Star Net Plus Health Insurance

The Star Net Plus Health Plan is provided on an individual basis to people who have been diagnosed with HIV infection. 

• Given the social stigma surrounding the medical condition, policyholders benefit from full privacy and secrecy. 
• Insured persons are eligible for a lump sum amount on diagnosis of AIDS which should be the first incidence of experiencing systems since 90 days have passed since policy commencement.
• The policy automatically terminates in the event of the beneficiaries death or if the sum insured is exhausted.
• Policyholders aren't required to submit bills or receipts.
• Quick claim settlement is possible through direct in-house claim settlement.
• An important benefit fo the plan is that individuals aged 60 and below are excepted from co-payment. 
• Among the many benefits of plan are regular medical check-ups, coronavirus coverage, tax benefits, cashless hospitalization, AYUSH treatments, and more.

The following list of factors make an individual applicable for the Star Net Plus Health Plans:

• The person diagnosed with an HIV infection should not have reached the stage of AIDS.
• Their CD4 count should cross 350.
• A person who is proposed by government agencies, non-government organizations, registered AIDS-specific societies can become a beneficiary of the Net Plus plans. 

Here's discussing the eligibility criteria and corresponding benefits in detail: 

HIV-infected persons are required to undergo a pre-acceptance health test through which the patients CD4 count is confirmed and related AIDS tests are carried out.

In case the CD4 count is above 350, the person can go ahead with the claim. If the count is found to be below the prescribed levels, it is monitored for the next 60 days to confirm whether the person has reached the AIDS stage. 

If the critical stage of AIDS is reached, the policy provides comprehensive financial assistance in the form of lump sum amount to ensure better planning and health support.

• Medical check-ups and pre-hospitalisation expenses are covered under the plan. However, the period should not exceed 30 days prior to hospitalization.
• Nursing charges, cost of the surgeon, anaesthetist, and other related fees including medicines, anaesthesia, ICU, operation theatre, blood, oxygen are all included. 
• Room rent or boarding charges are covered under the plan at 2% of the sum insured. Lodgings are provided by the hospital/nursing home.
• Post-hospitalisation expenses amounting to 7% of the sum insured capping at Rs. 5000 per hospitalization is applicable. 
• Policyholders are eligible for emergency ambulance coverage amounting to Rs. 750 per hospitalisation; maximum limit is Rs 1500. 
• AYUSH systems of medicines are covered. 
• Individuals are eligible for COVID cover under Star Health Net Plus online plans.

• Star Health Net Plus does not cover self inflicted injuries or self-harming attempts. 
• Policyholders aren't compensated for naturopathy treatment
• Policyholders do no enjoy convalescence benefits.
• Plastic surgeries such as cosmetic or aesthetic treatments, reconstruction procedures are excluded from the plan.
• Eye-related expenses like eyeglasses, contact lenses, etc are not included in this Star Health policy. 
• The policy does not cover pre-existing medical conditions.
• HIV treatment expenses stated under section I are excluded from the policy. 
• For section II coverage, pre-existing diseases are not covered until 48 months are complete.
• If the individual is diagnosed with AIDS in the first 90 days of buying the policy, it will not be covered. 
• If the individual contracts a disease within the first 30 days of buying the policy, it will not be compensated for.