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  • Star Netplus Insurance Plan

    Star Netplus Insurance Plan

    A special policy catering to HIV positive persons who are, more often than not, socially isolated and disowned by family members across the country. The benefits under the policy will be paid to the insured person only if it is proposed by Non-Governmental Organisations (NGOs), government agencies or registered societies involved in the care and treatment of HIV-infected persons. The HIV Care Policy can be issued to a group of persons already infected with the disease. Covered patients must, however, be members of the proposer.

    Features & Benefits of Star Netplus

    Entry Age No age limit
    Coverage Type Individual
    Sum Insured Maximum is Rs. 50,000; minimum is Rs. 30,000
    Medical Screening Required to ascertain contraction of the ailment. The costs will, however, be borne by the company
    Waiting Period AIDS confirmation (CD4 test) within 90 days of commencement of the policy.
    Annual Premium Insured Amount Rs. 30,000 (Rs. 2,500)
    Insured Amount Rs. 50,000 (Rs. 4,000)
    Lumpsum
    • Lumpsum is paid if the stage of AIDS experienced by the person is the first incidence and symptoms appear after 90 days of the commencement of the policy
    • Only one lumpsum will be paid to the insured person in his or her lifetime. The cover will then be terminated and not renewed
    Claims Procedure
    • The claimant has to undergo the confirmatory test for AIDS (CD4 count test or other relevant tests as suggested by the panel doctor).
    • Claim can be made if the CD4 count is less than the medically prescribed levels for the first time and continues for the next 60 days, following which, the person is declared to suffering from AIDS.
    Benefits
    • For the first time in India, an insurance policy has been formulated specifically for HIV-positive individuals.
    • Policy ensures anonymity and privacy to the insured
    • There is no need to submit bills or receipts. Lumpsum will be paid by the company to the insured if the aforementioned prerequisites are met
    • Offers financial support for better health care of HIV-positive persons at the critical stage of AIDS
    • Is a unique policy in that many insurers consider HIV as an exclusion Policy also offers the option of extending medical cover for hospitalization
    Exclusions
    • Expenses incurred in treating HIV
    • Pre-existing medical conditions

    The following table shows the premium under the additional health cover (optional) provided by the policy

    Insured Amount Premium
    Rs. 30,000 Rs. 390
    Rs. 50,000 Rs. 650

    Other Health Insurance Plans from Star Health Insurance

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