Why should I buy Star Net Plus plan?

Net Plus by Star Health is the perfect choice for you if you have been already infected with HIV. The plan will not only pay the sum insured as lump sum amount in case of a valid claim, but also cover nursing expenses, room & boarding charges, emergency ambulance charges, and other costs. All in all, if you are a HIV infected patient, Net Plus plan will not leave you feeling stressed because of your medical expenses.

What is the entry age for Star Net Plus plan?

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

What is the eligibility criteria for Net Plus plan?

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.

What are the sum insured options under Star Net Plus plan?

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.

What is the minimum and maximum premium under Star Net Plus plan?

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.

What is the waiting period in case of Star Net Plus plan?

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.

What are the key features of the Star Net Plus plan?

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.

What are the non-insurance benefits that Star Net Plus offers?

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.

Does the plan include pre-acceptance medical screening?

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.

Does Star Net Plus cover emergency ambulance charges?

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.

Star Net Plus Health Insurance Wordings

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Highlights

Cashless Approval TAT	Within 2 hours
Claim Settlement Ratio	99.10%
Network Hospitals	14,000+
Pre-existing Disease Waiting Period	1 year
Special Benefits	No Extra Premium for Disease Coverage
Starting Premium for Rs. 5 lakhs SI	Rs. 410/month

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Star Net Plus Brochure

2.47 MB
PDF Document
Apr 18, 2019

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Family DeliteMin: 5 Months; Max: 65 Years	2 Lakh	Check Premium
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Red CarpetMini: 60 Years; Max 75 Years	1 Lakh	Check Premium
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Medi Classic Insurance PolicyMin: 5 Months; Max: 65 Years	2 Lakh	Check Premium
Cancer Care Gold Min: 5 Months; Max: 65 Years	3 Lakh	Check Premium
Star Health GainMin: 91 Days; Max: 65 Years	1 Lakh	Check Premium
Special Care Min: 3 Years; Max: 25 Years	3 Lakh	Check Premium
Criticare PlusMin 18 Years; Max: 65 Years	2 Lakh	Check Premium
Family Health OptimaMin: 16 Days; Max: 65 Years	3 Lakh	Check Premium

Star Health Insurance Top Up List

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Super SurplusMin: 91 Days; Max: 65 Years	5 Lakh	Check Premium
Star Hospital Cash Insurance PolicyMin: 91 days; Max: 65 years		Check Premium

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FAQs on Net Plus Health Insurance Plan

Why should I buy Star Net Plus plan?
Net Plus by Star Health is the perfect choice for you if you have been already infected with HIV. The plan will not only pay the sum insured as lump sum amount in case of a valid claim, but also cover nursing expenses, room & boarding charges, emergency ambulance charges, and other costs. All in all, if you are a HIV infected patient, Net Plus plan will not leave you feeling stressed because of your medical expenses.
What is the entry age for Star Net Plus plan?
Net Plus plan does not possess any specific age restrictions for entry or renewal.
What is the eligibility criteria for Net Plus plan?
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.
What are the sum insured options under Star Net Plus plan?
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.
What is the minimum and maximum premium under Star Net Plus plan?
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.
What is the waiting period in case of Star Net Plus plan?
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.
What are the key features of the Star Net Plus plan?
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.
What are the non-insurance benefits that Star Net Plus offers?
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.
Does the plan include pre-acceptance medical screening?
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.
Does Star Net Plus cover emergency ambulance charges?
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.

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Claim Process at Star Health Insurance

Network Hospital
Non-Network Hospital

1
Claim Assistance
For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
2
Claim Intimation
Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 48 hours prior to admission.
3
Claim Processing
Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
4
Claim Settlement
Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.

1
Claim Assistance
For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
2
Claim Intimation
Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 48 hours prior to admission.
3
Claim Processing
Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
4
Claim Settlement
Once your request for reimbursement of expenses is approved, the claim will be settled.