Star Health and Allied Insurance Company Limited. Corporate Office: No.

1, New
Tank Street, Valluvar Kottam High Road, Nungambakkam,
Chennai - 600034. Ph: 044-28288800. Insurance is the subject matter of solicitation.
IRDA Registration No: 129

Star & Allied Health General Insurance is India’s First Stand-Alone Health Insurance
Company in India. It specializes in Health Insurance that deals with Personal
Accident, Mediclaim and Overseas Travel Insurance, with a capital base of Rs.108
crores, more than what is adequate to form a General Insurance Company. One of the
collaborating partners is Oman Insurance Company which is one of the leading
Insurance Companies in the Middle East and is headed by Mr. Jagannathan, Chairman
and Managing Director of the organization. The salient features of Star & Allied
Health include:-

About Us
Our Vision:
PROTECTING HEALTH, PROMOTING HEALTH

Our Mission:
Ultimate Customer Satisfaction

Trust and Ethics:

We believe that along with the essentials of honesty and integrity, a strong customer
focus and reliability are key to our success.

Teamwork:
Led by stalwarts of the insurance industry, the team blends vast industry expertise with
high service standards to provide you the best of healthcare options.

Conducive work environment:

To create an environment that will continuously spark innovation and maintain customer
satisfaction, and which will prove irresistibly attractive to the best talent of the Insurance
Sector.

Commitment:
We are committed to become a STAR in health and related insurance by offering our
clients the utmost flexibility to create a plan that's right for them. And by offering
affordable financial protection that effectively addresses their long term health needs.
Our excellence in customer services consistently backs our industry expertise.

Message from CMD:

Click here for our CMD's message.

Capital Structure:
Star Health and Allied Insurance Company Limited (Star Health) has a capital base of
Rs.303 crores, more than sufficient to form a General Insurance Company. However, Star
Health has chosen to be in the field of Health. It is India's first stand-alone Health
Insurance Company in India and deals in Personal Accident, Mediclaim and Overseas
Travel Insurance.

Performance
Total Premium upto the month of March 2010 is Rs. 960 crores

Public Disclosure
2006 - 2007
2007 - 2008
2008 - 2009
2009 - 2010
2010 - 2011 Q1
2010 -11 H1

Exclusive Features:
Cashless service without TPA intervention the USP of the Company
Direct tie-up with hospitals on all India basis
Free General Physician Consultation over phone. Doctors on duty 24x7. By quoting
the policy number, any person can contact our Doctor on the toll free number 1800
425 2255 for medical advices
24x7 in-house Call Center
Toll free telephone assistance
Complete knowledge backed website to offer medical information, including health
tips.

People Behind Star: PROMOTERS

Oman Insurance Company is one of the leading Insurance

Companies in the Middle East.
Mr. Syed Mohamed Salahuddin - Chairman - Emeritus.
Managing Director of ETA ASCON and ETA STAR group
of Companies in Dubai, U.A.E. He has bagged Pravasi
Bharatiya Samman Award for 2006-07 of Government of
India from Dr.A.P.J.Abdul kalam, Former President of
India.
 Mr. Essa Abdullah Al Ghurair hails from the prominent Al
Ghurair family in the U.A.E.The family has been ranked as
one of the world's richest by Forbes magazine. .

A few enterprising industrialists, industry experts and business houses in India.

BOARD OF DIRECTORS
Mr. V. Jagannathan, Chairman and Managing Director.He is
a doyen of the Insurance industry with over 40 years of
experience in Insurance. He has held various positions of
authority, including that of CMD of one of India's largest
Public Sector insurance companies.

Mr. Essa Abdullah Al Ghurair was educated in San Diego,

USA. The Al Ghurair family has business interests in
Banking, Food & Beverages and Real estates.

Dr. M. Y. Khan has a Doctorate in Business Management

(PhD) from Burkes University in UK. He is currently the
Chairman of the Banking and Advisory council of YES
Bank Ltd., after a stint as the Chairman of J&K Bank. He is
also a Director on the Board of Bharat Hotels and an
Advisor for Berenson & Company, New York. Prior to J&K
Bank, Dr. Khan was the Managing Director of J&K Agro
Industries Development Corporation and Managing Director
of J&K Tourism Development Corporation for five
years.Dr. Khan was nominated as member of the
Chattisgarh Economic Advisory Council - Government of
India. He is also a Member of the Banking and Financial
Institutions Committee of FICCI and Member of the
Managing Committee of Indian Banking Association ,
Mumbai. Dr. Khan has received several prestigious awards
notably "Udyog Rattan", "Pride of India & IMM" for
excellence as top professional manager, "Excellence
Award" by Institute of Economic Studies and "Star
Achievers Award" among several others.
Mr. D. R. Kaarthikeyan started his career as a lawyer and
later entered the IPS. He held various prestigious positions,
including Director of Police Academy - Mysore, Chief of
Intelligence, Security, Karnataka State, Director General of
Central Reserve Police, Director of the CBI and Director
General of the National Human Rights Commission. He is
currently a visiting professor in many prestigious
institutions. Recognising his meritorious services,
Government of India awarded him the Police Medal and the
President's Medal for Distinguished Services.He was the
Chief of Special Task Force instituted by Government of
India in the Rajiv Gandhi assassination case. He has also
authored a bestseller, 'Triumph of Truth - Rajiv Gandhi
Assassination
Mr. V.P. Nagarajan is the Executive Director of ETA
ASCON and ETA STAR group of Companies
headquartered in Dubai, UAE. He is a Chartered
Accountant, Cost Accountant and a Company Secretary by
profession and has been with the ETA Group for the last 2
decades. He currently handles the investments, new
business initiatives and projects of the Group.

Mr. Mohammed Hassan is a prominent educationalist and

industrialist and has wide knowledge in the respective fields
for over three decades.

Mr. Dinesh Chandra Gupta is an eminent I A S Officer of

1967 batch of Orissa Cadre. Mr. Gupta is basically a Post
Graduate in Commerce with additional qualification in Law
and Social Sciences. He had a distinguished career and
served in various positions spanning over a period of more
than four decades. His notable assignments were
Secretary (Expenditure) Government of lndia, Ministry
of Finance
Secretary (Banking & Insurance) Government of lndia,
Ministry of Finance
Finance Secretary & Secretary, (Expenditure)
Government of lndia, Ministry of Finance
Finance Secretary & Secretary (Economic Affairs),
Government of lndia, Ministry of Finance
Member, MRTP Commission
 K.S.Jangbahadur has a Bachelor’s degree in Mechanical
Engineering from the Institute of Technology, Banaras
Hindu University and an MBA from the Indian Institute of
Management, Ahmedabad

KEY PERSONNEL
Mr. T. N. Santhanakrishnan, Executive Director.He has wide experience in the
banking sector and various other fields. He has served as CEO, Principal and
Programme Director- Investments/Treasury/Credit and Joint General Manager of
large public sector banking institutions.
Mr. S. Sundaresan- Executive Director - He has a rich experience in all the operations
of General Insurance Industry. He retired as General Manager of a leading public
sector insurance company after serving the company for four decades. At present he is
taking care of entire Claims operations of the Company, Satellite claims offices ,
Customer care center, Co-ordination for marketing, etc., for Karnataka and Western
region and work relating to Government projects.
Mr. V. Jayaprakash - Executive Director - He qualified as a lawyer and has a rich
experience in all segments of Insurance industry. He retired as General Manager of a
leading public sector insurance company. At present he is taking care of entire
Marketing co-ordination of the Company,Publicity,HR and Administration,legal and
direct supervision of Hyderabad , Cochin and Government and Corporate business of
Delhi office headed by Mr.P.C. Tripathy.
Mr. S. Ramaswamy, Chief Financial Officer.He is a Senior Chartered Accountant
with over 27 years of work experience in Insurance.
Mr. C. M. Kannan Unni, Vice President - Company Secretary.He is a Chartered
Accountant and Company Secretary by profession. He has more than 25 years of
experience in finance as well as information technology management.
Mr. K. C. Kumar,MBA., Vice President - HR & Admin. He has 24 years of banking
experience including 3.5 years of overseas exposure.
Mr. A.M. Mallesh, Vice President - Marketing.He is a Post Graduate in Economics
has 20 years of rich experience in General Insurance Industry coupled with 6 years of
IT exposure. He has been recognized by conferring Mother Theresa Award for
Excellence in Insurance Field.
Mr. Anand Roy, Assistant Vice President - Marketing.He is an MBA from a premier
institute and has over 8 years experience in Sales & Marketing in the insurance and
banking sectors.
Mr. Vishwajeet Mohnot, Assistant Vice President - Marketing.He is an MBA and has
25 years of rich experience in General Insurance industry.
Mr. H. Srinivasan, Assistant Vice President Technical.He has finished his Post
graduation in Management.He is a fellow of Insurance Institute of India. He has 26
years of experience in General Insurance industry.
Mrs.D.Rama, Assistant Vice President - Product cell. She is a post graduate in
economics with more than 2 decades of experience in general insurance field.
Mr.S.Kannan, Assistant Vice President - IT. He is a Charted Accountant having three
decades of rich experience in Finance and IT in the General Insurance field.

Toll Free: 1 800 425 2255

Star Health brings you
this Unique insurance
policy with
unique benefits for - coverage for both future
ailments / diseases and for pre existing diseases /
conditions. There is no pre acceptance medical
screening.

The comforts and

luxuries of today’s life
come at a price -
the price of uncertainties. Of the
uncertainties, health of oneself and one’s
family is of prime concern. Add to this, the
fact that medical expenses are getting dearer.
One ailment is all it takes to wipe out years
of savings

An accident or a health crisis

can have serious implications.

It could lead to a severe financial setback that erodes

your careful saving. You need a buffer in the form of
accident and life insurance to minimise the adverse
impact due to an accident/disease.
Star Health and Allied
Insurance presents a
policy that helps those
affected by
Diabetes Mellitus Type II and offers
insurance protection for treating most
commonly occurring complications

Family Health Optima

from Star Health is a
health insurance
plan that gives protection for the entire
family on the payment of a single premium
under a single sum insured.The sum insured
floats among the family members insured.It's
just one more way to tighten the family
bonds.

STAR Health is proud

to introduce India's first
health
insurance policy aimed at senior citizens.It
provides cover for anyone over the age of 60
and permits entry right up to the age of 69
with continuing cover after that.It is our way
of caring for a generation that has done so
much to build the country.

Star Health brings you

Super Surplus
Insurance. It offers
coverage much larger
than the
ones offered by basic plans. So, matter what,
you are always prepared to face the most
unfortunate of health eventualities in the
family.
For the first time in
India, an insurance
policy that's been
designed specifically
for those
diagnosed as HIV positive.Star HIV Care
Policy hasseveral unique benefits and above
all ensures care, anonymity and privacy to
the policy holders.

With the perfect balance

between insurance and
tax
benefit.Star Health Gain is the policy just for
you. Despite a reassuringly low premium, it
offers both outpatient and inpatient
hospitalization expenses cover with maximum
tax benefits. Sure enough, the best of both
worlds is now yours.

Star Criticare Plus

Insurance from Star
Health is a policy that
aims to provide reimbursement of
hospitalization expenses incurred as a result
of illness/disease/sickness and/or accidental
injuries and also provides for a lumpsum in
case the insured person is diagnosed with a
major illness as listed in the policy

Accident Care
There are many types of accidents that can happen suddenly, or that one may be
particularly exposed to the risk of. The consequences could be serious - ranging from
disabilities to weeks of hospitalization. By way of prudence and caution, you should
be suitably insured according to your standard of living. STAR Health Accident Care
Insurance provides compensation in the event of death, permanent disability and
injuries suffered due to accidents.

Accident Care Benefits

Accidental death
Permanent disability total or partial following an accident
Temporary total disablement the Insured Person is eligible for a weekly benefit
at 1% of Capital Sum Insured (following an accident) subject to maximum of
Rs.5000/- per week for a 100 weeks

Free Benefits
Educational grant to children at Rs.5000/- per child and Rs.10, 000/- for 2
children (maximum 2children)
Transportation expenses of the mortal remains of the insured up to a maximum
of Rs.3000/-
Travel expenses of one relative up to a maximum of Rs.1000/- to the place of
accident

Student Insurance
Under the pressure to perform and to compete, and coping with the dynamic pace and
complexity of the modern world, students are more vulnerable to illnesses. Star
Health has a policy that not only reimburses hospitalisation expenses, it can also
enable the student's education to continue despite the demise of an earning parent. It
also grants compensation in the event of death or disability of the student. Star
Student Care Insurance Policy is available separately for School and for College
students. Schools and Colleges respectively can avail of this policy.

Who can take this student health insurance?

Students can be covered between the age of 3 years and 18 years under SCHOOL
STUDENT CARE INSURANCE & between the age of 15 years and 25 years
under COLLEGE STUDENT CARE INSURANCE
Schools, Colleges and other Research institutions can avail the policy
Sum Insured for Basic Cover (Death and Permanent Disability):
School Students - Rs.50,000/-
College Students Rs.1,00,000/-
The sum insured can be increased in multiples of Rs.10, 000 up to a maximum of
Rs.1, 00,000 at an additional premium of Rs.0.60 per mille

Student Care Benefits

Accidental death
Permanent total disability following an accident

Additional Benefits of the student insurance policy

Hospitalization cover for Rs.5000/- is available under all student care insurance
 Educational grant to students is available in case of death or permanent disability
of the earning parent / guardian up to Rs.5000/- for a school student and Rs.10,
000/- for a college student. This amount can be availed once during the policy
period

Travel Insurance

All of us tackle problems well

when you are in an alien land,
dealing in home currency,

and are braving a very different climate, any problem

starts to seem like a daunting challenge. During travel,
you are adapting to the weather, the time zone change,
the pronunciation, and the food among other things.

There is a world of
exotic sights and
sounds that brings us
pleasure when we
holiday
abroad with our families. And just as
important to us is every member returning
home safe and sound.here is a need to
protect the family from risks that may be
merely inconvenience.

Star Health has a As expanding

Student Travel Protect businesses reach out
Insurance Plan that across the globe,
offers a wide range of frequently their key
benefits to those taking up studies abroad. personnel
As students traveling overseas are already travel overseas. There are many hazards to
coping alone they need help particularly as face in modern travel, and these could range
medical treatment abroad can be from lost baggage, missed flights, accidental
prohibitively expensive in most cases. injuries and so on.

Travel Insurance
 All of us tackle problems well
when you are in an alien land,
dealing in home currency,

and are braving a very different climate, any problem

starts to seem like a daunting challenge. During travel,
you are adapting to the weather, the time zone change,
the pronunciation, and the food among other things.

There is a world of
exotic sights and
sounds that brings us
pleasure when we
holiday
abroad with our families. And just as
important to us is every member returning
home safe and sound.here is a need to
protect the family from risks that may be
merely inconvenience.

Star Health has a As expanding

Student Travel Protect businesses reach out
Insurance Plan that across the globe,
offers a wide range of frequently their key
benefits to those taking up studies abroad. personnel
As students traveling overseas are already travel overseas. There are many hazards to
coping alone they need help particularly as face in modern travel, and these could range
medical treatment abroad can be from lost baggage, missed flights, accidental
prohibitively expensive in most cases. injuries and so on.

Health Plus Life Combi Policies

health are on the rise.

 On one side, there are life threatening
ailments, on the other side , There are ever
increasing medical expenses. But when it
comes to life and health, your most valuable
asset, you should never settle for anything
less than complete protection.

A simple foresight can help

you and your family a lot.

Star Health and Allied insurance Co. ltd, and Shriram life
Insurance Co. Ltd, Present Star Shri family Care, a policy
that offers both life and health cover, with the increasing
number of life threatening diseases and the mounting
medical expenses, you need complete protection that
Star Shri family Care offers.

Corporate Solutions
One of the contemporary practices in positive HR is to handle all the healthcare
matters for the company personnel so that in turn they can dedicate themselves better
to the organization's goals. India's first Health insurer, Star Health offers customised
solutions to meet your Company's requirements.

Why should you choose Star Health Insurance to manage your employee health
insurance portfolio?
Large Hospital Network
STAR Health has a large number of more than 4,500 network hospitals across the
country offering CASHLESS treatment to its members.
Experienced Personnel
All our Managers have prior experience in implementing and servicing large
Health insurance schemes. They are very well versed with the claim processes.
This will ensure a smooth & effortless transition.
In-house Claims Processing
STAR Health has its own medical officers and technical staff to handle the
network provider claims as well as the reimbursement claims. Our experienced
staff will adjudicate the claims in a speedy manner and reduce turn around time.
This also means that your employees will have a single point of contact - No more
depending on any Third Party for claims related issues or ID cards
Cost Containment through Case Management and Medical Audit At Star Health
we understand that hospitals bills are a major cause of concern for corporates.
 Field visit professional monitor the health status of the member by visiting
hospitals directly. The medical audit conducted periodically on hospitals will help
in ascertaining the quality and cost of care provided by the network hospitals.
Medical services offered by in-house doctors
Medical Authorization
Medical Case Management
Medical Outcome Audit
Medical Scrutiny
Random Inspection at Network Hospital
Record Verification at Network Hospitals
Rationalization of Tariffs at Network Hospitals
24x7 Doctor on Call
STAR Health offers round the clock General Practitioner advice and medical
counseling to its insured members. All that your employees have to do is call our
toll free helpline number-1800 425 2255.
24x7 Call Centre
STAR Health's 24x7 in-house call centre is accessible through a nation wide toll free
number - 1800 425 2255. Your employees can call the call centre for assistance in
information on:
Network hospitals
Support services in an Emergency
Coverage eligibility
Claims- documentation support, query handling
Claims settlement status
General information on health insurance plan

Help Desk
STAR Health can place a dedicated, 5 days a week, client-service executive for
conducting Help Desk services inside the premises of your company. The client
service executive at the help desk will provide seamless and prompt delivery of the
following services:
Attending to the queries of the employees and HR Dept.
Attending to the queries of your employees at the network hospitals at the time of
hospitalization
Hastening the process of pre-authorization during emergencies.
Follow up with the enrolment and claims management team, to provide responses
in record time
Conducting employee orientation and induction programs on the health policy.
Information on network of diagnostic centers, hospitals and nursing homes
Protocols of reimbursement in case of in-patient services availed outside the
network hospital.
Collection of the claim documents from the members for non-network claims
Generation of documentation checklist, recording the deficiencies in the
checklist, communicating deficiencies to the members and recovery of the
deficient documents from the members.
Comprehensive Report on Utilization
Rural Micro Health Insurance
The greater percentage of the Indian population lives in rural areas which have very
limited healthcare facilities. The tragedy is when any illness or disease affects them
there is no source of finance available to them to meet the expenses. This pushes them
further into debt. A right solution therefore is a Health insurance which provides
protection at affordable rates within their capacity to pay. Star's Micro Health
insurance policy precisely fits into this requirement.

Pre-Existing Diseases / Illness

Are covered after 48 months of continuous insurance with us

Benefits
Hospitalisation cover: In-patient hospitalisation expenses for a minimum of 24
hours. Includes room rent, boarding and nursing expenses with maximum limit of
Rs.150/- per day subject to Rs.5000/- per hospitalisation
Surgeon's fees, Consultant's fees, Anaesthetist's fees upto a maximum of
Rs.4500/- per hospitalisation
Cost of blood, oxygen, diagnostic expenses, pace-makers, artificial limbs,
medicines and drugs, etc subject to a maximum of Rs.4500/- per hospitalisation
Emergency ambulance charges for transporting the insured patient at Rs.350/- per
hospitalisation and Rs.1000/- per policy period
Total expenses payable under all heads are limited to Rs.15,000/- per
hospitalisation and to Rs.30,000/- per policy period

How much to pay

Premium (Exclusive of ST)
Age Band
per annum (in Rs)
5 - 25 Yrs 275
26 - 35 Yrs 350
36 -45 Yrs 425
46 - 50 Yrs 500

Tax Benefit
Amount paid by any mode other than by cash for this insurance is eligible for
relief under Section 80D of the Income Tax Act.
Government Projects
STAR HEALTH has been venturing into many futuristic and far-reaching social
initiatives to bring millions of people into the fold of Health Insurance. It has
successfully worked in collaboration with Government and public agencies to ensure
medical coverage for a large number of ailments to Government/Public sector
employees, farmers, artisans, members of Welfare board and several other low
income groups for whom Insurance was hitherto not in their visionary.
The most notable highlights of this ongoing endeavour from Star Health are the
Aarogyasri Scheme implemented in Andhra Pradesh and the Kalaignar Insurance
Scheme for Life Saving Treatments launched in Tamil Nadu.

Aarogyasri Scheme in Rural Andhra Pradesh

Tamil Nadu Government Employee's New Health Insurance

Kalaignar Insurance Scheme