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Star Health and Allied Insurance - Star Netplus Policy (2009-10)


Star Netplus Policy (2009-10)

This policy fills the gap where all other policies and insurers treat HIV as exclusion.

Unique Benefits

  • Complete confidentiality of the covered persons ensured.
  • No bills/receipts. Lump sum is paid at one go once the claim is made.
  • Facilitates better health care at the critical stage (AIDS) with financial support.
  • This policy fills the gap where all other policies and insurers treat HIV as exclusion.
  • Extension of medical cover for hospitalization as an option.

Who can apply for it?

  • The policy will have to be proposed by governmental agencies, NGOs, societies or other registered bodies serving the cause of persons infected with HIV. The benefits-when payable, will be paid to the proposer who applies for it, for the benefit of the respective covered persons.
  • The HIV Care Policy can be issued to a group of persons already infected with HIV.
  • Covered patients must be members/beneficiaries of the proposer and availing its treatment/services.
  • There is no age limit for the applicants.
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The Application Procedure

  • Since the policy is for those already infected with HIV, there is a pre-insurance medical test. Cover is provided only for persons whose CD4 count is more than 350.
  • Tests include CD4 or any other test as required.
  • Cost of Pre-insurance Medical Tests will be borne by Star Health

Premium Details

Insured Amount (Rs.) Premium (Rs.)
30,000/- 2,500/-
50,000/- 4,000/-
8,000/-
Note:*Group discounts will be considered based on size and profile.
*Service Tax will be applicable on premium.
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Additional Health Cover under HIV Care Policy (optional)

Insured Amount (Rs.) Premium (Rs.)
30,000/- 390/-
50,000/- 650/-
Note: *Service Tax will be applicable on premium.

Exclusions

  • Expenses incurred in treating HIV.
  • All medical conditions that existed prior to the commencement of cover, except those specifically covered.
  • AIDS confirmation within 90 days of commencement of the policy.
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