Star Health Insurance

Can I Revise in the sum insured in the Family Health Optima Policy: Any revision in sum insured is permissible only at the time of renewal. The Insured Person can propose such revision and the same is subject to Company's approval and payment of appropriate premium. Can the sum insured under the Family Health Optima policy be enhanced? The sum insured can be enhanced at the time of renewal of this policy subject to no claim being lodged or paid under this policy; both the acceptance for enhancement and the amount of enhancement will be at the discretion of the Company. Where the sum insured is enhanced, the amount of such additional sum insured (including the respective sublimit) shall be subject to the following terms A Waiting period as under shall apply afresh from the date of such enhancement for the increase in the sum insured, that is, the difference between the expiring policy sum insured and the increased current sum insured. 1. First 30 days as under Waiting period (i) 2. 24 months with continuous coverage without break (with grace period) in respect of diseases / treatments falling under waiting period (ii) a to (ii) h 3. 48 months of continuous coverage without break (with grace period) in respect of Pre-Existing diseases. 4. 48 months of continuous coverage without break (with grace period) for diseases / conditions diagnosed / treated irrespective of whether any claim is made or not in the immediately preceding three policy periods for Health Insurance/Mediclaim needs, Services, U can call me now at 98401 77017 Devarajan www.starhealthdevarajan.com https://www.facebook.com/mediclaimagent/

Health Insurance

Co-payment under the Family Health Optima policy? This policy is subject to co-payment of *20% of each and every claim amount* for fresh as well as renewal policies for insured *persons whose age at the time of entry is above 60 years*. in the Family Health Optima Policy *Organ Donor Expenses* for organ transplantation where the insured person is the recipient are payable provided the claim for transplantation is payable and subject to the availability of the sum insured. Donor screening expenses and postdonation complications of the donor are not payable. This cover is subject to a limit of 10% of the Sum Insured or Rupees One Lakh, whichever is less. Can I Revise in the sum insured in the Family Health Optima Policy: Any revision in sum insured is permissible only at the time of renewal. The Insured Person can propose such revision and the same is subject to Company's approval and payment of appropriate premium. for Health Insurance/Mediclaim needs, Services, U can call me now at 98401 77017 Devarajan

Medical Insurance

Additional sum Insured for Road Traffic Accident

Additional Sum Insured for Road Traffic Accident (RTA) in the Family Health Optima Policy: If the insured person meets with a Road Traffic Accident resulting in in-patient hospitalization, then the Basic sum insured shall be increased by 25% subject to a maximum of Rs.5,00,000/- and subject to the following: 1. It is evidenced that the insured person was wearing helmet and was either riding or travelling as pillion rider in a two wheeler at the time of accident as evidenced by Police record and Hospital record. 2. The additional sum insured shall be available only once during the policy period. 3. The additional sum insured shall be available after exhaustion of the limit of coverage. 4. The additional sum insured can be utilized only for the particular hospitalization following the Road Traffic Accident 5. Automatic Restoration of Basic Sum Insured and Recharge Benefit shall not apply for this benefit 6. This benefit shall not be applicable for day care treatment 7. The unutilized balance cannot be carried forward for the remaining policy period or for renewal 8. Claim under this benefit will impact the Bonus

Air Ambulance charges in Family Health Optima

in the Family Health Optima Policy *Air Ambulance charges* up to 10% of the Basic Sum Insured during the entire policy period, provided that 1. It is for life threatening emergency health condition/s of the insured person which requires immediate and rapid ambulance transportation to the hospital/medical centre that ground transportation cannot provide. 2. Necessary medical treatment not being available at the location where the Insured Person is situated at the time of Emergency 3. It is prescribed by a Medical Practitioner and is Medically Necessary; 4. The insured person is in India and the treatment is in India only 5. Such Air ambulance should have been duly licensed to operate as such by Competent Authorities of the Government/s *Note*: This benefit is available for sum insured options of Rs.5, 00,000/- and above only. for Health Insurance/Mediclaim needs, Services, U can call me now at 98401 77017 Devarajan www.starhealthdevarajan.com https://www.facebook.com/mediclaimagent/

Star Health Insurance

Star Health Insurance