HISTORY AND EVOLUTION OF HEALTH INSURANCE.  “Health” comes from the Old English word hale. meaning “Wholeness, sound or well”.  Health insurance is generally used to describe a form of insurance that pays for medical expenses.

INCOME WILL BE FROM THE RANGE OF – 15000, – 25000, – EXPENSES WILL BE ACCORDING TO THE INCOME. BUT EACH INDIVIDUAL WILL PLAN TO SAVE SAVING MAY VARY 1000 PER MONTH TO 4000 PER MONTH.

SAVING PER MONTH SAVING PER YEAR SAVING OVER A PERIOD OF 10YEARS CAN WE ASSURE NO MEDICAL EMERGENCY WILL BE REQUIRED IN THIS 10YEARS WHAT WOULD BE THE AMOUNT REQUIRED FOR THIS MEDICAL EMERGENCY ,20,000/-NO DEPENDING ON THE NATURE OF HOSPITALIZATION ,40,000/-NO ,60,000/-NO ,80,000/-NO HOW MUCH WILL ONE SAVE CAN WE BE ASSURE NO MEDICAL EMERGENCY WILL OCCUR IN OUR LIFE WHAT IF A MEDICAL EMERGENCY ARISES HOW MUCH WILL BE THE COST OF HOSPITALIZATION WHAT WOULD BE THE EXPENSES HOW SHALL ONE BEAR THE SAME.

HEALTH INSURANCE - Expenses i.e. Borrow or Manage the expenses by personal loans from friends, family & Banks etc. As it will take care of Expenses incurred during Hospitalization and give security against asset depletion. Self financing Question Is It possible for all to afford it 3 ways to pay Medical Expenses IndividualsOut of pocket External Source Health Insurance

MY ROLE AS AN FINANCIAL PLANNING ADVISOR TOWARDS MY CUSTOMER 40% of the people who are Hospitalized either borrow money or sell assets to cover medical Expenses. 16% of Indians are pushed Into poverty by rising Health Care Costs. Source : World Health Organization

Advantages of Health Insurance Security against Asset depletion Quality Medical Services Need of the hour. Premium Affordability. Total protection covering all medical expenses due to hospitalisation

How much of Health Insurance Coverage do I need? Health ExpenseCost Now In Rs. Cost when you turn inflation) in Rs. Cost of Critical illness in a Quality Hospital CostAverage Cost By-pass Organ transplant Cancer Present age _________ Years left to Age 60 ____________ Suggested Health Plan :_______________________________________________ Sum Insured :_________________________________________ Premium Inclusive of Tax : _______________________________

Health Ailment Approximate Cost Today (2010) in Rs. Estimate Cost 5years (12% inflation) (2015) 10years (8% inflation) (2020) 20years (8% inflation) (2030) Coronary Artery Bypass Graft 1,50, ,00,0002,64, ,05,0003,24, ,64,0006,99, ,65,000 Angioplasty1,00, ,00,0001,76, ,28,0002,16, ,48,0004,66, ,98,000 Organ Transplantation (kidney and liver) 7, ,00,00012,34, ,00,00015,11, ,97,00032,63, ,16,52,000 Cataract25, ,00044, ,00054, ,07,0001,17, ,33,000 Dialysis + Cost of Fluids3, ,5005, ,5007, ,00014, ,000 Chemotherapy (including drugs) 15, ,00026, ,00032, ,00070, ,40,000 Lithotripsy (Kidney stone removal) 30, ,00053, ,00065, ,08,0001,40, ,33,000 Appendectomy40, ,00070, ,41,00086, ,73,0001,86, ,73,000 Maternity Cost (Normal delivery) 20, ,00035, ,41,00043, ,73,00093, ,73,000 HEALTH INSURANCE – Expenses In a Quality Hospital

Health Insurance - Premium Investment??????

Premium Peace of MindPreserve Wealth Security on Savings

HEALTH EXPENSES CHART AS PER YOUR LIFE STAGE PROBABLE HEALTH EXPENSES UNMARRIEDNEWLY MARRIED MARRIED WITH CHILDREN MARRIED WITHOUT CHILDREN MATURED PARENTS60+ ACCIDENTMedium High CRITICAL ILLNESSLow High NORMAL ILLNESS HOSPITALIZATION Low High Low High ROUTINE CHECK UP Low Medium High DENTALLow High Low High MATERNITYNot Applicable HighMedium Not Applicable VACCINATION FOR CHILD Not Applicable HighMedium Not Applicable DOCTOR CONSULTATION FEES, TESTS AND MEDICINES Medium High EYE CHECK UP Medium High HEALTH CARE PRODUCTS Low Medium High Probability of Health Care Expenses High Medium Low Not Applicable

Why Star  First Exclusive Health Insurance company in India.  Business: Health, Personal Accident and Overseas Travel Insurance only.  Innovative Products. Like Senior Citizen, Super Surplus, Diabetes Safe, Health Gain.  In House Claims Settlement.  In-house Doctors – for Hassle Free Settlement.  24X7, Call Centre, Toll Free Number and Highly Sophisticated Web Site.  250 Offices Across India with 5000 Employees  Over 5000 Network hospitals Across India.

Company Introduction Mr.V.Jagannathan Chairman and Managing Director Mr. Essa Abdullah Al Ghurair Prominent Industrialist in Dubai Mr. V.P Nagarajan Executive Director ETA Group Mr. Mohamed Hassan Director Star Health and Allied Insurance Co Ltd Mr. M Y Khan Former CMD J&K Bank Mr. Padmashri D.R. Karthikeyan Former Director of CBI Mr. Dinesh Chandra Gupta, Former Finance Sec. GOI & Member of MRTP –Commission Mr.Sumir Chadha Co- Founder and MD of West Bridge Capital Partners Ms. Vishakha Mulye Managing Director & CEO ICICI Venture Funds.

Message CMD “We Care for Your Health & Wealth” Star’s Strength Products Service