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Star Netplus



It's a special policy from Star Health to extend a protective arm to socially isolated persons often disowned by their family members - the Star NetPlus insurance - reaching insurance where it is most needed. This HIV Insurance policy fills the gap where all other policies and insurers treat HIV as exclusion.

For the first time in India, governmental agencies, NGOs and registered societies serving persons diagnosed as HIV positive can propose their members/beneficiaries for an insurance policy specifically designed as a health insurance for HIV to facilitate better care at the critical stage for the respective covered persons. With several unique benefits, this HIV Care policy ensures care, anonymity and privacy to the policy holders.
Unique Benefits
This policy fills the gap where all other policies and insurers treat HIV as exclusion
Complete confidentiality of the covered persons ensured
Facilitates better health care at the critical stage (AIDS) with financial support. Lump sum is paid at one go once the insured reaches the AIDS stage and no bills/receipts required
Extension of medical cover for hospitalization as an option
Who can apply for it?
The policy will have to be proposed by governmental agencies, NGOs, societies or other registered bodies serving the cause of persons infected with HIV. The benefits - when payable, will be paid to the proposer who applies for it, for the benefit of the respective covered persons.
The HIV Care Policy can be issued to a group of persons already infected with HIV.
Covered patients must be members/beneficiaries of the proposer and availing its treatment/services
There is no age limit for the applicants
The Application Procedure
Pre-insurance medical test at Star Health cost. After satisfying the eligibility criterion enrollment done
Tests include CD4 or any other test as required
Cost of Pre-insurance Medical Tests will be borne by Star Health
Premium Details
Insured Amount (Rs.) Premium (Rs.)
30,000 2,500
50,000 4,000
Note: *Service Tax will be applicable on premium.
Additional Health Cover under HIV Care Policy (optional)
Insured Amount (Rs.) Premium (Rs.)
30,000 390
50,000 650
Note: * Service Tax will be applicable on premium.
What cannot be Claimed
Expenses incurred in treating HIV
All medical conditions that existed prior to the commencement of cover, except those specifically covered
AIDS confirmation within 90 days of commencement of the policy
Claims Procedure
The claimant has to undergo the confirmatory test for AIDS (CD4 count test or any other relevant tests as may be advised by medical practitioners).
If the CD4 count is less than the medically prescribed levels for the first time and continues for the next 60 days and after a clinical examination, the person is declared to suffer from AIDS - the person is eligible to make a claim under the policy.
Once a claim has been settled under the policy, the insured is not eligible to be covered under such a policy again.
Star Advantages
No Third Party Administrator; direct in-house claims settlement
Faster & hassle-free claim settlement
Cashless hospitalization
Network of more than 4900 hospitals across India
24x7 Toll - free Helpline
Free General Physician Consultation over phone. Doctors on duty 24x7. By quoting the policy number, any person can contact our Doctor on the toll free number 1800 425 2255 for medical advices.
Free Health magazines are issued to policy holders at regular intervals
NOTE: The benefits and exclusions mentioned herein are only an outline of the policy. For complete details, please contact our Corporate office

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