Star Net Plus Health Insurance

The plan provides the individuals with the required coverage so that they can fight the battle with the illness. As mentioned above, the plan provides a lump sum amount under Section 1 and in-patient expenses under Section 2, listed below are the coverage benefits that the policyholders can avail under in-patient expenses:

• Nursing expenses are included under the plan
• Cover for the surgeon, consultant, medical practitioner, or specialist’s fee
• Expenses related to blood, oxygen, anesthesia, surgical appliances, etc. are included
• Room and boarding charges as informed by the hospital or nursing home at 2% of the Sum Insured
• Medicines and drugs, diagnostic materials and x-ray, chemotherapy, radiotherapy, cost of a pacemaker, etc. are included
• Emergency ambulance charges up to Rs. 750 per hospitalisation and a maximum of Rs. 1,500 per policy period
• Pre-hospitalisation expenses incurred for up to 30 days before the date of hospitalisation
• Post-hospitalisation expenses up to a sum equivalent to 7% of the hospitalisation expenses including nursing charges, surgeon or consultant’s fee, etc. maximum up to Rs. 5,000 per hospitalisation

Apart from the basic coverage features, this plan also offers some more perks that you don’t pay extra for. These are listed below-

• Hassle-free direct claim settlement
• Cashless hospitalisation in network hospitals
• Tax saving under Section 80D of the Income Tax Act 1961 

Considering the benefits of the plan, it seems to be a perfect one for people carrying HIV and fighting towards eliminating its roots. With so many coverage features, it can be observed as a boon for them.

To buy this plan online, you can shortlist one from the leading health insurance brokers and get in touch with them at the earliest. Why online is preferred because it helps you purchase a policy quickly and easily and lets you decide what you pay for, which is not the case where an agent is involved. Also, the offline process has chances of misinterpretation of information.

Net Plus plan does not possess any specific age restrictions for entry or renewal. 

The eligibility criteria for the plan includes: i) A person who is infected with HIV but hasn’t reached the stage of AIDS. ii) The CD4 count should be above 350. iii) The proposer can be an NGO, government, or agency that is active in serving people who are affected by HIV.

Under section I i.e. HIV Section, the minimum sum insured is Rs. 5000 and the maximum sum insured is Rs. 50000. For section II i.e. Medical Section, the minimum sum insured is Rs. 10,000 and maximum sum insured is Rs. 50,000.

The minimum premium is Rs. 735 and the maximum premium is Rs. 4650. Note that the premium is calculated on the basis of sum insured.

In case, the illness/disease/condition specified in the policy incepts or manifests during the first 90 days of the inception of the policy, no claim for compensation will become payable.

Star Net Plus policy can be issued to individuals already infected with HIV. Furthermore, cost of pre-medical tests is borne by Star Health and as far as the confidentiality of the insured individual is concerned, it is maintained in a complete manner.

The non-insurance benefits of Star Net Plus include direct in-house settlement without the need of TPA, faster and hassle-free claim settlement, network of more than 6000 hospitals, free medical advice over phone, 24X7 toll free helpline, and others.

Yes, pre-acceptance medical screening is performed to confirm HIV infection. Additionally, it is carried out to ensure that the insured individual has not already reached the stage of AIDS.

Yes, Net Plus provides emergency ambulance charges up to a sum of Rs. 750 per hospitalisation and overall limit of Rs. 1500 per policy period for transportation of the insured person by private ambulance service.