Insurance Murthy

Insurance Murthy
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INTRODUCTION : BY H K S MURTHY,

I AM THE SENIOR SALES MANAGER SINCE 2006 ON WARDS WITH STAR HEALTH.
HERE I AM THE HA TRICK PLUS ONE AWARD WINNER FOR THE STAR HEALTH COMPANY IN SALES.
I AM AWARD WINNER OF THE DHANWANATARI FOUNDATION INTERNATIONAL OF U.S.A AND HYDERABAD
I AM THE WINNER OF COMMUNITY AWARD AND ASSOCIATE OF SEVERAL ASSOCIATION FOR THE SOCIAL CAUSE..
A TOTAL 42 YEAR OF IMMENSE INSURANCE EXPERIENCE IN CAPACITY AS AGENT ADVISOR MARKETING EXECUTIVE SENIOR SALES OFFICER SALES MANAGER SENIOR MANAGER WITH BOTH LIFE AND NON LIFE.
STILL KEEP GOING STRONG TO SERVE YOUR NEEDS BETTER.

GET HEALTH INSURANCE WHICH COVERS YOUR ENTIRE FAMILY
FAST CLAIM PROCESSING.& SPEEDY CASHLESS TREATMENT AT SCHEDULED HOSPITAL

S M S H K S M 9449057948 / 9480537948 - FOR HEALTH
FOR GENERAL S M S 9448463418
FOR LIFE S M S 9845764436 / 9886412370 / 9448988132



STAR HEALTH & ALLIED INSURANCE COMPANY LIMITED.
PRODUCT OFFERINGS .
• At Star Health Insurance Services, we believe in enduring relationships with our clients.
• Naturally any guidance, support, resources and services aims at rendering the already established norms in service by focusing YOU in mind!
• Dedicated towards research and committed to self-improvement, Star Health believes in leading the health insurance industry by being an exemplary role model!!
• We have wide range of health insurance covers and a cover for everyone in the family. A few of our policies also cover pre-existing diseases. Following are some of our popular Policies:
MEDICLASSIC INSURANCE:
For Individuals from 5 months to 65 years of age, (renewals up to life time.) We have the MEDICLASSIC POLICY with sum insured ranging from Rs. 1, 50, 000 to Rs. 15, 00, 000/- Riders available are “Hospital Cash” for persons between 5months and 65 years and with lifelong Renewal.
FAMILY HEALTH OPTIMA:
For Families comprising proposer, spouse and dependent children (children up to 25 years with economical dependency) in the age group 5 months to 65 years the Family Health Optima is the most ideal health cover. The sum insured options range from Rs. 3 lacs to 15 lacs and Sum Insured floats across all members of the family ( up to 2 adults and 3 children), thus providing adequate cover at lower premium rates.
SENIOR CITIZEN’S RED CARPET:
For SENIOR CITIZENS between the age group 60 years to 75 years (60 years completed and 75 years 11 months 29 days). The Senior Citizen’s Red Carpet policy is a boon with features like – A policy with guaranteed renewals for the entire life time, without medical examination, coverage of pre-existing diseases with 50% co-pay, for other conditions the co-pay would be 30%. The sum insured options are Rs. 1 / 2 / 3 / 4 / 5 lacs per Individual, with premium as low as Rs. 5000/- for Rs. 1 lac SI including Service Tax. It saves you the trouble of running from pillar to post seeking cover for you aging parents and in-laws.
COMPREHENSIVE INSURANCE:
For Family Floater: A Unique plan that can be called the first of its kind in the Health Insurance Industry that covers Maternity Expenses, Dental Care, and many more. Its special feature on hospital cash and other domiciliary medical expenses reimbursement makes the cover a wholesome and complete. This product can be called the upgraded version of the Family Health Optima Plan and supercedes every other product in the industry
HIV CARE POLICY:
There is a lot of social stigma attached to HIV Positive patients. Our HIV Care Policy has been designed to overcome the social barrier and pay heed to those sufferings. This policy shall be issued to group of persons proposed by Government Agencies, NGOs, Societies and other registered bodies. There is no provision to issue policy on individual basis. Pre-underwriting medical test is a must to ascertain CD4 count. Sum Insured starts from Rs. 30, 000 and goes up to Rs. 1, 00, 000 without any age restrictions. Also there is a provision to cover additional health care, as per standard Mediclassic Policy with a Sum Insured option of Rs. 30, 000/- and Rs. 50, 000/-. Further, the company ensures complete confidentiality of the persons covered under our policy. We are the first company anywhere in the world to come out with a cover for HIV Patients.

DIABETES SAFE:
The DIABETES SAFE Insurance Policy is meant for people disagnosed with “Diabetes Mellitus” Type II and available for persons between age 26 and 70 years (with maximum entry age of 65 years). The policy covers three complications arising from diabetes i.e., retinopathy, nephropathy and foot ulcer. A medical examination is needed and if any of these conditions are not yet set in cover can be availed. The sum insured options are Rs. 1.00 lac, 2.00 lac and 3.00 lacs.
STAR SUPER SURPLUS:
The STAR SUPER SURPLUS Insurance is a policy basically meant to take care of an unforeseen hospitalization needing heavy payment for treatment as In-patient. The claim is subject to a deductible per hospitalization of Rs. 3.00 lacs or 5.00 lacs (as per threshold limit chosen). Age group between 5 months and 60 years, renewable up to 75 years. The policy can be taken even when there is no primary policy. There is no medical examination and a single premium applies across all age groups. These is also a provision to issue policy on Floater Basis. Pre existing disease will be held covered after 3 years of continues renewal with us.
STAR HEALTH GAIN:
The STAR HEALTH GAIN Insurance Policy is unlike most health policies that cover treatment only when admitted as an In-patient. This first of its kind policy affords to cover for Out-patient treatment under Section II, while also paying for In-patient treatment under Section I. The policy can be availed by individuals or a family under a floater. Eligible age group is 5 months to 60 years. The sum insured for age<45 is upto Rs. 5.00 lacs, between 46 & 55 up to Rs. 4.00 lacs and >56 up to Rs. 3.00 lacs. To make it very simple, the premium payable is Rs. 14725/- (incl. Service Tax) across all age groups and for both individuals & families. The section II (OP Benefit) however, varies and depends on the sum insured and age. It is ideal policy for HNIs who wish to avail maximum tax benefits under Section 80 D.
STAR CRITICARE PLUS POLICY:
STAR CRITICARE PLUS Insurance policy aims to provide reimbursement of Hospitalization expenses incurred in a hospital as a result of illness / diseases 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 for the first time during the policy period under Section II of policy. Any person aged between 18 years and 65 years can take this policy and policy can be renewed up to 70 years. Children 3 & 18 years can be covered along with one of the parents. There is a provision to give family discount: 5% up to 2 members and 10% for more than 2 members. Sum Insured ranges from Rs. 2.00 lacs to Rs. 10 lacs for persons beyond 60 years of age at entry level, the sum insured is restricted to Maximum of Rs. 2 lacs with a co-pay of 30% on each and every claim.
STAR ACCIDENT TRAUMA CARE INSURANCE:
The STAR ACCIDENT TRAUMA CARE INSURANCE policy covers accidental death and permanent total disablement under Section I and medical expenses incurred in a hospital anywhere in India for grievous injuries following an accident under Section II for a maximum Sum Insured of Rs. 1 lakh each on both the Sections. The age limit is between 3 years to 70 years. The policy can be availed by individuals or by a group. There is a provision to cover the entire family including dependent parents and dependent children less than 18 years of age. The premium is as low as Re. 1/- per thousand Rupees under Section I and Rs. 3/- per thousand Rupees under Section II.

We also have few more variants to the Mediclaim Policy and insurance policies to cover PERSONAL ACCIDENT –which is a benefit policy and TRAVEL CARE an Overseas Mediclaim Policy to cover various expenses during an overseas travel. We also issue Group Mediclaim and Tailor Made Policies with various riders for Groups of even 20 members also.

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