Star Netplus Plan

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Star Netplus

	Objective			This is a special policy intended to facilitate better care of HIV positive people at critical stage of the disease.
Suited for			This policy is suitable for HIV patients.
What does it do?			The policy will have to be proposed by government agencies, NGOs, or registered societies serving the cause of persons infected with HIV. The benefits, when payable, will be paid to the insured person. Insured member can make a claim if CD4 count is less than medically prescribed limit for the first time and continues to be so for next 60 days. To put it more clearly, once the clinical examination confirms that the member is suffering from AIDS, claim can be made. It also offers to extend the cover to include hospitalisation expenses under the policy.
Pros			There is no age limit for applicants. Additional option to cover hospitalisation expenses is worthy.
Our View			This policy is recommended. Treatments for the fatal disease require hefty amount, however, the amount paid by this policy will not sufficient. It can only contribute to the total sum required
Eligibility
Entry Age (years)
Minimum		No age limit
Maximum		No age limit
Coverage Type		Individual; if policy proposed by NGO/governmental agencies or registered societies
Policy Term (years)		1
Sum Insured (Rs)
Maximum		50000
Minimum		30000
Pre Policy Medical Check Up		Required to staisfy eligibility criterion at company's cost
Customer Service
Address		Corporate Office: No.1, New Tank Street, Valluvar Kottam High Road, Nungambakkam, Chennai - 60003
Mail to		customercare@uiic.co.in
Call to		1800 425 2255, 044-28288800
SMS		STAR to 56677
Network Hospitals		Http://www.starhealth.in/hospital.php

 

	Scope of Cover
It pays sum insured in lumpsum on confirmation of AIDS

 

	Exclusions and Waiting Period
Pre-existing diseases		not covered unless specifically allowed
No claim period		AIDS confirmation within 90 days of commencement of the policy
Other exclusions		Expenses incurred in treating HIV

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