 HIV KIT

2 HOSPITALISATION FOR EVALUATION / DIAGNOSTIC PURPOSE 11 ANTISEPTIC MOUTHWASH
3 URINE CONTAINER 12 LOZENGES
4 BLOOD RESERVATION CHARGES AND ANTE NATAL BOOKING CHARGES 13 MOUTH PAINT
5 BIPAP MACHINE 14 VACCINATION CHARGES
6 CPAP / CAPD EQUIPMENTS 15 ALCOHOL SWABS
7 INFUSION PUMP — COST 16 SCRUB SOLUTION / STERILLIUM
8 HYDROGEN PEROXIDE / SPIRIT / DISINFECTANTS ETC 17 GLUCOMETER & STRIPS
9 NUTRITION PLANNING CHARGES - DIETICIAN CHARGES - DIET CHARGES 18 URINE BAG
Benefit Illustration in respect of policies offered on individual and family floater basis
Coverage opted on individual

Coverage opted on individual basis covering Coverage opted on family floater basis
basis covering each member of
multiple members of the family under a single policy with overall Sum insured
the family separately
Age (Sum insured is available for each member of the family) (Only one sum insured is available for the entire family)
(at a single point of time)
of the
Members Premium or
insured Premium consolidated Premium
Floater
(in yrs) Premium Sum Insured Premium Discount, After Sum Insured premium for After Sum Insured
Discount,
(Rs.) (Rs.) (Rs.) (if any) Discount (Rs.) all members Discount (Rs.)
(if any)
(Rs.) of family (Rs.)
(Rs.)
Illustration 1
68 22,500 10,00,000 22,500 22,500 10,00,000
Nil 45,000 6,750 38,250 10,00,000
61 22,500 10,00,000 22,500 22,500 10,00,000
Total Premium for all members of the family is Total Premium for all members of the family is Total Premium when policy is opted
Rs.45,000/-, when each member is Rs.45,000/-, when they are covered under a on floater basis is Rs.38,250/-,
covered separately. single policy.
Sum insured available for each individual is Sum insured available for each family member is Sum insured of Rs.10,00,000/-
Rs.10,00,000/- Rs.10,00,000/- is available for the entire family (2A)
Illustration 2
68 35,985 25,00,000 35,985 35,985 25,00,000
Nil 71,970 10,795 61,175 25,00,000
61 35,985 25,00,000 35,985 35,985 25,00,000
Total Premium for all members of the family is Total Premium for all members of the family is Total Premium when policy is opted
Rs.71,970/-, when each member is Rs.71,970/-, when they are covered under a on floater basis is Rs.61,175/-
covered separately. single policy.
Sum insured available for each individual is Sum insured available for each family member is Sum insured of Rs.25,00,000/-
Rs.25,00,000/- Rs.25,00,000/- is available for the entire family (2A)
Note: Premium rates specified in the above illustration are standard premium rates without considering any loading. Also, the premium rates are exclusive of taxes applicable.
A-Adult

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STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED

SENIOR CITIZENS RED CARPET HEALTH INSURANCE POLICY

PREAMBLE Hospitalization: Hospitalization means admission in a Hospital for a minimum period of

under the policy

Limit per person, per policy period for each

diseases / Condition Rs.

4,00,000 20,000 2,25,000 2,00,000

5,00,000 21,500 2,75,000 2,25,000

7,50,000 23,000 3,00,000 2,50,000

25,00,000 40,000 5,00,000 3,50,000

Cataract Chemotherapy / Radiotherapy) major

Sum Medical Renal Diseases surgeries

person person policy period person

25,00,000 40,000 70,000 5,00,000 8,50,000 3,50,000 6,00,000

Stem cell theraphy:

stem cells for bone

complications shall be excluded until the expiry of 12 months of continuous

2. Speciﬁed disease / procedure waiting period - Code Excl 02

treatments shall be excluded until the expiry of 24 months of continuous

not be applicable for claims arising due to an accident

extent of sum insured increase

policy or declared and accepted without a speciﬁc exclusion

the same would be reduced to the extent of prior coverage

of the Eye, Diseases of ENT, and Diseases related to Thyroid, Benign

diseases of the breast

lip / cheek, Carpal Tunnel Syndrome, Trigger Finger, Lipoma,

Neuroﬁbroma, Fibroadenoma, Ganglion and similar pathology

Joint Including Arthroscopy and Arthroplasty / Joint Replacement [other

than caused by accident]

the Musculo-skeletal system, Prolapse of Intervertebral Disc (other than

v. All treatments (conservative, interventional, laparoscopic and open) related

to Hepato-pancreato-biliary diseases including Gall bladder and Pancreatic

viii. All treatments (conservative, interventional, laparoscopic and open) related

to all Diseases of Cervix, Uterus, Fallopian tubes, Ovaries, Uterine

Bleeding, Pelvic Inﬂammatory Diseases

ix. All Diseases of Prostate, Stricture Urethra, all Obstructive Uropathies

x. Benign Tumours of Epididymis, Spermatocele, Varicocele, Hydrocele

xii. Varicose veins and Varicose ulcers

xiii. All types of transplant and related surgeries

3. 30-day waiting period - Code Excl 03

accident, provided the same are covered

coverage for more than twelve months

insured in the event of granting higher sum insured subsequently

A. Expenses related to any admission primarily for diagnostics and evaluation

purposes only are excluded

List of Insurance Ombudsman

AHMEDABAD BENGALURU BHOPAL

Kindly refer our website, for future updates in Ombudsman address

SI.NO. ITEM SI.NO. ITEM

1 BABY CHARGES (UNLESS SPECIFIED/INDICATED) 20 LUXURY TAX

ITEMS THAT ARE TO BE SUBSUMED INTO PROCEDURE CHARGES

SI.NO. ITEM SI.NO. ITEM

1 HAIR REMOVAL CREAM 13 SURGICAL DRILL

ITEMS THAT ARE TO BE SUBSUMED INTO COSTS OF TREATMENT

SI.NO. ITEM SI.NO. ITEM

1 ADMISSION / REGISTRATION CHARGES 10 HIV KIT

Coverage opted on individual

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