Star Net Plus Health Plan

What is the Plan all About?

A special policy introduced by the Star Health Insurance company which is one of its kind as it cover HIVs positive individuals. The plan is specially formulated so that the care and the benefits reaches to those who need it most.

Key Features

First Plan to cover HIV positive individuals
HIV Cover section
Lumpsum payment for covered disease

Policy Benefits

The lumpsum amount as specified in the policy is paid for the covered illness.
Hospitalization expenses for illness/injury is covered under this plan.
Pre hospitalization expenses are covered for 30 days prior to the hospitalization.
Post hospitalization is covered as per the specified limits.

Value Added Benefits

Ambulance service charges are payable as per the limits specified.
Tax Benefit under section 80 D of Income Tax Act.

Sub Limits

Room rent capping is at 2% of the sum insured.
Emergency Ambulance charges upto Rs 750 per hospitalization and overall limit of Rs 1,500 per policy period.
Cataract Surgery one eye limit is Rs 20,000 and Rs 30,000 in the entire policy period.
Kidney stone removal capping is Rs 20,000.

Waiting Period Clause

Initial waiting period: An initial waiting period of 30 days from the commencement of the policy is to be followed for any hospitalization except for the accident claims.
Specific Waiting Period: Specific waiting period of 2 years is applicable for the list of specified treatments/surgeries under the policy contract.
Pre-existing waiting period: 48 months waiting period is applicable for covering pre-existing diseases.

Who can Buy the Plan?

Factor	Minimum	Maximum
Eligibility	Governmental Agencies, NGOs And Registered Societies Serving Persons Diagnosed As HIV Positive Can Propose Their Members/beneficiaries For This Insurance.	-
Cover Type	Individual	-
Policy Tenure	1 Year	1 Year
Grace Period	30 Days	-
Free Look Period	15 Days	-
Riders	Nil	-

Exclusions

Self Inflicted injury
Naturopathy Treatment
Convalescence benefit
Cosmetic & Aesthetic Surgeries, etc.
Cost of spectacles and contact lenses, etc.

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