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    Young Star Insurance Policy - One Pager - Version - 1.0 - (Apr) - (2021)

    Uploaded by

    Manjunatha Gayakwad
    This document summarizes the key features of a Young Star Insurance Policy for individuals and families. It provides coverage for in-patient hospitalization, ICU, doctor fees, diagnostic tests, drugs and medicines. It also covers day care procedures, pre and post-hospitalization expenses, road ambulance, e-medical opinion, and health check-ups. The policy offers options for sum insured amounts from 3 lacs to 100 lacs, renewal lifelong, and premium payment options like monthly, quarterly, half-yearly or yearly. It provides benefits like automatic restoration of sum insured, no claim bonus up to 100%, additional cover for road traffic accidents, coverage for psychiatric treatments, and wellness programs.

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    © All Rights Reserved
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    Young Star Insurance Policy - One Pager - Version - 1.0 - (Apr) - (2021)

    Uploaded by

    Manjunatha Gayakwad
    906 views1 page
    This document summarizes the key features of a Young Star Insurance Policy for individuals and families. It provides coverage for in-patient hospitalization, ICU, doctor fees, diagnostic tests, drugs and medicines. It also covers day care procedures, pre and post-hospitalization expenses, road ambulance, e-medical opinion, and health check-ups. The policy offers options for sum insured amounts from 3 lacs to 100 lacs, renewal lifelong, and premium payment options like monthly, quarterly, half-yearly or yearly. It provides benefits like automatic restoration of sum insured, no claim bonus up to 100%, additional cover for road traffic accidents, coverage for psychiatric treatments, and wellness programs.

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    Young Star Insurance Policy_One Pager_Version_1.0_(Apr)_(2021)

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    This document summarizes the key features of a Young Star Insurance Policy for individuals and families. It provides coverage for in-patient hospitalization, ICU, doctor fees, diagnostic tests, drugs and medicines. It also covers day care procedures, pre and post-hospitalization expenses, road ambulance, e-medical opinion, and health check-ups. The policy offers options for sum insured amounts from 3 lacs to 100 lacs, renewal lifelong, and premium payment options like monthly, quarterly, half-yearly or yearly. It provides benefits like automatic restoration of sum insured, no claim bonus up to 100%, additional cover for road traffic accidents, coverage for psychiatric treatments, and wellness programs.

    Copyright:

    © All Rights Reserved
    Download as PDF, TXT or read online from Scribd
    Download as pdf or txt
    906 views1 page

    Young Star Insurance Policy - One Pager - Version - 1.0 - (Apr) - (2021)

    Uploaded by

    Manjunatha Gayakwad
    This document summarizes the key features of a Young Star Insurance Policy for individuals and families. It provides coverage for in-patient hospitalization, ICU, doctor fees, diagnostic tests, drugs and medicines. It also covers day care procedures, pre and post-hospitalization expenses, road ambulance, e-medical opinion, and health check-ups. The policy offers options for sum insured amounts from 3 lacs to 100 lacs, renewal lifelong, and premium payment options like monthly, quarterly, half-yearly or yearly. It provides benefits like automatic restoration of sum insured, no claim bonus up to 100%, additional cover for road traffic accidents, coverage for psychiatric treatments, and wellness programs.

    Copyright:

    © All Rights Reserved
    Download as PDF, TXT or read online from Scribd
    Download as pdf or txt
    of 1

    Young Star Insurance Policy

    Version_1.0_SP Parameters
    Unique Identification No: SHAHLIP21217V032021

    About the policy This is an indemnity policy available for Youngsters


    For Whom For Individuals & Family
    For Individual SI 18 years – 40 years
    Entry Age For Adults: 18years – 40 years (Family Size – 2 Adults + 3 Dependent Children)
    For Floater SI
    For Dependent Children: 91days - 25 years
    · Available for including Newly Married Spouse and/or legally adopted child (Intimation should be
    Midterm Inclusion given within 45 days from the date of marriage or date of adoption)
    Features

    · New Born on paying additional premium (Intimation should be given within 90 days from D.O.B)

    Renewal Available - Lifelong


    Policy Term One Year, Two Years & Three Years
    Monthly/ Quarterly/ Half-Yearly/ Yearly/ Once every Two Years
    Premium Payment Options
    Installment option - available for one year premium & for SI of 10 Lac & above
    Pre Policy Medical Check-up Not required
    Sum Insured (Rs. In Lacs) 3L/ 5L/ 10L/ 15L/ 20L/ 25L/ 50L/ 75L/ 100L
    (3Lac SI is not available for Floater)

    Plan Options Silver Plan & Gold Plan


    Coverage

    In-patient Hospitalization Room - Single Private AC Room

    ICU, Doctor Fees, Diagnostic


    Covered (Actuals)
    Tests, Drugs & Medicines
    Day Care Procedures All day care procedures are covered (Actuals)
    Pre & Post-Hospitalization 60 Days & 90 Days
    Road Ambulance Covered (Actuals) (i) for transportation to hospital (ii) from one hospital to other hospital

    E-Medical Opinion Available from the Company’s expert panel


    Sum Insured 3 Lac 5 Lac 10 Lac 15 L & above
    Health Check-up Individual Cover 1,500 2,000 3,000 3,500
    (available after each policy year)
    Floater Cover N.A 3,000 4,000 5,000
    · Restoration triggers upon partial/full utilization of limit of cover (Limit of Cover= Basic SI+NCB)
    Coverage

    Automatic Restoration · Restored sum insured can be utilized for all claims (for subsequent hospitalizations)
    (Up to 100%, Once in every policy year)
    · The maximum liability in a Single claim will be up to the limit of cover
    No Claim Bonus 20% for each claim free year subject to a maximum of 100%
    (Up to 100% of the Basic SI)

    Additional Cover for RTA In case of RTA, 25% of SI (or) max up to 10 lac for wearing helmet

    Psychiatric & Psychosomatic Covered (Actuals)


    Wellness platform is available both in our mobile app “Star Power” & Customer Portal (Retail)
    Star Wellness Program The Insured can earn reward points and avail premium discount up to 10% on the renewal
    (for Insured aged = > 18 years)
    premium by enrolling and achieving the wellness goals
    Discount for early Entry If entered before 36 years, continued the policy, from 41 years age 10% discount will be given
    (available lifelong)
    The following covers are available only under the ‘Gold Plan’
    Covered - Up to Rs.30,000/- per delivery
    Delivery Expenses
    (Waiting period - 36 months for 1st delivery & 24 months for 2nd delivery)
    Hospital Cash Benefit (Rs.) Rs.1,000/- per day, Maximum 7days per admission, 14 days per policy period

    Modern treatments Based on the Sum insured chosen limits differ, refer policy wording for further details

    Initial waiting period 30 days (not applicable for Accidents)


    Waiting Period

    12 months
    (a) Diseases of ENT and Thyroid
    For Specific diseases (b) All types of Hydrocele, Hernia, Vericocele, Piles, Fistula and Fissure in Ano
    (c) Diseases of Female Reproductive System
    (d) Calculus diseases of the Gall Bladder, Kidney and Urinary Tract
    For Pre-existing diseases 12 months
    Moratorium Period Available after completion of 8 years
    * The information provided in this document is only indicative. For more details on the terms and conditions, please read the policy wordings before concluding a sale.

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