Financial Benefits of Star Assure Policy - Star Health Insurance Company

Policy Introduction

Star Assure is a comprehensive health insurance policy offered by Star Health Insurance Company. It is designed to provide extensive coverage for various medical expenses, ensuring that policyholders and their families are financially protected during health emergencies. With a range of features and benefits, Star Assure aims to reduce out-of-pocket costs and offer peace of mind.

Eligibility

Individuals: Any individual between the ages of 18 and 65 years.
Families: Family floater plans cover the policyholder, spouse, and dependent children (up to 25 years).
Senior Citizens: Special plans are available for individuals above 65 years, ensuring lifelong renewability and continuous coverage.

Star Health Assure Insurance Policy Premium Chart

(Note: Premium rates are indicative and may vary based on specific policy terms, conditions, and additional coverages chosen by the policyholder.)

Comprehensive Coverage 🛡️

Star Assure provides extensive coverage for a wide range of medical expenses, including hospitalization, pre and post-hospitalization, and day-care procedures, reducing out-of-pocket costs.

1. Cashless Treatment 💳

Access a network of hospitals offering cashless treatment options, eliminating the need to pay upfront and seek reimbursement later, easing financial strain during emergencies.

2. Tax Benefits 💰

Premiums paid for the Star Assure policy qualify for tax deductions under Section 80D of the Income Tax Act, allowing policyholders to save on their annual tax liabilities.

3. No-Claim Bonus 🌟

For every claim-free year, enjoy a no-claim bonus, which increases the sum insured without additional premiums, providing enhanced coverage over time.

4. Lifelong Renewability ♾️

Star Assure offers lifelong renewability, ensuring continuous coverage without age limits, protecting against future health-related financial uncertainties.

5. Alternative Treatments 🌿

The policy covers alternative treatments like Ayurveda, Unani, Siddha, and Homeopathy, offering financial support for a broader range of healthcare options.

6. Hospital Cash Benefit 🏥

Receive a daily cash allowance for hospitalization beyond a specified period, aiding in managing additional expenses like transportation, food, and lodging for caregivers.

7. Coverage for Modern Treatments ⚕️

Includes coverage for advanced treatments such as robotic surgeries and stem cell therapy, ensuring financial support for cutting-edge medical procedures.

8. Second Medical Opinion 🩺

Access to a second medical opinion feature without additional charges, helping to confirm diagnoses and treatment plans, potentially avoiding unnecessary expenses.

9. Automatic Restoration of Sum Insured 🔄

Benefit from the automatic restoration of the sum insured if it gets exhausted during the policy year, providing continuous financial protection without extra costs.

10. Pre-Existing Diseases Coverage 🩹

Coverage for pre-existing diseases after a specified waiting period, reducing long-term healthcare expenses for chronic conditions.

11. Preventive Health Check-Ups 🧑‍⚕️

The policy includes free preventive health check-ups, encouraging regular health monitoring and early detection of potential health issues, leading to lower treatment costs.

12. Family Floater Option 👨‍👩‍👧‍👦

Opt for a family floater plan, which covers all family members under a single sum insured, offering a cost-effective solution for family health insurance needs.

13. Cumulative Bonus 🎁

Earn a cumulative bonus for every claim-free year, which increases the sum insured up to a specified limit, enhancing coverage without additional premiums.

14. No Sub-Limits on Room Rent 🚪

Enjoy the freedom to choose any hospital room without sub-limits on room rent, ensuring access to better healthcare facilities without financial constraints.

15. Worldwide Coverage 🌍

Benefit from coverage for emergency medical treatment worldwide, offering financial protection during international travel.

Brochure - Star Health Assure Insurance Policy

Contact for More Details about Policy:

+91-99491 69257

akbar.abr@gmail.com

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Yashoda Health Check-up Packages for Men, Women and Children

Yashoda Wellness
Yashoda Group of Hospitals, the largest corporate healthcare providers in Andhra Pradesh, brings you a comprehensive set of preventive health check-ups. With state-of-the-art medical care across all specialties, Yashoda is the undisputed leader that has 3 Super-Specialty Hospitals, 3 Cancer Institutes and a Heart Institute. Our healthcare infrastructure includes 1200 beds, 700 specialist doctors, 6600 employees and 62 medical departments accomplishing about 20,000 Major Surgeries, 40,000 Surgical Procedures and 5,00,000 Patient Visits every year.

Yashoda Wellness is Yashoda Hospital's initiative to help you take charge of your health and prevent any potential health risks. Early detection allows diagnosis and management of illnesses to be done in a proper and timely manner. With this, your health and wellness are enhanced to enable you to achieve your lifestyle aspirations.

Do preventive health check-ups help?
Health check-ups are essential for the early detection of diseases and conditions that cause disability and death. The lifestyle and stress of modern living can have an adverse impact on our health by predisposing us to silent killers such as heart disease, diabetes, hypertension and cancers. Therefore, health check-ups are vital as they detect diseases, which do not produce early warning signs.

Why Yashoda?
· Yashoda championed the concept of preventive health screenings and check-ups since it is always at the forefront providing advanced healthcare services to over 5,00,000 patients every year
· Yashoda has taken special care while designing these preventive health check-up packages. Each package is designed to meet specific requirements of every lifestyle and age group.
· Personalized attention from our dedicated team of healthcare professionals

Yashoda Wellness Delivers Value
· Evaluation of medical history
· Physical check-up by a doctor
· An comprehensive set of tests
· Complete Report of tests for future reference

You will receive a detailed individualized medical report. This will be reviewed during a consultation with your doctor, who will explain and provide you with suitable recommendations based on your health profile.

Important Instructions:

• Kindly take an appointment before coming Please call 040-27713333 (Secunderabad), 040-24555555 (Malakpet), 040-23319999 (Somajiguda)
• Kindly report at registration counter, Yashoda Wellness Centre, between 8.00 AM and 12.30 PM with prior appointment.
• Kindly come with empty stomach with overnight fasting (you can have 2-3 glasses of plain water)
• Please bring your morning samples of stool and urine if possible (sterilized containers for samples can be obtained a day before tests from Yashoda Wellness centre)
• Incase you are taking any medicines, Please bring the medicines and prescription along with you (if you are a cardiac or a diabetes patient, please inform the same to the personnel at the desk of Yashoda Wetness centre.)
• Pregnant ladies or those suspecting pregnancy, please do not undergo any X-ray tests
• Please wear loose clothes and slippers as you might have to remove your clothes frequently while going through various tests.
  

Yashoda Master Health Check-up Rs. 2,900/-

Lab Investigations

Haematology
• Hb • PCV • RBC • MCHC • MCV • MCH • Total WBC • Differential Count • ESR • PLT • Peripheral Smear • Complete Urine Examination & Stool Routine Test

Histopathology
• Pap smear (for female)

Biochemistry
• FBS • PLBS • Creatinine • Urea and Uric acid • Serum Lipid Profile (Total cholesterol, HDLCholesterol, LDL cholesterol, VLDL Cholesterol ,Triglycerides, Cardiac risk ratio) • Liver Function Test (Total Bilirubin, Direct Bilirubin, Indirect Bilirubin, Alkaline Phosphate, SGOT, SGPT, Total Protein, Albumin, Globulin, ratio) • Serum Calcium

Microbiology
• HIV • HbsAg

Blood hank
• Blood Grouping & Rh Typing

Cardiac Investigations
• ECG (Resting)

Radiology Investigations
• Radiography Chest • Ultrasound (upper abdomen Screening)

Examination ft Consultation
Overall review of health check up findings and counseling by

• Consultant Physician
• Consultant Gynecologist

On examining consultant's recommendation
• Dietician Consultation
• Diet Breakfast


Yashoda Executive Health Check-up Rs. 4,150/-

Lab Investigations
Haematology
• Hb • PCV • RBC • MCHC • MCV • MCH • Total WBC • Differential Count • ESR • PLT • Peripheral Smear • Complete Urine Examination & Stool Routine Test

Histopathology
• Pap Smear(for female)

Biochemistry
• FBS • PLBS • Creatinine • Urea and Uric acid • Serum Lipid Profile (Total cholesterol, HDL Cholesterol, LDL cholesterol, VLDL Cholesterol ,Triglycerides, Cardiac risk ratio) • Liver Function Test (Total Bilirubin, Direct Bilirubin, Indirect Bilirubin, Alkaline Phosphate, SCOT, SGPT, Total Protein, Albumin, Globulin, ratio) • Serum Calcium

Microbiology
• HIV • HbsAg

Blood bank
• Blood Grouping & Rh Typing

Cardiac Investigations
• ECG (Resting)

Radiology Investigations
• Radiography Chest • Ultrasound (upper abdomen Screening)

Lung Investigations
• Pulmonary Function test

Eye Check
• Visual acuity • Eye Pressure

Examination Er Consultation
Overall review of health check up findings and counseling by

• Consultant Physician
• Consultant Gynecologist
• Consultant Ophthalmologist

On examining consultant's recommendation
• Dietician Consultation
• Diet Breakfast


Yashoda Heart Check-up Rs. 5,950/-

Lab Investigations

Haematology
• Hb • PCV • RBC • MCHC • MCV • MCH  • Total WBC • Differential Count • ESR • PLT • Peripheral Smear • Complete Urine Examination & Stool Routine Test

Histopathology
• Pap Smear(for female)

Biochemistry
• FBS • PLBS • Creatinine • Urea and Uric acid • Serum Lipid Profile (Total cholesterol, HDL Cholesterol, LDL cholesterol, VLDL Cholesterol,Triglycerides, Cardiac risk ratio) • Liver Function Test (Total Bilirubin, Direct Bilirubin, Indirect Bilirubin, Alkaline Phosphate, SCOT, SGPT, Total Protein, Albumin, Globulin,ratio)
• Serum Calcium

Microbiology
• HIV • HbsAg

Blood bank
• Blood Grouping & Rh Typing

Cardiac Investigations
• ECG (Resting) • Stress Test (TMT) 2D ECHO

Radiology Investigations
• Radiography Chest • Ultrasound (upper abdomen screening)

Lung Investigations
• Pulmonary Function test

Eye Check
• Visual acuity • Eye Pressure

Examination & Consultation
Overall review of health check up findings and counseling by Consultant Physician
• Consultant Gynecologist
• Consultant Ophthalmologist
• Consultant Cardiologist

On examining consultant's recommendation
• Dietician Consultation
• Diet Breakfast


Yashoda Well Woman Check-up Rs. 2,250/-

Lab Investigations
• Random Blood Sugar • Complete Blood Picture (CBP) • Complete Urine Examination

Histopathology
• Pap Smear

Radiology Investigation
• Radiography Chest
• Mammography
• Ultrasound abdomen & pelvis

Gynaec Examination
• Breast Examination

Examination Er Consultation
Overall review of health check up findings and counseling by
• Consultant Gynecologist
• Diet Breakfast

Yashoda Child Health Check-up Rs. 950/-
(Empty stomach is not required)

Lab Investigations

• Blood grouping & Rh typing • Complete Blood Picture (CBP) • Complete Urine Examination • Stool Routine Test & Mantoux Test

Radiology Investigations
• Radiography Chest

Examination Ft Consultation
Overall review of health check up findings and counseling by
• Consultant Pediatrician
• Diet Breakfast


Yashoda Diabetic Check-up Rs. 2,950/-

The Yashoda Diabetic Test is a comprehensive package designed especially for Diabetes patients. The package aims not only t identify the sugar levels of the body but also to identify th complications related to diabetes, at the earliest stage, offering bes chance to limit their progress, includes:

Day 0
• FBS Er PLBS • Glycoselated Haemoglobin (HbAl C)  • Complete blood picture  • Serum Lipid profile
• Blood urea & Creatinine • Urine microalbuminuria Quantitative  • SGOT  • SGPT  • ECG  • Eye examination  • Life Style Modification (LSM)  • SMBG / Insulin delivery training

Day 365 : End year follow-up
• Fasting blood glucose  • Glycoselated Haemoglobin(HbAl C)  • Serum creatinine  • Microalbuminuria
• Serum Lipid profile  • ECG  • MNT / ISM / SMBG review counseling

Examination Er Consultation
Overall review of health check up findings and counseling by
• Consultant Physician/Diabetologist

On examining consultant's recommendation
• Dietician Consultation
• Diet Breakfast


Yashoda Life Check-up Rs. 9,250/-

Lab Investigations
Haematology

• Hb PCV • RBC MCHC MCV • MCH • Total WBC • Differential Count • ESR • PLT • Peripheral Smear • Complete Urine Examination & Stool Routine Test

Histopathology
• Pap Smear (for female)

Biochemistry
• FBS • PLBS • Creatinine • Urea and Uric acid • Serum Lipid Profile (Total cholesterol, HDL Cholesterol, LDL cholesterol, VLDL Cholesterol ,Triglycerides, Cardiac risk ratio) • Liver Function Test (Total Bilirubin, Direct Bilirubin, Indirect Bilirubin, Alkaline Phosphate, SOT, SOFT, Total Protein, Albumin, Globulin, ratio)
• Serum Calcium & Phosphate • Serum Electrolytes • T3  • T4 & TSH • PSA Glycoselated Haemoglobin (HbA1C)

Microbiology
• HIV  • HbsAg  • HCV

Blood Bank
· Blood Grouping & Rh Typing

Cardiology Investigations
• ECG (Resting) • Stress Test (TMT) • 2DECHO

Cardiac Risk
• Homocysteine

Radiology Investigations
• Radiography chest
• Ultrasound abdomen & pelvis
• C.T. Scan Brain

Lung Investigation Pulmonary function test
• Eye check
• Visual acuity Eye pressure

Examination Consultation
Overall review of health check up findings and counseling by Consultant Physician
• Consultant Gynecologist
• Consultant Cardiologist
• Consultant Ophthalmologist

On examining consultant's recommendation
• Dietician Consultation
• Diet Breakfast

Yashoda Sports Check-up Rs. 2,950/-

Lab Investigations
Haematology

• Hb • PCV • RBC • MCHC • MCV • MCH • Total WBC • Differential Count • ESR PLT Peripheral Smear • Complete Urine Examination

Biochemistry
• Serum Urea & creatinine • Serum Lipid Profile (Total cholesterol, HDL, Cholesterol, [DL cholesterol, Triglycerides, Cardiac risk ratio)

Microbiology
· HIV Screening

Blood bank
• Blood Grouping & Rh Typing.

Cardiology Investigations
• ECG (Resting)  • 2DECHO

Cardiac RISK Factor
• Homocysteine

Radiology Investigations
• Radiography Chest

Lung Investigation
• Pulmonary function test

Eye check
• Visual acuity
• Eye pressure (Tonometry)
• Gloucoma Screening test
• Diabetic Retinophotography

Examination & Consultation
Overall review of health check up findings and counseling by Consultant Physician
• Consultant
• Cardiologist

On examining consultant's recommendation.
• Dietician Consultation
• Diet Breakfast


Yashoda Low Backache Check-up Rs. 5,250/-

Lab Investigations
Haematology
• Hb • PCV • RBC • MCHC • MCV MCH • Total WBC • Differential Count  • ESR • PLT Peripheral Smear • Complete Urine Examination

Biochemistry
• RBS • Creatinine • Urea & Uric acid • Serum Calcium

Blood bank
• Blood Grouping & Rh Typing

Histopathology
• Pap Smear(for female)

Cardiology Investigations • ECG (Resting)

Radiology Investigations
• X-Ray L.S. Spine AP & Lat View
• X-Ray Cervical Spine AP & Lat View
• Ultrasound Abdomen
• MRI Spine Screening (Lumbar or Cervical)

Examination ft Consultation
Overall review of health check up findings and counseling by
• Consultant Physician
• Consultant Neuro Surgeon / Spine Surgeon

On examining consultant's recommendation
• Dietician Consultation
• Diet Breakfast

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Star Health Assure Insurance Policy: Comprehensive Coverage, Benefits and Premium

Star Health Assure Insurance Policy - Introduction:

Health insurance is a crucial aspect of ensuring financial security and peace of mind in uncertain times. Star Health Assure Insurance Policy is a comprehensive health insurance plan that offers a wide range of coverage, benefits, and affordable premiums to protect you and your family's well-being. In this article, we will delve into the key features of the Star Health Assure Insurance Policy, its coverage, benefits, and premium details.

Policy Coverage:

1. Hospitalization Expenses: The policy covers in-patient hospitalization expenses, including room rent, nursing, boarding charges, and ICU expenses, up to the sum insured.
2. Pre and Post Hospitalization: Star Health Assure offers coverage for medical expenses incurred both before and after hospitalization for a specified period.
3. Day Care Procedures: The policy includes coverage for advanced technological treatments and day-care procedures that do not require a 24-hour hospital stay.
4. Domiciliary Hospitalization: If the insured cannot be moved to a hospital, the policy provides coverage for medical treatment received at home.
5. Ambulance Charges: The plan covers ambulance charges in case of emergency hospitalization, ensuring prompt medical care.
6. Organ Donor Expenses: The policy covers medical expenses for the organ donor's treatment during transplantation.

Policy Benefits:

1. No Claim Bonus (NCB): For every claim-free year, the policyholder is entitled to a cumulative bonus in the form of an increased sum insured or a reduction in the premium.
2. Second Opinion: In case of a major illness diagnosis, the insured can avail of a second opinion from a panel of medical experts for a better understanding of the condition.
3. Tax Benefits: Policyholders can avail tax benefits under Section 80D of the Income Tax Act for premiums paid towards the Star Health Assure Insurance Policy.
4. Cashless Hospitalization: With a vast network of empanelled hospitals, the policy offers cashless hospitalization, reducing the financial burden during emergencies.
5. No Room Rent Capping: The policy does not impose any room rent capping, allowing the insured to choose a room of their preference without worrying about exceeding the limit.
6. Maternity Cover: The plan provides maternity benefits, including pre and post-natal expenses, after a specific waiting period.

Policy Premium:

The premium for the Star Health Assure Insurance Policy is calculated based on factors such as age, sum insured, coverage type, and add-ons chosen. It is essential to note that a higher sum insured or additional riders may lead to a slightly higher premium. However, the policy's extensive coverage and benefits outweigh the premium costs, providing comprehensive protection to policyholders and their families.

Premium for Zone B Cities

Hyderabad, Secunderabad, Vijayawada, Vishakapatnam

Policy Conclusion:

The Star Health Assure Insurance Policy is a reliable and comprehensive health insurance plan that offers extensive coverage, valuable benefits, and competitive premiums. It ensures that you and your loved ones receive quality healthcare without worrying about financial constraints during medical emergencies. By opting for this policy, you can secure your future and enjoy peace of mind, knowing that your health and well-being are well-protected.

Brochure - Star Health Assure Insurance Policy

Contact for More Details about Policy:

+91-99491 69257

akbar.abr@gmail.com

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Overcoming Obesity: Strategies for a Healthier Life on World Obesity Day - March 4

World Obesity Day is an annual event that is held on March 4th to raise awareness about the growing obesity epidemic around the world. Obesity is a major public health issue that affects people of all ages, genders, and ethnicities. According to the World Health Organization (WHO), there are more than 1.9 billion adults who are overweight, with over 650 million of them being obese. This epidemic not only affects an individual’s physical health, but it also has a significant impact on their mental and emotional well-being. In this article, we will discuss the causes of obesity, the impact it has on individuals and society, and the remedies that can be taken to overcome obesity.

Causes of Obesity

Obesity is caused by a combination of factors, including genetic, environmental, and lifestyle factors. Genetics can play a role in an individual's likelihood to become obese. However, environmental and lifestyle factors play a more significant role. The most common factors that contribute to obesity include:

Unhealthy Diet: A diet that is high in calories, sugar, and saturated fats can lead to weight gain and obesity. Consuming a diet that is low in fruits, vegetables, and whole grains can also contribute to obesity.

Lack of Physical Activity: A sedentary lifestyle with little to no physical activity can lead to weight gain and obesity. A lack of physical activity can also lead to other health problems such as cardiovascular disease, diabetes, and hypertension.

Medical Conditions: Certain medical conditions, such as hypothyroidism, Cushing's syndrome, and polycystic ovary syndrome (PCOS), can contribute to weight gain and obesity.

Medications: Some medications, such as antidepressants, antipsychotics, and corticosteroids, can cause weight gain and contribute to obesity.

Psychological Factors: Emotional eating, stress, and depression can contribute to overeating and weight gain.

Impact of Obesity

Obesity can have a significant impact on an individual's physical and mental health. Obesity is a major risk factor for a variety of health problems, including:

Cardiovascular Disease: Obesity can increase the risk of developing heart disease, stroke, and other cardiovascular diseases.

Diabetes: Obesity is a major risk factor for type 2 diabetes, which can lead to serious health complications such as nerve damage, kidney disease, and blindness.

Cancer: Obesity is associated with an increased risk of several types of cancer, including breast, colon, and prostate cancer.

Sleep Apnea: Obesity can cause sleep apnea, a condition in which breathing stops and starts during sleep.

Joint Problems: Obesity can put extra pressure on joints, leading to joint pain and other problems such as osteoarthritis.

Obesity can also have a significant impact on an individual's mental and emotional well-being. Obese individuals may experience discrimination and stigmatization, which can lead to low self-esteem, depression, and anxiety.

Remedies for Obesity

Obesity is a complex issue that requires a multifaceted approach to address. The most effective remedies for obesity are those that focus on making sustainable lifestyle changes, including:

Healthy Eating Habits: Consuming a balanced diet that is rich in fruits, vegetables, whole grains, lean proteins, and healthy fats can help individuals maintain a healthy weight.

Regular Exercise: Regular physical activity can help individuals maintain a healthy weight, improve cardiovascular health, and reduce the risk of chronic diseases.

Behavior Therapy: Behavioral therapy can help individuals identify and change unhealthy behaviors, such as emotional eating and binge eating.

Medications: Medications such as orlistat, lorcaserin, and phentermine can be prescribed to individuals who are struggling with weight loss.

Surgery: In severe cases of obesity, surgery may be recommended as a last resort. Bariatric surgery, which includes procedures such as gastric bypass, gastric sleeve, and gastric banding, can significantly reduce weight and improve overall health outcomes for individuals with severe obesity. However, surgery should only be considered after other weight loss efforts have been exhausted, and the benefits and risks of the procedure have been carefully evaluated.

In addition to these remedies, there are several other lifestyle changes that individuals can make to overcome obesity. These include:

Avoiding Sugary Beverages: Sugary drinks such as soda, juice, and energy drinks can contribute to weight gain and obesity. Instead, individuals should choose water or unsweetened beverages.

Reducing Portion Sizes: Eating smaller portion sizes can help individuals consume fewer calories and maintain a healthy weight.

Getting Enough Sleep: Lack of sleep has been linked to weight gain and obesity. Getting seven to eight hours of sleep each night can help individuals maintain a healthy weight.

Managing Stress: Stress can lead to overeating and weight gain. Learning stress management techniques such as meditation, yoga, or deep breathing exercises can help individuals manage stress in a healthy way.

Seeking Support: Overcoming obesity can be challenging, and it is important for individuals to seek support from family, friends, or healthcare professionals.

Conclusion

Obesity is a growing public health issue that affects millions of people around the world. It is caused by a combination of genetic, environmental, and lifestyle factors and can have a significant impact on an individual's physical and mental health. However, there are several remedies that individuals can take to overcome obesity, including healthy eating habits, regular exercise, behavior therapy, medications, and surgery. By making sustainable lifestyle changes and seeking support, individuals can improve their overall health and reduce their risk of chronic diseases associated with obesity. World Obesity Day serves as an important reminder of the need to address the growing obesity epidemic and promote healthy lifestyles for all.

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Star Health Senior Citizen Policy: Comprehensive Coverage and Benefits for Elderly Individuals

Star Health Senior Citizen Policy: Comprehensive Coverage and Benefits for Elderly Individuals - Introduction: 

As we age, our health becomes a top priority, and having a comprehensive health insurance policy becomes essential to secure our well-being. For senior citizens, who may face increased medical needs and expenses, a specialized health insurance plan tailored to their requirements is crucial. Star Health Senior Citizen Policy is one such policy designed to cater to the unique healthcare needs of elderly individuals and provide them with the necessary financial support during medical emergencies.

Policy Coverage:

The Star Health Senior Citizen Policy offers extensive coverage to address various medical expenses that senior citizens may incur.

• In-patient hospitalization expenses covered, including room charges, nursing charges, and surgeon fees.
• Pre and post-hospitalization expenses covered, including doctor consultations, diagnostic tests, and medications during recovery.
• Coverage for daycare treatments where hospitalization is less than 24 hours but requires specialized medical procedures.
• Coverage for organ donor expenses during transplant surgeries.
• Domiciliary hospitalization coverage for treatment availed at home due to the patient's condition or unavailability of hospital beds.

Policy Benefits:

The Star Health Senior Citizen Policy comes with several benefits that make it an attractive option for elderly individuals.

• Lifelong renewability ensures continuous coverage without any age limit.
• Cashless hospitalization at a vast network of hospitals across the country.
• Coverage for pre-existing diseases after a specified waiting period (24 to 48 months).
• Peace of mind during medical emergencies with immediate medical treatment without worrying about out-of-pocket expenses.

Policy Waiting Period:

• Waiting period for certain specific illnesses or conditions.
• During the waiting period, claims related to pre-existing diseases or specific medical conditions are not admissible.
• Helps prevent adverse selection and ensures sustainability for all policyholders.

Policy Premium:

• Premium depends on factors like age, sum insured, and additional add-on covers chosen.
• Slightly higher premium for senior citizen policies due to higher health risks associated with age.
• Comprehensive coverage and benefits outweigh the cost, making it a worthwhile investment for senior citizens and their families.

Brochure - Star Health Senior Citizen Policy

Contact for more details about Policy:

+91-99491 69257
akbar.abr@gmail.com

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Young Star Insurance Policy - Premium, Benefits and Highlights

Young Star Insurance Policy - Major Benefits and Highlights:

Check out the Young Star Insurance Policy from Star Health. It covers hospitalization, pre and post-hospital expenses, daycare procedures, ambulance, health check-ups, and more. Plus, it has benefits like no-claim bonus, organ donor expenses, and mental health coverage. Perfect for comprehensive health protection!

🏥 Comprehensive Coverage: Covers hospitalization expenses, including room rent, ICU charges, doctor's fees, and other related costs.

📅 Pre and Post-Hospitalization: Medical expenses incurred 60 days before and 90 days after hospitalization are covered.

🏥 Day Care Procedures: Covers 405 day care procedures that require hospitalization for less than 24 hours.

🚑 Ambulance Cover: Coverage for ambulance services up to a specified limit per hospitalization.

🩺 Health Check-Up: Annual health check-up expenses are covered after every policy year without any claim.

🎁 No-Claim Bonus: Increase in the sum insured for every claim-free year, up to a specified percentage.

🫀 Organ Donor Expenses: Covers medical expenses for organ donor treatment.

🔄 Automatic Restoration: Automatic restoration of 100% of the sum insured once in a policy year upon exhaustion of the sum insured.

💵 Hospital Cash: Daily cash benefit for hospitalization exceeding a specified number of days.

🌿 AYUSH Treatment: Covers expenses for non-allopathic treatments like Ayurveda, Yoga, Unani, Siddha, and Homeopathy.

👶 Maternity and Newborn Cover: Maternity expenses are covered along with newborn baby cover for a specified period.

💉 Vaccination Expenses: Coverage for vaccination expenses for children up to a specified age.

🧠 Mental Health Cover: Expenses related to treatment for mental illnesses are covered.

💬 Second Medical Opinion: Facility for obtaining a second medical opinion from a network provider.

🌟 Wellness Programs: Wellness rewards and discounts for maintaining good health and following prescribed wellness programs.

Premium Chart - Young Star Insurance Policy

Download Young Star Health Policy

#YoungStarInsurance #HealthCoverage #InsuranceBenefits #FamilyHealth #ChildCoverage #ComprehensiveInsurance #Healthcare #SecureFuture #WellnessCoverage #HealthInsurance #PolicyHighlights #MedicalCoverage #PeaceOfMind #FinancialProtection #HealthFirst

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Tips for Summer Season

Summer is already upon us! For many people, summer means fun in the sun. The kids are out of school, adults are going on vacations and it's time for outdoor activities like riding bikes and hosting barbecues and much more. Staying healthy during the summer requires more than just eating the right foods.

Summer provides an excellent opportunity for everyone to get outside, increase their activity, and avoid a year-round sedentary lifestyle. But summer also holds risks such as heat, skin cancer and even tetanus. No matter what summertime activity you choose to participate in - fun and games with family or friends at the park, a cool and refreshing swim, or a backyard barbecue - the hot and humid days can take a toll on you and your family. It may be tempting to let your guard down on vacation, but you can have fun and stay healthy away from home and take your healthy lifestyle with you. As your family plans quality time together, incorporate your regular healthy habits into your summer - or take advantage of the time to start new ones.

Take advantage of the summer weather to enjoy walks or light exercise, such as gardening. It may improve your balance, build muscle mass, lower blood pressure, improve cardiac health, and provide other health benefits both emotional and physical. Whether it's gardening or exercising, ease into it and gradually build your endurance. Watch the heat and your fluid intake, and you can enjoy summer in good health. There is much that you can do that will help you and your family stay cool and healthy during the upcoming hot winter months. Now is the time to get ready for a healthy and safe summer that can help reduce the risks of developing chronic diseases such as heart disease, cancer and diabetes and also allergies, eye injuries, immune system function and more and this summer is a great opportunity for everyone to think about simple ways to start being more active, eating better and creating a healthy lifestyle that can last a lifetime.

Summer Infections and Conditions

There are many infections that are more common in the summer and can cause symptoms. Among the viruses that can commonly cause infections in the summer include enteroviruses, parainfluenza, and poliovirus. It is also important to keep in mind that different parts of the world have different seasonal patterns for when infections occur. So, if you are from the United States and you visit another area of the world on your summer vacation,' then you may be exposed to people that are in the peak of their flu season. Or if you are around a lot of tourists, they can bring the infection to you.



Another important cause of infections and illness in the summer months is food poisoning or food borne illnesses. Warmer weather, which help bacteria to multiply faster, and the increased number of cookouts and picnics in the summer, help to contribute to a rise in food poisoning during this time of year.
A variety of information regarding health issues that typically arise in spring and summer, including a natural approach for alleviating allergies; recognizing and treating heat exhaustion and heat stroke; a spring-and-fall regimen of body cleansing; revving up your immune system and using vitamin E to nourish cells and reduce the signs of aging.

Travel Health

Preparing for a trip and vacations takes planning and time. Proper planning is the best way to stay healthy during your trip. According to Healthwise Incorporated, a nonprofit organization, you should see a doctor at least 6 weeks before you go so that you'll have time for immunizations and other health precautions you may need to take in advance. There are several factors to consider in preparing for a trip.

If you have health problems, carry a letter from you doctor describing your conditions, a list of your routine medications including their generic names, and written prescriptions for refills if you will be gone long. If you have diabetes, you can take precautions to prevent problems while traveling. Travel can make it hard to keep your blood sugar within a safe range because of changes in time zones, meal schedules, and types of foods available. Check your blood sugar level more often during your time away from home. When traveling, take extra diabetes pills and insulin supplies. You may not find your regular supplies wherever you travel. Double your normal amount of needed supplies for short trips. For long trips, have enough extra supplies to last for 2 weeks more than the length of your trip. To keep your blood sugar level, try to eat and take your medicine as close to your usual schedule as you can.

Summer Health Tips

• Drink plenty of water; your body needs it to prevent dehydration during warm summer days. Take bottles of water with you, if you're going out for any length of time. Remember, infants and toddlers can become dehydrated much more easily than adults, so be sure they get lots of liquids.
  
• If you have asthma or other respiratory problems, watch the air quality report for the day. Limit your time outdoors on days that have moderate to poor air quality outlooks. Plus, don't forget to take your inhaler or other medication when you go out.
  
• Wear appropriate shoes for your outdoor activities. If you're doing a lot of walking or other sports activities, skip those stylish summer sandals. Avoid blisters and sprains by choosing a good pair of walking shoes. Wear them with comfortable, cotton socks.
  
• Take a rest. Don't push beyond your physical limits. At intervals, sit in a shady spot.
  
• Take cover. Sunburn is painful and unhealthy. Use a good sunscreen, and re-apply it frequently during the day. Also, wear a hat to keep cool and shaded.
  
• Use sunglasses to protect your eyes from sun rays.
  
• Wear light, loose-fitting clothing to help you stay cooler.
  
• Don't forget sunglasses to protect your eyes from the sun's UV rays.
  
• Maintain your energy level by limiting your intake of fat and sugar; focus on carbohydrates, fruits and vegetables.
  
• Consume alcohol in moderation, and don't drink at all near the time that you may be driving.
  
• If you are traveling by air, put prescription drugs in your carry-on bag, not your checked luggage. Travelers and their baggage are sometimes parted, and it may be dangerous to skip even one dose.
  
• It is particularly important to bring medicines with you if you are traveling abroad. Drug names, doses, and availability differ in different countries, and in some parts of the world, drug safety and effectiveness may not be up to U.S. standards.
  
• Check the labels on your medicines for the possibility that they might increase your sensitivity to sun and/or heat.
  
• Don't store medicines in the trunk or glove compartment of your car or take them to the beach unless you will need them there. High heat and humidity can alter the potency of many drugs.
  
• If you are traveling with small children, make sure that all drugs are in containers with child-resistant caps. It may be difficult to keep medicine out of reach or under lock and key the way you would at home.
  
• Taking bath twice a day is advisable.
  

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Union Budget 2024 Key Highlights - Viksit Bharat by 2047 - Vision 2047 Building India’s Future

Finance Minister Nirmala Sitharaman presented the Union Budget 2024-25 in the Lok Sabha today. 

Here are some key highlights:

1. Roadmap for ‘Viksit Bharat’ by 2047:

   The budget focuses on the government’s vision for a developed India by 2047.

2. Fiscal Deficit Target:

   The government aims to stick to the 5.1% fiscal deficit target for FY25.

3. Themes:

• Infrastructure and Housing: Expect a focus on infrastructure and housing development.
• Defence Sectors: Emphasis on defence spending.
• Job Creation: Fiscal prudence combined with capital expenditure to create jobs.
• Social Sector: Targeted spending to improve access to physical, social, and digital infrastructure.

Here are the key tax changes introduced in the Union Budget 2024-25:

1. Standard Deduction Increase:

   The standard deduction for salaried employees opting for the new tax regime has been raised from ₹50,000 to ₹75,000. This change is expected to benefit around 4 crore salaried individuals and pensioners, allowing them to save up to ₹17,500 annually in taxes.

2. Family Pension Deduction:

   The deduction on family pension for pensioners has been enhanced from ₹15,000 to ₹25,000.

3. Revised Tax Slabs for New Regime:

   • Income up to ₹3 lakh will be tax-free.
   • ₹3-7 lakh income will be taxed at 5%.
   • ₹7-10 lakh income will be taxed at 10%.
   • ₹10-12 lakh income will be taxed at 15%.
   • ₹12-15 lakh income will be taxed at 20%.
   • Income above ₹15 lakh will be taxed at 30%.

4. National Pension System (NPS) Boost:

   The deduction limit for the employer’s contribution to the NPS has increased from 10% to 14%. This change covers government employees and private companies in the NPS.

5. Securities Transaction Tax (STT) and Capital Gains Tax:

• STT on Futures and Options contracts has been increased to 0.2% and 0.1%, respectively.
• Income received on the buyback of shares will now be taxed in the hands of the recipient.

The Union Budget 2024-25 has significant implications for the healthcare sector in India:

1. Cancer Treatment:

   Finance Minister Nirmala Sitharaman exempted three critical cancer drugs from customs duties, making them more affordable. Given the high cost of cancer treatments, this move aims to improve accessibility for patients. India ranks third globally in cancer cases, following China and the United States.

2. Healthcare Funding:

   The Health Ministry received an allocation of ₹90,958.63 crore, reflecting a 12.9% increase from the previous budget. The Department of Health and Family Welfare will receive ₹87,656.90 crore, and the Department of Health Research will receive ₹3,301.73 crore.

3. Infrastructure and Innovation:

   Changes to basic customs duty for X-ray tubes and flat panel detectors used in medical X-ray machines align with domestic capacity expansion. The budget emphasizes strengthening healthcare infrastructure and digital health initiatives.

The Union Budget 2024-25 places significant emphasis on infrastructure development in India. Here are the key highlights:

1. Capital Expenditure:

   The Central Government has allocated ₹11,11,111 crore for capital expenditure, which accounts for 3.4% of GDP. This investment will drive infrastructure growth and have a multiplier effect on the economy.

2. State Support:

   States are encouraged to provide similar scale support for infrastructure aligned with their development priorities. A provision of ₹1.5 lakh crore in long-term interest-free loans has been made to assist states.

3. Private Sector Participation:

   The budget promotes private sector investment in infrastructure through viability gap funding, supportive policies, and regulations. A market-based financing framework will also be introduced.

4. Recent Trends:

   While bank credit to infrastructure sectors has shown recovery (6.5% growth in FY24), the central role in funding large-scale projects remains with Union and State Governments. External commercial borrowings and capital market issuances also contribute to infrastructure financing.

The Union Budget 2024-25 has several implications for the healthcare sector in India:

1. Cancer Treatment: Finance Minister Nirmala Sitharaman exempted three critical cancer drugs from customs duties, making them more affordable. Given the high cost of cancer treatments, this move aims to improve accessibility for patients. India ranks third globally in cancer cases, following China and the United States.
   
   
2. Healthcare Funding: The Health Ministry received an allocation of ₹90,958.63 crore, reflecting a 12.9% increase from the previous budget. The Department of Health and Family Welfare will receive ₹87,656.90 crore, and the Department of Health Research will receive ₹3,301.73 crore.
   
   
3. Infrastructure and Innovation: Changes to basic customs duty for X-ray tubes and flat panel detectors used in medical X-ray machines align with domestic capacity expansion. The budget emphasizes strengthening healthcare infrastructure and digital health initiatives.

Here are some key changes in the Union Budget 2024-25 that impact small businesses:

1. Start-up Tax Incentive:

   The start-up tax incentive will remain in effect until March 31, 2025. This measure aims to encourage entrepreneurship and innovation.

2. Bio-Manufacturing Scheme:

   A new scheme for bio-manufacturing will be launched to promote green growth. This initiative supports sustainable practices and economic development.

3. EV Ecosystem Expansion:

   The electric vehicle (EV) ecosystem will be strengthened, with support for manufacturing and charging infrastructure. This move aligns with India’s push toward cleaner mobility.

Here are the key highlights from the Union Budget 2024-25 related to education:

1. Financial Support and Education Loans:

   • The government will provide financial support for loans up to ₹10 lakh for higher education in domestic institutions.
   • Additionally, e-vouchers with an interest subvention of 3% of the loan amount will be given directly to 1 lakh students annually.

2. Skilling Initiatives:

   • Internship Opportunities: A scheme will provide internship opportunities in 500 top companies to 1 crore youth over five years. Interns will receive an allowance of ₹5,000 per month and a one-time assistance of ₹6,000.
   • ITIs Upgrade: 1,000 Industrial Training Institutes (ITIs) will be upgraded using a hub-and-spoke model. Course content will align with industry needs, and new courses will be introduced.
   • Centrally Sponsored Skilling Scheme: A new centrally sponsored scheme will skill 20 lakh youth over five years in collaboration with state governments and industry.

3. Women Empowerment:

   • To promote women’s participation in the workforce, the government will set up working women hostels and establish creches in collaboration with industries.
   • The budget allocates more than ₹3 lakh crore for schemes benefiting women and girls, signalling a commitment to enhancing women’s role in economic development.

4. Healthcare Development:

• New medical colleges will be established in Bihar to improve healthcare infrastructure and access.

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