The Star Wedding Gift Plan provides a family floater health insurance plan targeted towards newly married couples. Key features include maternity benefits like child delivery expenses, newborn baby coverage, pre and post natal expenses. Other major benefits include hospitalization coverage, day care procedures, room rent subsidies. Premiums can be paid annually or for multi-year periods. Sum insured options are Rs. 300,000 and Rs. 500,000. The plan covers policyholders from age 18 to 45 years old.

1. STAR WEDDING GIFT PLAN
GIFTS inbuilt in the Plan
No Pre medical Hospitalization cover for New Born Baby
Screening illness, sickness , disease Cover
and accident
Pre and Child delivery Post delivery
Post Natal
cover expenses complications
• All other feature benefits of Family Health Optima are available in the
policy Can be given to family size of 2A and 2A + 1C
• Child delivery charges up to Rs.25000 if Caesarean and Rs.20000 for
normal delivery in Rs. 500,000 Sum Insured Option.
• Child delivery charges up to Rs.20000 if Caesarean and Rs.15000 for
normal delivery in Rs. 300,000 Sum Insured Option.
• New born baby is covered from day 1
• Fees for testing congenital abnormalities of the fetus
• Premium can be paid for 1, 2 or 4 years at the choice of the customer.
Mktg – Senior Sales Manager Contact: 0 99946 12916, 0 93628 54443, 0 90430 32916
E.Mail: smstarhealth@gmail.com

2. STAR WEDDING GIFT PLAN
Age at entry : 18 years to 40 years
Renewability : Up to 45 years
Sum Insured Options : Rs 3,00,000 and Rs.5,00,000
Coverage : Family Floater Coverage
Hospitalization Benefit : Cashless treatment or Reimbursement of expenses
incurred owing to illness, sickness or accidents as
inpatient for a minimum period of 24 hours.
Pre Hospitalization : Expenses incurred 30 days prior to hospitalization
covered for reasonable expenses.(Does not apply to
child delivery admission)
Post Hospitalization : 7% of the Hospital expenses subject to a maximum of
Rs. Rs. 5000/-
Waiting Period : 30 days for health related expenses during the first
policy year and 36 months for child delivery
Expenses.
When the policy is purchased for 4 years in one go, child delivery expenses covered
after 24 months.
Non – Allopathic : Rs.25,000 per policy period
Ambulance Charges : Rs.1000/- per hospitalization up to Rs.1500/- per
policy period.
Room rent : 1% of Sum Insured subject to a maximum of
Rs. 4000/- per day.
Day Care Procedure : 15 treatments covered as day care in case of less than
24 hours hospitalization. Treatments are subject to
sub limits.
Cataract Sub limit : Rs. 20,000 per eye subject to maximum of Rs.30,000
per policy period.
Mktg – Senior Sales Manager Contact: 0 99946 12916, 0 93628 54443, 0 90430 32916
E.Mail: smstarhealth@gmail.com

3. STAR WEDDING GIFT PLAN
General Exclusions : Expenses related to Maternity other than child
delivery, Dental Treatment, Diagnostics,
Naturopathy, Lasik laser,
Income Tax Exemption : Deductions under section 80 D is available for all
modes of payment other than cash.
New Born Baby Cover : Expense relating to treatment of the new born owing
To illness, sickness, disease, injury including
Congenital Internal and External disease/defect
Where the new born is diagnosed with Downs’
Syndrome or Cerebral Palsey, a lump sum
compensation is paid.
Pre /Post Natal Cover : Expenses incurred 12 weeks before the date of
delivery and 12 weeks after delivery covered .
Post Delivery : Expenses relating to post delivery complications
First year Exclusions : Deviated Nasal Septum, Benign prostate hypertrophy
Hernia, Hydrocele,Congenital internal disease/defect
Fistula in Anus, Piles, Fissures in Anus, Sinusitis
Nasal Polyps, Renal stone and Gall Bladder stone
removal
First 2 years’ Exclusions : Cataract, Hysterectomy
Dysfunctional Uterine Bleeding (DUB),
Fibroid Uterus, Prolapsed Uterus,
Treatment of Internal Derangement of Knee,
Treatment of Joint, degenerative vertebral and disc,
Inter vertebral Disc Prolapse,
Varicose veins/ulcers,
Mktg – Senior Sales Manager Contact: 0 99946 12916, 0 93628 54443, 0 90430 32916
E.Mail: smstarhealth@gmail.com

4. Policy period for One Year cover [Service Tax Included]
Premium [Rs.]
Option Family
5 Month to 35 Yrs 36 Yrs to 45 Yrs
2A 11,366 11,846
Option I
Sum Insured 3,00,000
2A + 1C 11,620 12,469
2A 15,396 16,192
Option II
Sum Insured 5,00,000
2A + 1C 15,960 16,887
Policy period for Two Year cover [Service Tax Included]
Premium [Rs.]
Option Family
5 Month to 35 Yrs 36 Yrs to 45 Yrs
2A 20,461 21,327
Option I
Sum Insured 3,00,000
2A + 1C 20,918 22,446
2A 27,178 29,147
Option II
Sum Insured 3,00,000
2A + 1C 28,733 30,339
Policy period for Four Year cover [Service Tax Included]
Premium [Rs.]
Option Family
5 Month to 35 Yrs 36 Yrs to 45 Yrs
2A 47,743 49,756
Option I
Sum Insured 3,00,000
2A + 1C 48,808 52,376
2A 64,674 68,011
Option II
Sum Insured 3,00,000
2A + 1C 67,035 71,855
Mktg – Senior Sales Manager Contact: 0 99946 12916, 0 93628 54443, 0 90430 32916
E.Mail: smstarhealth@gmail.com