7. Note: If the premium is paid Monthly , cancellation of policy will be on “No Refund Basis” Notwithstanding anything contained herein or otherwise, no refunds of premium shall be made in respect of Cancellation where, any claim has been admitted or has been lodged or any benefit has been availed by the insured person under the policy . ii. The Company may cancel the policy at any time on grounds of misrepresentation, non-disclosure of material facts, fraud by the insured person by giving 15 days written notice. There would be no refund of premium on cancellation on grounds of misrepresentation, non- disclosure of material facts or fraud v Automatic Expiry of the policy: The insurance under this policy with respect to each relevant insured person shall expire immediately upon death of the insured person or on expiry of the sum insured whichever shall first occur. v Disclosure to information norms: The policy shall become void and all premium paid thereon shall be forfeited to the Company , in the event of mis-representation, mis description or non- disclosure of any material fact by the policy holder . v Claims Procedure · n Call the 24 hour help-line for assista ce-1800 425 2255 / 1800 102 4477 · In case of planned hospitalization, inform 24 hours prior to admission in the hospital. · I n c a s e o f e m e r g e n c y h o s p i t a l i z a t i o n i n f o r m a t i o n t o b e g i v e n w i t h i n 2 4 h o u r s a f t e r h o s p i t a l i z a t i o n . · Cashless facility wherever possible in network hospital. · In non-network hospitals payment must be made up-front and then reimbursement will be ef fected on submission of documents v The Company: Star Health and Allied Insurance Co. Ltd., commenced its operations in 2006 as India's first Standalone Health Insurance provider . As an exclusive Health Insurer , the Company is providing sterling services in Health, Personal Accident & Overseas T ravel Insurance and is committed to setting international benchmarks in service and personal caring. v Star Advantages · No Third Party Administrator , direct in-house claims settlement · Faster and hassle – free claim settlement · Cashless hospitalization v T ax Benefits: Payment of premium by any mode other than cash for this insurance is eligible for relief under Section 80D of the Income T ax Act 1961. v Prohibition of rebates: (Section 41 of Insurance Act 1938): No person shall allow or of fer to allow , either directly or indirectly , as an inducement to any person to take out or renew or continue an insurance in respect of any kind of risk relating to lives or property in India, any rebate of the whole or part of the commission payable or any rebate of the premium shown on the policy , nor shall any person taking out or renewing or continuing a policy accept any rebate, except such rebate as may be allowed in accordance with the published prospectuses or tables of the insurer. Any person making default in complying with the provisions of this section shall be liable for a penalty which may extend to ten lakhs rupees. PREMIUM CHART (Excluding T ax) Amount in Rs. A , = Adult v Portability: The insured person will have the option to port the policy to other insurers by applying to such insurer to port the entire policy along with all the members of the family , if any , at least 45 days before, but not earlier than 60 days from the policy renewal date as per IRDAI guidelines related to portability . lf such person is presently covered and has been continuously covered without any lapses under any health insurance policy with an lndian General/Health insurer , the proposed insured person will get the accrued continuity benefits i n w a i t i n g p e r i o d s a s p e r I R D A I g u i d e l i n e s o n p o r t a b i l i t y . F o r d e t a i l s c o n t a c t “portability@starhealth.in” or call T elephone No +91-044-28288869. For Detailed Guidelines on portability , kindly refer the link https://www .irdai.gov .in/ADMINCMS/cms/frmGuidelines_Layout.aspx?page=PageNo3987 v Withdrawal of the policy i. In the likelihood of this product being withdrawn in future, the Company will intimate the insured person about the same 90 days prior to expiry of the policy ii. lnsured Person will have the option to migrate to similar health insurance product available with the Company at the time of renewal with all the accrued continuity benefits such as cumulative bonus, waiver of waiting period as per IRDAI guidelines, provided the policy has been maintained without a break v Instalment Premium Options: lf the insured person has opted for Payment of Premium on an instalment basis i.e. Half Y early , Quarterly or Monthly , as mentioned in the policy Schedule/Certificate of lnsurance, the following Conditions shall apply (notwithstanding any terms contrary elsewhere in the policy); i. Grace Period of 7 days would be given to pay the instalment premium due for the policy ii. During such grace period, coverage will not be available from the due date of instalment premium till the date of receipt of premium by Company iii. The insured person will get the accrued continuity benefit in respect of the "W aiting Periods", "Specific W aiting Periods" in the event of payment of premium within the stipulated grace Period iv . No interest will be charged lf the instalment premium is not paid on due date v. ln case of instalment premium due not received within the grace period, the policy will get cancelled vi. ln the event of a claim, all subsequent premium instalments shall immediately become due and payable vii The company has the right to recover and deduct all the pending installments from the claim amount due under the policy v Free Look Period: The Free Look Period shall be applicable on new individual health insurance policies and not on renewals or at the time of porting/migrating the policy . T h e i n s u r e d p e r s o n s h a l l b e a l l o w e d f r e e l o o k p e r i o d o f fi f t e e n d a y s f r o m d a t e o f r e c e i p t o f t h e p o l i c y d o c u m e n t t o r e v i e w t h e t e r m s a n d c o n d i t i o n s o f t h e p o l i c y , a n d t o r e t u r n t h e s a m e i f n o t a c c e p t a b l e . l f t h e i n s u r e d h a s n o t m a d e a n y c l a i m d u r i n g t h e F r e e L o o k P e r i o d , t h e i n s u r e d s h a l l b e e n t i t l e d t o ; i. a refund of the premium paid less any expenses incurred by the Company on medical examination of the insured person and the stamp duty charges or ii. where the risk has already commenced and the option of return of the policy is exercised by the insured person, a deduction towards the proportionate risk premium for period of cover or iii. where only a part of the insurance coverage has commenced, such proportionate premium commensurate with the insurance coverage during such period v C a n c e l l a t i o n : T h e p o l i c y h o l d e r m a y c a n c e l t h i s p o l i c y b y g i v i n g 1 5 d a y s w r i t t e n n o t i c e a n d i n s u c h a n e v e n t , t h e C o m p a n y s h a l l r e f u n d p r e m i u m f o r t h e u n e x p i r e d p o l i c y p e r i o d a s d e t a i l e d b e l o w ; 8 9 10 7 596.00 mm 210.00 mm 95.50 mm 95.50 mm 100.00 mm 100.00 mm 102.50 mm 102.50 mm Cancellation table applicable for Policy T erm 1 Y ear without instalment option Period on risk R a t e o f p r e m i u m t o b e r e t a i n e d Up to one month 2 2 . 5 % o f t h e p o l i c y p r e m i u m Exceeding one month up to 3 months 3 7 . 5 % o f t h e p o l i c y p r e m i u m Exceeding 3 months up to 6 months 5 7 . 5 % o f t h e p o l i c y p r e m i u m Exceeding 6 months up to 9 months 8 0 % o f t h e p o l i c y p r e m i u m Exceeding 9 months F u l l o f t h e p o l i c y p r e m i u m Cancellation table applicable for Policy T erm 1 Y ear with instalment option of Half-yearly premium payment frequency Period on risk Rate of premium to be retained Up to one month 45% of the total premium received Exceeding one month up to 4 months 87.5% of the total premium received Exceeding 4 months up to 6 months 100% of the total premium received Exceeding 6 months up to 7 months 65% of the total premium received Exceeding 7 months up to 10 months 85% of the total premium received Exceeding 10 months 100% of the total premium received Cancellation table applicable for Policy T erm 1 Y ear with instalment option of Quarterly premium payment frequency Period on risk Rate of premium to be retained Up to one month 87.5% of the total premium received Exceeding one month up to 3 months 100% of the total premium received Exceeding 3 months up to 4 months 87.5% of the total premium received Exceeding 4 months up to 6 months 100% of the total premium received Exceeding 6 months up to 7 months 85% of the total premium received Exceeding 7 months up to 9 months 100% of the total premium received Exceeding 9 months up to 10 months 85% of the total premium received Exceeding 10 months 100% of the total premium received Cancellation table applicable for Policy T erm 2 Y ears without instalment option Period on risk Rate of premium to be retained Up to one month 17.5% of the policy premium Exceeding one month up to 3 months 25% of the policy premium Exceeding 3 months up to 6 months 37.5% of the policy premium Exceeding 6 months up to 9 months 47.5% of the policy premium Exceeding 9 months up to 12 months 57.5% of the policy premium Exceeding 12 months up to 15 months 67.5% of the policy premium Exceeding 15 months up to 18 months 80% of the policy premium Exceeding 18 months up to 21 months 90% of the policy premium Exceeding 21 months Full of the policy premium Cancellation table applicable for Policy T erm 2 Y ears with instalment option of Half-yearly premium payment frequency Period on risk Rate of premium to be retained Up to one month 45% of the total premium received Exceeding one month up to 4 months 87.5% of the total premium received Exceeding 4 months up to 6 months 100% of the total premium received Exceeding 6 months up to 7 months 65% of the total premium received Exceeding 7 months up to 10 months 85% of the total premium received Exceeding 10 months up to 12 months 100% of the total premium received Exceeding 12 months up to 15 months 90% of the total premium received Exceeding 15 months up to 18 months 100% of the total premium received Exceeding 18 months up to 21 months 90% of the total premium received Exceeding 21 months 100% of the total premium received Cancellation table applicable for Policy T erm 2 Y ears with instalment option of Quarterly premium payment frequency Period on risk Rate of premium to be retained Up to one month 87.5% of the total premium received Exceeding one month up to 3 months 100% of the total premium received Exceeding 3 months up to 4 months 87.5% of the total premium received Exceeding 4 months up to 6 months 100% of the total premium received Exceeding 6 months up to 7 months 85% of the total premium received Exceeding 7 months up to 9 months 100% of the total premium received Exceeding 9 months up to 10 months 85% of the total premium received Exceeding 10 months up to 12 months 100% of the total premium received Exceeding 12 months up to 13 months 97.5% of the total premium received Exceeding 13 months up to 15 months 100% of the total premium received Exceeding 15 months up to 16 months 95% of the total premium received Exceeding 16 months up to 18 months 100% of the total premium received Exceeding 18 months up to 19 months 95% of the total premium received Exceeding 19 months up to 21 months 100% of the total premium received Exceeding 21 months up to 22 months 92.5% of the total premium received Exceeding 22 months 100% of the total premium received Cancellation table applicable for Policy T erm 3 Y ears without instalment option Period on risk Rate of premium to be retained Up to one month 17.5% of the policy premium Exceeding one month up to 3 months 22.5% of the policy premium Exceeding 3 months up to 6 months 30% of the policy premium Exceeding 6 months up to 9 months 37.5% of the policy premium Exceeding 9 months up to 12 months 42.5% of the policy premium Exceeding 12 months up to 15 months 50% of the policy premium Exceeding 15 months up to 18 months 57.5% of the policy premium Exceeding 18 months up to 21 months 65% of the policy premium Exceeding 21 months up to 24 months 72.5% of the policy premium Exceeding 24 months up to 27 months 80% of the policy premium Exceeding 27 months up to 30 months 85% of the policy premium Exceeding 30 months up to 33 months 92.5% of the policy premium Exceeding 33 months Full of the policy premium Cancellation table applicable for Policy T erm 3 Y ears with instalment option of Half-yearly premium payment frequency Period on risk Rate of premium to be retained Up to one month 45% of the total premium received Exceeding one month up to 4 months 87.5% of the total premium received Exceeding 4 months up to 6 months 100% of the total premium received Exceeding 6 months up to 7 months 65% of the total premium received Exceeding 7 months up to 10 months 85% of the total premium received Exceeding 10 months up to 12 months 100% of the total premium received Exceeding 12 months up to 15 months 90% of the total premium received Exceeding 15 months up to 18 months 100% of the total premium received Exceeding 18 months up to 21 months 90% of the total premium received Exceeding 21 months up to 24 months 100% of the total premium received Exceeding 24 months up to 27 months 95% of the total premium received Exceeding 27 months up to 30 months 100% of the total premium received Exceeding 30 months up to 33 months 92.5% of the total premium received Exceeding 33 months 100% of the total premium received Cancellation table applicable for Policy T erm 3 Y ears with instalment option of Quarterly premium payment frequency Period on risk Rate of premium to be retained Up to one month 87.5% of the total premium received Exceeding one month up to 3 months 100% of the total premium received Exceeding 3 months up to 4 months 87.5% of the total premium received Exceeding 4 months up to 6 months 100% of the total premium received Exceeding 6 months up to 7 months 85% of the total premium received Exceeding 7 months up to 9 months 100% of the total premium received Exceeding 9 months up to 10 months 85% of the total premium received Exceeding 10 months up to 12 months 100% of the total premium received Exceeding 12 months up to 13 months 97.5% of the total premium received Exceeding 13 months up to 15 months 100% of the total premium received Exceeding 15 months up to 16 months 95% of the total premium received Exceeding 16 months up to 18 months 100% of the total premium received Exceeding 18 months up to 19 months 95% of the total premium received Exceeding 19 months up to 21 months 100% of the total premium received Exceeding 21 months up to 22 months 92.5% of the total premium received Exceeding 22 months up to 24 months 100% of the total premium received Exceeding 24 months up to 25 months 97.5% of the total premium received Exceeding 25 months up to 27 months 100% of the total premium received Exceeding 27 months up to 28 months 97.5% of the total premium received Exceeding 28 months up to 30 months 100% of the total premium received Exceeding 30 months up to 31 months 95% of the total premium received Exceeding 31 months up to 33 months 100% of the total premium received Exceeding 33 months up to 34 months 95% of the total premium received Exceeding 34 months 100% of the total premium received Individual (1A) Policy T erm 1 year 2 years 3 years Sum Insured 1,00,000 4,450 8,589 12,482 2,00,000 8,456 16,320 23,719 3,00,000 12,900 24,897 36,185 4,00,000 15,501 29,917 43,480 5,00,000 18,000 34,740 50,490 7,50,000 21,000 40,530 58,905 10,00,000 22,500 43,425 63,1 13 15,00,000 29,205 56,366 81,920 20,00,000 32,710 63,130 91,752 25,00,000 35,985 69,451 1,00,938 Buy this Insurance Online at www .starhealth.in and avail discount 5% This discount is available for first purchase only Call T oll-free: 1800-425-2255 / 1800-102-4477, sms ST AR to 56677 Fax T oll Free No: 1800-425-5522 « Email : support@starhealth.in CIN : U66010TN2005PLC056649 « IRDAI Regn. No: 129 T h e i n f o r m a t i o n p r o v i d e d i n t h i s b r o c h u r e i s o n l y i n d i c a t i v e . F o r m o r e d e t a i l s o n t h e r i s k f a c t o r s , t e r m s a n d c o n d i t i o n s , p l e a s e r e a d t h e p o l i c y w o r d i n g s b e f o r e c o n c l u d i n g s a l e O r V i s i t o u r w e b s i t e w w w . s t a r h e a l t h . i n Senior Citizens Red Carpet Health Insurance Policy Unique Identication No.: SHAHLIP21265V042021 2A = Self + Spouse BRO / SCRC / V .9 / 2020 Senior Citizens Red Carpet Health Insurance Policy ST AR HEAL TH AND ALLIED INSURANCE CO L TD Regd. & Corporate Office: 1, New T ank Street, V alluvar Kottam High Road, Nungambakkam, Chennai - 600 034. “IRDAI OR ITS OFFICIALS DO NOT INVOL VE IN ACTIVITIES LIKE SALE OF ANY KIND OF INSURANCE OR FINANCIAL PRODUCTS NOR INVEST PREMIUMS. IRDAI DOES NOT ANNOUNCE ANY BONUS” PUBLIC RECEIVING SUCH PHONE CALLS ARE REQUESTED T O LODGE A POLICE COMPLAINT ALONG WITH DET AILS OF PHONE CALL AND NUMBER” Floater (2A) Policy T erm 1 year 2 years 3 years Sum Insured 10,00,000 38,250 73,823 1,07,291 15,00,000 49,650 95,825 1,39,268 20,00,000 55,610 1,07,327 1,55,986 25,00,000 61,175 1,18,068 1,71,596

1. Note: If the premium is paid Monthly , cancellation of policy will be on “No Refund Basis” Notwithstanding anything contained herein or otherwise, no refunds of premium shall be made in respect of Cancellation where, any claim has been admitted or has been lodged or any benefit has been availed by the insured person under the policy . ii. The Company may cancel the policy at any time on grounds of misrepresentation, non-disclosure of material facts, fraud by the insured person by giving 15 days written notice. There would be no refund of premium on cancellation on grounds of misrepresentation, non- disclosure of material facts or fraud v Automatic Expiry of the policy: The insurance under this policy with respect to each relevant insured person shall expire immediately upon death of the insured person or on expiry of the sum insured whichever shall first occur. v Disclosure to information norms: The policy shall become void and all premium paid thereon shall be forfeited to the Company , in the event of mis-representation, mis description or non- disclosure of any material fact by the policy holder . v Claims Procedure · n Call the 24 hour help-line for assista ce-1800 425 2255 / 1800 102 4477 · In case of planned hospitalization, inform 24 hours prior to admission in the hospital. · I n c a s e o f e m e r g e n c y h o s p i t a l i z a t i o n i n f o r m a t i o n t o b e g i v e n w i t h i n 2 4 h o u r s a f t e r h o s p i t a l i z a t i o n . · Cashless facility wherever possible in network hospital. · In non-network hospitals payment must be made up-front and then reimbursement will be ef fected on submission of documents v The Company: Star Health and Allied Insurance Co. Ltd., commenced its operations in 2006 as India's first Standalone Health Insurance provider . As an exclusive Health Insurer , the Company is providing sterling services in Health, Personal Accident & Overseas T ravel Insurance and is committed to setting international benchmarks in service and personal caring. v Star Advantages · No Third Party Administrator , direct in-house claims settlement · Faster and hassle – free claim settlement · Cashless hospitalization v T ax Benefits: Payment of premium by any mode other than cash for this insurance is eligible for relief under Section 80D of the Income T ax Act 1961. v Prohibition of rebates: (Section 41 of Insurance Act 1938): No person shall allow or of fer to allow , either directly or indirectly , as an inducement to any person to take out or renew or continue an insurance in respect of any kind of risk relating to lives or property in India, any rebate of the whole or part of the commission payable or any rebate of the premium shown on the policy , nor shall any person taking out or renewing or continuing a policy accept any rebate, except such rebate as may be allowed in accordance with the published prospectuses or tables of the insurer. Any person making default in complying with the provisions of this section shall be liable for a penalty which may extend to ten lakhs rupees. PREMIUM CHART (Excluding T ax) Amount in Rs. A , = Adult v Portability: The insured person will have the option to port the policy to other insurers by applying to such insurer to port the entire policy along with all the members of the family , if any , at least 45 days before, but not earlier than 60 days from the policy renewal date as per IRDAI guidelines related to portability . lf such person is presently covered and has been continuously covered without any lapses under any health insurance policy with an lndian General/Health insurer , the proposed insured person will get the accrued continuity benefits i n w a i t i n g p e r i o d s a s p e r I R D A I g u i d e l i n e s o n p o r t a b i l i t y . F o r d e t a i l s c o n t a c t “portability@starhealth.in” or call T elephone No +91-044-28288869. For Detailed Guidelines on portability , kindly refer the link https://www .irdai.gov .in/ADMINCMS/cms/frmGuidelines_Layout.aspx?page=PageNo3987 v Withdrawal of the policy i. In the likelihood of this product being withdrawn in future, the Company will intimate the insured person about the same 90 days prior to expiry of the policy ii. lnsured Person will have the option to migrate to similar health insurance product available with the Company at the time of renewal with all the accrued continuity benefits such as cumulative bonus, waiver of waiting period as per IRDAI guidelines, provided the policy has been maintained without a break v Instalment Premium Options: lf the insured person has opted for Payment of Premium on an instalment basis i.e. Half Y early , Quarterly or Monthly , as mentioned in the policy Schedule/Certificate of lnsurance, the following Conditions shall apply (notwithstanding any terms contrary elsewhere in the policy); i. Grace Period of 7 days would be given to pay the instalment premium due for the policy ii. During such grace period, coverage will not be available from the due date of instalment premium till the date of receipt of premium by Company iii. The insured person will get the accrued continuity benefit in respect of the "W aiting Periods", "Specific W aiting Periods" in the event of payment of premium within the stipulated grace Period iv . No interest will be charged lf the instalment premium is not paid on due date v. ln case of instalment premium due not received within the grace period, the policy will get cancelled vi. ln the event of a claim, all subsequent premium instalments shall immediately become due and payable vii The company has the right to recover and deduct all the pending installments from the claim amount due under the policy v Free Look Period: The Free Look Period shall be applicable on new individual health insurance policies and not on renewals or at the time of porting/migrating the policy . T h e i n s u r e d p e r s o n s h a l l b e a l l o w e d f r e e l o o k p e r i o d o f fi f t e e n d a y s f r o m d a t e o f r e c e i p t o f t h e p o l i c y d o c u m e n t t o r e v i e w t h e t e r m s a n d c o n d i t i o n s o f t h e p o l i c y , a n d t o r e t u r n t h e s a m e i f n o t a c c e p t a b l e . l f t h e i n s u r e d h a s n o t m a d e a n y c l a i m d u r i n g t h e F r e e L o o k P e r i o d , t h e i n s u r e d s h a l l b e e n t i t l e d t o ; i. a refund of the premium paid less any expenses incurred by the Company on medical examination of the insured person and the stamp duty charges or ii. where the risk has already commenced and the option of return of the policy is exercised by the insured person, a deduction towards the proportionate risk premium for period of cover or iii. where only a part of the insurance coverage has commenced, such proportionate premium commensurate with the insurance coverage during such period v C a n c e l l a t i o n : T h e p o l i c y h o l d e r m a y c a n c e l t h i s p o l i c y b y g i v i n g 1 5 d a y s w r i t t e n n o t i c e a n d i n s u c h a n e v e n t , t h e C o m p a n y s h a l l r e f u n d p r e m i u m f o r t h e u n e x p i r e d p o l i c y p e r i o d a s d e t a i l e d b e l o w ; 8 9 10 7 596.00 mm 210.00 mm 95.50 mm 95.50 mm 100.00 mm 100.00 mm 102.50 mm 102.50 mm Cancellation table applicable for Policy T erm 1 Y ear without instalment option Period on risk R a t e o f p r e m i u m t o b e r e t a i n e d Up to one month 2 2 . 5 % o f t h e p o l i c y p r e m i u m Exceeding one month up to 3 months 3 7 . 5 % o f t h e p o l i c y p r e m i u m Exceeding 3 months up to 6 months 5 7 . 5 % o f t h e p o l i c y p r e m i u m Exceeding 6 months up to 9 months 8 0 % o f t h e p o l i c y p r e m i u m Exceeding 9 months F u l l o f t h e p o l i c y p r e m i u m Cancellation table applicable for Policy T erm 1 Y ear with instalment option of Half-yearly premium payment frequency Period on risk Rate of premium to be retained Up to one month 45% of the total premium received Exceeding one month up to 4 months 87.5% of the total premium received Exceeding 4 months up to 6 months 100% of the total premium received Exceeding 6 months up to 7 months 65% of the total premium received Exceeding 7 months up to 10 months 85% of the total premium received Exceeding 10 months 100% of the total premium received Cancellation table applicable for Policy T erm 1 Y ear with instalment option of Quarterly premium payment frequency Period on risk Rate of premium to be retained Up to one month 87.5% of the total premium received Exceeding one month up to 3 months 100% of the total premium received Exceeding 3 months up to 4 months 87.5% of the total premium received Exceeding 4 months up to 6 months 100% of the total premium received Exceeding 6 months up to 7 months 85% of the total premium received Exceeding 7 months up to 9 months 100% of the total premium received Exceeding 9 months up to 10 months 85% of the total premium received Exceeding 10 months 100% of the total premium received Cancellation table applicable for Policy T erm 2 Y ears without instalment option Period on risk Rate of premium to be retained Up to one month 17.5% of the policy premium Exceeding one month up to 3 months 25% of the policy premium Exceeding 3 months up to 6 months 37.5% of the policy premium Exceeding 6 months up to 9 months 47.5% of the policy premium Exceeding 9 months up to 12 months 57.5% of the policy premium Exceeding 12 months up to 15 months 67.5% of the policy premium Exceeding 15 months up to 18 months 80% of the policy premium Exceeding 18 months up to 21 months 90% of the policy premium Exceeding 21 months Full of the policy premium Cancellation table applicable for Policy T erm 2 Y ears with instalment option of Half-yearly premium payment frequency Period on risk Rate of premium to be retained Up to one month 45% of the total premium received Exceeding one month up to 4 months 87.5% of the total premium received Exceeding 4 months up to 6 months 100% of the total premium received Exceeding 6 months up to 7 months 65% of the total premium received Exceeding 7 months up to 10 months 85% of the total premium received Exceeding 10 months up to 12 months 100% of the total premium received Exceeding 12 months up to 15 months 90% of the total premium received Exceeding 15 months up to 18 months 100% of the total premium received Exceeding 18 months up to 21 months 90% of the total premium received Exceeding 21 months 100% of the total premium received Cancellation table applicable for Policy T erm 2 Y ears with instalment option of Quarterly premium payment frequency Period on risk Rate of premium to be retained Up to one month 87.5% of the total premium received Exceeding one month up to 3 months 100% of the total premium received Exceeding 3 months up to 4 months 87.5% of the total premium received Exceeding 4 months up to 6 months 100% of the total premium received Exceeding 6 months up to 7 months 85% of the total premium received Exceeding 7 months up to 9 months 100% of the total premium received Exceeding 9 months up to 10 months 85% of the total premium received Exceeding 10 months up to 12 months 100% of the total premium received Exceeding 12 months up to 13 months 97.5% of the total premium received Exceeding 13 months up to 15 months 100% of the total premium received Exceeding 15 months up to 16 months 95% of the total premium received Exceeding 16 months up to 18 months 100% of the total premium received Exceeding 18 months up to 19 months 95% of the total premium received Exceeding 19 months up to 21 months 100% of the total premium received Exceeding 21 months up to 22 months 92.5% of the total premium received Exceeding 22 months 100% of the total premium received Cancellation table applicable for Policy T erm 3 Y ears without instalment option Period on risk Rate of premium to be retained Up to one month 17.5% of the policy premium Exceeding one month up to 3 months 22.5% of the policy premium Exceeding 3 months up to 6 months 30% of the policy premium Exceeding 6 months up to 9 months 37.5% of the policy premium Exceeding 9 months up to 12 months 42.5% of the policy premium Exceeding 12 months up to 15 months 50% of the policy premium Exceeding 15 months up to 18 months 57.5% of the policy premium Exceeding 18 months up to 21 months 65% of the policy premium Exceeding 21 months up to 24 months 72.5% of the policy premium Exceeding 24 months up to 27 months 80% of the policy premium Exceeding 27 months up to 30 months 85% of the policy premium Exceeding 30 months up to 33 months 92.5% of the policy premium Exceeding 33 months Full of the policy premium Cancellation table applicable for Policy T erm 3 Y ears with instalment option of Half-yearly premium payment frequency Period on risk Rate of premium to be retained Up to one month 45% of the total premium received Exceeding one month up to 4 months 87.5% of the total premium received Exceeding 4 months up to 6 months 100% of the total premium received Exceeding 6 months up to 7 months 65% of the total premium received Exceeding 7 months up to 10 months 85% of the total premium received Exceeding 10 months up to 12 months 100% of the total premium received Exceeding 12 months up to 15 months 90% of the total premium received Exceeding 15 months up to 18 months 100% of the total premium received Exceeding 18 months up to 21 months 90% of the total premium received Exceeding 21 months up to 24 months 100% of the total premium received Exceeding 24 months up to 27 months 95% of the total premium received Exceeding 27 months up to 30 months 100% of the total premium received Exceeding 30 months up to 33 months 92.5% of the total premium received Exceeding 33 months 100% of the total premium received Cancellation table applicable for Policy T erm 3 Y ears with instalment option of Quarterly premium payment frequency Period on risk Rate of premium to be retained Up to one month 87.5% of the total premium received Exceeding one month up to 3 months 100% of the total premium received Exceeding 3 months up to 4 months 87.5% of the total premium received Exceeding 4 months up to 6 months 100% of the total premium received Exceeding 6 months up to 7 months 85% of the total premium received Exceeding 7 months up to 9 months 100% of the total premium received Exceeding 9 months up to 10 months 85% of the total premium received Exceeding 10 months up to 12 months 100% of the total premium received Exceeding 12 months up to 13 months 97.5% of the total premium received Exceeding 13 months up to 15 months 100% of the total premium received Exceeding 15 months up to 16 months 95% of the total premium received Exceeding 16 months up to 18 months 100% of the total premium received Exceeding 18 months up to 19 months 95% of the total premium received Exceeding 19 months up to 21 months 100% of the total premium received Exceeding 21 months up to 22 months 92.5% of the total premium received Exceeding 22 months up to 24 months 100% of the total premium received Exceeding 24 months up to 25 months 97.5% of the total premium received Exceeding 25 months up to 27 months 100% of the total premium received Exceeding 27 months up to 28 months 97.5% of the total premium received Exceeding 28 months up to 30 months 100% of the total premium received Exceeding 30 months up to 31 months 95% of the total premium received Exceeding 31 months up to 33 months 100% of the total premium received Exceeding 33 months up to 34 months 95% of the total premium received Exceeding 34 months 100% of the total premium received Individual (1A) Policy T erm 1 year 2 years 3 years Sum Insured 1,00,000 4,450 8,589 12,482 2,00,000 8,456 16,320 23,719 3,00,000 12,900 24,897 36,185 4,00,000 15,501 29,917 43,480 5,00,000 18,000 34,740 50,490 7,50,000 21,000 40,530 58,905 10,00,000 22,500 43,425 63,1 13 15,00,000 29,205 56,366 81,920 20,00,000 32,710 63,130 91,752 25,00,000 35,985 69,451 1,00,938 Buy this Insurance Online at www .starhealth.in and avail discount 5% This discount is available for first purchase only Call T oll-free: 1800-425-2255 / 1800-102-4477, sms ST AR to 56677 Fax T oll Free No: 1800-425-5522 « Email : support@starhealth.in CIN : U66010TN2005PLC056649 « IRDAI Regn. No: 129 T h e i n f o r m a t i o n p r o v i d e d i n t h i s b r o c h u r e i s o n l y i n d i c a t i v e . F o r m o r e d e t a i l s o n t h e r i s k f a c t o r s , t e r m s a n d c o n d i t i o n s , p l e a s e r e a d t h e p o l i c y w o r d i n g s b e f o r e c o n c l u d i n g s a l e O r V i s i t o u r w e b s i t e w w w . s t a r h e a l t h . i n Senior Citizens Red Carpet Health Insurance Policy Unique Identication No.: SHAHLIP21265V042021 2A = Self + Spouse BRO / SCRC / V .9 / 2020 Senior Citizens Red Carpet Health Insurance Policy ST AR HEAL TH AND ALLIED INSURANCE CO L TD Regd. & Corporate Office: 1, New T ank Street, V alluvar Kottam High Road, Nungambakkam, Chennai - 600 034. “IRDAI OR ITS OFFICIALS DO NOT INVOL VE IN ACTIVITIES LIKE SALE OF ANY KIND OF INSURANCE OR FINANCIAL PRODUCTS NOR INVEST PREMIUMS. IRDAI DOES NOT ANNOUNCE ANY BONUS” PUBLIC RECEIVING SUCH PHONE CALLS ARE REQUESTED T O LODGE A POLICE COMPLAINT ALONG WITH DET AILS OF PHONE CALL AND NUMBER” Floater (2A) Policy T erm 1 year 2 years 3 years Sum Insured 10,00,000 38,250 73,823 1,07,291 15,00,000 49,650 95,825 1,39,268 20,00,000 55,610 1,07,327 1,55,986 25,00,000 61,175 1,18,068 1,71,596

5. Note: If the premium is paid Monthly , cancellation of policy will be on “No Refund Basis” Notwithstanding anything contained herein or otherwise, no refunds of premium shall be made in respect of Cancellation where, any claim has been admitted or has been lodged or any benefit has been availed by the insured person under the policy . ii. The Company may cancel the policy at any time on grounds of misrepresentation, non-disclosure of material facts, fraud by the insured person by giving 15 days written notice. There would be no refund of premium on cancellation on grounds of misrepresentation, non- disclosure of material facts or fraud v Automatic Expiry of the policy: The insurance under this policy with respect to each relevant insured person shall expire immediately upon death of the insured person or on expiry of the sum insured whichever shall first occur. v Disclosure to information norms: The policy shall become void and all premium paid thereon shall be forfeited to the Company , in the event of mis-representation, mis description or non- disclosure of any material fact by the policy holder . v Claims Procedure · n Call the 24 hour help-line for assista ce-1800 425 2255 / 1800 102 4477 · In case of planned hospitalization, inform 24 hours prior to admission in the hospital. · I n c a s e o f e m e r g e n c y h o s p i t a l i z a t i o n i n f o r m a t i o n t o b e g i v e n w i t h i n 2 4 h o u r s a f t e r h o s p i t a l i z a t i o n . · Cashless facility wherever possible in network hospital. · In non-network hospitals payment must be made up-front and then reimbursement will be ef fected on submission of documents v The Company: Star Health and Allied Insurance Co. Ltd., commenced its operations in 2006 as India's first Standalone Health Insurance provider . As an exclusive Health Insurer , the Company is providing sterling services in Health, Personal Accident & Overseas T ravel Insurance and is committed to setting international benchmarks in service and personal caring. v Star Advantages · No Third Party Administrator , direct in-house claims settlement · Faster and hassle – free claim settlement · Cashless hospitalization v T ax Benefits: Payment of premium by any mode other than cash for this insurance is eligible for relief under Section 80D of the Income T ax Act 1961. v Prohibition of rebates: (Section 41 of Insurance Act 1938): No person shall allow or of fer to allow , either directly or indirectly , as an inducement to any person to take out or renew or continue an insurance in respect of any kind of risk relating to lives or property in India, any rebate of the whole or part of the commission payable or any rebate of the premium shown on the policy , nor shall any person taking out or renewing or continuing a policy accept any rebate, except such rebate as may be allowed in accordance with the published prospectuses or tables of the insurer. Any person making default in complying with the provisions of this section shall be liable for a penalty which may extend to ten lakhs rupees. PREMIUM CHART (Excluding T ax) Amount in Rs. A , = Adult v Portability: The insured person will have the option to port the policy to other insurers by applying to such insurer to port the entire policy along with all the members of the family , if any , at least 45 days before, but not earlier than 60 days from the policy renewal date as per IRDAI guidelines related to portability . lf such person is presently covered and has been continuously covered without any lapses under any health insurance policy with an lndian General/Health insurer , the proposed insured person will get the accrued continuity benefits i n w a i t i n g p e r i o d s a s p e r I R D A I g u i d e l i n e s o n p o r t a b i l i t y . F o r d e t a i l s c o n t a c t “portability@starhealth.in” or call T elephone No +91-044-28288869. For Detailed Guidelines on portability , kindly refer the link https://www .irdai.gov .in/ADMINCMS/cms/frmGuidelines_Layout.aspx?page=PageNo3987 v Withdrawal of the policy i. In the likelihood of this product being withdrawn in future, the Company will intimate the insured person about the same 90 days prior to expiry of the policy ii. lnsured Person will have the option to migrate to similar health insurance product available with the Company at the time of renewal with all the accrued continuity benefits such as cumulative bonus, waiver of waiting period as per IRDAI guidelines, provided the policy has been maintained without a break v Instalment Premium Options: lf the insured person has opted for Payment of Premium on an instalment basis i.e. Half Y early , Quarterly or Monthly , as mentioned in the policy Schedule/Certificate of lnsurance, the following Conditions shall apply (notwithstanding any terms contrary elsewhere in the policy); i. Grace Period of 7 days would be given to pay the instalment premium due for the policy ii. During such grace period, coverage will not be available from the due date of instalment premium till the date of receipt of premium by Company iii. The insured person will get the accrued continuity benefit in respect of the "W aiting Periods", "Specific W aiting Periods" in the event of payment of premium within the stipulated grace Period iv . No interest will be charged lf the instalment premium is not paid on due date v. ln case of instalment premium due not received within the grace period, the policy will get cancelled vi. ln the event of a claim, all subsequent premium instalments shall immediately become due and payable vii The company has the right to recover and deduct all the pending installments from the claim amount due under the policy v Free Look Period: The Free Look Period shall be applicable on new individual health insurance policies and not on renewals or at the time of porting/migrating the policy . T h e i n s u r e d p e r s o n s h a l l b e a l l o w e d f r e e l o o k p e r i o d o f fi f t e e n d a y s f r o m d a t e o f r e c e i p t o f t h e p o l i c y d o c u m e n t t o r e v i e w t h e t e r m s a n d c o n d i t i o n s o f t h e p o l i c y , a n d t o r e t u r n t h e s a m e i f n o t a c c e p t a b l e . l f t h e i n s u r e d h a s n o t m a d e a n y c l a i m d u r i n g t h e F r e e L o o k P e r i o d , t h e i n s u r e d s h a l l b e e n t i t l e d t o ; i. a refund of the premium paid less any expenses incurred by the Company on medical examination of the insured person and the stamp duty charges or ii. where the risk has already commenced and the option of return of the policy is exercised by the insured person, a deduction towards the proportionate risk premium for period of cover or iii. where only a part of the insurance coverage has commenced, such proportionate premium commensurate with the insurance coverage during such period v C a n c e l l a t i o n : T h e p o l i c y h o l d e r m a y c a n c e l t h i s p o l i c y b y g i v i n g 1 5 d a y s w r i t t e n n o t i c e a n d i n s u c h a n e v e n t , t h e C o m p a n y s h a l l r e f u n d p r e m i u m f o r t h e u n e x p i r e d p o l i c y p e r i o d a s d e t a i l e d b e l o w ; 8 9 10 7 596.00 mm 210.00 mm 95.50 mm 95.50 mm 100.00 mm 100.00 mm 102.50 mm 102.50 mm Cancellation table applicable for Policy T erm 1 Y ear without instalment option Period on risk R a t e o f p r e m i u m t o b e r e t a i n e d Up to one month 2 2 . 5 % o f t h e p o l i c y p r e m i u m Exceeding one month up to 3 months 3 7 . 5 % o f t h e p o l i c y p r e m i u m Exceeding 3 months up to 6 months 5 7 . 5 % o f t h e p o l i c y p r e m i u m Exceeding 6 months up to 9 months 8 0 % o f t h e p o l i c y p r e m i u m Exceeding 9 months F u l l o f t h e p o l i c y p r e m i u m Cancellation table applicable for Policy T erm 1 Y ear with instalment option of Half-yearly premium payment frequency Period on risk Rate of premium to be retained Up to one month 45% of the total premium received Exceeding one month up to 4 months 87.5% of the total premium received Exceeding 4 months up to 6 months 100% of the total premium received Exceeding 6 months up to 7 months 65% of the total premium received Exceeding 7 months up to 10 months 85% of the total premium received Exceeding 10 months 100% of the total premium received Cancellation table applicable for Policy T erm 1 Y ear with instalment option of Quarterly premium payment frequency Period on risk Rate of premium to be retained Up to one month 87.5% of the total premium received Exceeding one month up to 3 months 100% of the total premium received Exceeding 3 months up to 4 months 87.5% of the total premium received Exceeding 4 months up to 6 months 100% of the total premium received Exceeding 6 months up to 7 months 85% of the total premium received Exceeding 7 months up to 9 months 100% of the total premium received Exceeding 9 months up to 10 months 85% of the total premium received Exceeding 10 months 100% of the total premium received Cancellation table applicable for Policy T erm 2 Y ears without instalment option Period on risk Rate of premium to be retained Up to one month 17.5% of the policy premium Exceeding one month up to 3 months 25% of the policy premium Exceeding 3 months up to 6 months 37.5% of the policy premium Exceeding 6 months up to 9 months 47.5% of the policy premium Exceeding 9 months up to 12 months 57.5% of the policy premium Exceeding 12 months up to 15 months 67.5% of the policy premium Exceeding 15 months up to 18 months 80% of the policy premium Exceeding 18 months up to 21 months 90% of the policy premium Exceeding 21 months Full of the policy premium Cancellation table applicable for Policy T erm 2 Y ears with instalment option of Half-yearly premium payment frequency Period on risk Rate of premium to be retained Up to one month 45% of the total premium received Exceeding one month up to 4 months 87.5% of the total premium received Exceeding 4 months up to 6 months 100% of the total premium received Exceeding 6 months up to 7 months 65% of the total premium received Exceeding 7 months up to 10 months 85% of the total premium received Exceeding 10 months up to 12 months 100% of the total premium received Exceeding 12 months up to 15 months 90% of the total premium received Exceeding 15 months up to 18 months 100% of the total premium received Exceeding 18 months up to 21 months 90% of the total premium received Exceeding 21 months 100% of the total premium received Cancellation table applicable for Policy T erm 2 Y ears with instalment option of Quarterly premium payment frequency Period on risk Rate of premium to be retained Up to one month 87.5% of the total premium received Exceeding one month up to 3 months 100% of the total premium received Exceeding 3 months up to 4 months 87.5% of the total premium received Exceeding 4 months up to 6 months 100% of the total premium received Exceeding 6 months up to 7 months 85% of the total premium received Exceeding 7 months up to 9 months 100% of the total premium received Exceeding 9 months up to 10 months 85% of the total premium received Exceeding 10 months up to 12 months 100% of the total premium received Exceeding 12 months up to 13 months 97.5% of the total premium received Exceeding 13 months up to 15 months 100% of the total premium received Exceeding 15 months up to 16 months 95% of the total premium received Exceeding 16 months up to 18 months 100% of the total premium received Exceeding 18 months up to 19 months 95% of the total premium received Exceeding 19 months up to 21 months 100% of the total premium received Exceeding 21 months up to 22 months 92.5% of the total premium received Exceeding 22 months 100% of the total premium received Cancellation table applicable for Policy T erm 3 Y ears without instalment option Period on risk Rate of premium to be retained Up to one month 17.5% of the policy premium Exceeding one month up to 3 months 22.5% of the policy premium Exceeding 3 months up to 6 months 30% of the policy premium Exceeding 6 months up to 9 months 37.5% of the policy premium Exceeding 9 months up to 12 months 42.5% of the policy premium Exceeding 12 months up to 15 months 50% of the policy premium Exceeding 15 months up to 18 months 57.5% of the policy premium Exceeding 18 months up to 21 months 65% of the policy premium Exceeding 21 months up to 24 months 72.5% of the policy premium Exceeding 24 months up to 27 months 80% of the policy premium Exceeding 27 months up to 30 months 85% of the policy premium Exceeding 30 months up to 33 months 92.5% of the policy premium Exceeding 33 months Full of the policy premium Cancellation table applicable for Policy T erm 3 Y ears with instalment option of Half-yearly premium payment frequency Period on risk Rate of premium to be retained Up to one month 45% of the total premium received Exceeding one month up to 4 months 87.5% of the total premium received Exceeding 4 months up to 6 months 100% of the total premium received Exceeding 6 months up to 7 months 65% of the total premium received Exceeding 7 months up to 10 months 85% of the total premium received Exceeding 10 months up to 12 months 100% of the total premium received Exceeding 12 months up to 15 months 90% of the total premium received Exceeding 15 months up to 18 months 100% of the total premium received Exceeding 18 months up to 21 months 90% of the total premium received Exceeding 21 months up to 24 months 100% of the total premium received Exceeding 24 months up to 27 months 95% of the total premium received Exceeding 27 months up to 30 months 100% of the total premium received Exceeding 30 months up to 33 months 92.5% of the total premium received Exceeding 33 months 100% of the total premium received Cancellation table applicable for Policy T erm 3 Y ears with instalment option of Quarterly premium payment frequency Period on risk Rate of premium to be retained Up to one month 87.5% of the total premium received Exceeding one month up to 3 months 100% of the total premium received Exceeding 3 months up to 4 months 87.5% of the total premium received Exceeding 4 months up to 6 months 100% of the total premium received Exceeding 6 months up to 7 months 85% of the total premium received Exceeding 7 months up to 9 months 100% of the total premium received Exceeding 9 months up to 10 months 85% of the total premium received Exceeding 10 months up to 12 months 100% of the total premium received Exceeding 12 months up to 13 months 97.5% of the total premium received Exceeding 13 months up to 15 months 100% of the total premium received Exceeding 15 months up to 16 months 95% of the total premium received Exceeding 16 months up to 18 months 100% of the total premium received Exceeding 18 months up to 19 months 95% of the total premium received Exceeding 19 months up to 21 months 100% of the total premium received Exceeding 21 months up to 22 months 92.5% of the total premium received Exceeding 22 months up to 24 months 100% of the total premium received Exceeding 24 months up to 25 months 97.5% of the total premium received Exceeding 25 months up to 27 months 100% of the total premium received Exceeding 27 months up to 28 months 97.5% of the total premium received Exceeding 28 months up to 30 months 100% of the total premium received Exceeding 30 months up to 31 months 95% of the total premium received Exceeding 31 months up to 33 months 100% of the total premium received Exceeding 33 months up to 34 months 95% of the total premium received Exceeding 34 months 100% of the total premium received Individual (1A) Policy T erm 1 year 2 years 3 years Sum Insured 1,00,000 4,450 8,589 12,482 2,00,000 8,456 16,320 23,719 3,00,000 12,900 24,897 36,185 4,00,000 15,501 29,917 43,480 5,00,000 18,000 34,740 50,490 7,50,000 21,000 40,530 58,905 10,00,000 22,500 43,425 63,1 13 15,00,000 29,205 56,366 81,920 20,00,000 32,710 63,130 91,752 25,00,000 35,985 69,451 1,00,938 Buy this Insurance Online at www .starhealth.in and avail discount 5% This discount is available for first purchase only Call T oll-free: 1800-425-2255 / 1800-102-4477, sms ST AR to 56677 Fax T oll Free No: 1800-425-5522 « Email : support@starhealth.in CIN : U66010TN2005PLC056649 « IRDAI Regn. No: 129 T h e i n f o r m a t i o n p r o v i d e d i n t h i s b r o c h u r e i s o n l y i n d i c a t i v e . F o r m o r e d e t a i l s o n t h e r i s k f a c t o r s , t e r m s a n d c o n d i t i o n s , p l e a s e r e a d t h e p o l i c y w o r d i n g s b e f o r e c o n c l u d i n g s a l e O r V i s i t o u r w e b s i t e w w w . s t a r h e a l t h . i n Senior Citizens Red Carpet Health Insurance Policy Unique Identication No.: SHAHLIP21265V042021 2A = Self + Spouse BRO / SCRC / V .9 / 2020 Senior Citizens Red Carpet Health Insurance Policy ST AR HEAL TH AND ALLIED INSURANCE CO L TD Regd. & Corporate Office: 1, New T ank Street, V alluvar Kottam High Road, Nungambakkam, Chennai - 600 034. “IRDAI OR ITS OFFICIALS DO NOT INVOL VE IN ACTIVITIES LIKE SALE OF ANY KIND OF INSURANCE OR FINANCIAL PRODUCTS NOR INVEST PREMIUMS. IRDAI DOES NOT ANNOUNCE ANY BONUS” PUBLIC RECEIVING SUCH PHONE CALLS ARE REQUESTED T O LODGE A POLICE COMPLAINT ALONG WITH DET AILS OF PHONE CALL AND NUMBER” Floater (2A) Policy T erm 1 year 2 years 3 years Sum Insured 10,00,000 38,250 73,823 1,07,291 15,00,000 49,650 95,825 1,39,268 20,00,000 55,610 1,07,327 1,55,986 25,00,000 61,175 1,18,068 1,71,596

6. Note: If the premium is paid Monthly , cancellation of policy will be on “No Refund Basis” Notwithstanding anything contained herein or otherwise, no refunds of premium shall be made in respect of Cancellation where, any claim has been admitted or has been lodged or any benefit has been availed by the insured person under the policy . ii. The Company may cancel the policy at any time on grounds of misrepresentation, non-disclosure of material facts, fraud by the insured person by giving 15 days written notice. There would be no refund of premium on cancellation on grounds of misrepresentation, non- disclosure of material facts or fraud v Automatic Expiry of the policy: The insurance under this policy with respect to each relevant insured person shall expire immediately upon death of the insured person or on expiry of the sum insured whichever shall first occur. v Disclosure to information norms: The policy shall become void and all premium paid thereon shall be forfeited to the Company , in the event of mis-representation, mis description or non- disclosure of any material fact by the policy holder . v Claims Procedure · n Call the 24 hour help-line for assista ce-1800 425 2255 / 1800 102 4477 · In case of planned hospitalization, inform 24 hours prior to admission in the hospital. · I n c a s e o f e m e r g e n c y h o s p i t a l i z a t i o n i n f o r m a t i o n t o b e g i v e n w i t h i n 2 4 h o u r s a f t e r h o s p i t a l i z a t i o n . · Cashless facility wherever possible in network hospital. · In non-network hospitals payment must be made up-front and then reimbursement will be ef fected on submission of documents v The Company: Star Health and Allied Insurance Co. Ltd., commenced its operations in 2006 as India's first Standalone Health Insurance provider . As an exclusive Health Insurer , the Company is providing sterling services in Health, Personal Accident & Overseas T ravel Insurance and is committed to setting international benchmarks in service and personal caring. v Star Advantages · No Third Party Administrator , direct in-house claims settlement · Faster and hassle – free claim settlement · Cashless hospitalization v T ax Benefits: Payment of premium by any mode other than cash for this insurance is eligible for relief under Section 80D of the Income T ax Act 1961. v Prohibition of rebates: (Section 41 of Insurance Act 1938): No person shall allow or of fer to allow , either directly or indirectly , as an inducement to any person to take out or renew or continue an insurance in respect of any kind of risk relating to lives or property in India, any rebate of the whole or part of the commission payable or any rebate of the premium shown on the policy , nor shall any person taking out or renewing or continuing a policy accept any rebate, except such rebate as may be allowed in accordance with the published prospectuses or tables of the insurer. Any person making default in complying with the provisions of this section shall be liable for a penalty which may extend to ten lakhs rupees. PREMIUM CHART (Excluding T ax) Amount in Rs. A , = Adult v Portability: The insured person will have the option to port the policy to other insurers by applying to such insurer to port the entire policy along with all the members of the family , if any , at least 45 days before, but not earlier than 60 days from the policy renewal date as per IRDAI guidelines related to portability . lf such person is presently covered and has been continuously covered without any lapses under any health insurance policy with an lndian General/Health insurer , the proposed insured person will get the accrued continuity benefits i n w a i t i n g p e r i o d s a s p e r I R D A I g u i d e l i n e s o n p o r t a b i l i t y . F o r d e t a i l s c o n t a c t “portability@starhealth.in” or call T elephone No +91-044-28288869. For Detailed Guidelines on portability , kindly refer the link https://www .irdai.gov .in/ADMINCMS/cms/frmGuidelines_Layout.aspx?page=PageNo3987 v Withdrawal of the policy i. In the likelihood of this product being withdrawn in future, the Company will intimate the insured person about the same 90 days prior to expiry of the policy ii. lnsured Person will have the option to migrate to similar health insurance product available with the Company at the time of renewal with all the accrued continuity benefits such as cumulative bonus, waiver of waiting period as per IRDAI guidelines, provided the policy has been maintained without a break v Instalment Premium Options: lf the insured person has opted for Payment of Premium on an instalment basis i.e. Half Y early , Quarterly or Monthly , as mentioned in the policy Schedule/Certificate of lnsurance, the following Conditions shall apply (notwithstanding any terms contrary elsewhere in the policy); i. Grace Period of 7 days would be given to pay the instalment premium due for the policy ii. During such grace period, coverage will not be available from the due date of instalment premium till the date of receipt of premium by Company iii. The insured person will get the accrued continuity benefit in respect of the "W aiting Periods", "Specific W aiting Periods" in the event of payment of premium within the stipulated grace Period iv . No interest will be charged lf the instalment premium is not paid on due date v. ln case of instalment premium due not received within the grace period, the policy will get cancelled vi. ln the event of a claim, all subsequent premium instalments shall immediately become due and payable vii The company has the right to recover and deduct all the pending installments from the claim amount due under the policy v Free Look Period: The Free Look Period shall be applicable on new individual health insurance policies and not on renewals or at the time of porting/migrating the policy . T h e i n s u r e d p e r s o n s h a l l b e a l l o w e d f r e e l o o k p e r i o d o f fi f t e e n d a y s f r o m d a t e o f r e c e i p t o f t h e p o l i c y d o c u m e n t t o r e v i e w t h e t e r m s a n d c o n d i t i o n s o f t h e p o l i c y , a n d t o r e t u r n t h e s a m e i f n o t a c c e p t a b l e . l f t h e i n s u r e d h a s n o t m a d e a n y c l a i m d u r i n g t h e F r e e L o o k P e r i o d , t h e i n s u r e d s h a l l b e e n t i t l e d t o ; i. a refund of the premium paid less any expenses incurred by the Company on medical examination of the insured person and the stamp duty charges or ii. where the risk has already commenced and the option of return of the policy is exercised by the insured person, a deduction towards the proportionate risk premium for period of cover or iii. where only a part of the insurance coverage has commenced, such proportionate premium commensurate with the insurance coverage during such period v C a n c e l l a t i o n : T h e p o l i c y h o l d e r m a y c a n c e l t h i s p o l i c y b y g i v i n g 1 5 d a y s w r i t t e n n o t i c e a n d i n s u c h a n e v e n t , t h e C o m p a n y s h a l l r e f u n d p r e m i u m f o r t h e u n e x p i r e d p o l i c y p e r i o d a s d e t a i l e d b e l o w ; 8 9 10 7 596.00 mm 210.00 mm 95.50 mm 95.50 mm 100.00 mm 100.00 mm 102.50 mm 102.50 mm Cancellation table applicable for Policy T erm 1 Y ear without instalment option Period on risk R a t e o f p r e m i u m t o b e r e t a i n e d Up to one month 2 2 . 5 % o f t h e p o l i c y p r e m i u m Exceeding one month up to 3 months 3 7 . 5 % o f t h e p o l i c y p r e m i u m Exceeding 3 months up to 6 months 5 7 . 5 % o f t h e p o l i c y p r e m i u m Exceeding 6 months up to 9 months 8 0 % o f t h e p o l i c y p r e m i u m Exceeding 9 months F u l l o f t h e p o l i c y p r e m i u m Cancellation table applicable for Policy T erm 1 Y ear with instalment option of Half-yearly premium payment frequency Period on risk Rate of premium to be retained Up to one month 45% of the total premium received Exceeding one month up to 4 months 87.5% of the total premium received Exceeding 4 months up to 6 months 100% of the total premium received Exceeding 6 months up to 7 months 65% of the total premium received Exceeding 7 months up to 10 months 85% of the total premium received Exceeding 10 months 100% of the total premium received Cancellation table applicable for Policy T erm 1 Y ear with instalment option of Quarterly premium payment frequency Period on risk Rate of premium to be retained Up to one month 87.5% of the total premium received Exceeding one month up to 3 months 100% of the total premium received Exceeding 3 months up to 4 months 87.5% of the total premium received Exceeding 4 months up to 6 months 100% of the total premium received Exceeding 6 months up to 7 months 85% of the total premium received Exceeding 7 months up to 9 months 100% of the total premium received Exceeding 9 months up to 10 months 85% of the total premium received Exceeding 10 months 100% of the total premium received Cancellation table applicable for Policy T erm 2 Y ears without instalment option Period on risk Rate of premium to be retained Up to one month 17.5% of the policy premium Exceeding one month up to 3 months 25% of the policy premium Exceeding 3 months up to 6 months 37.5% of the policy premium Exceeding 6 months up to 9 months 47.5% of the policy premium Exceeding 9 months up to 12 months 57.5% of the policy premium Exceeding 12 months up to 15 months 67.5% of the policy premium Exceeding 15 months up to 18 months 80% of the policy premium Exceeding 18 months up to 21 months 90% of the policy premium Exceeding 21 months Full of the policy premium Cancellation table applicable for Policy T erm 2 Y ears with instalment option of Half-yearly premium payment frequency Period on risk Rate of premium to be retained Up to one month 45% of the total premium received Exceeding one month up to 4 months 87.5% of the total premium received Exceeding 4 months up to 6 months 100% of the total premium received Exceeding 6 months up to 7 months 65% of the total premium received Exceeding 7 months up to 10 months 85% of the total premium received Exceeding 10 months up to 12 months 100% of the total premium received Exceeding 12 months up to 15 months 90% of the total premium received Exceeding 15 months up to 18 months 100% of the total premium received Exceeding 18 months up to 21 months 90% of the total premium received Exceeding 21 months 100% of the total premium received Cancellation table applicable for Policy T erm 2 Y ears with instalment option of Quarterly premium payment frequency Period on risk Rate of premium to be retained Up to one month 87.5% of the total premium received Exceeding one month up to 3 months 100% of the total premium received Exceeding 3 months up to 4 months 87.5% of the total premium received Exceeding 4 months up to 6 months 100% of the total premium received Exceeding 6 months up to 7 months 85% of the total premium received Exceeding 7 months up to 9 months 100% of the total premium received Exceeding 9 months up to 10 months 85% of the total premium received Exceeding 10 months up to 12 months 100% of the total premium received Exceeding 12 months up to 13 months 97.5% of the total premium received Exceeding 13 months up to 15 months 100% of the total premium received Exceeding 15 months up to 16 months 95% of the total premium received Exceeding 16 months up to 18 months 100% of the total premium received Exceeding 18 months up to 19 months 95% of the total premium received Exceeding 19 months up to 21 months 100% of the total premium received Exceeding 21 months up to 22 months 92.5% of the total premium received Exceeding 22 months 100% of the total premium received Cancellation table applicable for Policy T erm 3 Y ears without instalment option Period on risk Rate of premium to be retained Up to one month 17.5% of the policy premium Exceeding one month up to 3 months 22.5% of the policy premium Exceeding 3 months up to 6 months 30% of the policy premium Exceeding 6 months up to 9 months 37.5% of the policy premium Exceeding 9 months up to 12 months 42.5% of the policy premium Exceeding 12 months up to 15 months 50% of the policy premium Exceeding 15 months up to 18 months 57.5% of the policy premium Exceeding 18 months up to 21 months 65% of the policy premium Exceeding 21 months up to 24 months 72.5% of the policy premium Exceeding 24 months up to 27 months 80% of the policy premium Exceeding 27 months up to 30 months 85% of the policy premium Exceeding 30 months up to 33 months 92.5% of the policy premium Exceeding 33 months Full of the policy premium Cancellation table applicable for Policy T erm 3 Y ears with instalment option of Half-yearly premium payment frequency Period on risk Rate of premium to be retained Up to one month 45% of the total premium received Exceeding one month up to 4 months 87.5% of the total premium received Exceeding 4 months up to 6 months 100% of the total premium received Exceeding 6 months up to 7 months 65% of the total premium received Exceeding 7 months up to 10 months 85% of the total premium received Exceeding 10 months up to 12 months 100% of the total premium received Exceeding 12 months up to 15 months 90% of the total premium received Exceeding 15 months up to 18 months 100% of the total premium received Exceeding 18 months up to 21 months 90% of the total premium received Exceeding 21 months up to 24 months 100% of the total premium received Exceeding 24 months up to 27 months 95% of the total premium received Exceeding 27 months up to 30 months 100% of the total premium received Exceeding 30 months up to 33 months 92.5% of the total premium received Exceeding 33 months 100% of the total premium received Cancellation table applicable for Policy T erm 3 Y ears with instalment option of Quarterly premium payment frequency Period on risk Rate of premium to be retained Up to one month 87.5% of the total premium received Exceeding one month up to 3 months 100% of the total premium received Exceeding 3 months up to 4 months 87.5% of the total premium received Exceeding 4 months up to 6 months 100% of the total premium received Exceeding 6 months up to 7 months 85% of the total premium received Exceeding 7 months up to 9 months 100% of the total premium received Exceeding 9 months up to 10 months 85% of the total premium received Exceeding 10 months up to 12 months 100% of the total premium received Exceeding 12 months up to 13 months 97.5% of the total premium received Exceeding 13 months up to 15 months 100% of the total premium received Exceeding 15 months up to 16 months 95% of the total premium received Exceeding 16 months up to 18 months 100% of the total premium received Exceeding 18 months up to 19 months 95% of the total premium received Exceeding 19 months up to 21 months 100% of the total premium received Exceeding 21 months up to 22 months 92.5% of the total premium received Exceeding 22 months up to 24 months 100% of the total premium received Exceeding 24 months up to 25 months 97.5% of the total premium received Exceeding 25 months up to 27 months 100% of the total premium received Exceeding 27 months up to 28 months 97.5% of the total premium received Exceeding 28 months up to 30 months 100% of the total premium received Exceeding 30 months up to 31 months 95% of the total premium received Exceeding 31 months up to 33 months 100% of the total premium received Exceeding 33 months up to 34 months 95% of the total premium received Exceeding 34 months 100% of the total premium received Individual (1A) Policy T erm 1 year 2 years 3 years Sum Insured 1,00,000 4,450 8,589 12,482 2,00,000 8,456 16,320 23,719 3,00,000 12,900 24,897 36,185 4,00,000 15,501 29,917 43,480 5,00,000 18,000 34,740 50,490 7,50,000 21,000 40,530 58,905 10,00,000 22,500 43,425 63,1 13 15,00,000 29,205 56,366 81,920 20,00,000 32,710 63,130 91,752 25,00,000 35,985 69,451 1,00,938 Buy this Insurance Online at www .starhealth.in and avail discount 5% This discount is available for first purchase only Call T oll-free: 1800-425-2255 / 1800-102-4477, sms ST AR to 56677 Fax T oll Free No: 1800-425-5522 « Email : support@starhealth.in CIN : U66010TN2005PLC056649 « IRDAI Regn. No: 129 T h e i n f o r m a t i o n p r o v i d e d i n t h i s b r o c h u r e i s o n l y i n d i c a t i v e . F o r m o r e d e t a i l s o n t h e r i s k f a c t o r s , t e r m s a n d c o n d i t i o n s , p l e a s e r e a d t h e p o l i c y w o r d i n g s b e f o r e c o n c l u d i n g s a l e O r V i s i t o u r w e b s i t e w w w . s t a r h e a l t h . i n Senior Citizens Red Carpet Health Insurance Policy Unique Identication No.: SHAHLIP21265V042021 2A = Self + Spouse BRO / SCRC / V .9 / 2020 Senior Citizens Red Carpet Health Insurance Policy ST AR HEAL TH AND ALLIED INSURANCE CO L TD Regd. & Corporate Office: 1, New T ank Street, V alluvar Kottam High Road, Nungambakkam, Chennai - 600 034. “IRDAI OR ITS OFFICIALS DO NOT INVOL VE IN ACTIVITIES LIKE SALE OF ANY KIND OF INSURANCE OR FINANCIAL PRODUCTS NOR INVEST PREMIUMS. IRDAI DOES NOT ANNOUNCE ANY BONUS” PUBLIC RECEIVING SUCH PHONE CALLS ARE REQUESTED T O LODGE A POLICE COMPLAINT ALONG WITH DET AILS OF PHONE CALL AND NUMBER” Floater (2A) Policy T erm 1 year 2 years 3 years Sum Insured 10,00,000 38,250 73,823 1,07,291 15,00,000 49,650 95,825 1,39,268 20,00,000 55,610 1,07,327 1,55,986 25,00,000 61,175 1,18,068 1,71,596

4. T urning sixty is a major milestone and for people, a time to start being more careful about their health. It is a matter of concern that insurance policies are hardly available to address this critical requirement. ST AR Health's Senior Citizens Red Carpet Health Insurance Policy is aimed specifically at senior citizens. It provides cover to anyone from the age of 60 and permits entry right up to the age of 75 with continuing cover thereafter till lifetime. It is our way of caring for a generation that has done so much to build the country we have today . v Eligibility · Entry age 60 and 75 years between · Guaranteed Lifelong renewals v Policy T erm: The policy is available for 1/2/3 years which can be renewed. Where the policy is issued for more than 1 year , the Sum Insured is for each year , without any carry over benefit thereof. v Policy T ype: Individual Sum Insured Floater Sum Insured A vailable on and basis. Floater Sum Insured basis means the sum insured floats amongst the insured persons. v Day Care Procedures: All day care procedures are covered. v Sum Insured Options v Instalment Facility available: Premium can be paid Monthly , Quarterly , Half-yearly . Premium can also be paid Annually , Biennial (Once in 2 years) and T riennial (Once in 3 years). v Pre-acceptance Medical Screening: No pre-acceptance medical screening. However if following medical records of the person proposed for insurance are submitted, a of the discount of 10% premium is allowed; 1. Stress Thallium Report 2. BP Report 3. Sugar (blood & urine) - Fasting / Postprandial 4. Blood urea & creatinine The tests should have been taken within 45 days prior to the date of proposal. If the prospect submits these documents at the time of proposal or at the time of renewal, the discount will be given for all subsequent renewals if the policy is renewed continuously without break. For Floater Policies both self and spouse should submit the medical report to avail discount. M e d i c a l e x a m i n a t i o n m a y a l s o b e d o n e b y t h e o m p a n y f o r t h o s e w h o d e c l a r e a d v e r s e m e d i c a l h i s t o r y . C A t p r e s e n t , 1 0 0 % c o s t o f s u c h m e d i c a l e x a m i n a t i o n i s b o r n e b y t h e c o m p a n y . U n d e r a l l c i r c u m s t a n c e s , t h e p r o p o s e r w i l l b e i n t i m a t e d i n a d v a n c e a b o u t t h e n e e d t o u n d e r g o m e d i c a l e x a m i n a t i o n . v Coverage 1. Hospitalization Cover: Room, Boarding and Nursing expenses as per the table given below; Note: Expenses relating to the hospitalization will be considered in proportion to the room rent limit stated in the policy or actuals whichever is less. 2. Coverage for Modern T reatments Expenses are subject to the limits: (For details please refer website: www .starhealth.in) 3. ICU charges 4. Surgeon, Anesthetist, Medical Practitioner , Consultants and Specialist's fees up to 25% of the sum insured per hospitalization 5. Anesthesia, Blood, Oxygen, Operation Theatre charges, Cost of Pacemaker etc up to 50% of the sum insured per hospitalization 6. Emergency ambulance charges as per the table given below for transporting the insured person by private ambulance services to the hospital 7. Pre hospitalization medical expenses incurred for a period not exceeding 30 days prior to the date of hospitalisation, for disease/illness, injury sustained following an admissible claim for hospitalisation under the policy 8. Post Hospitalisation: Wherever recommended by the treating medical practitioner , Post Hospitalization medical expenses equivalent to 7% of the hospitalization expenses comprising of Nursing Charges, Surgeon / Consultant fees, Diagnostic charges, Medicines and drugs expenses, subject to a maximum as per the table given below; v Special Features A. Out Patient Consultation: Expenses on Medical Consultations as an Out Patient incurred in Network hospitals up to the limits mentioned in the table given below with a limit of Rs.200/- per consultation. Payment under this benefit will not reduce the sum insured and is payable only when the policy is in force Note: Payment of any claim under Out Patient Consultation shall not be construed as a waiver of Company's right to repudiate any claim on grounds of non disclosure of material fact or pre-existing disease, for hospitalization expenses under hospitalization provisions of the policy contract. B. Cost of Health Checkup: Expenses incurred towards cost of health check-up up to the limits mentioned in the table given below for every claim free year provided the health check-up is done at network hospitals and the policy is in force our Note : 1. If a claim is made by any of the Applicable for Policy with sum insured on Floater Basis: insured persons, the health check up benefits will not be available under the policy 2. Payment of expenses towards cost of health check up will not prejudice the company's right to deal with a claim in case of non disclosure of material fact and / or Pre-Existing Diseases in terms of the policy v Co-Payment: This policy is subject to Co-payment mentioned below; v Sublimits For Policy with Sum Insured on Individual Basis; For Policy with Sum Insured on Floater Basis; All Other Major Surgery means Intestinal obstruction – acute / sub acute / chronic, Bilo Pancreatic surgery , Gastro-Intestinal surgeries, T otal Knee Replacement surgery , T otal Hip Replacement surgery , Other major surgeries of joints, Hemi-Orthro Plasty surgeries, Surgeries on Prostrate, Surgery related to Genito-Urinary T ract. Note: Company's liability in respect of all claims admitted during the period of insurance shall not exceed the Sum Insured mentioned in the policy schedule. v Claim Illustration for Sublimit and Co-pay: T reatment for Cerebro V ascular Accident (Individual Basis); v Exclusions The Company shall not be liable to make any payments under this policy in respect of any expenses what so ever incurred by the insured person in connection with or in respect of; 1. Pre-Existing Diseases - Code Excl 01 A. Expenses related to the treatment of a pre-existing Disease (PED) and its direct complications shall be excluded until the expiry of 12 months of continuous coverage after the date of inception of the first policy with insurer B. In case of enhancement of sum insured the exclusion shall apply afresh to the extent of sum insured increase C. If the Insured Person is continuously covered without any break as defined under the portability norms of the extant IRDAI (Health Insurance) Regulations, then waiting period for the same would be reduced to the extent of prior coverage D. Coverage under the policy after the expiry of 12 months for any pre-existing disease is subject to the same being declared at the time of application and accepted by Insurer 2. Specified disease / procedure waiting period - Code Excl 02 A. Expenses related to the treatment of following listed Conditions, surgeries/treatments shall be excluded until the expiry of 24 months of continuous coverage after the date of inception of the first policy with us. This exclusion shall not be applicable for claims arising due to an accident B. In case of enhancement of sum insured the exclusion shall apply afresh to the extent of sum insured increase C. If any of the specified disease/procedure falls under the waiting period specified for pre-existing diseases, then the longer of the two waiting periods shall apply D. The waiting period for listed conditions shall apply even if contracted after the policy or declared and accepted without a specific exclusion E. If the Insured Person is continuously covered without any break as defined under the applicable norms on portability stipulated by IRDAI, then waiting period for the same would be reduced to the extent of prior coverage F. List of specific diseases/procedures; I . T r e a t m e n t o f C a t a r a c t a n d d i s e a s e s o f t h e a n t e r i o r a n d p o s t e r i o r c h a m b e r o f t h e E y e , D i s e a s e s o f E N T , a n d D i s e a s e s r e l a t e d t o T h y r o i d , B e n i g n d i s e a s e s o f t h e b r e a s t ii. Subcutaneous Benign Lumps, Sebaceous cyst, Dermoid cyst, Mucous cyst lip / cheek, Carpal T unnel Syndrome, T rigger Finger , Lipoma , Neurofibroma, Fibroadenoma, Ganglion and similar pathology i i i . A l l t r e a t m e n t s ( C o n s e r v a t i v e , O p e r a t i v e t r e a t m e n t ) a n d a l l t y p e s o f i n t e r v e n t i o n f o r D i se a s e s r e l a t e d t o T e n d o n , L i g a m e n t , F a s c i a , B o n e s a n d J o i n t I n clu d i n g A r t h r o s c o p y a n d A r t h r o p l a s t y / J o i n t R e p l a c e m e n t [ o t h e r t h a n c a u s e d b y a c c i d e n t ] iv . All types of treatment for Degenerative disc and V ertebral diseases including Replacement of bones and joints and Degenerative diseases of the Musculo- skeletal system, Prolapse of Intervertebral Disc (other than caused by accident) v. All treatments (conservative, interventional, laparoscopic and open) related to H e p a t o - p a n c r e a t o - b i l i a r y d i s e a s e s i n c l u d i n g G a l l b l a d d e r a n d P a n c r e a t i c calculi. All types of management for Kidney and Genitourinary tract calculi. vi. All types of Hernia vii. Desmoid T umor , Umbilical Granuloma, Umbilical Sinus, Umbilical Fistula viii. All treatments (conservative, interventional, laparoscopic and open) related to all Diseases of Cervix, Uterus, Fallopian tubes, Ovaries, Uterine Bleeding, Pelvic Inflammatory Diseases ix. All Diseases of Prostate, Stricture Urethra, all Obstructive Uropathies x. Benign T umours of Epididymis, Spermatocele, V aricocele, Hydrocele x i . F i s t u l a , F i s s u r e i n A n o , H e m o r r h o i d s , P i l o n i d a l S i n u s a n d F i s t u l a , R e c t a l P r o l a p s e , S t r e s s I n c o n t i n e n c e xii. V aricose veins and V aricose ulcers xiii. All types of transplant and related surgeries xiv . Congenital Internal disease / defect 3. 30-day waiting period - Code Excl 03 A. Expenses related to the treatment of any illness within 30 days from the first policy commencement date shall be excluded except claims arising due to an accident, provided the same are covered B. This exclusion shall not, however , apply if the Insured Person has continuous coverage for more than twelve months C. The within referred waiting period is made applicable to the enhanced sum insured in the event of granting higher sum insured subsequently 4. Investigation & Evaluation - Code Excl 04 A. Expenses related to any admission primarily for diagnostics and evaluation purposes only are excluded B. Any diagnostic expenses which are not related or not incidental to the current diagnosis and treatment are excluded 5 . R e s t C u r e , r e h a b i l i t a t i o n a n d r e s p i t e c a r e - C o d e E x c l 0 5 : E x p e n s e s r e l a t e d t o a n y a d m i s s i o n p r i m a r i l y f o r e n f o r c e d b e d r e s t a n d n o t f o r r e c e i v i n g t r e a t m e n t . T h i s a l s o i n c l u d e s ; 1. Custodial care either at home or in a nursing facility for personal care such as help with activities of daily living such as bathing, dressing, moving around either by skilled nurses or assistant or non-skilled persons 2. Any services for people who are terminally ill to address physical, social, emotional and spiritual needs 6. Obesity / W eight Control - Code Excl 06: Expenses related to the surgical treatment of obesity that does not fulfill all the below conditions; A. Surgery to be conducted is upon the advice of the Doctor B. The surgery/Procedure conducted should be supported by clinical protocols C. The member has to be 18 years of age or older and D. Body Mass Index (BMI); 1. greater than or equal to 40 or 2. greater than or equal to 35 in conjunction with any of the following severe co-morbidities following failure of less invasive methods of weight loss; a. Obesity-related cardiomyopathy b. Coronary heart disease c. Severe Sleep Apnea d. Uncontrolled T ype2 Diabetes 7. Change-of-Gender treatments - Code Excl 07: Expenses related to any treatment, including surgical management, to change characteristics of the body to those of the opposite sex. 8. Cosmetic or plastic Surgery - Code Excl 08: Expenses for cosmetic or plastic surgery or any treatment to change appearance unless for reconstruction following an Accident, Burn(s) or Cancer or as part of medically necessary treatment to remove a direct and immediate health risk to the insured. For this to be considered a medical necessity , it must be certified by the attending Medical Practitioner . 9. Hazardous or Adventure sports - Code Excl 09: Expenses related to any treatment necessitated due to participation as a professional in hazardous or adventure sports, including but not limited to, para-jumping, rock climbing, mountaineering, rafting, motor racing, horse racing or scuba diving, hand gliding, sky diving, deep-sea diving. 10. Breach of law - Code Excl 10: Expenses for treatment directly arising from or consequent upon any Insured Person committing or attempting to commit a breach of law with criminal intent. 1 1. Excluded Providers - Code Excl 1 1: Expenses incurred towards treatment in any hospital or by any Medical Practitioner or any other provider specifically excluded by the Insurer and disclosed in its website / notified to the policyholders are not admissible. However , in case of life threatening situations or following an accident, expenses up to the stage of stabilization are payable but not the complete claim. 12. T reatment for Alcoholism, drug or substance abuse or any addictive condition and consequences thereof - Code Excl 12 13. T reatments received in health hydros, nature cure clinics, spas or similar establishments or private beds registered as a nursing home attached to such establishments or where admission is arranged wholly or partly for domestic reasons - Code Excl 13 1 4 . D i e t a r y s u p p l e m e n t s a n d s u b s t a n c e s t h a t c a n b e p u r c h a s e d w i t h o u t p r e s c r i p t i o n , i n c l u d i n g b u t n o t l i m i t e d t o V i t a m i n s , m i n e r a l s a n d o r g a n i c s u b s t a n c e s u n l e s s p r e s c r i b e d b y a m e d i c a l p r a c t i t i o n e r a s p a r t o f h o s p i t a l i z a t i o n c l a i m o r d a y c a r e p r o c e d u r e - C o d e E x c l 1 4 15. Refractive Error - Code Excl 15: Expenses related to the treatment for correction of eye sight due to refractive error less than 7. 5 dioptres. 16. Unproven T reatments - Code Excl 16: Expenses related to any unproven treatment, services and supplies for or in connection with any treatment. Unproven treatments are treatments, procedures or supplies that lack significant medical documentation to support their ef fectiveness. 17. Sterility and Infertility - Code Excl 17: Expenses related to sterility and infertility . This includes; a. Any type of contraception, sterilization b. Assisted Reproduction services including artificial insemination and advanced reproductive technologies such as IVF , ZIFT , GIFT , ICSI c. Gestational Surrogacy d. Reversal of sterilization 18. Maternity - Code Excl 18 a . M e d i c a l t r e a t m e n t e x p e n s e s t r a c e a b l e t o c h i l d b i r t h ( i n c l u d i n g c o m p l i c a t e d d e l i v e r i e s a n d c a e s a r e a n s e c t i o n s i n c u r r e d d u r i n g h o s p i t a l i z a t i o n ) e x c e p t e c t o p i c p r e g n a n c y b. Expenses towards miscarriage (unless due to an accident) and lawful medical termination of pregnancy during the policy period 19. Circumcision (unless necessary for treatment of a disease not excluded under this policy or necessitated due to an accident), Preputioplasty , Frenuloplasty , Preputial Dilatation and Removal of SMEGMA - Code Excl 19 20. - Code Excl 20 Congenital External Condition / Defects / Anomalies 21. - Convalescence, general debility , run-down condition, Nutritional deficiency states Code Excl 21 22. - Code Excl 22 Intentional self injury 23. - Code Excl 23 V enereal Disease and Sexually T ransmitted Diseases(Other than HIV) 2 4 . I n j u r y / d i s e a s e d i r e c t l y o r i n d i r e c t l y c a u s e d b y o r a r i s i n g f r o m o r a t t r i b u t a b l e t o w a r , i n v a s i o n , a c t o f f o r e i g n e n e m y , w a r l i k e o p e r a t i o n s ( w h e t h e r w a r b e d e c l a r e d o r n o t ) - C o d e E x c l 2 4 25. Injury or disease directly or indirectly caused by or contributed to by nuclear weapons/materials - Code Excl 25 26. Expenses incurred on Enhanced External Counter Pulsation Therapy and related therapies, Chelation therapy , Hyperbaric Oxygen Therapy , Rotational Field Quantum Magnetic Resonance Therapy , V AX-D, Low level laser therapy , Photodynamic therapy and such other similar therapies - Code Excl 26 27. - Code Excl 27 Unconventional, Untested, Experimental therapies 28. Autologous derived Stromal vascular Fraction, Chondrocyte Implantation, Procedures using Platelet Rich plasma and Intra articular injection therapy - Code Excl 28 29. Biologicals, except when administered as an in-patient, when clinically indicated and hospitalization warranted - Code Excl 29 30. - Code Excl 30 All treatment for Priapism and erectile dysfunctions 31. Inoculation or V accination (except for post–bite treatment and for medical treatment for therapeutic reasons) - Code Excl 31 32. Dental treatment or surgery unless necessitated due to accidental injuries and requiring hospitalization. (Dental implants are not payable) - Code Excl 32 33. - Medical and / or surgical treatment of Sleep apnea, treatment for endocrine disorders Code Excl 33 34. Hospital registration charges, admission charges, record charges, telephone charges and such other charges - Code Excl 34 35. - Code Excl 35 Cochlear implants and procedure related hospitalization expenses 36. - Code Excl 36 Any hospitalizations which are not Medically Necessary 37. - Code Excl 37 Other Excluded Expenses as detailed in the website www .starhealth.in 38. Existing disease/s, disclosed by the insured and mentioned in the policy schedule (based on insured's consent), for specified ICD codes - Code Excl 38 39. Expenses incurred for treatment of diseases/illness/accidental injuries by systems of medicine other than allopathy - Code Excl 39 N o t e : E x c l u s i o n N o s . 1 5 , 1 7 , 1 8 , 3 1 , 3 2 , 3 3 , 3 5 a n d 3 9 a r e n o t a p p l i c a b l e f o r O u t p a t i e n t C o n s u l t a t i o n V Moratorium Period: After completion of eight continuous years under the policy no look back to be applied. This period of eight years is called as moratorium period. The moratorium would be applicable for the sums insured of the first policy and subsequently completion of 8 continuous years would be applicable from date of enhancement of sums insured only on the enhanced limits. After the expiry of Moratorium Period no health insurance claim shall be contestable except for proven fraud and permanent exclusions specified in the policy contract. The policies would however be subject to all limits, sub limits, co-payments, deductibles as per the policy contract. v Renewal and Grace Period: The policy shall ordinarily be renewable except on grounds of fraud, misrepresentation by the Insured Person; 1. The Company shall endeavor to give notice for renewal. However , the Company is not under obligation to give any notice for renewal 2. Renewal shall not be denied on the ground that the insured person had made a claim or claims in the preceding policy years 3. Request for renewal along with requisite premium shall be received by the Company before the end of the policy period 4. At the end of the policy period, the policy shall terminate and can be renewed within the Grace Period of 30 days to maintain continuity of benefits without break in policy 5. Coverage is not available during the grace period 6. No loading shall apply on renewals based on individual claims experience v P o s s i b i l i t y o f R e v i s i o n o f T e r m s o f t h e P o l i c y l n c l u d i n g t h e P r e m i u m R a t e s : T h e C o m p a n y , w i t h p r i o r a p p r o v a l o f l R D A l , m a y r e v i s e o r m o d i f y t h e t e r m s o f t h e p o l i c y i n c l u d i n g t h e p r e m i u m r a t e s . T h e i n s u r e d p e r s o n s h a l l b e n o t i fi e d t h r e e m o n t h s b e f o r e t h e c h a n g e s a r e e f f e c t e d . v Revision in Sum Insured: Any revision in sum insured is permissible only at the time of renewal. The Insured Person can propose such revision and may be allowed subject to Company's approval and payment of appropriate premium. v Migration: The insured person will have the option to migrate the policy to other health insurance products/plans of fered by the company by applying for migration of the Policy atleast 30 days before the policy renewal date as per IRDAI guidelines on Migration. lf such person is presently covered and has been continuously covered without any lapses under any health insurance product/plan of fered by the company , the insured person will get the accrued continuity benefits in waiting periods as per IRDAI guidelines on migration . For Detailed Guidelines on migration, kindly refer the link https://www .irdai.gov .in/ADMINCMS/cms/frmGuidelines_Layout.aspx?page=PageNo3987 1 2 3 4 6 5 596.00 mm 210.00 mm 102.50 mm 102.50 mm 100.00 mm 100.00 mm 95.50 mm 95.50 mm Senior Citizens Red Carpet Health Insurance Policy Unique Identification No.: SHAHLIP21265V042021 Sum Insured on Individual Basis (Rs.) 1,00,000/- 2,00,000/- 3,00,000/- 4,00,000/- 5,00,000/- 7,50,000/- Sum Insured on Individual & Floater Basis (Rs.) 10,00,000/- 15,00,000/- 20,00,000/- 25,00,000/- Sum Insured (Rs.) Room Rent Limit (per day) Rs.1,00,000/- to Rs.5,00,000/- Up to 1% of the sum insured. Rs.7,50,000/- and Rs.10,00,000/- Up to Rs.6,000/- Rs.15,00,000/- Up to Rs.7,000/- Rs.20,00,000/- Up to Rs.8,500/- Rs.25,00,000/- Up to Rs.10,000/- Sum Insured (Rs.) Limit (per day) Rs.1,00,000/- to Rs.10,00,000/- Up to 2% of the sum insured. Rs.15,00,000/- to Rs.25,00,000/- Actuals Sum Insured (Rs.) Limits per occurrence (Rs.) 1,00,000/- to 7,50,000/- 5,000/- 10,00,000/- and 15,00,000/- 7,000/- 20,00,000/- and 25,00,000/- 10,000/- Sum Insured (Rs.) Limit per hospitalisation (Rs.) Limit per policy period (Rs.) 1,00,000/- to 4,00,000/- 600/- 1,200/- 5,00,000/- to 10,00,000/- 1,000/- 2,000/- 15,00,000/- to 25,00,000/- 1,500/- 3,000/- Sum Insured (Rs.) Limit per person per policy period for policy with Sum Insured on Individual Basis For Policy with Sum Insured on Floater Basis Limit Per Person Rs. L i m i t P e r P o l i c y P e r i o d R s . 1,00,000 Not A vailable Not A vailable 2,00,000 3,00,000 600 4,00,000 800 5,00,000 1,000 7,50,000 1,200 10,00,000 1,400 1,400 2,400 15,00,000 1,800 1,800 3,000 20,00,000 2,200 2,200 3,800 25,00,000 2,600 2,600 4,400 Sum Insured (Rs.) Limit per person per policy period (Sum Insured on Individual Basis) (Rs.) For Floater Policies Limit Per Person Rs. Limit Per Policy Period Rs. 1,00,000/- to 4,00,000/- Not A vailable 5,00,000 and 7,50,000 1,000 Not A vailable 10,00,000 and 15,00,000 2,000 2,000 3,500 20,00,000 and 25,00,000 2,500 2,500 4,500 Sum Insured Rs. Co-pay 1,00,000/- to 10,00,000/- PED Claims : 50% of each and every admissible claim Non PED Claims : 30% of each and every admissible claim 15,00,000/- to 25,00,000/- P E D a n d N o n P E D C l a i m s : 3 0 % e a c h a n d e v e r y a d m i s s i b l e c l a i m PED means Pre Existing Disease Sum Insured (Rs.) Cataract Cerebro vascular Accident, Cardio vascular Diseases, Cancer (Including Chemotherapy / Radiotherapy), Medical Renal Diseases (Including Dialysis), T reatment of Breakage of Long Bones All other major surgeries Limit per person, per policy period for each diseases / Condition Rs. 1,00,000 15,000 75,000 60,000 2,00,000 15,000 1,50,000 1,20,000 3,00,000 18,000 2,00,000 1,50,000 4,00,000 20,000 2,25,000 2,00,000 5,00,000 21,500 2,75,000 2,25,000 7,50,000 23,000 3,00,000 2,50,000 10,00,000 25,000 3,50,000 2,75,000 15,00,000 30,000 4,00,000 3,00,000 20,00,000 35,000 4,50,000 3,25,000 25,00,000 40,000 5,00,000 3,50,000 Sum Insured (Rs.) Cataract Cerebro vascular Accident, Cardio vascular Diseases, Cancer (Including Chemotherapy / Radiotherapy), Medical Renal Diseases (Including Dialysis), T reatment of Breakage of Long Bones All other major surgeries Limit per person Rs. Limit per policy period Limit per person Rs. Limit per policy period Rs. Limit per person Rs. Limit per policy period 10,00,000 25,000 45,000 3,50,000 6,00,000 2,75,000 4,50,000 15,00,000 30,000 50,000 4,00,000 7,00,000 3,00,000 5,00,000 20,00,000 35,000 60,000 4,50,000 7,50,000 3,25,000 5,50,000 25,00,000 40,000 70,000 5,00,000 8,50,000 3,50,000 6,00,000 Note : The limits are applicable for treatment of each disease / condition Sum Insured Rs.15,00,000 Actual claim amount Rs.10,00,000 Sublimit for CV A Rs. 4,00,000 Admissible claim amount Rs. 8,00,000 ( A f t e r c o n s i d e r i n g 1 . L i m i t f o r r o o m r e n t , 2 . L i m i t f o r I C U C h a r g e s , 3 . L i m i t f o r m e d i c a l p r a c t i t i o n e r f e e [ 2 5 % o f t h e S u m I n s u r e d ] , 4 . L i m i t f o r A n e t h e s i a / O T C h a r g e s [ 5 0 % o f t h e S u m I n s u r e d ] ) - A Less: Co-pay (30%) Rs. 2,40,000 (30% co-pay on admissible claim amount) - B C l a i m a m o u n t p a y a b l e a f t e r 3 0 % c o p a y Rs. 5,60,000 A (-) B Final Settled amount Rs. 4,00,000 Claim amount payable is greater than sublimit. Hence Company’ s liability is up to sublimit

2. T urning sixty is a major milestone and for people, a time to start being more careful about their health. It is a matter of concern that insurance policies are hardly available to address this critical requirement. ST AR Health's Senior Citizens Red Carpet Health Insurance Policy is aimed specifically at senior citizens. It provides cover to anyone from the age of 60 and permits entry right up to the age of 75 with continuing cover thereafter till lifetime. It is our way of caring for a generation that has done so much to build the country we have today . v Eligibility · Entry age 60 and 75 years between · Guaranteed Lifelong renewals v Policy T erm: The policy is available for 1/2/3 years which can be renewed. Where the policy is issued for more than 1 year , the Sum Insured is for each year , without any carry over benefit thereof. v Policy T ype: Individual Sum Insured Floater Sum Insured A vailable on and basis. Floater Sum Insured basis means the sum insured floats amongst the insured persons. v Day Care Procedures: All day care procedures are covered. v Sum Insured Options v Instalment Facility available: Premium can be paid Monthly , Quarterly , Half-yearly . Premium can also be paid Annually , Biennial (Once in 2 years) and T riennial (Once in 3 years). v Pre-acceptance Medical Screening: No pre-acceptance medical screening. However if following medical records of the person proposed for insurance are submitted, a of the discount of 10% premium is allowed; 1. Stress Thallium Report 2. BP Report 3. Sugar (blood & urine) - Fasting / Postprandial 4. Blood urea & creatinine The tests should have been taken within 45 days prior to the date of proposal. If the prospect submits these documents at the time of proposal or at the time of renewal, the discount will be given for all subsequent renewals if the policy is renewed continuously without break. For Floater Policies both self and spouse should submit the medical report to avail discount. M e d i c a l e x a m i n a t i o n m a y a l s o b e d o n e b y t h e o m p a n y f o r t h o s e w h o d e c l a r e a d v e r s e m e d i c a l h i s t o r y . C A t p r e s e n t , 1 0 0 % c o s t o f s u c h m e d i c a l e x a m i n a t i o n i s b o r n e b y t h e c o m p a n y . U n d e r a l l c i r c u m s t a n c e s , t h e p r o p o s e r w i l l b e i n t i m a t e d i n a d v a n c e a b o u t t h e n e e d t o u n d e r g o m e d i c a l e x a m i n a t i o n . v Coverage 1. Hospitalization Cover: Room, Boarding and Nursing expenses as per the table given below; Note: Expenses relating to the hospitalization will be considered in proportion to the room rent limit stated in the policy or actuals whichever is less. 2. Coverage for Modern T reatments Expenses are subject to the limits: (For details please refer website: www .starhealth.in) 3. ICU charges 4. Surgeon, Anesthetist, Medical Practitioner , Consultants and Specialist's fees up to 25% of the sum insured per hospitalization 5. Anesthesia, Blood, Oxygen, Operation Theatre charges, Cost of Pacemaker etc up to 50% of the sum insured per hospitalization 6. Emergency ambulance charges as per the table given below for transporting the insured person by private ambulance services to the hospital 7. Pre hospitalization medical expenses incurred for a period not exceeding 30 days prior to the date of hospitalisation, for disease/illness, injury sustained following an admissible claim for hospitalisation under the policy 8. Post Hospitalisation: Wherever recommended by the treating medical practitioner , Post Hospitalization medical expenses equivalent to 7% of the hospitalization expenses comprising of Nursing Charges, Surgeon / Consultant fees, Diagnostic charges, Medicines and drugs expenses, subject to a maximum as per the table given below; v Special Features A. Out Patient Consultation: Expenses on Medical Consultations as an Out Patient incurred in Network hospitals up to the limits mentioned in the table given below with a limit of Rs.200/- per consultation. Payment under this benefit will not reduce the sum insured and is payable only when the policy is in force Note: Payment of any claim under Out Patient Consultation shall not be construed as a waiver of Company's right to repudiate any claim on grounds of non disclosure of material fact or pre-existing disease, for hospitalization expenses under hospitalization provisions of the policy contract. B. Cost of Health Checkup: Expenses incurred towards cost of health check-up up to the limits mentioned in the table given below for every claim free year provided the health check-up is done at network hospitals and the policy is in force our Note : 1. If a claim is made by any of the Applicable for Policy with sum insured on Floater Basis: insured persons, the health check up benefits will not be available under the policy 2. Payment of expenses towards cost of health check up will not prejudice the company's right to deal with a claim in case of non disclosure of material fact and / or Pre-Existing Diseases in terms of the policy v Co-Payment: This policy is subject to Co-payment mentioned below; v Sublimits For Policy with Sum Insured on Individual Basis; For Policy with Sum Insured on Floater Basis; All Other Major Surgery means Intestinal obstruction – acute / sub acute / chronic, Bilo Pancreatic surgery , Gastro-Intestinal surgeries, T otal Knee Replacement surgery , T otal Hip Replacement surgery , Other major surgeries of joints, Hemi-Orthro Plasty surgeries, Surgeries on Prostrate, Surgery related to Genito-Urinary T ract. Note: Company's liability in respect of all claims admitted during the period of insurance shall not exceed the Sum Insured mentioned in the policy schedule. v Claim Illustration for Sublimit and Co-pay: T reatment for Cerebro V ascular Accident (Individual Basis); v Exclusions The Company shall not be liable to make any payments under this policy in respect of any expenses what so ever incurred by the insured person in connection with or in respect of; 1. Pre-Existing Diseases - Code Excl 01 A. Expenses related to the treatment of a pre-existing Disease (PED) and its direct complications shall be excluded until the expiry of 12 months of continuous coverage after the date of inception of the first policy with insurer B. In case of enhancement of sum insured the exclusion shall apply afresh to the extent of sum insured increase C. If the Insured Person is continuously covered without any break as defined under the portability norms of the extant IRDAI (Health Insurance) Regulations, then waiting period for the same would be reduced to the extent of prior coverage D. Coverage under the policy after the expiry of 12 months for any pre-existing disease is subject to the same being declared at the time of application and accepted by Insurer 2. Specified disease / procedure waiting period - Code Excl 02 A. Expenses related to the treatment of following listed Conditions, surgeries/treatments shall be excluded until the expiry of 24 months of continuous coverage after the date of inception of the first policy with us. This exclusion shall not be applicable for claims arising due to an accident B. In case of enhancement of sum insured the exclusion shall apply afresh to the extent of sum insured increase C. If any of the specified disease/procedure falls under the waiting period specified for pre-existing diseases, then the longer of the two waiting periods shall apply D. The waiting period for listed conditions shall apply even if contracted after the policy or declared and accepted without a specific exclusion E. If the Insured Person is continuously covered without any break as defined under the applicable norms on portability stipulated by IRDAI, then waiting period for the same would be reduced to the extent of prior coverage F. List of specific diseases/procedures; I . T r e a t m e n t o f C a t a r a c t a n d d i s e a s e s o f t h e a n t e r i o r a n d p o s t e r i o r c h a m b e r o f t h e E y e , D i s e a s e s o f E N T , a n d D i s e a s e s r e l a t e d t o T h y r o i d , B e n i g n d i s e a s e s o f t h e b r e a s t ii. Subcutaneous Benign Lumps, Sebaceous cyst, Dermoid cyst, Mucous cyst lip / cheek, Carpal T unnel Syndrome, T rigger Finger , Lipoma , Neurofibroma, Fibroadenoma, Ganglion and similar pathology i i i . A l l t r e a t m e n t s ( C o n s e r v a t i v e , O p e r a t i v e t r e a t m e n t ) a n d a l l t y p e s o f i n t e r v e n t i o n f o r D i se a s e s r e l a t e d t o T e n d o n , L i g a m e n t , F a s c i a , B o n e s a n d J o i n t I n clu d i n g A r t h r o s c o p y a n d A r t h r o p l a s t y / J o i n t R e p l a c e m e n t [ o t h e r t h a n c a u s e d b y a c c i d e n t ] iv . All types of treatment for Degenerative disc and V ertebral diseases including Replacement of bones and joints and Degenerative diseases of the Musculo- skeletal system, Prolapse of Intervertebral Disc (other than caused by accident) v. All treatments (conservative, interventional, laparoscopic and open) related to H e p a t o - p a n c r e a t o - b i l i a r y d i s e a s e s i n c l u d i n g G a l l b l a d d e r a n d P a n c r e a t i c calculi. All types of management for Kidney and Genitourinary tract calculi. vi. All types of Hernia vii. Desmoid T umor , Umbilical Granuloma, Umbilical Sinus, Umbilical Fistula viii. All treatments (conservative, interventional, laparoscopic and open) related to all Diseases of Cervix, Uterus, Fallopian tubes, Ovaries, Uterine Bleeding, Pelvic Inflammatory Diseases ix. All Diseases of Prostate, Stricture Urethra, all Obstructive Uropathies x. Benign T umours of Epididymis, Spermatocele, V aricocele, Hydrocele x i . F i s t u l a , F i s s u r e i n A n o , H e m o r r h o i d s , P i l o n i d a l S i n u s a n d F i s t u l a , R e c t a l P r o l a p s e , S t r e s s I n c o n t i n e n c e xii. V aricose veins and V aricose ulcers xiii. All types of transplant and related surgeries xiv . Congenital Internal disease / defect 3. 30-day waiting period - Code Excl 03 A. Expenses related to the treatment of any illness within 30 days from the first policy commencement date shall be excluded except claims arising due to an accident, provided the same are covered B. This exclusion shall not, however , apply if the Insured Person has continuous coverage for more than twelve months C. The within referred waiting period is made applicable to the enhanced sum insured in the event of granting higher sum insured subsequently 4. Investigation & Evaluation - Code Excl 04 A. Expenses related to any admission primarily for diagnostics and evaluation purposes only are excluded B. Any diagnostic expenses which are not related or not incidental to the current diagnosis and treatment are excluded 5 . R e s t C u r e , r e h a b i l i t a t i o n a n d r e s p i t e c a r e - C o d e E x c l 0 5 : E x p e n s e s r e l a t e d t o a n y a d m i s s i o n p r i m a r i l y f o r e n f o r c e d b e d r e s t a n d n o t f o r r e c e i v i n g t r e a t m e n t . T h i s a l s o i n c l u d e s ; 1. Custodial care either at home or in a nursing facility for personal care such as help with activities of daily living such as bathing, dressing, moving around either by skilled nurses or assistant or non-skilled persons 2. Any services for people who are terminally ill to address physical, social, emotional and spiritual needs 6. Obesity / W eight Control - Code Excl 06: Expenses related to the surgical treatment of obesity that does not fulfill all the below conditions; A. Surgery to be conducted is upon the advice of the Doctor B. The surgery/Procedure conducted should be supported by clinical protocols C. The member has to be 18 years of age or older and D. Body Mass Index (BMI); 1. greater than or equal to 40 or 2. greater than or equal to 35 in conjunction with any of the following severe co-morbidities following failure of less invasive methods of weight loss; a. Obesity-related cardiomyopathy b. Coronary heart disease c. Severe Sleep Apnea d. Uncontrolled T ype2 Diabetes 7. Change-of-Gender treatments - Code Excl 07: Expenses related to any treatment, including surgical management, to change characteristics of the body to those of the opposite sex. 8. Cosmetic or plastic Surgery - Code Excl 08: Expenses for cosmetic or plastic surgery or any treatment to change appearance unless for reconstruction following an Accident, Burn(s) or Cancer or as part of medically necessary treatment to remove a direct and immediate health risk to the insured. For this to be considered a medical necessity , it must be certified by the attending Medical Practitioner . 9. Hazardous or Adventure sports - Code Excl 09: Expenses related to any treatment necessitated due to participation as a professional in hazardous or adventure sports, including but not limited to, para-jumping, rock climbing, mountaineering, rafting, motor racing, horse racing or scuba diving, hand gliding, sky diving, deep-sea diving. 10. Breach of law - Code Excl 10: Expenses for treatment directly arising from or consequent upon any Insured Person committing or attempting to commit a breach of law with criminal intent. 1 1. Excluded Providers - Code Excl 1 1: Expenses incurred towards treatment in any hospital or by any Medical Practitioner or any other provider specifically excluded by the Insurer and disclosed in its website / notified to the policyholders are not admissible. However , in case of life threatening situations or following an accident, expenses up to the stage of stabilization are payable but not the complete claim. 12. T reatment for Alcoholism, drug or substance abuse or any addictive condition and consequences thereof - Code Excl 12 13. T reatments received in health hydros, nature cure clinics, spas or similar establishments or private beds registered as a nursing home attached to such establishments or where admission is arranged wholly or partly for domestic reasons - Code Excl 13 1 4 . D i e t a r y s u p p l e m e n t s a n d s u b s t a n c e s t h a t c a n b e p u r c h a s e d w i t h o u t p r e s c r i p t i o n , i n c l u d i n g b u t n o t l i m i t e d t o V i t a m i n s , m i n e r a l s a n d o r g a n i c s u b s t a n c e s u n l e s s p r e s c r i b e d b y a m e d i c a l p r a c t i t i o n e r a s p a r t o f h o s p i t a l i z a t i o n c l a i m o r d a y c a r e p r o c e d u r e - C o d e E x c l 1 4 15. Refractive Error - Code Excl 15: Expenses related to the treatment for correction of eye sight due to refractive error less than 7. 5 dioptres. 16. Unproven T reatments - Code Excl 16: Expenses related to any unproven treatment, services and supplies for or in connection with any treatment. Unproven treatments are treatments, procedures or supplies that lack significant medical documentation to support their ef fectiveness. 17. Sterility and Infertility - Code Excl 17: Expenses related to sterility and infertility . This includes; a. Any type of contraception, sterilization b. Assisted Reproduction services including artificial insemination and advanced reproductive technologies such as IVF , ZIFT , GIFT , ICSI c. Gestational Surrogacy d. Reversal of sterilization 18. Maternity - Code Excl 18 a . M e d i c a l t r e a t m e n t e x p e n s e s t r a c e a b l e t o c h i l d b i r t h ( i n c l u d i n g c o m p l i c a t e d d e l i v e r i e s a n d c a e s a r e a n s e c t i o n s i n c u r r e d d u r i n g h o s p i t a l i z a t i o n ) e x c e p t e c t o p i c p r e g n a n c y b. Expenses towards miscarriage (unless due to an accident) and lawful medical termination of pregnancy during the policy period 19. Circumcision (unless necessary for treatment of a disease not excluded under this policy or necessitated due to an accident), Preputioplasty , Frenuloplasty , Preputial Dilatation and Removal of SMEGMA - Code Excl 19 20. - Code Excl 20 Congenital External Condition / Defects / Anomalies 21. - Convalescence, general debility , run-down condition, Nutritional deficiency states Code Excl 21 22. - Code Excl 22 Intentional self injury 23. - Code Excl 23 V enereal Disease and Sexually T ransmitted Diseases(Other than HIV) 2 4 . I n j u r y / d i s e a s e d i r e c t l y o r i n d i r e c t l y c a u s e d b y o r a r i s i n g f r o m o r a t t r i b u t a b l e t o w a r , i n v a s i o n , a c t o f f o r e i g n e n e m y , w a r l i k e o p e r a t i o n s ( w h e t h e r w a r b e d e c l a r e d o r n o t ) - C o d e E x c l 2 4 25. Injury or disease directly or indirectly caused by or contributed to by nuclear weapons/materials - Code Excl 25 26. Expenses incurred on Enhanced External Counter Pulsation Therapy and related therapies, Chelation therapy , Hyperbaric Oxygen Therapy , Rotational Field Quantum Magnetic Resonance Therapy , V AX-D, Low level laser therapy , Photodynamic therapy and such other similar therapies - Code Excl 26 27. - Code Excl 27 Unconventional, Untested, Experimental therapies 28. Autologous derived Stromal vascular Fraction, Chondrocyte Implantation, Procedures using Platelet Rich plasma and Intra articular injection therapy - Code Excl 28 29. Biologicals, except when administered as an in-patient, when clinically indicated and hospitalization warranted - Code Excl 29 30. - Code Excl 30 All treatment for Priapism and erectile dysfunctions 31. Inoculation or V accination (except for post–bite treatment and for medical treatment for therapeutic reasons) - Code Excl 31 32. Dental treatment or surgery unless necessitated due to accidental injuries and requiring hospitalization. (Dental implants are not payable) - Code Excl 32 33. - Medical and / or surgical treatment of Sleep apnea, treatment for endocrine disorders Code Excl 33 34. Hospital registration charges, admission charges, record charges, telephone charges and such other charges - Code Excl 34 35. - Code Excl 35 Cochlear implants and procedure related hospitalization expenses 36. - Code Excl 36 Any hospitalizations which are not Medically Necessary 37. - Code Excl 37 Other Excluded Expenses as detailed in the website www .starhealth.in 38. Existing disease/s, disclosed by the insured and mentioned in the policy schedule (based on insured's consent), for specified ICD codes - Code Excl 38 39. Expenses incurred for treatment of diseases/illness/accidental injuries by systems of medicine other than allopathy - Code Excl 39 N o t e : E x c l u s i o n N o s . 1 5 , 1 7 , 1 8 , 3 1 , 3 2 , 3 3 , 3 5 a n d 3 9 a r e n o t a p p l i c a b l e f o r O u t p a t i e n t C o n s u l t a t i o n V Moratorium Period: After completion of eight continuous years under the policy no look back to be applied. This period of eight years is called as moratorium period. The moratorium would be applicable for the sums insured of the first policy and subsequently completion of 8 continuous years would be applicable from date of enhancement of sums insured only on the enhanced limits. After the expiry of Moratorium Period no health insurance claim shall be contestable except for proven fraud and permanent exclusions specified in the policy contract. The policies would however be subject to all limits, sub limits, co-payments, deductibles as per the policy contract. v Renewal and Grace Period: The policy shall ordinarily be renewable except on grounds of fraud, misrepresentation by the Insured Person; 1. The Company shall endeavor to give notice for renewal. However , the Company is not under obligation to give any notice for renewal 2. Renewal shall not be denied on the ground that the insured person had made a claim or claims in the preceding policy years 3. Request for renewal along with requisite premium shall be received by the Company before the end of the policy period 4. At the end of the policy period, the policy shall terminate and can be renewed within the Grace Period of 30 days to maintain continuity of benefits without break in policy 5. Coverage is not available during the grace period 6. No loading shall apply on renewals based on individual claims experience v P o s s i b i l i t y o f R e v i s i o n o f T e r m s o f t h e P o l i c y l n c l u d i n g t h e P r e m i u m R a t e s : T h e C o m p a n y , w i t h p r i o r a p p r o v a l o f l R D A l , m a y r e v i s e o r m o d i f y t h e t e r m s o f t h e p o l i c y i n c l u d i n g t h e p r e m i u m r a t e s . T h e i n s u r e d p e r s o n s h a l l b e n o t i fi e d t h r e e m o n t h s b e f o r e t h e c h a n g e s a r e e f f e c t e d . v Revision in Sum Insured: Any revision in sum insured is permissible only at the time of renewal. The Insured Person can propose such revision and may be allowed subject to Company's approval and payment of appropriate premium. v Migration: The insured person will have the option to migrate the policy to other health insurance products/plans of fered by the company by applying for migration of the Policy atleast 30 days before the policy renewal date as per IRDAI guidelines on Migration. lf such person is presently covered and has been continuously covered without any lapses under any health insurance product/plan of fered by the company , the insured person will get the accrued continuity benefits in waiting periods as per IRDAI guidelines on migration . For Detailed Guidelines on migration, kindly refer the link https://www .irdai.gov .in/ADMINCMS/cms/frmGuidelines_Layout.aspx?page=PageNo3987 1 2 3 4 6 5 596.00 mm 210.00 mm 102.50 mm 102.50 mm 100.00 mm 100.00 mm 95.50 mm 95.50 mm Senior Citizens Red Carpet Health Insurance Policy Unique Identification No.: SHAHLIP21265V042021 Sum Insured on Individual Basis (Rs.) 1,00,000/- 2,00,000/- 3,00,000/- 4,00,000/- 5,00,000/- 7,50,000/- Sum Insured on Individual & Floater Basis (Rs.) 10,00,000/- 15,00,000/- 20,00,000/- 25,00,000/- Sum Insured (Rs.) Room Rent Limit (per day) Rs.1,00,000/- to Rs.5,00,000/- Up to 1% of the sum insured. Rs.7,50,000/- and Rs.10,00,000/- Up to Rs.6,000/- Rs.15,00,000/- Up to Rs.7,000/- Rs.20,00,000/- Up to Rs.8,500/- Rs.25,00,000/- Up to Rs.10,000/- Sum Insured (Rs.) Limit (per day) Rs.1,00,000/- to Rs.10,00,000/- Up to 2% of the sum insured. Rs.15,00,000/- to Rs.25,00,000/- Actuals Sum Insured (Rs.) Limits per occurrence (Rs.) 1,00,000/- to 7,50,000/- 5,000/- 10,00,000/- and 15,00,000/- 7,000/- 20,00,000/- and 25,00,000/- 10,000/- Sum Insured (Rs.) Limit per hospitalisation (Rs.) Limit per policy period (Rs.) 1,00,000/- to 4,00,000/- 600/- 1,200/- 5,00,000/- to 10,00,000/- 1,000/- 2,000/- 15,00,000/- to 25,00,000/- 1,500/- 3,000/- Sum Insured (Rs.) Limit per person per policy period for policy with Sum Insured on Individual Basis For Policy with Sum Insured on Floater Basis Limit Per Person Rs. L i m i t P e r P o l i c y P e r i o d R s . 1,00,000 Not A vailable Not A vailable 2,00,000 3,00,000 600 4,00,000 800 5,00,000 1,000 7,50,000 1,200 10,00,000 1,400 1,400 2,400 15,00,000 1,800 1,800 3,000 20,00,000 2,200 2,200 3,800 25,00,000 2,600 2,600 4,400 Sum Insured (Rs.) Limit per person per policy period (Sum Insured on Individual Basis) (Rs.) For Floater Policies Limit Per Person Rs. Limit Per Policy Period Rs. 1,00,000/- to 4,00,000/- Not A vailable 5,00,000 and 7,50,000 1,000 Not A vailable 10,00,000 and 15,00,000 2,000 2,000 3,500 20,00,000 and 25,00,000 2,500 2,500 4,500 Sum Insured Rs. Co-pay 1,00,000/- to 10,00,000/- PED Claims : 50% of each and every admissible claim Non PED Claims : 30% of each and every admissible claim 15,00,000/- to 25,00,000/- P E D a n d N o n P E D C l a i m s : 3 0 % e a c h a n d e v e r y a d m i s s i b l e c l a i m PED means Pre Existing Disease Sum Insured (Rs.) Cataract Cerebro vascular Accident, Cardio vascular Diseases, Cancer (Including Chemotherapy / Radiotherapy), Medical Renal Diseases (Including Dialysis), T reatment of Breakage of Long Bones All other major surgeries Limit per person, per policy period for each diseases / Condition Rs. 1,00,000 15,000 75,000 60,000 2,00,000 15,000 1,50,000 1,20,000 3,00,000 18,000 2,00,000 1,50,000 4,00,000 20,000 2,25,000 2,00,000 5,00,000 21,500 2,75,000 2,25,000 7,50,000 23,000 3,00,000 2,50,000 10,00,000 25,000 3,50,000 2,75,000 15,00,000 30,000 4,00,000 3,00,000 20,00,000 35,000 4,50,000 3,25,000 25,00,000 40,000 5,00,000 3,50,000 Sum Insured (Rs.) Cataract Cerebro vascular Accident, Cardio vascular Diseases, Cancer (Including Chemotherapy / Radiotherapy), Medical Renal Diseases (Including Dialysis), T reatment of Breakage of Long Bones All other major surgeries Limit per person Rs. Limit per policy period Limit per person Rs. Limit per policy period Rs. Limit per person Rs. Limit per policy period 10,00,000 25,000 45,000 3,50,000 6,00,000 2,75,000 4,50,000 15,00,000 30,000 50,000 4,00,000 7,00,000 3,00,000 5,00,000 20,00,000 35,000 60,000 4,50,000 7,50,000 3,25,000 5,50,000 25,00,000 40,000 70,000 5,00,000 8,50,000 3,50,000 6,00,000 Note : The limits are applicable for treatment of each disease / condition Sum Insured Rs.15,00,000 Actual claim amount Rs.10,00,000 Sublimit for CV A Rs. 4,00,000 Admissible claim amount Rs. 8,00,000 ( A f t e r c o n s i d e r i n g 1 . L i m i t f o r r o o m r e n t , 2 . L i m i t f o r I C U C h a r g e s , 3 . L i m i t f o r m e d i c a l p r a c t i t i o n e r f e e [ 2 5 % o f t h e S u m I n s u r e d ] , 4 . L i m i t f o r A n e t h e s i a / O T C h a r g e s [ 5 0 % o f t h e S u m I n s u r e d ] ) - A Less: Co-pay (30%) Rs. 2,40,000 (30% co-pay on admissible claim amount) - B C l a i m a m o u n t p a y a b l e a f t e r 3 0 % c o p a y Rs. 5,60,000 A (-) B Final Settled amount Rs. 4,00,000 Claim amount payable is greater than sublimit. Hence Company’ s liability is up to sublimit

3. T urning sixty is a major milestone and for people, a time to start being more careful about their health. It is a matter of concern that insurance policies are hardly available to address this critical requirement. ST AR Health's Senior Citizens Red Carpet Health Insurance Policy is aimed specifically at senior citizens. It provides cover to anyone from the age of 60 and permits entry right up to the age of 75 with continuing cover thereafter till lifetime. It is our way of caring for a generation that has done so much to build the country we have today . v Eligibility · Entry age 60 and 75 years between · Guaranteed Lifelong renewals v Policy T erm: The policy is available for 1/2/3 years which can be renewed. Where the policy is issued for more than 1 year , the Sum Insured is for each year , without any carry over benefit thereof. v Policy T ype: Individual Sum Insured Floater Sum Insured A vailable on and basis. Floater Sum Insured basis means the sum insured floats amongst the insured persons. v Day Care Procedures: All day care procedures are covered. v Sum Insured Options v Instalment Facility available: Premium can be paid Monthly , Quarterly , Half-yearly . Premium can also be paid Annually , Biennial (Once in 2 years) and T riennial (Once in 3 years). v Pre-acceptance Medical Screening: No pre-acceptance medical screening. However if following medical records of the person proposed for insurance are submitted, a of the discount of 10% premium is allowed; 1. Stress Thallium Report 2. BP Report 3. Sugar (blood & urine) - Fasting / Postprandial 4. Blood urea & creatinine The tests should have been taken within 45 days prior to the date of proposal. If the prospect submits these documents at the time of proposal or at the time of renewal, the discount will be given for all subsequent renewals if the policy is renewed continuously without break. For Floater Policies both self and spouse should submit the medical report to avail discount. M e d i c a l e x a m i n a t i o n m a y a l s o b e d o n e b y t h e o m p a n y f o r t h o s e w h o d e c l a r e a d v e r s e m e d i c a l h i s t o r y . C A t p r e s e n t , 1 0 0 % c o s t o f s u c h m e d i c a l e x a m i n a t i o n i s b o r n e b y t h e c o m p a n y . U n d e r a l l c i r c u m s t a n c e s , t h e p r o p o s e r w i l l b e i n t i m a t e d i n a d v a n c e a b o u t t h e n e e d t o u n d e r g o m e d i c a l e x a m i n a t i o n . v Coverage 1. Hospitalization Cover: Room, Boarding and Nursing expenses as per the table given below; Note: Expenses relating to the hospitalization will be considered in proportion to the room rent limit stated in the policy or actuals whichever is less. 2. Coverage for Modern T reatments Expenses are subject to the limits: (For details please refer website: www .starhealth.in) 3. ICU charges 4. Surgeon, Anesthetist, Medical Practitioner , Consultants and Specialist's fees up to 25% of the sum insured per hospitalization 5. Anesthesia, Blood, Oxygen, Operation Theatre charges, Cost of Pacemaker etc up to 50% of the sum insured per hospitalization 6. Emergency ambulance charges as per the table given below for transporting the insured person by private ambulance services to the hospital 7. Pre hospitalization medical expenses incurred for a period not exceeding 30 days prior to the date of hospitalisation, for disease/illness, injury sustained following an admissible claim for hospitalisation under the policy 8. Post Hospitalisation: Wherever recommended by the treating medical practitioner , Post Hospitalization medical expenses equivalent to 7% of the hospitalization expenses comprising of Nursing Charges, Surgeon / Consultant fees, Diagnostic charges, Medicines and drugs expenses, subject to a maximum as per the table given below; v Special Features A. Out Patient Consultation: Expenses on Medical Consultations as an Out Patient incurred in Network hospitals up to the limits mentioned in the table given below with a limit of Rs.200/- per consultation. Payment under this benefit will not reduce the sum insured and is payable only when the policy is in force Note: Payment of any claim under Out Patient Consultation shall not be construed as a waiver of Company's right to repudiate any claim on grounds of non disclosure of material fact or pre-existing disease, for hospitalization expenses under hospitalization provisions of the policy contract. B. Cost of Health Checkup: Expenses incurred towards cost of health check-up up to the limits mentioned in the table given below for every claim free year provided the health check-up is done at network hospitals and the policy is in force our Note : 1. If a claim is made by any of the Applicable for Policy with sum insured on Floater Basis: insured persons, the health check up benefits will not be available under the policy 2. Payment of expenses towards cost of health check up will not prejudice the company's right to deal with a claim in case of non disclosure of material fact and / or Pre-Existing Diseases in terms of the policy v Co-Payment: This policy is subject to Co-payment mentioned below; v Sublimits For Policy with Sum Insured on Individual Basis; For Policy with Sum Insured on Floater Basis; All Other Major Surgery means Intestinal obstruction – acute / sub acute / chronic, Bilo Pancreatic surgery , Gastro-Intestinal surgeries, T otal Knee Replacement surgery , T otal Hip Replacement surgery , Other major surgeries of joints, Hemi-Orthro Plasty surgeries, Surgeries on Prostrate, Surgery related to Genito-Urinary T ract. Note: Company's liability in respect of all claims admitted during the period of insurance shall not exceed the Sum Insured mentioned in the policy schedule. v Claim Illustration for Sublimit and Co-pay: T reatment for Cerebro V ascular Accident (Individual Basis); v Exclusions The Company shall not be liable to make any payments under this policy in respect of any expenses what so ever incurred by the insured person in connection with or in respect of; 1. Pre-Existing Diseases - Code Excl 01 A. Expenses related to the treatment of a pre-existing Disease (PED) and its direct complications shall be excluded until the expiry of 12 months of continuous coverage after the date of inception of the first policy with insurer B. In case of enhancement of sum insured the exclusion shall apply afresh to the extent of sum insured increase C. If the Insured Person is continuously covered without any break as defined under the portability norms of the extant IRDAI (Health Insurance) Regulations, then waiting period for the same would be reduced to the extent of prior coverage D. Coverage under the policy after the expiry of 12 months for any pre-existing disease is subject to the same being declared at the time of application and accepted by Insurer 2. Specified disease / procedure waiting period - Code Excl 02 A. Expenses related to the treatment of following listed Conditions, surgeries/treatments shall be excluded until the expiry of 24 months of continuous coverage after the date of inception of the first policy with us. This exclusion shall not be applicable for claims arising due to an accident B. In case of enhancement of sum insured the exclusion shall apply afresh to the extent of sum insured increase C. If any of the specified disease/procedure falls under the waiting period specified for pre-existing diseases, then the longer of the two waiting periods shall apply D. The waiting period for listed conditions shall apply even if contracted after the policy or declared and accepted without a specific exclusion E. If the Insured Person is continuously covered without any break as defined under the applicable norms on portability stipulated by IRDAI, then waiting period for the same would be reduced to the extent of prior coverage F. List of specific diseases/procedures; I . T r e a t m e n t o f C a t a r a c t a n d d i s e a s e s o f t h e a n t e r i o r a n d p o s t e r i o r c h a m b e r o f t h e E y e , D i s e a s e s o f E N T , a n d D i s e a s e s r e l a t e d t o T h y r o i d , B e n i g n d i s e a s e s o f t h e b r e a s t ii. Subcutaneous Benign Lumps, Sebaceous cyst, Dermoid cyst, Mucous cyst lip / cheek, Carpal T unnel Syndrome, T rigger Finger , Lipoma , Neurofibroma, Fibroadenoma, Ganglion and similar pathology i i i . A l l t r e a t m e n t s ( C o n s e r v a t i v e , O p e r a t i v e t r e a t m e n t ) a n d a l l t y p e s o f i n t e r v e n t i o n f o r D i se a s e s r e l a t e d t o T e n d o n , L i g a m e n t , F a s c i a , B o n e s a n d J o i n t I n clu d i n g A r t h r o s c o p y a n d A r t h r o p l a s t y / J o i n t R e p l a c e m e n t [ o t h e r t h a n c a u s e d b y a c c i d e n t ] iv . All types of treatment for Degenerative disc and V ertebral diseases including Replacement of bones and joints and Degenerative diseases of the Musculo- skeletal system, Prolapse of Intervertebral Disc (other than caused by accident) v. All treatments (conservative, interventional, laparoscopic and open) related to H e p a t o - p a n c r e a t o - b i l i a r y d i s e a s e s i n c l u d i n g G a l l b l a d d e r a n d P a n c r e a t i c calculi. All types of management for Kidney and Genitourinary tract calculi. vi. All types of Hernia vii. Desmoid T umor , Umbilical Granuloma, Umbilical Sinus, Umbilical Fistula viii. All treatments (conservative, interventional, laparoscopic and open) related to all Diseases of Cervix, Uterus, Fallopian tubes, Ovaries, Uterine Bleeding, Pelvic Inflammatory Diseases ix. All Diseases of Prostate, Stricture Urethra, all Obstructive Uropathies x. Benign T umours of Epididymis, Spermatocele, V aricocele, Hydrocele x i . F i s t u l a , F i s s u r e i n A n o , H e m o r r h o i d s , P i l o n i d a l S i n u s a n d F i s t u l a , R e c t a l P r o l a p s e , S t r e s s I n c o n t i n e n c e xii. V aricose veins and V aricose ulcers xiii. All types of transplant and related surgeries xiv . Congenital Internal disease / defect 3. 30-day waiting period - Code Excl 03 A. Expenses related to the treatment of any illness within 30 days from the first policy commencement date shall be excluded except claims arising due to an accident, provided the same are covered B. This exclusion shall not, however , apply if the Insured Person has continuous coverage for more than twelve months C. The within referred waiting period is made applicable to the enhanced sum insured in the event of granting higher sum insured subsequently 4. Investigation & Evaluation - Code Excl 04 A. Expenses related to any admission primarily for diagnostics and evaluation purposes only are excluded B. Any diagnostic expenses which are not related or not incidental to the current diagnosis and treatment are excluded 5 . R e s t C u r e , r e h a b i l i t a t i o n a n d r e s p i t e c a r e - C o d e E x c l 0 5 : E x p e n s e s r e l a t e d t o a n y a d m i s s i o n p r i m a r i l y f o r e n f o r c e d b e d r e s t a n d n o t f o r r e c e i v i n g t r e a t m e n t . T h i s a l s o i n c l u d e s ; 1. Custodial care either at home or in a nursing facility for personal care such as help with activities of daily living such as bathing, dressing, moving around either by skilled nurses or assistant or non-skilled persons 2. Any services for people who are terminally ill to address physical, social, emotional and spiritual needs 6. Obesity / W eight Control - Code Excl 06: Expenses related to the surgical treatment of obesity that does not fulfill all the below conditions; A. Surgery to be conducted is upon the advice of the Doctor B. The surgery/Procedure conducted should be supported by clinical protocols C. The member has to be 18 years of age or older and D. Body Mass Index (BMI); 1. greater than or equal to 40 or 2. greater than or equal to 35 in conjunction with any of the following severe co-morbidities following failure of less invasive methods of weight loss; a. Obesity-related cardiomyopathy b. Coronary heart disease c. Severe Sleep Apnea d. Uncontrolled T ype2 Diabetes 7. Change-of-Gender treatments - Code Excl 07: Expenses related to any treatment, including surgical management, to change characteristics of the body to those of the opposite sex. 8. Cosmetic or plastic Surgery - Code Excl 08: Expenses for cosmetic or plastic surgery or any treatment to change appearance unless for reconstruction following an Accident, Burn(s) or Cancer or as part of medically necessary treatment to remove a direct and immediate health risk to the insured. For this to be considered a medical necessity , it must be certified by the attending Medical Practitioner . 9. Hazardous or Adventure sports - Code Excl 09: Expenses related to any treatment necessitated due to participation as a professional in hazardous or adventure sports, including but not limited to, para-jumping, rock climbing, mountaineering, rafting, motor racing, horse racing or scuba diving, hand gliding, sky diving, deep-sea diving. 10. Breach of law - Code Excl 10: Expenses for treatment directly arising from or consequent upon any Insured Person committing or attempting to commit a breach of law with criminal intent. 1 1. Excluded Providers - Code Excl 1 1: Expenses incurred towards treatment in any hospital or by any Medical Practitioner or any other provider specifically excluded by the Insurer and disclosed in its website / notified to the policyholders are not admissible. However , in case of life threatening situations or following an accident, expenses up to the stage of stabilization are payable but not the complete claim. 12. T reatment for Alcoholism, drug or substance abuse or any addictive condition and consequences thereof - Code Excl 12 13. T reatments received in health hydros, nature cure clinics, spas or similar establishments or private beds registered as a nursing home attached to such establishments or where admission is arranged wholly or partly for domestic reasons - Code Excl 13 1 4 . D i e t a r y s u p p l e m e n t s a n d s u b s t a n c e s t h a t c a n b e p u r c h a s e d w i t h o u t p r e s c r i p t i o n , i n c l u d i n g b u t n o t l i m i t e d t o V i t a m i n s , m i n e r a l s a n d o r g a n i c s u b s t a n c e s u n l e s s p r e s c r i b e d b y a m e d i c a l p r a c t i t i o n e r a s p a r t o f h o s p i t a l i z a t i o n c l a i m o r d a y c a r e p r o c e d u r e - C o d e E x c l 1 4 15. Refractive Error - Code Excl 15: Expenses related to the treatment for correction of eye sight due to refractive error less than 7. 5 dioptres. 16. Unproven T reatments - Code Excl 16: Expenses related to any unproven treatment, services and supplies for or in connection with any treatment. Unproven treatments are treatments, procedures or supplies that lack significant medical documentation to support their ef fectiveness. 17. Sterility and Infertility - Code Excl 17: Expenses related to sterility and infertility . This includes; a. Any type of contraception, sterilization b. Assisted Reproduction services including artificial insemination and advanced reproductive technologies such as IVF , ZIFT , GIFT , ICSI c. Gestational Surrogacy d. Reversal of sterilization 18. Maternity - Code Excl 18 a . M e d i c a l t r e a t m e n t e x p e n s e s t r a c e a b l e t o c h i l d b i r t h ( i n c l u d i n g c o m p l i c a t e d d e l i v e r i e s a n d c a e s a r e a n s e c t i o n s i n c u r r e d d u r i n g h o s p i t a l i z a t i o n ) e x c e p t e c t o p i c p r e g n a n c y b. Expenses towards miscarriage (unless due to an accident) and lawful medical termination of pregnancy during the policy period 19. Circumcision (unless necessary for treatment of a disease not excluded under this policy or necessitated due to an accident), Preputioplasty , Frenuloplasty , Preputial Dilatation and Removal of SMEGMA - Code Excl 19 20. - Code Excl 20 Congenital External Condition / Defects / Anomalies 21. - Convalescence, general debility , run-down condition, Nutritional deficiency states Code Excl 21 22. - Code Excl 22 Intentional self injury 23. - Code Excl 23 V enereal Disease and Sexually T ransmitted Diseases(Other than HIV) 2 4 . I n j u r y / d i s e a s e d i r e c t l y o r i n d i r e c t l y c a u s e d b y o r a r i s i n g f r o m o r a t t r i b u t a b l e t o w a r , i n v a s i o n , a c t o f f o r e i g n e n e m y , w a r l i k e o p e r a t i o n s ( w h e t h e r w a r b e d e c l a r e d o r n o t ) - C o d e E x c l 2 4 25. Injury or disease directly or indirectly caused by or contributed to by nuclear weapons/materials - Code Excl 25 26. Expenses incurred on Enhanced External Counter Pulsation Therapy and related therapies, Chelation therapy , Hyperbaric Oxygen Therapy , Rotational Field Quantum Magnetic Resonance Therapy , V AX-D, Low level laser therapy , Photodynamic therapy and such other similar therapies - Code Excl 26 27. - Code Excl 27 Unconventional, Untested, Experimental therapies 28. Autologous derived Stromal vascular Fraction, Chondrocyte Implantation, Procedures using Platelet Rich plasma and Intra articular injection therapy - Code Excl 28 29. Biologicals, except when administered as an in-patient, when clinically indicated and hospitalization warranted - Code Excl 29 30. - Code Excl 30 All treatment for Priapism and erectile dysfunctions 31. Inoculation or V accination (except for post–bite treatment and for medical treatment for therapeutic reasons) - Code Excl 31 32. Dental treatment or surgery unless necessitated due to accidental injuries and requiring hospitalization. (Dental implants are not payable) - Code Excl 32 33. - Medical and / or surgical treatment of Sleep apnea, treatment for endocrine disorders Code Excl 33 34. Hospital registration charges, admission charges, record charges, telephone charges and such other charges - Code Excl 34 35. - Code Excl 35 Cochlear implants and procedure related hospitalization expenses 36. - Code Excl 36 Any hospitalizations which are not Medically Necessary 37. - Code Excl 37 Other Excluded Expenses as detailed in the website www .starhealth.in 38. Existing disease/s, disclosed by the insured and mentioned in the policy schedule (based on insured's consent), for specified ICD codes - Code Excl 38 39. Expenses incurred for treatment of diseases/illness/accidental injuries by systems of medicine other than allopathy - Code Excl 39 N o t e : E x c l u s i o n N o s . 1 5 , 1 7 , 1 8 , 3 1 , 3 2 , 3 3 , 3 5 a n d 3 9 a r e n o t a p p l i c a b l e f o r O u t p a t i e n t C o n s u l t a t i o n V Moratorium Period: After completion of eight continuous years under the policy no look back to be applied. This period of eight years is called as moratorium period. The moratorium would be applicable for the sums insured of the first policy and subsequently completion of 8 continuous years would be applicable from date of enhancement of sums insured only on the enhanced limits. After the expiry of Moratorium Period no health insurance claim shall be contestable except for proven fraud and permanent exclusions specified in the policy contract. The policies would however be subject to all limits, sub limits, co-payments, deductibles as per the policy contract. v Renewal and Grace Period: The policy shall ordinarily be renewable except on grounds of fraud, misrepresentation by the Insured Person; 1. The Company shall endeavor to give notice for renewal. However , the Company is not under obligation to give any notice for renewal 2. Renewal shall not be denied on the ground that the insured person had made a claim or claims in the preceding policy years 3. Request for renewal along with requisite premium shall be received by the Company before the end of the policy period 4. At the end of the policy period, the policy shall terminate and can be renewed within the Grace Period of 30 days to maintain continuity of benefits without break in policy 5. Coverage is not available during the grace period 6. No loading shall apply on renewals based on individual claims experience v P o s s i b i l i t y o f R e v i s i o n o f T e r m s o f t h e P o l i c y l n c l u d i n g t h e P r e m i u m R a t e s : T h e C o m p a n y , w i t h p r i o r a p p r o v a l o f l R D A l , m a y r e v i s e o r m o d i f y t h e t e r m s o f t h e p o l i c y i n c l u d i n g t h e p r e m i u m r a t e s . T h e i n s u r e d p e r s o n s h a l l b e n o t i fi e d t h r e e m o n t h s b e f o r e t h e c h a n g e s a r e e f f e c t e d . v Revision in Sum Insured: Any revision in sum insured is permissible only at the time of renewal. The Insured Person can propose such revision and may be allowed subject to Company's approval and payment of appropriate premium. v Migration: The insured person will have the option to migrate the policy to other health insurance products/plans of fered by the company by applying for migration of the Policy atleast 30 days before the policy renewal date as per IRDAI guidelines on Migration. lf such person is presently covered and has been continuously covered without any lapses under any health insurance product/plan of fered by the company , the insured person will get the accrued continuity benefits in waiting periods as per IRDAI guidelines on migration . For Detailed Guidelines on migration, kindly refer the link https://www .irdai.gov .in/ADMINCMS/cms/frmGuidelines_Layout.aspx?page=PageNo3987 1 2 3 4 6 5 596.00 mm 210.00 mm 102.50 mm 102.50 mm 100.00 mm 100.00 mm 95.50 mm 95.50 mm Senior Citizens Red Carpet Health Insurance Policy Unique Identification No.: SHAHLIP21265V042021 Sum Insured on Individual Basis (Rs.) 1,00,000/- 2,00,000/- 3,00,000/- 4,00,000/- 5,00,000/- 7,50,000/- Sum Insured on Individual & Floater Basis (Rs.) 10,00,000/- 15,00,000/- 20,00,000/- 25,00,000/- Sum Insured (Rs.) Room Rent Limit (per day) Rs.1,00,000/- to Rs.5,00,000/- Up to 1% of the sum insured. Rs.7,50,000/- and Rs.10,00,000/- Up to Rs.6,000/- Rs.15,00,000/- Up to Rs.7,000/- Rs.20,00,000/- Up to Rs.8,500/- Rs.25,00,000/- Up to Rs.10,000/- Sum Insured (Rs.) Limit (per day) Rs.1,00,000/- to Rs.10,00,000/- Up to 2% of the sum insured. Rs.15,00,000/- to Rs.25,00,000/- Actuals Sum Insured (Rs.) Limits per occurrence (Rs.) 1,00,000/- to 7,50,000/- 5,000/- 10,00,000/- and 15,00,000/- 7,000/- 20,00,000/- and 25,00,000/- 10,000/- Sum Insured (Rs.) Limit per hospitalisation (Rs.) Limit per policy period (Rs.) 1,00,000/- to 4,00,000/- 600/- 1,200/- 5,00,000/- to 10,00,000/- 1,000/- 2,000/- 15,00,000/- to 25,00,000/- 1,500/- 3,000/- Sum Insured (Rs.) Limit per person per policy period for policy with Sum Insured on Individual Basis For Policy with Sum Insured on Floater Basis Limit Per Person Rs. L i m i t P e r P o l i c y P e r i o d R s . 1,00,000 Not A vailable Not A vailable 2,00,000 3,00,000 600 4,00,000 800 5,00,000 1,000 7,50,000 1,200 10,00,000 1,400 1,400 2,400 15,00,000 1,800 1,800 3,000 20,00,000 2,200 2,200 3,800 25,00,000 2,600 2,600 4,400 Sum Insured (Rs.) Limit per person per policy period (Sum Insured on Individual Basis) (Rs.) For Floater Policies Limit Per Person Rs. Limit Per Policy Period Rs. 1,00,000/- to 4,00,000/- Not A vailable 5,00,000 and 7,50,000 1,000 Not A vailable 10,00,000 and 15,00,000 2,000 2,000 3,500 20,00,000 and 25,00,000 2,500 2,500 4,500 Sum Insured Rs. Co-pay 1,00,000/- to 10,00,000/- PED Claims : 50% of each and every admissible claim Non PED Claims : 30% of each and every admissible claim 15,00,000/- to 25,00,000/- P E D a n d N o n P E D C l a i m s : 3 0 % e a c h a n d e v e r y a d m i s s i b l e c l a i m PED means Pre Existing Disease Sum Insured (Rs.) Cataract Cerebro vascular Accident, Cardio vascular Diseases, Cancer (Including Chemotherapy / Radiotherapy), Medical Renal Diseases (Including Dialysis), T reatment of Breakage of Long Bones All other major surgeries Limit per person, per policy period for each diseases / Condition Rs. 1,00,000 15,000 75,000 60,000 2,00,000 15,000 1,50,000 1,20,000 3,00,000 18,000 2,00,000 1,50,000 4,00,000 20,000 2,25,000 2,00,000 5,00,000 21,500 2,75,000 2,25,000 7,50,000 23,000 3,00,000 2,50,000 10,00,000 25,000 3,50,000 2,75,000 15,00,000 30,000 4,00,000 3,00,000 20,00,000 35,000 4,50,000 3,25,000 25,00,000 40,000 5,00,000 3,50,000 Sum Insured (Rs.) Cataract Cerebro vascular Accident, Cardio vascular Diseases, Cancer (Including Chemotherapy / Radiotherapy), Medical Renal Diseases (Including Dialysis), T reatment of Breakage of Long Bones All other major surgeries Limit per person Rs. Limit per policy period Limit per person Rs. Limit per policy period Rs. Limit per person Rs. Limit per policy period 10,00,000 25,000 45,000 3,50,000 6,00,000 2,75,000 4,50,000 15,00,000 30,000 50,000 4,00,000 7,00,000 3,00,000 5,00,000 20,00,000 35,000 60,000 4,50,000 7,50,000 3,25,000 5,50,000 25,00,000 40,000 70,000 5,00,000 8,50,000 3,50,000 6,00,000 Note : The limits are applicable for treatment of each disease / condition Sum Insured Rs.15,00,000 Actual claim amount Rs.10,00,000 Sublimit for CV A Rs. 4,00,000 Admissible claim amount Rs. 8,00,000 ( A f t e r c o n s i d e r i n g 1 . L i m i t f o r r o o m r e n t , 2 . L i m i t f o r I C U C h a r g e s , 3 . L i m i t f o r m e d i c a l p r a c t i t i o n e r f e e [ 2 5 % o f t h e S u m I n s u r e d ] , 4 . L i m i t f o r A n e t h e s i a / O T C h a r g e s [ 5 0 % o f t h e S u m I n s u r e d ] ) - A Less: Co-pay (30%) Rs. 2,40,000 (30% co-pay on admissible claim amount) - B C l a i m a m o u n t p a y a b l e a f t e r 3 0 % c o p a y Rs. 5,60,000 A (-) B Final Settled amount Rs. 4,00,000 Claim amount payable is greater than sublimit. Hence Company’ s liability is up to sublimit