STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED

1 STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED . Regd. & Corporate Of ce: 1, New Tank Street, Valluvar Kottam High Road, Nungambakkam, Chennai - 600 034. Phone : 044 - 28288800 Email : Website : CIN : U66010TN2005 PLC056649 IRDAI Regn. No. : 129. Kind Attention: Policyholder Please check whether the details given by you about the insured persons in the proposal form (a copy of which was provided at the time of issuance of cover for the rst time) are incorporated correctly in the policy schedule. If you nd any discrepancy, please inform us within 15 days from the date of receipt of the policy, failing which the details relating to the person/s covered would be taken as correct.

2 So also the coverage details may also be gone through and in the absence of any communication from you within 15 days from the date of receipt of this policy, it would be construed that the policy issued is correct and the claims if any arise under the policy will be dealt with based on proposal / policy details. Customer Information Sheet - Star Comprehensive INSURANCE Policy Unique Identi cation No.: SHAHLIP22028V072122. Title Description SI. Refer to Policy No. Clause Number Product Name Star Comprehensive INSURANCE Policy a. In-patient Treatment - Covers hospitalisation expenses for period more than 24 hrs II - Section 1(A,B,C).

3 B. Road Ambulance Expenses-Expenses incurred for transportation of the insured person by private ambulance service from one II(D). hospital to another hospital c. Air Ambulance Expenses- Expenses incurred towards the cost of air ambulance service up to ,50,000/- per hospitalization II(E). not exceeding ,00,000/- per policy period d. Pre-Hospitalisation- Medical Expenses incurred up to 60 days prior to the date of hospitalisation II(F). e. Post-Hospitalisation- Medical Expenses incurred up to 90 days from the date of discharge from the hospital II(G). f. Outpatient Consultation Expenses (other than Dental and Ophthalmic treatment) Minimum Rs.

4 1,200/- Maximum ,000/- II(H). based on the sum insured g. Domiciliary Hospitalization-Expenses for Domiciliary Hospitalization treatments for a period exceeding three days II(I). h. Coverage for Delivery Minimum ,000/- Maximum ,00,000/- based on the sum insured New Born Baby cover Minimum II - Section 2. ,00,000/- maximum ,00,000/- based on the sum insured i. Outpatient Dental and Ophthalmic treatment Minimum Rs. 5,000/- Maximum ,000/- based on the sum insured II - Section 3. j. Organ Donor Expenses-Expenses incurred for organ transplantation from the Donor to the recipient insured person are payable What am I II -Section 4.

5 1 provided the claim for transplantation is payable covered for k. Hospital Cash Bene t: Cash Bene t up to the limits mentioned for each completed day of Hospitalization for a maximum of 7. II - Section 5. days per occurrence is payable l. HEALTH check Up-Expenses incurred towards cost of HEALTH check-up up to the limits mentioned II - Section 6. m. Bariatric Surgery- Expenses incurred on hospitalization for bariatric surgical procedure and its complications thereof are II - Section 7. payable subject to a maximum limit of ,50,000/- and ,00,000/- n. Second Medical Opinion- The Insured Person is given the facility of obtaining a Medical Second Opinion from a Doctor in the II - Section 8.

6 COMPANY 's network of Medical Practitioners o. AYUSH Treatment- Expenses incurred on treatment under Ayurveda, Unani, Sidha and Homeopathy systems of medicines in a Government Hospital or in any institute recognized by the government and/or accredited by the Quality Council of India/National II - Section 9. Accreditation Board on HEALTH is payable up to the limits p. Accidental Death and Permanent Total Disablement II - Section 10. q. Star Wellness Program II - Section 11. r. Buy Back of Pre-existing Waiting Period (Optional Cover) II - Section 12. s. Coverage for Modern Treatments II - Section 13.

7 I. Any hospital admission primarily for investigation diagnostic purpose III(A)(4). ii. Pregnancy, infertility ,childbirth III(A)(17), III(A)(18). What are the iii. Treatment outside India IV(23). Major Exclusions in iv. Circumcision, sex change surgery, cosmetic surgery & plastic surgery III(A)(19), III(A)(7), III(A)(8). 2 the policy- v. Refractive error correction, hearing impairment correction, corrective & cosmetic dental surgeries III(A)(15), III(A)(32). Applicable for Section vi. Substance abuse, self-in icted injuries III(A)(12), III(A)(22). 1 to 9 III(A)(9), III(A)(10), vii.

8 Hazardous sports, war, terrorism, civil war or breach of law III(A)(24). viii. Any kind of service charge, surcharge, admission fees, registration fees levied by the hospital III(A)(34). Star Comprehensive INSURANCE Policy Unique Identi cation No.: SHAHLIP22028V072122 POL / COMP / / 2021 1 of 16. SI. Refer to Policy Product Name Description No. Clause Number i. War and warlike occurrence or invasion, acts of foreign enemies, hostilities III(B)(5). ii. Riots, con scation or nationalization ,Ionizing radiation III(B)(6), III(B)( ). Exclusions in iii. Nuclear weapons material, radioactive, toxic, explosive or other hazardous III(B)( ), III(B)( ).

9 The policy- iv. Nuclear, chemical and biological terrorism III(B)( ). 2. Applicable for v. Hazardous Sport / Hazardous Activities III(B)(9). Section 10 vi. Accident related to pregnancy or childbirth, in rmity III(B)(14). vii. Self-endangerment unless in self-defense III(B)(15). (Note: the above is a partial listing of the policy exclusions. Please refer to the policy clauses for the full listing). Waiting Periods- Initial Waiting Period: 30 days III(A)(3). Applicable for 3 Section 1, Speci c waiting period: 24 months III(A)(2). Section 4 and Section 9 Pre-existing diseases: 36 months III(A)(1).

10 Reimbursement of covered expenses up to speci ed limits II(A,B,C). 4 Payment basis II - Section 5 and Fixed amount on the occurrence of a covered event Section 6. In case of a claim, this policy requires you to share the following costs Expenses exceeding the followings Sublimits 5 Loss Sharing 1. Room/ICU charges II Section 1(A). 2. For the following speci ed diseases II Section 13. 3. Deductible of Rs per claim / per year /both Nil 4. % of each claim as Co-payment Condition IV(2)(I). Renewal Lifelong Renewal 6 IV(10). Conditions Grace period of 30 days for renewing the policy is provided Renewal Cost of HEALTH Checkup: Expenses incurred for HEALTH check-up up-to the limits mentioned in the table II - Section 6.