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Insurance
 Our wide range of insurance plane
will let you have a whole new investment experience.
Insurance
General Insurance
Real Estate
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| Packages |
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Top Up For Mediclaim |
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Traditional health policies offer basic cover plan for the insured. But foreseeing the magnitude of health problems is as difficult as predicting a health problem itself.Sometimes ailments and related complications demand much more than what we are prepared for.
Star Health brings you Super Surplus Insurance. It offers coverage much larger than the ones offered by basic plans.So, matter what, you are always prepared to face the most unfortunate of health eventualities in the family.
Major Product Features
1.The policy offers the benefits of wider protection at a lesser price. This policy is available on individual basis and also on floater basis, covering the entire family
2.Family means two adults and two children (children economically dependant and upto 25 years)
Policy Benefits
1.Hospitalization Cover : Protects the insured person for in-patient hospitalization expenses for a minimum of 24 hours. These expenses include room and boarding expenses to a maximum of Rs.4,000/- per day
2.No ceiling on ICU, medicine, diagnostic charges or consultation fee
3.Nursing expenses
4.Surgeon\'s fees, Consultant\'s fees, Anaesthetist\'s and Specialist\'s fees
5.Cost of medicines and drugs
Eligibility
1.Any person aged between 5 months and 60 years can take this insurance upto a maximum sum insured of Rs10,00,000/-
2.Renewals granted upto 75 years.
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Mediclaim for Diabities |
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India has a diabetic population of 30 million - the highest in the world and the number is increasing rapidly everyday. Diabetes needs immediate attention because it affects vital systems in the body over time and treatment can be very expensive.
Star Health and Allied Insurance presents a policy that helps those affected by Diabetes Mellitus Type II and offers insurance protection for treating most commonly occurring complications
Coverage Offered for Specific Conditions
1.Eyes: Diabetic Retinopathy requiring laser treatment
2.Kidneys: Diabetic Nephropathy leading to chronic renal failure
3.Feet: Diabetic foot ulcer requiring micro-vascular surgical correction
4.The policy covers the cost of treatment up to the limit provided
Diabetes Benefits
1.Hospitalization Cover
2.Boarding and room charges at 2% of the sum insured subject to a maximum of Rs.2500 per day in Class A cities and Rs.1250 per day in other locations
3.Nursing expenses
4.Surgeon\'s fees, Consultant\'s fees and/or Anesthetist fees
5.Cost of blood, oxygen, diagnostic expenses
6.Cost of medicines and drugs
Sum Insured Options
The insurance is available for sums of Rs.50,000, Rs.1,00,000, Rs.2,00,000, Rs.3,00,000, Rs.4,00,000 and Rs.5,00,000
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Pension Plans |
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Introduction:
It is an Immediate Annuity plan, which can be purchased by paying a lump sum amount. The plan provides for annuity payments of a stated amount throughout the life time of the annuitant. Various options are available for the type and mode of payment of annuities.
Options Available:
The following options are available under the plan
Type of Annuity:
1.Annuity payable for life at a uniform rate.
2.Annuity payable for 5, 10, 15 or 20 years certain and thereafter as long as the annuitant is alive.
3.Annuity for life with return of purchase price on death of the annuitant.
4.Annuity payable for life increasing at a simple rate of 3% p.a.
5.Annuity for life with a provision of 50% of the annuity payable to spouse during his/her lifetime on death of the annuitant.
6.Annuity for life with a provision of 100% of the annuity payable to spouse during his/her lifetime on death of the annuitant.
7.You may choose any one. Once chosen, the option cannot be altered.
Mode:
Annuity may be paid either at monthly, quarterly, half yearly or yearly intervals. You may opt any mode of payment of Annuity.
Salient features:
Premium is to be paid in a lump sum.
Minimum purchase price : Rs.50,000/= or such amount which may secure a minimum annuity. |
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Children Plan |
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It is every parents dream to provide the best of everything for his child. A sound education would undoubtedly be at the top of the list. However, it now costs more to amuse a child than it once did to educate his father. Quality education comes with an expensive price tag, and you need to invest today in order to gift your precious one the education he deserves tomorrow.
A simple illustration demonstrates why planning today is essential:
Course: Engineering
What it costs today (Rs.) :4,00,000
5 years later (Rs.): 5,88,000
10 years later (Rs.): 8,64,000
15 years later (Rs.): 12,69,000
(Increase in the cost of education assumed at 8% every year)
Sounds alarming? Not if one plans for it. While borrowing could be a way out, the high cost attached to it may not make it an attractive proposition.
Therefore it pays to have an investment plan in place which in time, allows you to comfortably meet with your child's educational needs. For example, you require Rs.4.50 lacs 10 years from now for your Child's education in management, you need to set aside on the following lines, assuming you would earn an average return of 7 %.
Investment : Nil
Balance : 450000
Annual Investment: 30,439
Monthly Investment : 2,585
One might feel confident of today's planning for tomorrow. But as the years go by the eroding power of inflation and reducing interest rates can upset the original goals that we set. Committing now and reviewing it periodically to ensure that the goal is not upset, is the most prudent planning.
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Jeevan Nishchay |
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Introduction:
LIC’s JEEVAN NISCHAY TABLE NO. 199 (UIN : 512N258V01)
LIC\'s Jeevan Nischay is single premium closed ended plan designed exclusively for our valuable policyholders like you who have at least one in force risk bearing policy with us accepted at our standard rate. You may choose the premium amount you wish to pay and the sum payable on maturity (Maturity Sum Assured) will depend on the premium amount, your age and the term selected.
1. INCENTIVE FOR HIGH PREMIUM PAID
If your premium amount is Rs. 25,000 or more, you will receive higher maturity sum assured due to available incentive.
2. LOAN
You can avail loan under this plan after completion of one policy year.
3. SURRENDER VALUE:
You may surrender the policy after it has run for at least one year. The Guaranteed Surrendered Value will be equal to 90% of the Single premium paid excluding the extra premium, if any. Corporation may however pay Special Surrender value as applicable on the date of surrender provided the same is higher than the guaranteed surrender value.
4.EXCLUSIONS:
Suicide: This policy shall be void if the Life Assured commits suicide (whether sane or insane at that time) at any time within one year from the date of commencement of risk and the Corporation will not entertain any other claim by virtue of this policy except to the extent of a maximum of (i) 90% of the Single Premium paid excluding any extra premium paid, or (ii) third party?s bonafide beneficial interest acquired in the policy for valuable consideration (but limited to the death benefit available under this policy) of which notice has been given in writing to the branch where this policy is being presently serviced (where the policy records are kept) at least one calendar month prior to death.
5. COOLING OFF PERIOD:
If you are not satisfied with the ?Terms and Conditions? of the policy, you may return the policy to us within 15 days.
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Jeevan Anand By LIC |
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Product summary:
This plan is a combination of Endowment Assurance and Whole Life plans. It provides financial protection against death throughout the lifetime of the life assured with the provision of payment of a lump sum at the end of the selected term in case of his survival.
Premium:
Premiums are payable yearly, half-yearly, quarterly, monthly or through salary deductions as opted by you throughout the selected term of the policy or till earlier death.
Bonuses:
This is a with-profit plan and participates in the profits of the Corporation’s life insurance business. It gets a share of the profits in the form of bonuses. Simple Reversionary Bonuses are declared per thousand Sum Assured annually at the end of each financial year. Once declared, they form part of the guaranteed benefits of the plan. Bonuses will be added during the selected term or till death, if it occurs earlier. Final (Additional) Bonus may also be payable provided the policy has run for certain minimum period.
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Jeevan Saral By LIC |
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Product Summary:
This is an Endowment Assurance plan where the proposer has simply to choose the amount and mode of premium payment. The plan provides financial protection against death throughout the term of the plan. The death benefit is directly related to the premiums paid. The Maturity Sum Assured depends on the age at entry of the life to be assured and is payable on survival to the end of the policy term. It also offers the flexibility of term and a lot of liquidity.
Premiums:
Premiums are payable yearly, half-yearly, quarterly, or monthly through salary deductions as opted by you throughout the term of the policy or till earlier death.
Loyalty Additions:
This is a with-profits plan and participates in the profits of the Corporation’s life insurance business. It gets a share of the profits in the form of loyalty additions which are terminal bonuses payable along with death benefit or maturity benefit. Loyalty Additions may be payable from the 10th year onwards depending upon the experience of the Corporation.
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Senior Citizen Plan |
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Turning 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.STAR Health is proud to introduce India\'s first health insurance policy aimed specifically at senior citizens.It provides cover for anyone over the age of 60 and permits entry right up to the age of 69 with continuing cover after that. It is our way of caring for a generation that has done so much to build the country.
Major product features
For people aged between 60 and 69 years
Guaranteed renewals beyond 69 years
No pre-insurance medical test required
Treatment at network hospitals only
All pre-existing diseases are covered from first year,except those for which treatment or advice was recommended by or received during the immediately preceding 12 months from the date of proposal
Disease for which treatment or advice was recommended by or received during the immediately preceding 12 months from the date of proposal will be covered from second year onwards
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Mediclaim Policy by APOLLO |
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Quality healthcare and Apollo have become synonymous in the Indian subcontinent, a fact reiterated by global healthcare experts and international accreditation bodies. Committed to bring world class health care within the reach of every individual, Apollo Hospitals Group has joined hands with DKV, a world leader in the field of health insurance. The joint venture is poised to make good the conviction of both the partners that Indian health insurance market is on the brink of explosive growth.
About DKV
DKV is the European market leader and one of the world’s top five private health insurers. In 2006, the company reached a gross premium income of € 5bn with 7.3 million customers. With its Think Healthcare!® strategy DKV provides insurance coverage, healthcare services and medical care from one single source. DKV is represented across Europe (Belgium, Germany, Great Britain, Luxembourg, Norway, Spain, Sweden) as well as in Asia, i.e. China and South Korea. DKV’s headquarters are based in Cologne & Germany. The company is a member of the ERGO Insurance Group and thus part of the Munich Re Group, one of the world’s largest reinsurers.
About Apollo Hospitals Group
Apollo Hospitals is the largest healthcare group in Asia, with over 7000 beds in 41 hospitals. It holds the distinction of being the first group of Indian hospitals to be accredited by Joint Commission International. The group has a comprehensive focus on healthcare in the Indian subcontinent, with India’s largest pharmacy retail chain, a string of nursing and hospital management colleges, a country-wide network of diagnostic clinics, and India’s largest third party administrator in health insurance.
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ICICI Prudential Focused Equity Fund |
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The Scheme will focus on the following investment strategies that potentially offer above-market-returns over a period of time:
Large Cap Orientation
The fund seeks to buy stocks of companies that it believes are
Profitable and leaders in the industry in which they operate
Have rapid growth potential over the next 3 to 5 years
Have superior proven management and solid balance sheets
Focus
Potential to generate Alpha from being over weight on certain high conviction picks
The portfolio could take exposure to any particular theme and has the flexibility to choose between stocks across themes / sectors / investment styles
Bottom-up Stock Picking
Intrinsic value arrived at after intensive, internal research; reference to analyst reports and face-to-face meetings with management to analyze company strengths, business model, sustainable competitive advantages and ability to grow
The Fund features are as follows:
Type Open ended Equity Scheme
Investment Pattern Equity & equity related securities – 70% to 100%, Debt & Money Market Instruments (including cash equivalent) – 0 to 30%
Investment Objective Seeks to generate long-term capital appreciation and income distribution to unitholders from a portfolio that is invested in equity and equity related securities of about 20 companies belonging to the large cap domain and the balance in debt securities and money market instruments. The Fund Manager will always select stocks for investment from among Top 200 stocks in terms of market capitalization on the National Stock Exchange of India Ltd. If the total assets under management under this scheme goes above Rs.1000 crores the Fund Manager reserves the right to increase the number of companies to more than 20.
Min. Application Amount Retail: Rs.5000 and in multiples of Re.1 thereafter
Entry Load Retail: (i) For investments of less than Rs.5 Crores: 2.25% of applicable NAV
(ii) For investments of Rs.5 Crores and above: Nil
Institutional Option I: Nil
Exit Load Retail: (i) For investments of Rs.5 Crores and above: Nil
(ii) For investments of less than Rs.5 Crores made during the NFO period and redeemed before 6 months from the date of allotment: 1% of applicable NAV.
Institutional Option I: Nil
NFO Period April 8, 2008 to May 7, 2008
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