[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"doc-seo-269303-105":3,"detail-sidebar-cat-0-en-105":81,"doc-detail-269303-en":131},{"code":4,"msg":5,"data":6},0,"ok",{"site_id":7,"language":8,"slug":9,"title":10,"keywords":11,"description":12,"schema_data":13,"social_meta":74,"head_meta":76,"extra_data":78,"updated_unix":80},105,"en","star-net-plus-insurance-policy-hiv-cover-and-medical-section","Star Net Plus Insurance Policy - HIV Cover and Medical Section","","Star Net Plus Insurance Policy outlines claim benefits and eligibility under two main parts: a dedicated HIV cover providing a lump-sum payment upon confirmed AIDS diagnosis and strict timing conditions, and a medical hospitalization section covering expenses for illness, disease, or accidental bodily injury treated in India as an inpatient. The medical section specifies expense categories, limits tied to the sum insured, pre- and post-hospitalization benefits, and minimum hospitalization rules with listed exceptions and treatment-specific caps.",{"@graph":14,"@context":73},[15,34,56],{"@type":16,"itemListElement":17},"BreadcrumbList",[18,23,27,31],{"item":19,"name":20,"@type":21,"position":22},"https://docshare.wps.com","Home","ListItem",1,{"item":24,"name":25,"@type":21,"position":26},"https://docshare.wps.com/document/","Document",2,{"item":28,"name":29,"@type":21,"position":30},"https://docshare.wps.com/document/healthcare/","Healthcare",3,{"item":32,"name":10,"@type":21,"position":33},"https://docshare.wps.com/document/star-net-plus-insurance-policy-hiv-cover-and-medical-section/269303/",4,{"url":32,"name":10,"@type":35,"image":36,"author":41,"headline":10,"publisher":44,"fileFormat":47,"inLanguage":8,"description":12,"dateModified":48,"datePublished":49,"encodingFormat":47,"isAccessibleForFree":50,"interactionStatistic":51},"DigitalDocument",{"url":37,"@type":38,"width":39,"height":40},"https://docshare.wps.com/thumbnails/star-net-plus-insurance-policy-hiv-cover-and-medical-section/269303.png","ImageObject",300,407,{"name":42,"@type":43},"4398046744996","Person",{"url":19,"name":45,"@type":46},"DocShare","Organization","application/pdf","2026-10-24","2026-09-15",true,{"@type":52,"interactionType":53,"userInteractionCount":55},"InteractionCounter",{"@type":54},"ViewAction",11,{"@type":57,"mainEntity":58},"FAQPage",[59,65,69],{"name":60,"@type":61,"acceptedAnswer":62},"When is the lump-sum HIV cover under Section I payable?","Question",{"text":63,"@type":64},"It is payable when the insured is declared to have reached the stage of AIDS (CD4 count below 150), diagnosed and certified by the company’s nominated panel of doctors during the period of insurance, and when the first incidence timing and related conditions are satisfied.","Answer",{"name":66,"@type":61,"acceptedAnswer":67},"What medical costs does Section II cover for hospitalization in India?",{"text":68,"@type":64},"Section II covers reasonably and necessarily incurred hospitalization expenses for medical/surgical treatment as an inpatient, including room and boarding, nursing, specialist and surgeon-related fees, anesthesia and medicines, diagnostic materials, dialysis/chemotherapy/radiotherapy, and specified related costs, subject to limits.",{"name":70,"@type":61,"acceptedAnswer":71},"Are there exceptions to the 24-hour minimum hospitalization requirement?",{"text":72,"@type":64},"Yes. The 24-hour minimum does not apply for listed day-procedure treatments where the insured is discharged on the same day, including dialysis, chemotherapy, radiotherapy, cataract surgery, dental surgery, lithotripsy, tonsillectomy, and other specified procedures.","https://schema.org",{"og:url":32,"og:type":75,"og:title":10,"og:site_name":45,"og:description":12},"article",{"robots":77,"canonical":32},"index,follow",{"doc_id":79,"site_id":7},269303,1789450075,{"code":4,"msg":82,"data":83},"success",[84,88,92,96,101,106,110,115,120,123,127],{"id":22,"doc_module":4,"doc_module_name":25,"category_name":85,"show_sort_weight":86,"slug":87},"Story & Novel",90,"story-novel",{"id":26,"doc_module":4,"doc_module_name":25,"category_name":89,"show_sort_weight":90,"slug":91},"Literature",80,"literature",{"id":33,"doc_module":4,"doc_module_name":25,"category_name":93,"show_sort_weight":94,"slug":95},"Exam",70,"exam",{"id":97,"doc_module":4,"doc_module_name":25,"category_name":98,"show_sort_weight":99,"slug":100},5,"Comic",60,"comic",{"id":102,"doc_module":4,"doc_module_name":25,"category_name":103,"show_sort_weight":104,"slug":105},6,"Technology",50,"technology",{"id":107,"doc_module":4,"doc_module_name":25,"category_name":29,"show_sort_weight":108,"slug":109},7,40,"healthcare",{"id":111,"doc_module":4,"doc_module_name":25,"category_name":112,"show_sort_weight":113,"slug":114},8,"Research & Report",30,"research-report",{"id":116,"doc_module":4,"doc_module_name":25,"category_name":117,"show_sort_weight":118,"slug":119},9,"Religion & Spirituality",20,"religion-spirituality",{"id":118,"doc_module":4,"doc_module_name":25,"category_name":121,"show_sort_weight":118,"slug":122},"World Cup","world-cup",{"id":124,"doc_module":4,"doc_module_name":25,"category_name":125,"show_sort_weight":124,"slug":126},10,"Lifestyle","lifestyle",{"id":128,"doc_module":4,"doc_module_name":25,"category_name":129,"show_sort_weight":97,"slug":130},19,"General","general",{"code":4,"msg":82,"data":132},{"doc_id":79,"user_id":133,"nickname":42,"user_avatar":11,"doc_module":4,"category_id":107,"category_name":29,"doc_title":10,"doc_description":12,"doc_content":134,"file_id":135,"file_url":136,"file_type":137,"file_size":138,"view_count":55,"is_deleted":4,"is_public":22,"is_downloadable":22,"audit_status":22,"page_count":139,"language":140,"language_code":8,"site_id":7,"html_lang":8,"table_of_contents":141,"faqs":142,"seo_title":143,"seo_description":12,"update_tm":80,"read_time":144},4398046744996,"Star Net Plus Insurance Policy   \nThe Proposal, Declaration and other documents if any given by the proposer forms the basis of this policy of insurance  \nIn consideration of the premium paid in full and subject to the terms and conditions as set out in the Schedule with all its Parts, the Company by this Policy agrees as under :-  \nSection I – HIV Cover Section  \nThe insured person shall contract the covered disease / illness/ accidental injuries as defined herein, the Company will pay to the Insured the limit mentioned in the Schedule as a lump sum.  \nIn the event of any claim becoming admissible under this insurance, the Company will pay to the Insured as follows:-  \nThe lump-sum amount as specified in the Policy Schedule for the covered disease / illness / accidental injuries, subject to terms, conditions, limitations and exclusions mentioned therein, if the Insured Person is declared as having reached the stage of AIDS (if the cd4 count falls below 150) as defined herein and the same is diagnosed and certified by a team of doctors appointed / nominated by the Company after conducting appropriate test(s) and during the Period of Insurance and if all of the following conditions are satisfied.  \nThe stage of AIDS experienced by the Insured Person is the first incidence; and  \nThe signs or symptoms experienced by the Insured Person commenced more than 90 days (ninety days) following the Commencement Date of the policy.  \nThe Insured Person subjects himself/herself to examination by the panel doctor of the Company and AIDS is confirmed by the panel doctor.  \nOnly one lump sum payment shall be provided during the Insured Person‟s lifetime regardless of the number of treatments undergone by the Insured Person. The cover for the respective individual will be automatically terminated after the lump sum payment is made as above and the cover for the respective person shall not be renewed.  \nSection II – Medical Section  \nIf during the period stated in the Schedule if the insured person shall contract any disease or suffer from any illness or sustain any bodily injury through accident and if such disease or injury shall require such insured Person, upon the advice of the duly Qualified Physician/Medical Specialist /Medical Practitioner or of duly Qualified Surgeon to incur Hospitalization expenses for medical/surgical treatment at any Nursing Home / Hospital in India as herein defined as an inpatient, the Company will pay to the Insured Person the amount of such expenses as are reasonably and necessarily incurred up-to the limits indicated but not exceeding the sum insured in aggregate in any one period stated in the schedule hereto.  \n1.0 In the event of any claims becoming admissible under this Scheme, the Company will pay to the Insured Person or the estate of the Insured Person.  \n2.0 The amount of such expenses as would fall under different heads up to the limits mentioned, and as are reasonably and necessarily incurred thereof by or on behalf of such Insured Person, but not exceeding the Sum insured in aggregate mentioned in the schedule hereto.  \nA) Room, Boarding Expenses as provided by the Hospital / Nursing Home at 2% of the sum insured.  \nB) Nursing expenses.  \nC) Surgeon, Anaesthetist, Medical Practitioner, Consultants, Specialist Fees.  \nD) Anaesthesia, Blood, Oxygen, Operation Theatre charges, Surgical Appliances, Medicines and Drugs, Diagnostic Materials and X-ray, Dialysis, Chemotherapy, Radiotherapy, cost of Pacemaker and similar expenses.  \nE) Emergency ambulance charges up-to a sum of Rs. 750/ -per hospitalisation and overall limit ofRs. 1,500/-per policy period for transportation of the insured person by private ambulance service when this is needed for medical reasons to go to hospital for treatment provided such hospitalisation claim is admissible as per the Policy.  \nF) Relevant Pre-Hospitalization medical expenses incurred for a period not exceeding 30 days prior to the date of Hospitalisation, on the disease","cbCaidcMYlNTnxia","https://ap.wps.com/l/cbCaidcMYlNTnxia","pdf",276715,13,"English","# Section I – HIV Cover\n## Section II – Medical Section\n## Claims Payment Limits and Covered Expenses\n## Definitions (AIDS and other terms)","[{\"question\":\"When is the lump-sum HIV cover under Section I payable?\",\"answer\":\"It is payable when the insured is declared to have reached the stage of AIDS (CD4 count below 150), diagnosed and certified by the company’s nominated panel of doctors during the period of insurance, and when the first incidence timing and related conditions are satisfied.\"},{\"question\":\"What medical costs does Section II cover for hospitalization in India?\",\"answer\":\"Section II covers reasonably and necessarily incurred hospitalization expenses for medical/surgical treatment as an inpatient, including room and boarding, nursing, specialist and surgeon-related fees, anesthesia and medicines, diagnostic materials, dialysis/chemotherapy/radiotherapy, and specified related costs, subject to limits.\"},{\"question\":\"Are there exceptions to the 24-hour minimum hospitalization requirement?\",\"answer\":\"Yes. The 24-hour minimum does not apply for listed day-procedure treatments where the insured is discharged on the same day, including dialysis, chemotherapy, radiotherapy, cataract surgery, dental surgery, lithotripsy, tonsillectomy, and other specified procedures.\"}]","Star Net Plus Insurance Policy - HIV Cover and Medical Section | PDF",33]