• Any person aged between 18 years and 40 years can take this insurance.
• Economically dependent children aged from 91 days to 25 years can be covered with one or both parents
• Family means self, spouse and economically dependent children not over 25 years of age
• In case of economically dependent children, when they complete 25 yrs of age, a separate policy has to be taken. In such an event, continuity of benefits in terms of waiting period will be provided
• Proposer plus spouse with 3 economically dependent children in total maximum of 5 can be covered under the Policy on “floater” sum insured basis
• Renewability: Lifetime

• Health Insurance Proposal form
• KYC Documents: CKYC Detail/ID Proof & address proof (PAN & Aadhar)
• For Net banking – Not Applicable
• For Mobile banking – Not Applicable

Condition Precedent to Admission of Liability

• The terms and conditions of the policy must be fulfilled by the insured person for the Company to make any payment for claim(s) arising under the policy

Documents for Cashless Treatment

• Call the 24 hour help-line for assistance - 1800 425 2255/1800 102 4477, Senior Citizens may call at 044 40020888
• Inform the ID number for easy reference
• On admission in the hospital, produce the ID Card issued by the Company at the Hospital Helpdesk
• Obtain the Pre-authorisation Form from the Hospital Help Desk, complete the Patient Information and resubmit to the Hospital Help Desk
• The Treating Doctor will complete the hospitalization/ treatment information and the hospital will fill up expected cost of treatment. This form is submitted to the Company
• The Company will process the request and call for additional documents / clarifications if the information furnished is inadequate
• Once all the details are furnished, the Company will process the request as per the terms and conditions as well as the exclusions therein and either approve or reject the request based on the merits
• In case of emergency hospitalization information to be given within 24 hours after hospitalization
• Cashless facility can be availed only in networked Hospitals. For details of Networked Hospitals, the insured may visit www.starhealth.in or contact the nearest branch In non-network hospitals payment must be made up-front and then reimbursement will be effected on submission of documents.
• Note: The Company reserves the right to call for additional documents wherever required. Denial of a Pre-authorization request is in no way to be construed as denial of treatment or denial of coverage. The Insured Person can go ahead with the treatment, settle the hospital bills and submit the claim for a possible reimbursement.

For Reimbursement claims: Time limit for submission of:

• Sr. No	Type of Claim	Prescribed Time Limit
  1	Reimbursement of hospitalization, day care and pre hospitalization expenses	Claim must be filed within 15 days from the date of discharge from the hospital
  2	Reimbursement of Post Hospitalization	Within 15 days from completion of 90 days from the date of discharge from hospital

Notification of Claim: Upon the happening of the event, notice with full particulars shall be sent to the Company within 24 hours from the date of occurrence of the event irrespective of whether the event is likely to give rise to a claim under the policy or not.

• Note:Above conditions are precedent to admission of liability under the policy. However the Company will examine and relax the time limit mentioned in these conditions depending upon the merits of the case.

Documents to be submitted for Reimbursement: The reimbursement claim is to be supported with the following documents and submitted within the prescribed time limit;

• Duly completed claim form, and
• Pre Admission investigations and treatment papers
• Discharge Summary from the hospital
• Cash receipts from hospital, chemists
• Cash receipts and reports for tests done
• Receipts from doctors, surgeons, anesthetist
• Certificate from the attending doctor regarding the diagnosis
• Copy of PAN card
• Note: Call the 24 hour help-line for assistance - 1800 425 2255 / 1800 102 4477, Senior Citizens may call at 044 40020888