Star Netplus

Star Netplus

For the first time in India, an insurance policy that’s been designed specifically for those diagnosed as HIV positive. HIV stands for Human Immunodeficiency Virus. It is the virus that causes AIDS. AIDS develops when the immune system of a person with HIV becomes very weak as a result of HIV infection.

There is a lot of social stigma attached to HIV, largely due to ignorance and misconceptions about the disease. This has resulted in HIV positive patients being isolated and neglected often by their own family members. Star HIV Care Policy has been devised to overcome these social barriers and pay heed to those suffering. It’s a policy with several unique benefits and above all ensures care, anonymity and privacy to the policy holders.

This policy fills the gap where all other policies and insurers treat HIV as exclusion.

Unique Benefits

• Complete confidentiality of the covered persons ensured.
• No bills/receipts. Lump sum is paid at one go once the claim is made.
• Facilitates better health care at the critical stage (AIDS) with financial support.
• This policy fills the gap where all other policies and insurers treat HIV as exclusion.
• Extension of medical cover for hospitalization as an option.

Who can apply for it?

• The policy will have to be proposed by governmental agencies, NGOs, societies or other registered bodies serving the cause of persons infected with HIV. The benefits-when payable, will be paid to the proposer who applies for it, for the benefit of the respective covered persons.
• The HIV Care Policy can be issued to a group of persons already infected with HIV.
• Covered patients must be members/beneficiaries of the proposer and availing its treatment/services.
• There is no age limit for the applicants.

The Application Procedure

• Since the policy is for those already infected with HIV, there is a pre-insurance medical test. Cover is provided only for persons whose CD4 count is more than 350.
• Tests include CD4 or any other test as required.
• Cost of Pre-insurance Medical Tests will be borne by Star Health

Premium Details

Insured Amount (Rs.)	Premium (Rs.)
30,000	2,500
50,000	4,000
8,000
Note: *Group discounts will be considered based on size and profile. *Service Tax will be applicable on premium.

Additional Health Cover under HIV Care Policy (optional)

Insured Amount (Rs.)	Premium (Rs.)
30,000	390
50,000	650
Note: *Service Tax will be applicable on premium.

Exclusions

• Expenses incurred in treating HIV.
• All medical conditions that existed prior to the commencement of cover, except those specifically covered.
• AIDS confirmation within 90 days of commencement of the policy.

Claim Procedure

• The claimant has to undergo the confirmatory test for AIDS (CD4 count test or any other relevant tests as may be advised by medical practitioners).
• If the CD4 count is less than the medically prescribed levels for the first time and continues for the next 60 days and after a clinical examination, the person is declared to suffer from AIDS - the person is eligible to make a claim under the policy.
• Once a claim has been settled under the policy, the insured is not eligible to be covered under such a policy again.

Benefits of availing this policy

• 24 hour Help-line
• Company's web enabled services giving health tips to customer
• Free General Physician advice
• Cashless facility if the treatment is taken in any Network Hospital

How to buy this insurance?

• Please contact us through our Mobile 099946 12916, 93628 54443 / SMS / Marketing & Sales Manager