Policy Document

Star Health And Allied Insurance Company Limited
Date : 16-Feb-2024
To, IMPORTANT
LALIT KUMAR ,
Village- Bharrapur
Post- adhasi
District- auraiya
Auraiya Tehsil,Uttar Pradesh-206247
Mobile : 7417219494
Dear Customer,
Re: Health Insurance Policy - 11240706382300
We are extremely thankful for availing health insurance from us and we enclose the policy along with the terms and conditions.
The said policy has been prepared based on the details furnished by you in the proposal form (copy enclosed) and the medical
reports, wherever applicable. We shall thank you if you can verify the policy to ensure that all the details are incorporated
correctly as per the proposal. In case of any discrepancy noticed, please communicate the same to us immediately. You will
appreciate that it is the primary duty of the proposer to fill the proposal form and also to make sure that the proposal contains
all the details correctly so also the policy has incorporated the details correctly.
This insurance policy is subject to various exclusions including exclusion for pre-existing diseases and conditions in this policy.
If there is suppression of any material fact in the proposal, the contract shall become null and void abinitio.
We would like to mention that we have incorporated the name of the intermediary as indicated by you in the proposal who will
be of assistance to you.
The policy is subject to the condition of “free look period”. As per this condition, a free look period of 15 days from the date of
receipt of the policy is available to you to review the terms and conditions of the policy. In case you are not satisfied with the
terms and conditions, you may seek cancellation of the policy and in such an event, we shall allow refund of premium paid
after adjusting the cost of pre-acceptance medical screening, if any, stamp duty charges, and proportionate risk premium for
the period on cover, provided no claim has been made until such cancellation.
We wish you good health and we look forward to serve you in the days to come.
With kind regards,
Authorized Signatory
In case of a need for hospitalization, kindly prefer our network hospital (list is available in our website) for a quick response to
your claim request.
Please select the room as per your eligibility stipulated in your policy to avoid additional payment from your
pocket towards the proportionate increase which would invariably be charged by the hospital for the higher
room category occupied.
Sum Insured of this Policy is meant for utilization till its expiry.Bearing this aspect in mind,we have no doubt,you will choose
appropriate hospital,room rent and treatment charges etc.
Should you need any assistance, our customer care will be delighted to assist you ,whose toll free no. is
1800-425-2255/1800-102-4477.
However,the ultimate decision will be that of yours only.
This is an electronically generated document(Policy

Schedule).
Page 1 of
Regd.&Corporate Office:1,New Tank Street,Valluvar Kottam High Road,Nungambakkam,Chennai - 600034,Phone : 044 -28302700 / 28288800
Toll Free No:1800-425-2255 / 1800-102-4477,CIN : L66010TN2005PLC056649 Email :support@starhealth.in Website :www.starhealth.in
IRDAI Regn.no: 129
Star Health Assure Insurance Policy

Unique Identification No. SHAHLIP23131V022223
POLICY SCHEDULE
Policy No. : 11240706382300 Previous Policy No :
Customer Code : PI0005045228 GSTIN : 09AAJCS4517L1ZW
Customer Name : LALIT KUMAR SAC Code : 997133 / Accident and Health
Insurance Services
Proposer Code : PI0005045228 Issuing Office Code : 623011
Proposer Name : LALIT KUMAR Issuing Office Name : Branch Office - Etawah
Proposer Address : Village- Bharrapur Issuing Office Address : NO. 321, PURBIA TOLA ROAD,
Post- adhasi NEAR K.K. INTER COLLEGE
District- auraiya ETAWAH,
Auraiya Tehsil Uttar Pradesh UTTAR PRADESH - 206001
206247 Etawah Tehsil Uttar Pradesh
206001
Phone No : 7417219494 Phone No : 8533889960/05688297664

E-mail Id : sdwivedis1978@gmail.com E-mail Id : saurabh.kumar@starhealth.in,
Proposer GSTIN : NO Place of Supply : Uttar Pradesh

Proposal date : 16-Feb-2024 Fulfiller Code : SH73869
Date of Inception : 16-Feb-2024
of first policy
Policy Category : New Intermediary : BA0000814123
Collection No : 623011/RV/2024/0108855545
Code
Collection Date : 16-Feb-2024
Premium : Rs. 7,152/-

Name : ASHUTOSH
CGST @ 9% : Rs. 644/-

Phone No :8052023502/805202350
2
:
SGST @ 9% Rs. 644/-
E-mail Id : VIJAYSRIVASTAV632
@GMAIL.COM
Total Premium : Rs. 8,440/-
Stamp Duty : Re. 1/-
Total Premium In Words : Rupees Eight thousand four hundred forty only
PERIOD OF INSURANCE : From : 16-Feb-2024 14:26 To : Midnight Of 15-Feb-2025 Policy Term :1 Year
Installment Facility Option:Yes Premium Payment Frequency :Quarterly Installment Amount Rs. : 2,110/-
Policy Type : INDIVIDUAL
Details of Insured Persons:

Age Relation Sum Optional
Sl Name of the ID Card No Claim Inception
Gender Date of Birth in with Insured Cover Deductible
No Insured No Bonus Date
Yrs Proposer Rs. (Deductible)
LALIT KUMAR PI00050
1 Male 16-Dec-1981 42 Self 5,00,000 0 No 0 16-Feb-2024
45228
Pre Existing Disease : No PED Declared
Entered by : CUSTPORTAL This is an electronically generated document(Policy For Star Health and Allied Insurance Company Ltd.
Approved by : PORTAL Schedule).
IRDAI Regn.No.129
Corporate Identity Number L66010TN2005PLC056649

Authorised Signatory Page 2 of
Email ID: info@starhealth.in
IRDAI Regn.no: 129
Attached to and forming part of Policy No: 11240706382300

Installment Schedule :
Installment Cycle No Installment Payment Amount Installment Due Date Installment Status
1 2,110 16-Feb-2024 Paid
2 2,110 16-May-2024 Pending
3 2,110 16-Aug-2024 Pending
4 2,110 16-Nov-2024 Pending
The following Conditions shall apply.
i. Grace Period of 7 days would be given to pay the iv. No interest will be charged lf the instalment premium
instalment premium due for the policy is not paid on due date.
ii. During such grace period, coverage will not be v. ln case of instalment premium due not received
available from the due date of instalment premium till within the grace period, the policy will get cancelled.
the date of receipt of premium by Company.
vi. ln the event of a claim, all subsequent premium
iii. The insured person will get the accrued continuity instalments shall immediately become due and payable.
benefit in respect of the "Waiting Periods", "Specific
Waiting Periods" in the event of payment of premium vii. The company has the right to recover and deduct all
within the stipulated grace Period. the pending installments from the claim amount due
under the policy.
Nominee Details:
Nominee Details for the Proposer Appointee Details
S.No Name Relationship Age % of the Appointee Name Appointee Relationship
with proposer claim Age with nominee
1 Chandra shekhar Brother 37 100
Sector Classification:
Rural
Please check whether the details given by you about the insured person(s) in the proposal form are incorporated
correctly in the policy schedule. If you find any discrepancy, please inform us within 15 days from the date of
receipt of the policy, failing which the details relating to the insured person given in the policy schedule are deemed
to have been accepted by you.
Warranted that in case of dishonor of premium cheque(s), the Company shall not be liable under the policy and the
policy shall be void abinitio (from inception).
THE INSURANCE UNDER THIS POLICY IS SUBJECT TO CONDITIONS, CLAUSES, WARRANTIES,
EXCLUSIONS ETC., ATTACHED.
Important
In the event of hospitalization of insured person, intimation should be given to the Company immediately,
however, within 24 hrs from the time of admission.
IRDAI Regn.no: 129
Toll Free No : 1800 425 2255 Email: support@starhealth.in, Fax No: 1800 425 5522.
In witness whereof the undersigned being authorized by and on behalf of the company has set his hand at Branch
Office - Etawah on 16th Day of February 2024.
IRDAI Regn.no: 129
Hospitalisation Benefit Policy

Premium Certificate for the purpose of deduction under Section 80 D of Income Tax (Amendment) Act,1986
Policy No : 11240706382300 Type of Policy : Assure Insurance-2021
Issue Office : 623011-Branch Office - Etawah
Address : NO. 321, PURBIA TOLA ROAD,

NEAR K.K. INTER COLLEGE ETAWAH,
UTTAR PRADESH - 206001
Etawah Tehsil Uttar Pradesh 206001
Tel / Fax : 8533889960/05688297664
Email : saurabh.kumar@starhealth.in,
This is to certify that LALIT KUMAR has paid Rs 2,110/- (Total Premium : Indian Rupees Two thousand one
hundred ten only ) towards Premium for Hospitalization Insurance vide Policy No: 11240706382300 for the
Period 16-Feb-2024 To 15-Feb-2025 issued on 16-Feb-2024.
Payment received by Payment Gateway vide Receipt No: 623011/RV/2024/0108855545/1 Receipt

Date: 16-Feb-2024
Note :- This Certificate must be surrendered to the Insurance Company for issuance of fresh Certificate in
case of Cancellation of the Policy or any alteration in the Insurance affecting the Premium.
Date : 16-Feb-2024 For and on behalf of
Place : Branch Office - Etawah Star Health and Allied Insurance Company Ltd.
IRDA Regn.No.129
Corporate Identity Number L66010TN2005PLC056649 Authorised Signatory
Email ID: info@starhealth.in
IRDAI Regn.no: 129
Star Health and Allied Insurance

Company Limited
Customer Identity Card
Policy No : 11240706382300
Name DOB Gender Customer id

LALIT KUMAR
16-Dec-1981 Male PI0005045228
Valid From : 16-Feb-2024 Agent/Broker/TE Code : BA0000814123
Office Code : 623011 TA/SSM/SM Code : SH73869
IRDAI Regn.No:129
Emergency Help Line No.1800 425 2255/1800 102 4477
e-mail : support@starhealth.in Website : www.starhealth.in
Please quote the Customer Id No. for assistance
This Card is valid until otherwise Cancelled.

This ID Card is invalid,if the insurance cover is not in force.
Immediate Intimation to 'Star' through above Tel Nos. is a must in case of
Hospitalisation.
At the time of hospitalisation,kindly submit any Government approved photo ID

Card.
Corporate Identity Number : L66010TN2005PLC056649
*This is a temporary ID card issued along with the policy. Original ID card will be dispatched shortly.
IRDAI Regn.no: 129
Tax Invoice
Invoice No. : 092402I002850572 Customer ID : PI0005045228
Invoice Date : 16-Feb-2024 Policy No. : 11240706382300
Recipient Supplier
GSTIN : GSTIN : 09AAJCS4517L1ZW
Name : LALIT KUMAR Name : Star Health and Allied Insurance Co Ltd -
Branch Office - Etawah
Address : Village- Bharrapur Address : NO. 321, PURBIA TOLA ROAD,
Post- adhasi NEAR K.K. INTER COLLEGE ETAWAH,
District- auraiya UTTAR PRADESH - 206001
City : Auraiya Tehsil Pin Code : 206247 City : Etawah Tehsil Pin Code : 206001
State : Uttar Pradesh Client : IND State : Uttar Pradesh Place of : Uttar Pradesh
Category supply
Taxable IGST @ UT/SGST @ CESS @ Total Invoice

Total Discount CGST @ 9%
Value 18% 9% 1% Value
HSN / SAC Description of
Code Service(s) F=C*
D=C* E=C* G= C * H=C+D+
A B C=A-B UTGST or
IGST CGST Cess E+ F + G
SGST
Insurance
997133 7,152.00 0 7,152.00 0 644.00 644.00 0 8,440.00
Services
Total Invoice Value (in Figures) : Rs. 8,440/-

Total Invoice Value (in Words) : Rupees Eight thousand four hundred forty only
Amount of Tax Subject to reverse Charge : No
Important Note:
The invoice is issued as per Section 31 of the CGST Act
In case no GSTIN or incorrect GSTIN is provided by the Proposer at Proposal stage, Star Health and Allied Insurance Co Ltd shall not be
responsible for any Input Tax Credit losses and no subsequent revision of invoice will be undertaken
"I/We hereby declare that though our aggregate turnover in any preceding financial year from 2017-18 onwards is more than the aggregate
turnover notified under sub-rule (4) of rule 48, we are not required to prepare an invoice in terms of the provisions of the said sub-rule."
E. & O.E
This is a digitally signed document and hence no physical signature is required
IRDAI Regn.No.129 Corporate Identity Number L66010TN2005PLC056649 Email ID: stargst@starhealth.in
IRDAI Regn.no: 129
Name Of the Product Star Health Assure Insurance Policy

Product UIN No. SHAHLIP23131V022223
Summary of Important Benefits
Refer to
S.No Particulars of Coverage / Benefits Benefit Limits (in Rs.) Policy
clause No.
Sum Insured (in Rs.) 5,00,000 10,00,000 15,00,000 20,00,000 25,00,000 50,00,000 75,00,000 1,00,00,000 2,00,00,000
Room Category
*Associated Medical expenses which vary based on
the room occupied by the insured person will be Up to
considered in proportion to the room rent stated in 1% of
Any room
1 the policy schedule or actuals whichever is less. Sum Any room B. 1
(Except suite or above category)
Proportionate deductions are not applied in respect Insured
of the hospitals which do not follow differential billing per day
or for those expenses in respect of which differential
billing is not adopted based on the room rent.
Surgeon, Anesthetist, Medical Practitioner,

2 Actual B. 2
Consultants, Specialist Fees
Anesthesia, blood, oxygen, operation theatre

3 charges, ICU Charges, Surgical Appliances, Actual B. 3
Medicines and Drugs
4 Day care procedures All Day Care Procedures are Covered B. 4
5 Coverage for Non-medical Items (Consumables) Actual B. 5
6 Emergency Road Ambulance Actual B. 6
7 Air Ambulance Expenses incurred towards the cost of air ambulance service up to 10% of sum insured per policy year B. 7
8 Pre-Hospitalization Expenses Up to 60 days prior to the date of hospitalization B. 8
9 Post-Hospitalization Expenses Up to 180 days from the date of discharge from the hospital B. 9
10 Domiciliary Hospitalization Coverage for medical treatment (Including AYUSH) for a period exceeding three days B. 10
11 Organ Donor Expenses Up to the Sum Insured B. 11
Individual SI 1,500 2,000 4,000 5,000 5,000 5,000 8,000 8,000 8,000
12 Health Checkup Assure B. 12
Floater SI 2,500 5,000 8,000 10,000 10,000 10,000 15,000 15,000 15,000
13 Home Care Treatment Payable up to 10% of the sum insured subject to maximum of Rs.5 lakhs in a policy year B. 13
Expenses for a Delivery including Delivery by Caesarean section (including pre-natal and post natal
14 Delivery Expenses B. 14
expenses) up-to 10% of the Sum Insured is payable
Expenses incurred for list of In Utero Fetal Surgeries and Procedures after the waiting period of 24
15 In Utero Fetal Surgery/Intervention B. 15
months from the date of inception of this policy
Assisted Reproduction Treatment- Limit of Liability

16 1,00,000 2,00,000 2,00,000 2,00,000 2,00,000 4,00,000 4,00,000 4,00,000 4,00,000 B. 16
in a policy year (Rs.)
Hospitalization expenses for treatment of New Born

17 2,00,000 2,00,000 2,00,000 2,00,000 2,00,000 4,00,000 4,00,000 4,00,000 4,00,000 B. 17
Baby- Limit Per Policy Period (Rs.)
18 Treatment for Chronic Severe Refractory Asthma Payable up to 10% of sum insured not exceeding Rs.5 lakhs per policy period B. 18
Expenses by air incurred upto Rs.10,000/- for one immediate family member(other than the travel
19 Compassionate travel B. 19
companion) for travel towards the place where hospital is located
Payable up to Rs.15,000/- in a policy year towards the cost of repatriation of mortal remains of the
20 Repatriation of Mortal Remains insured person (including the cost of embalming and coffin charges) to the residence of the Insured as B. 20
recorded in the policy.
21 Treatment in Valuable service providers network 1% of Sum Insured subject to a maximum of Rs.5,000/- per policy period is payable as lump sum B. 21
Rs.1,000/- per day will be payable for each continuous and completed period of 24 hours of stay in
22 Shared accommodation B. 22
shared accommodation.
23 AYUSH Treatment Payable up to the sum insured. B. 23
24 Second Medical Opinion e_medicalopinion@starhealth.in. B. 24
25 Coverage for Modern Treatment Upto sum insured B. 25
The insured person will be eligible for Cumulative bonus calculated at 25% of sum insured for each claim
26 Cumulative Bonus B. 26
free year and maximum upto 100% of the sum insured
IRDAI Regn.no: 129
The policy provides automatic restoration of sum insured for unlimited number of times and maximum
27 Automatic Restoration of Sum Insured B. 27
upto 100% each time.
28 Rehabilitation and Pain Management Up to the sub-limit (or) maximum up to 20% of the sum insured whichever is less, per policy year. B. 28
This program intends to promote, incentivize and to reward the Insured Persons' healthy life style
29 Star Wellness Program B. 29
through various wellness activities.
10% of each and every claim amount for fresh as well as renewal policies for insured person whose age
30 Co-payment B. 30
at the time of entry is 61 years and above
Sum Insured Aggregate Deductible Option Discount offered
Rs. 50,000/- 45%

Up to Rs. 20 lakhs
31 Optional Cover to choose deductible Rs. 1,00,000/- 55% B. 31
Rs. 50,000/- 35%

Above Rs. 20 lakhs
Rs. 1,00,000/- 50%
Note: The above information is only indicative. For complete details of the Terms & Conditions kindly read the policy wordings attached.
IRDAI Regn.no: 129
Annexure 3A
Forming part of Policy Number : 11240706382300
Covering Flu Vaccination Approved by ICMR under Health Check Up benefit
Notwithstanding anything stated to the contrary in the within mentioned policy it is hereby agreed and declared
that this Policy would hereinafter provide the following cover without charging additional premium till 31.03.2024:
Cover for Flu Vaccine Approved by ICMR under Health check up benefit as per relevant clause with the same limits
and conditions provided therein.
IRDAI Regn.no: 129

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Star Health And Allied Insurance Company Limited

Re: Health Insurance Policy - 11240706382300

With kind regards,

This is an electronically generated document(Policy

Star Health Assure Insurance Policy

Phone No : 7417219494 Phone No : 8533889960/05688297664

Proposer GSTIN : NO Place of Supply : Uttar Pradesh

Premium : Rs. 7,152/-

CGST @ 9% : Rs. 644/-

Details of Insured Persons:

Corporate Identity Number L66010TN2005PLC056649

Attached to and forming part of Policy No: 11240706382300

The following Conditions shall apply.

1 Chandra shekhar Brother 37 100

Authorised Signatory Page 3 of

Authorised Signatory Page 4 of

Hospitalisation Benefit Policy

Policy No : 11240706382300 Type of Policy : Assure Insurance-2021

Issue Office : 623011-Branch Office - Etawah

Address : NO. 321, PURBIA TOLA ROAD,

Tel / Fax : 8533889960/05688297664

Payment received by Payment Gateway vide Receipt No: 623011/RV/2024/0108855545/1 Receipt

Date : 16-Feb-2024 For and on behalf of

Corporate Identity Number L66010TN2005PLC056649 Authorised Signatory

Email ID: info@starhealth.in

Authorised Signatory Page 5 of

Star Health and Allied Insurance

Name DOB Gender Customer id

Valid From : 16-Feb-2024 Agent/Broker/TE Code : BA0000814123

Office Code : 623011 TA/SSM/SM Code : SH73869

Emergency Help Line No.1800 425 2255/1800 102 4477

e-mail : support@starhealth.in Website : www.starhealth.in

Please quote the Customer Id No. for assistance

This Card is valid until otherwise Cancelled.

At the time of hospitalisation,kindly submit any Government approved photo ID

Corporate Identity Number : L66010TN2005PLC056649

Authorised Signatory Page 6 of

Taxable IGST @ UT/SGST @ CESS @ Total Invoice

Total Invoice Value (in Figures) : Rs. 8,440/-

IRDAI Regn.No.129 Corporate Identity Number L66010TN2005PLC056649 Email ID: stargst@starhealth.in

Authorised Signatory Page 7 of

Name Of the Product Star Health Assure Insurance Policy

Surgeon, Anesthetist, Medical Practitioner,

Anesthesia, blood, oxygen, operation theatre

4 Day care procedures All Day Care Procedures are Covered B. 4

5 Coverage for Non-medical Items (Consumables) Actual B. 5

6 Emergency Road Ambulance Actual B. 6

8 Pre-Hospitalization Expenses Up to 60 days prior to the date of hospitalization B. 8

11 Organ Donor Expenses Up to the Sum Insured B. 11

Assisted Reproduction Treatment- Limit of Liability

Hospitalization expenses for treatment of New Born

23 AYUSH Treatment Payable up to the sum insured. B. 23

24 Second Medical Opinion e_medicalopinion@starhealth.in. B. 24

25 Coverage for Modern Treatment Upto sum insured B. 25

Authorised Signatory Page 8 of

Sum Insured Aggregate Deductible Option Discount offered

Rs. 50,000/- 45%

Rs. 50,000/- 35%

Authorised Signatory Page 9 of

Covering Flu Vaccination Approved by ICMR under Health Check Up benefit