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STAR HEALTH AND ALLIED INSURANCE COMPANY umtrep op. Cope Of 1, Nee Tk Seat voir Kae igh Rs, Ninna, Chas 660 28 mer aot 20s Fn: e PNT ane’ wean han CH OLRM Caleta Yale eaaacn ROA ET Baa ee redone sn Mfeaten Ne RONNGMLTSHAIP RW Z2-14 ‘Tho proposal Docaratlonand other documntsitanygivenby the proposer formthe basis ofthis policy insurance, 'n consideratonofthe premium pad andsubctiotho tana condo as setoutnthe Schule wth al aPas ho Company by isPoicyagres asunder Subjectiotr ams, conditions, exclusions and dtlinscotalnd hari or endorssorethececressodheren, he Company undertake that «ung the period soe the Schedule or ung the coninuance ofthis pley ay renawal teinsured pean shallot any dees or sue ‘any loess herent cal DISEASE) or sustain any body rury tough accent (herein cals INIURY) and such esac ry shall requ ary such inured Person, gone aio oft iy Oued PiyscianMedcalSpocast Medal Practitener hee cakeg MEDICAL PRACTITIONER} cra culy Quid Surgeon fbcinater called SURGECN) io ireur Hospalzaon expense or madelsurgical eaten at any Nursing Home Hospital in ids 3 hein dtined hae called HOSPITAL) asa inpatient te Company wl pay he Insured Person ihe _amountofsuchexpensesasavinsueinaygragateinany onapeidslaed inthe saddeherea, Room, Boating Expersesas provided bythe Hospi Mursng Homeat 1% ofa suminsuodsubjecltoommaxmurolRs4000-pedy, Icuehaeges wp 02% of he sum Insured er day Nersingexpanses. ‘Surgeon, Aneshes, Medical Praciono, Cansutans,SpecastFess subject aman ol25teo ba suminsued per hospi Anaesthesia, ood, Oxygen, Operation Theave charges, SugcalApplances, Medinas and Drugs, Diognes Mater and Xa, ale, ‘Chemebwrany, Redonorpy, costo Pacemaker and sina expensas subjectioa maxinumof50%5o!hesuminswedperhaspatsaon Eneigoncy ambulance charges a sm of 8.60 per hasptlaon and ovcal imi oR 1200 pet ply pti er arspeaon ofthe Insied person by pial alarce serio hen his is needed or medal reasons ogo la hast fr etre provided such asian laiisodmissiteasperinePokey. ‘sum oqivalen a 7% othe hesialsatn expenses incre compris of Nuing Charges, SurgeodConsukent fous, Diagnostic charges, Iadnes and dugs only subject toa. minum of RSSOOG: per eccrence awards post hespalsaton medical expensive wherever recommenced bylneatendngedzalPratonec t hore Package rates are charge hos the Pos Hosplactan Bene cled of hig loa ana boarding charges at Rs 400 pr day n l Expenses on Hosialzaion fe ivmn pled of 24 tos ae ass, Hones tis tine nt wl et pp fr Das, Chenoa, Radioteropy, Cara sureny Dana Sugary Lihotisy Key lone removal ensilelony, Cling and Dring of Abscess, Liver Aoatn. Pleural fusionAspraton Colanoscopy Strohernhy, ken mine Hospl Nurs Home and neues edecharaes onthe same cay ‘To amountpayalerespectothe oonng estes up-othe lint mentored ter. agins Catarac surgery Rs.150008 spel ofone orboth yes inthaeniepotcy pod Lops Koy toe removal) -Rs-20,000/- Tnsilestomy Rs 7.500 CutaandDvainingAscoss- Rs. 500! LiverAspiion-Rs 20001 Pleural cfusionaspiationRs 2000. Calonoscopy-Rs 200 Sclerteraphy-R5.5 0001. Providedthe waiver ofherinimompovodot2shearshosplaistonistiiedothesbovencledteaiments any, Thwtapesespieinivingtie oie pole esiespeoteatvng sessions statesmen tan mesg Sum ose, Lint fe cana Lay Rel T5000 soon 1 o.90n. ‘yeaa 1. T5003 150,000 150.00 170.000 10.004 2on.aon Son000. ‘tag.00. San.000- ‘00000 2inano: Spang” Breskage of Bones T Al Ober Major surges | Noe: Compan’ ait inrespect of al sims admit dc he period ofinsurance shal nt exceed the Sum insured per person mannan he Schoaule Accident Acedentl means sudden uforesaonardinourtaryevert caused by exemal vista vientmeas. Any Onlliness means contawous perodaf es aniline eens win 45 dys roth dale olastconsuaion wah the HospalNursng Home \whortretmanthasbeen taken, Ocaurence ota sameness air alapsoof 45 day as ald shove ile considered as es iles orth pupose of thispoly, ‘Company rea SarHealh andl esurance Corgan Lied ‘Company nea Sar Healt andAlied insurance Company Lived ‘Condition Precedent shal mean apotcyemor condton upon wich be neues laity andre pos enteral upon Congenital intenaimeans congenital aroma whchisnain te visileandacoessbe pats ofthe body CCongenitalExtemnal means congeitalanomaly whic snthevisbleandaccesseparsofthebady (Co-Paymentisa cost herng requirement under aheah insurance poly thal roids athe polcyhlderinswredwllbearaspeiedgecenlags ofthe _arissible cm amount. Aco-paymenldovsnotracuce the Sum sues, Day Care Treatment means medical estmen, and: igi procedue hich undertaken under Genetlor Loca Anesbeiainabaeialiay cae ‘conte ines than 24 fs because of technological sdvancent, and which would have ohense equed a hospitaizaton of moe than 24 hous. "roatnentnonmaly inten on anout palontbasisisotindudedintho scope cts setatian, Diagnosis means Disgnos by rgistered medial practioner, support by cic, raloycal ad isles st patokycal ad abraory ‘evince and also sual evidence wherever splat accestble tothe Conpany. Disclosure to information norm mens the poy shal be vid end all remium pai hereon shal be freed fo the Carga, nthe even of isrpreseniatn, mi-dascrptn orron-slosure ofan mateo, Grace Period mesnsthe speed pend cftine meaty olowirg he penium due date ing hich apaymentcan bemadetoreneworeaninuea ayn fore wits of ontnty beefs such as walngperads ani coverage pre-existing diseases, Coverages rol avaiable he et for ‘whet na premiumisrecaved. Hospital Nursing Home means ay instulon esabshed for inlet care and cay care teaiment of Hines andr ips and wich has bean regitored asa hss wih th local auhoiis user he iricalEslabishrets(Regsraton and Regulaion) Act. 2010 or unde Be enactments ‘speciiod under the Schedule of Secton $6} ola saisAd OR comps wilh mismamcieriaasunder 4. Hesqualed nursing staf urderitsemploymentroundteclock: b. Hasatleas! 1ingatentbedsintowashavingapoputtioflessthan 1000000 and atleast Sin patenbedsin alter laces; (© Hosqualiesmacicalpracttina(s)nchegeround ihe clk, 4, Has afuly equippedeperatonteareols can wher surgical poceauesarecariedout ‘Marans alyrcordsefptens and mates thee accesso the insurance comgony’sadhorzedptsomel InsuredPersonmesnstenanesof person stowninthesceduleothe Poy In-Patientmeans an isuredPerson whois ated ts Hospital andstys here oramcimu pti 2 haus orth soe prpose of caving treatment *Iotnsive Care Unit nea an identified secon, ward x wing ofa hospital wh is under th constant supenision ota descaled meal practioner an hich i specaly equipped fer the cortnusus metering a reatmant of paints who an acta candtion,ereque ie suppor acites end whore level care and supersionsconserabiy are sophisicaledansiniesie han inthe cenyandther ards Note: Such facilymustteseparataandapastrom sical recovery oomard omroons' beds and wars cstomaily sed fr palentcoinament Majo Surgery incu bunt ed orn Prna, ngs baa, ese ebstueon tt ace and sub ae, coon suas, prose sureties, Hower sugetes teeing nephrectomy enreat suger, Givaqsany relipsugery esi rattionr's oson wo hols 8 aid isan fam he Hex Caure any Se teal Cou of a or Con for ion edie rr Homeepty othe Goverment air a Stale Goreeertanaitae beled practised wits sd s selng iin sapeanjrdiconctinene Network Hospital means a such hosts, dy care centers or other provers that he Company have muna agreed wih, o provide senics ke cashless ozs topokyholdas. Tholts avai il be Conanyandsbjettaamondnientom tine oti. Non Network Hospital mans ny hosp. day arecuters or ter roi tals olgartttne net Portability means raster by an nal heal surance ploy holder (tung family cover othe cred gained pre-existing condos and tine bound exclusions also cheass snc om ore nswortaanather Pre-Exising Disease or condition means any conto, alent orruy related condition(s) er which teinsredhad ss or symptoms andor were -dagnosed and received medial adie frestment wibin4Barihs proriothelasued’sestpoly wh ay Ian ise Post Hospitalization means Neda Expenssncuredinmediatel ate heinsured persons charged om he ost rove ha: 1 Such Masia Expenses arincuned a ho samo conilon fr wih ensure person'shospilaizatonwasequedand . Teinpatinthasitalaton clainorsvchbositakaston's admis hineurance company ‘Quatted Nurse is aperscawhohs vali reistatin fromthe Nusng Gouna of darth Nursing Counlofny stain Reasonable and Customary charges msansa choge or modal caro which habe considered reasonable nd mcassary the extontaitdoes nt exceed te generale of charges baingmade by cers of sinir stag nthe local where charge since when frshing keer comparable ‘eaten, sriesor supp oindvdvals ote sre rex and comparable age, fora sfrdisease ness, ecicalcoitionoruy. Room Rentmeansine amount chaigedbyahospial rte ocupancy of abedon peda 2dr) bss ad shalntdeasocstsmecialerpenses, ‘urgerytSurgical Operation means manu anf eoratv procedure forcrreson of delat and defects, repair oes, gnosis ond cae of diseases, roof of suing and prlongaton cif, perormedhostlor day carecenerbyamedcalpractoner. “Tho Company shal nt be alo make ry paymeisunde is ayn respect fey expenses wal 0 ever ates by ny nue prs in ‘envecionviharinaspecto 1. Al roan dase as dado th poly exiig nd sulle by th sued perso fr hich etna raise wes recommend of received dr mediately pecacing 12manh oho dat props 2. ry dsoate contacted by es insur parson drag he rst 20 days om the commencement date ofthe poy. This estusin shall no apy in ‘asp of he rsued ptson having bon covered under any hea insurance poly (dial or Group sirance poy) wih any of the nan Inswance companies oraconieuousperodofprocading I2ronkhswihautabreak rng th Fito Yoarsof continuous cparafon of nsurarca cover, the expenses on Veale of Calavact,Hysteeciny or Mohair Fyonyoma, Knee Replacement Sugery (ahr than causd by an accident Replacement Surgery (oer tan caused by an accen), Prolapse ofinlenetebrl csc foher han caused by aeciden, Yareose wins and Varios ule. Dicng the fest year of peraton of he Insurance cover he expenses on teal of diseases such as Benign Prose Hypertrophy. Hea, Hykocole, Congenital ner season Fistula n aus, Pes, Seuss anéreated disorders galsones androna stone removal 50% ofeach and every ceo aring oul of al pe-ensing diseases as defined and 30% nase ol ober aims which ae to be bom by te Insure, Clans or veatmeniatoniongo-netorkeshospi APreHospaliatanEsgenses InunyDisesse recty rine caused by o:atsing fem orsttutabeto War, nvasin,ActotFoelgn Enemy, War Ke oparaton (wheter waa ecxed orn. Cieumesion wes necessary er Westmont ofa esse not excUdes hereunder or as nay be necesita dato an ace, vacaton {excep for veatmet on pos ler neovteno change of cr cosmetic sestolckeaiant fay deseipion, pase sugary oer Ian as aye neonssated due to sn acidentoras parton hss, Costof spectacles and conten, hearrgaids, waters crches, wheelchairs endsuchthe ss, Destalreanentor surgery ofan krdunlessnecesstaled eto accenalinjais andrei hosptalzaon, ‘Comalescene, genera billy, mena sores Run down candten or est cae, congenial extemal disease or defects or noma, sey, ‘voreealdseaeintrtional sanju and usecfintxicaling égslalaha, Alexpensessrishg cut of any conden deal onde caused uf oF ssodoted wilh human Teal Lymph epic Yin ype I HTLV or lyymghadnopaty Associa Vis (LAV) ore Mutant. Detivatve of Vaatens Dellency Syndrome or any Syne er condtan oa sior ad coment rtaresio as ADS, Charges incre at Hest or Nursing Heme peal for Diaghose, Xa o labcaloy Examinators nt cori wh ringette dagoss and teciment tho gesibe silence o presence of any amon, sickness F Inu, fr which confinement is request Rospl usinghone, Exponss nian anders ules farming pao esimenlerinury or dseaseas cafe heallendeg Physician Iuryor Disease decor indkety causes ty orcontbuted to byrucesrwesponinateals almant axing om or tacsatle fo pregnancy, cidbith, mvscarige,aburon or eonpcalons of any of les incutng caesarean ‘edie exci estore pregnancy Rawat Treat Hostal reqitatoncharges.recochargestelephene charges anésuch ther charges, EsponsesincurafonLaskLasoror Ractive rr Corctinteatinnt Expenses incuted on woot cont services nding surgical procedures for teatant of bes, medical Yeatment or weit contolioss| Programs Expensesincurad orteaimantfdiseaseslnoss/ocridotalinuiosby systems orescines ctor han Atopic. Or enponsesasdetalodclsonhereinte potey ‘The premium payable under his pokey shalbe payable avance, Norecept cf pemaum salle vali except onthe cia mote corpany ‘sito a dy authenio fia ea company. Tha duo puyentfpremiun anda cbsevaneo of funantof etn, provision, condos ‘andendorsements ths oly bythe Insured Person, nso aras tha leo nyingobe doa orearpd why the rauredPecsn, sha be ‘8 contin preceden! to ay ably of te Compan to make any payment under his poli. No waver any lems, proven condos, and cendorsoents otis pay hallbo all unless ade inwling sd signed yan auazot fia of te Company Upon haggenng of any event, wrich may lee oa claim urider his poy. oe wi ul prculars shale sent in fe Company itn 2¢ hours rome tine of Death, uy Hogplasaton, Cli must loath 15a) tom hele of charge rom the Hospital "Note: isc contin precedent ioatissionotabillyunderibe acy. “Tho Istred Person slob anduish te Company wd lloras, recep andthe osu upon wich lins based ands alsgivethe Company such atonal niormatonaracsitanca at Company may requeln dealing wire clam Docunenistobe sumed supprtofcaimare~ ForRelinbursementClaim Duly completed caimfonn snd PreAdmissonfvesgatios ans eter paper ‘isharge Summary tome hosptalin crit Cashes hosp charts ‘Cash recits ondreporsteress done Receipts rmocors sugeons,anesthetst Cotfcste ttm be tending dcoregarding te dlagneti. ForCashless Treatment: Presripionsandecips for Prand Post hospi, Note:The Conpanyresores the igntocalfoaddionaldocumentswheroverequced Incase of delay in payment of any cin hat hasbeen amie ns psyatio under he Poy lems and conto, beyond the ie prod ms escrbad under IRDA (Potion of Poleyholfers Regulator, 2002, te Compary sale Hale o pay treat ao which 2% atove Ne bark rae provaln atte bgering of hernia yarn hich be Carls approved by tho Company Forth purpose ol couse enka shollmean ho existing bankrateas oti hy Reserve Bankal nl, unos extntrogutin requires payment basedon sone br presciod ‘orestrat, ‘Ay mail pracener authorized by the Company tal be allowed lo examin the Insite Parson nce anya in ox dseases ‘eqn hospazaon hen anda ena the same easonabiybereiredonbehiaofie CpatyatCompan/s Cot ‘Where any adnissible claim event fas under 2 poly prods, the renewal poy sun sured tal bo taken in acount reins seer ‘Where he pocyis tot renewod then the apleaberenenedpemium sal be doducesfrembne clam andthe ci shlle process aking both poly suminsred ‘The Company sal ate lol nae ey payment under th pe nrespoct of sy aif nlrmationkished ath tine fproposalisound ‘bbe neore:torfse ar auc cai isinanymenner raat or supported by ony rebdlert mean or eves, mistepreseniatn wheter byte ‘rsutodPetsonocbyany ober person acing ontisbeall Renewal: The gocy wl be renewod except on rounds of msepresetatonaud commited. nrespest of disease!scknessltnes for which tlanishashaveboen ras, te suminsured wl bast hal ploy suminsurod wrote cemiswasiro rad, ‘Aarace peri of 0 days Fm the dato expity of he oy is vate for ene I enenal is made itn is 30 dys petite conti ‘of bonelis willbe alowod, However tho aul prod of ove wl lat only Kom the dae of payment of promi. noe words no rotations 2ralablebolneen he policy epic esiae tha dale ol payment peur ence Free Look Period: Afeelook tia 5 days em he dat of ecu of th lcs avast a he insurers th les an contin of Iho pely. Incase th insured is slid wi th tems nd condos, insured may Seck cancion fhe poly and inauchan eventhe Company shal alow rund of premium pat ater ajsting tho cost of prenedcal seering i any, stamp dy charges and proportion sk ‘premium forthe psinconcemed povided dai hasbeen made unl suchcanceatn, Freelockcancaitionisnolappcableatinetme renee pty, Portability: This acy is paiable he insureds dasecusl pain is poly asian te propriate fom shoukste made before 4 days tome dato whon trees ve, For dal onc pratystaoathn or call Totphona Ne 91 D4-25286855, CCaneeltion: The Conpany may cance is poe on ound of miseprestnaton, feud, moral hazed, non discbsure of rata facto ron ‘xopetaton by te insured paso, by sending te Insured 39 days notice by registered llr tthe sted person's st own ess. The Insured maya ay ime cancel hs pole ad insuch event the Corny shal alow und ater alaing rerum l Company’ shot peidrale ny Cae given below provide noclamhasoccureduptotedaleotcanclion ‘RATE OF PREMIUM TO BE RETAINED {dona pram ‘sofamalpeoion| ‘4h otal penn Excess mes Fulamalpenin ‘Automatic Termination: This poly shall eminent one earer ofthe flowing event: ‘Upon the death of tesa Person in which case the Company wl refund premio alse proatabasis forthe united aro subjetiere being clam underthepooy. 1 Uponeshausionftresuminsured ary cspule or erence shall rio as ob quantum tobe paid under is Poicy [Faby being otherwise admit) such dileence shall independent ofl oer quesicns be ered tothe decision ofa slater tobe appointed in wring bye partes othe sputifrence, | iftsey consol agree upona ingle ata win 30 dayscf ary par invoking aitafn, he sae stall relewedo a paelatnee artis, comprising of wo abittors, one to be pponted by each fhe pats ln dputatfrence and to tiara: tobe gppined by sch No tits, Nbiraion salle conducted under andin accordance wih the prvsons fhe Arivalon and ConcaanAey, 1998, Its dearly egreed and undersiood hat no decree ov ipl eal be oer oan a hereinbefore prove, the Company nas

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