Star Health and Allied Insurance Co. Ltd. are specialists in the health insurance sector. They deal with basic health insurance plans, overseas mediclaim policies and personal accident plans. Since they focus on only one insurance type, they have various plans that are specific to major health conditions that people might need financial protection from. This includes plans for cancer, diabetes, cardiac care, etc. Star Net Plus is a special policy that has been designed for HIV patients.
The eligibility criteria laid out for this particular plan is quite broad and does not specify any age restrictions for entry into the policy or renewal of the policy.
This unique plan has features that help HIV-infected patients manage their medical expenses.
The plan offers certain benefits for individuals who possess this particular policy.
|Benefits||Section-II (Medical Section)|
|Room rent and boarding expenses||2% of sum insured|
|Ambulance charges||Up to Rs.750 per hospitalisation and overall limit of Rs.1,500 per policy period|
|Pre-hospitalisation expenses||Medical expenses up to 30 days prior to the date of admission to the hospital will be covered|
|Post-hospitalisation expenses||7% of the expenses incurred up to a maximum of Rs.5,000 will be provided|
Certain medical conditions and expenses are not covered by this plan.
Requests for claims should be made within 15 days from the date of discharge from the hospital. The insured individual should furnish all bills, receipts and other documents required by the company. Any additional information or document required by the company should also be provided for the claim to be processed.
Reimbursement claims: The company should be intimated about the hospitalisation and the claims should be filed within 15 days after discharge. The documents that need to be submitted are the claim form, pre-investigation and treatment papers, original discharge summary, cash receipts from the hospital and chemist, cash receipts and reports of tests, receipts from doctors and surgeons, and diagnosis certificate from the attending doctor.
Cashless treatment: The policyholder also has the option of availing cashless hospitalisation at network hospitals across the country.
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