Diabetes
This policy helps those affected by Diabetes Mellitus Type II and offers insurance protection for treating most commonly occurring complications.

Specifically, it covers the following:

• Eyes: Diabetic Retinopathy requiring laser treatment
• Kidneys: Diabetic Nephropathy leading to chronic renal failure
• Feet: Diabetic foot ulcer requiring micro-vascular surgical correction

The policy covers the cost of treatment up to the limit provided. Its benefits include:

• Hospitalization Cover
• Boarding and room charges at 2% of the sum insured subject to a maximum of Rs.2500 per day in Class A cities and Rs.1250 per day in other locations
• Nursing expenses
• Surgeon's fees, Consultant's fees and/or Anesthetist fees
• Cost of blood, oxygen, diagnostic expenses
• Cost of medicines and drugs

Family Health Optima
This policy gives protection for the entire family on the payment of a single premium under a single sum insured.The sum insured floats among the family members insured.

Senior Citizen Red Carpet
This option provides cover for anyone over the age of 60 and permits entry right up to the age of 69 with continuing cover after that.

• It requires no pre-insurance medical test
• All pre-existing diseases are covered from first year, except those for which treatment or advice was recommended by or received during the immediately preceding 12 months from the date of proposal
• Disease for which treatment or advice was recommended by or received during the immediately preceding 12 months from the date of proposal will be covered from the second year onwards

Super Surplus
Since foreseeing the magnitude of health problems is as difficult as predicting a health problem itself, this policy offers coverage much larger than the ones offered by basic plans.

• This policy is available on individual basis and also on floater basis, covering the entire family
• Family means two adults and two children (children economically dependant and upto 25 years)

Its benefits include:

• Hospitalization Cover : Protects the insured person for in-patient hospitalization expenses for a minimum of 24 hours. These expenses include room and boarding expenses to a maximum of Rs.4,000/- per day.
• No ceiling on ICU, medicine, diagnostic charges or consultation fee.
• Nursing expenses
• Surgeon's fees, Consultant's fees, Anaesthetist's and Specialist's fees.
• Cost of medicines and drugs

Star HIV Care
This insurance policy has been designed specifically for those diagnosed as HIV positive. Its the first such policy for HIV in India. It has several unique benefits and above all ensures care, anonymity and privacy to the policy holders. It provides:

• 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.

Star Gain Insurance
This policy offers both out-patient and in-patient hospitalization expenses cover with maximum tax benefits. Its features include:

• Flat amount of Rs 14,725/- irrespective of the sum insured or age of the persons or number of persons covered.
• Coverage for both inpatient and outpatient treatments under one policy.
• Any left-over amount under outpatient benefit can be carried forward to the next one year.

For further details, you can visit the website www.starhealth.in