|
|
|
|
|
Star Package policy is a unique family floater policy which protects your family against various risks and contingencies. It provides a gamut of covers for various health risks, household contents, education grant, travel baggage and public liability all under a single policy. It has 8 sections and you would have to opt for a minimum 3 sections to avail for this policy.
The death, Injury or sickness of a breadwinner or family member can create serious financial problems for any family. Star package insures you against these circumstances. |
|
|
|
|
| 1. Features |
| |
- Covers Hospital Cash, Health Guard, Critical Illness, Personal accident, Education Grant, Householders contents, Traveling Baggage & Public liability.
- Family floater can be opted by paying 50% & 25% of self premium for spouse & children respectively.
- Add-on covers can be opted under Health Guard.
- 12 Dreaded diseases are covered under Critical illness.
- The policy can be taken for maximum 3 years to avoid yearly renewal.
- 10-15% section discount can be availed if 4 or more sections are opted.
- 10-15% Long term discount can be availed if the policy is taken for 2 or more years.
|
| |
|
Top |
| ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
|
| |
| 2. What are the benefits of this policy? |
| |
- Wide coverage from Health to Home.
- Access to over 2400 hospitals all over India for cashless facility.
- No sub-limits applicable on room rent and other expenses.
- Hassle-free claim settlement due to In-house claim administration.
- Income tax benefit on the premium paid as per section 80-D of Income Tax Act* as per existing IT law.
|
| |
|
Top |
| ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
|
| |
| 3. Coverage |
| |
- Age - 3 Months - 55 years.
- Wide range of Sum Insured is available under different cover.
|
| |
| Products |
Sum Insured |
| Hospital cash |
500 to 2500 |
| Health Guard |
100000 to 500000 |
| Critical illness |
100000 to 300000 |
| Personal Accident |
200000 to 500000 |
| Education Grant |
200000 to 500000 |
| House Holder Content |
100000 to 400000 |
| Traveling Baggage |
10000 to 40000 |
| Public Liability |
200000 to 500000 |
|
| |
|
Top |
| ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
|
| |
| 4.Claim Procedure |
| |
1. The illness / claim should be reported to Bajaj Allianz General Insurance Company Ltd. with an immediate notice by telephone or in Writing (email / letter).
2. On receipt of claim intimation, Bajaj Allianz General Insurance Company Ltd. will forward a claim form and check list for the documents to be submitted by the claimant.
3. After receiving the claim form the claimant should submit the completed claim form mentioning the following mandatory details:-
- Insured details (Name / Address / Age / Sex / Contact No. ).
- ID card number and the current policy number.
- Hospitalization details (Date and time of admission and discharge).
- Details of the other mediclaim policies in force.
- Signature of the claimant.
4. The other relevant documents to be submitted along with the claim form are as follows:-
- A photocopy of your previous policy details prior to taking your Health Guard policy from Bajaj Allianz (if applicable).
- A photocopy of your present policy document with Bajaj Allianz.
- First Prescription from the Doctor.
- The Claim Form duly signed by the claimant or family member.
- The Hospital Discharge Card.
- The Hospital Bill giving detailed break up of all expense heads mentioned in the bill. E.g. if Rs.1,000/- has been charged towards medicines in the bill, the names of the medicines, the unit price and the quantity used should be mentioned. Similarly , for e.g., If Rs.2,000/- has been charged towards Laboratory Investigations, then the names of the investigations, the number of times each investigation has been performed and the rate should mentioned. In this way clear break-ups have to be mentioned for OT Charges, Doctor's Consultation and Visit Charges, OT Consumables, Transfusions, Room Rent etc.
- The Money Receipt duly signed with a Revenue Stamp.
- All Original Laboratory & Diagnostic Test Reports. E.g. X-Ray, E.C.G, USG,MRI Scan, Haemogram etc.(Please note that it is not mandatory to enclose the films or plates, a printed report for each investigation is sufficient).
- If the medicines have been purchased in cash and if this has not been reflected in the hospital bill, a prescription from the doctor and the supporting medicine bill from the Chemist has to be enclosed.
- If the insured has paid in cash for Diagnostic or Radiology tests and it has not been reflected in the hospital bill, it is mandatory to enclose a prescription from the doctor advising the tests, the actual test reports and the bill from the diagnostic centre for the tests.
- In case of a Cataract Operation, please enclose the IOL Sticker.
PLEASE NOTE THAT ONLY ORIGINAL DOCUMENTS SHOULD BE ENCLOSED (EXCEPT FOR POLICY COPY), DUPLICATES OR PHOTOCOPIES WILL NOT BE ENTERTAINED
Pre & Post Hospitalization Expenses:-
- Medicines: Mandatory to provide doctor's prescription advising medicines and the relevant chemist bill.
- Doctor's Consultation Charges: Mandatory to provide the doctor's prescription and the doctor's bill and receipt.
- Diagnostic Tests: Mandatory to provide the doctor's prescription advising tests, the actual test reports and the bill and receipt from the diagnostic centre.
- The claims team would assess the claim for completeness of documentation and Admissibility. A written communication would be sent to the insured regarding Requirement of documents if any or if the claim is deemed to be inadmissible as per Policy terms and conditions.
- In case the claim is determined to be admissible a pay order and discharge voucher would be sent to the insured address as mentioned on the policy document.
|
| |
|
|
|
|
|
