1. Star Health and Allied Insurance Co. Ltd. Presentation on Star Super Surplus Presentation On Star Super Surplus

2. Star Health and Allied Insurance Co. Ltd. Presentation on Star Super Surplus Major Product Features Wider coverage option of Rs. 7 Lacs and Rs. 10 Lacs for individual Family floater coverage for Rs. 10 lacs Low Premium

3. Star Health and Allied Insurance Co. Ltd. Presentation on Star Super Surplus Age Limits 5 Months – 60 Years (entry age) Renewals can be effected upto 75 years

4. Star Health and Allied Insurance Co. Ltd. Presentation on Star Super Surplus Pre - Insurance Medical Test No Pre – Insurance Medical Test is required

5. Star Health and Allied Insurance Co. Ltd. Presentation on Star Super Surplus Coverages Hospitalization Expenses incurred as an inpatient for Sickness/Illness/Diseases Accidental injuries Note: Please avoid the acceptance of the following risk  Heart Disease  Cancer

6. Star Health and Allied Insurance Co. Ltd. Presentation on Star Super Surplus What is a Hospital? Hospital, Nursing Home means any institution in India established for indoor care and treatment of sickness and injuries and which Either It has been registered with the local authorities and is under the supervision of a registered and qualified Medical Practitioner or Should comply with minimum criteria as under It should have at least 15 inpatient beds (10 in Class ‘C’ Towns). Fully equipped operation theatre of its own wherever surgical operation is carried out. Fully qualified nursing staff under its employment round the clock Fully qualified Doctor(s) should be in charge round the clock.

7. Star Health and Allied Insurance Co. Ltd. Presentation on Star Super Surplus Sum Insured The following Sum Insured options are available for individual Rs. 7,00,000/- (With compulsory deductible Rs. 3,00,000/- per claim) Rs. 10,00,000/- (With compulsory deductible options Rs. 3,00,000/- & Rs.5,00,000/- per claim) For Family floater Sum Insured is Rs. 10,00,000/- (With compulsory deductible options Rs. 3,00,000/- & Rs.5,00,000/- per claim)

8. Star Health and Allied Insurance Co. Ltd. Presentation on Star Super Surplus Deductible This insurance will pay for the hospitalisation expenses, as per detailed policy terms, in excess of Rs. 3,00,000/- and Rs.5,00,000/- respectively. This limit is for each hospitalisation. For arriving at the cost per hospitalisation the expenses incurred on pre hospitalisation are to be excluded

9. Star Health and Allied Insurance Co. Ltd. Presentation on Star Super Surplus Family Package Covers Insured Person, Spouse and 2 Dependant Children upto 25 yrs Sum Insured Rs. 10,00,000/- (With Compulsory deductible Options- Rs. 3,00,000/- & 5,00,000/- per claim) Premium will be the same irrespective of the size of the family as above.

10. Star Health and Allied Insurance Co. Ltd. Presentation on Star Super Surplus Allowable Expenses Room rent & boarding charges subject to a maximum of Rs.4,000/- per day ICU expenses Nursing charges Surgeons, Anesthetist, Medical Practitioner, Consultants, Specialists fees

11. Star Health and Allied Insurance Co. Ltd. Presentation on Star Super Surplus Allowable Expenses (Contd.) Anaesthesia, Blood, Oxygen, Operation Theatre charges, Surgical Appliances, Medicines and Drugs, Diagnostic Materials and X-ray Dialysis, Chemotheraphy, Radiotherapy, Cost of Pacemaker and similar expenses Post hospitalization expenses on a lump-sum basis @ 7% of the actual hospitalization expenses (excluding room rent and hospital registration charges), subject to a maximum of Rs. 30,000/-. Note: The policy does not cover Pre Hospitalisation expenses

12. Star Health and Allied Insurance Co. Ltd. Presentation on Star Super Surplus Premium Rating Sl.No.Scheme Sum Insured (Rs.) Deductible (Rs.) Premium (in Rs. excluding Service Tax) 1.Individual7,00,000/-3,00,000/-3309/- 2.Individual10,00,000/-3,00,000/-4412/- 3.Individual10,00,000/-5,00,000/-3640/- 4.Family Floater10,00,000/-3,00,000/-6287/- 5.Family Floater10,00,000/-5,00,000/-4743/-

13. Star Health and Allied Insurance Co. Ltd. Presentation on Star Super Surplus Exclusions Pre Existing Diseases Any Disease contracted during first 30 days First Two Years Exclusions Knee Replacement Surgery Joint Replacement Surgery Congenetial Disease whether internal or external Injury / Disease arising due to War, Invasion, Act of Foreign Enemy, Warlike operations

14. Star Health and Allied Insurance Co. Ltd. Presentation on Star Super Surplus Exclusions (Contd.) Circumcision unless necessary for treatment of a disease Cost of spectacles and contact lens, hearing aids, walkers, crutches wheel chairs and such other aids Dental treatment or surgery Convalescence, general debility, Run-down condition, rest cure, sterility, venereal disease, intentional self injury and use of intoxicating drugs/alcohol

15. Star Health and Allied Insurance Co. Ltd. Presentation on Star Super Surplus Exclusions (Contd.) Naturopathy Treatment Expenses incurred on Lasik Laser or Refractive Error Correction treatment Hospital registration charges, record charges, telephone charges and such other similar charges. Expenses for Non Allopathic treatment.

16. Star Health and Allied Insurance Co. Ltd. Presentation on Star Super Surplus Other Benefits Benefits under Section 80-D of the IT Act Cashless Service without intervention of TPA Direct Tie up with hospitals on an All India Basis 24 X 7 In-House Call center (044-2826 3300) Toll Free Telephone line assistance (1800 425 2255) Full knowledge based website to offer medical information, including Health Tips. Frequent health meets to disseminate information on health related topics Doctor on Call (Free Consultation with Doctor on phone)

17. Star Health and Allied Insurance Co. Ltd. Presentation on Star Super Surplus Claim Procedure In case of Network Hospitals Immediate intimation to the Call Centre (1800 425 2255/044-28263300) The insured has to send a request for ‘Pre Authorization Form’ signed by the Doctor in the Network Hospital Based on the intimation a field visit will be done by the Star Doctor Pre Authorization will be issued to the Hospital Based on the Pre Authorization and the Report by the Star Doctor, Cash Less Treatment will be given by the Network Hospital

18. Star Health and Allied Insurance Co. Ltd. Presentation on Star Super Surplus 18 In case of Non Network Hospitals Immediate intimation to the Call Centre (1800 425 2255 /044-28263300) Claim form will be sent to the Insured. Based on the intimation a field visit will be done by the Star Doctor Bills has to be settled by the Insured and will be reimbursed by Star on submitting the following documents Original Discharge Summary Main Hospital Bill with Break Up Investigation Reports with X-Ray Film Medical Bills with Prescriptions Claim Procedure (Contd.)

19. Star Health and Allied Insurance Co. Ltd. Presentation on Star Super Surplus Thank You