Star Health Corona Rakshak

The Corona Rakshak Policy offered by the Star Health Insurance Co. Ltd. provides a 100% payout of the insured sum if the policyholder is diagnosed Covid-19 positive at a government authorised centre and is hospitalised for a minimum of 72 hours. It is an individual-benefit policy which can help you access quality healthcare in times of need.

Features and benefits of the Corona Rakshak Policy:

  • Pay a single premium: This is a short-term policy and you only need to pay a single premium.
  • Choose the insurance amount: This policy gives the option of choosing the insured amount. You can choose a sum ranging between Rs. 50,000 to Rs. 2.5 lakh.
  • No annual policy term: This policy also gives you the flexibility of choosing the policy duration. You can choose policy tenure of 3.5 months, 6.5 months and 9.5 months.
  • Reduced waiting period: This policy has a waiting period of only 15 days.
  • Wider age limit: Anyone aged between 18 years to 65 years can avail the benefit of this policy.
  • Lump-sum payout: If the policyholder has a positive diagnosis for Covid-19 from a government-authorised centre and is hospitalised for a minimum of 72 hours, they get a 100% payout of the insured sum.
  • No pre-medical screening: This policy does not require any pre-medical screening.
  • Tax-benefits: The policyholder can avail tax-benefits on the paid policy premium as per Section 80C of the Income Tax Act.
  • Vast hospital network: Around 11,000+ hospitals are associated with Star Health Insurance. This gives you the convenience of choosing a Star network hospital nearby in times of need.

Expenses not covered under the Corona Rakshak Policy:

    The Corona Rakshak Policy tries to cover most of the expenses related to positive Covid-19 diagnosis. However, like every medical insurance, this too has some exclusions. Read on to know more:

  • The claims made on COVID-19 diagnosed before the policy commenced or before the waiting period of 15 days.
  • The claims made for less than 72 hours of hospitalisation are not considered.
  • The claims made for COVID-19 detected at testing centre not authorised by the government.
  • The policyholder is not entitled to coverage if he/she travels to a foreign country restricted by the Indian government or treatment or diagnostics outside India.

Points to consider before buying the Corona Rakshak Policy:

    It is important to consider multiple factors before buying an insurance policy. The policy should align with your family's needs as well as financial goals. To ease the process, we have listed out a few points to consider:

    • Choose the right insured amount: The main objective of buying a policy is to cover all the medical expenses without putting a strain on your pocket. That is why, you should choose an insurance amount based on your healthcare requirements, age, medical history, etc.
    • Easy access to cashless treatment: Choose an insurance provider which has a spread-out network of hospitals avoid hassle at times of need. The Star group has collaborated with 11,000+ hospitals which makes it easy for policyholders to easily access quality treatment.
    • Insure the young: Everyone is susceptible to COVID-19. Thinking that the younger generation has better immunity and does not require insurance, may be incorrect.

    FAQs

    1. Can the Corona Rakshak Policy premium be paid in installments?

      No, since the Corona Rakshak Policy is a short-term coverage plan and has an only one premium, you need to pay it all at once.

    2. Are my medical check-up expenses covered in the Corona Rakshak Policy?

      If the policyholder is diagnosed COVID-19 positive from a government-authorised testing centre and is hospitalised for 72 hours or more, then all the expenses including medical check-up bills are covered under this policy.

    3. Can I insure my whole family with the Corona Rakshak Policy?

      The Corona Rakshak Policy is an individual benefit policy, i.e., one policy will cover a single individual. To cover your whole family, you may consider buying individual Corona Rakshak policies for them.

 5.0 / 5.0   by 3 users
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Customer Reviews

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  • Star Health
    "Good policy "
    0.5 3.0/5 "Satisfactory"
    I taken a health insurance from STAR HEALTH on last 6 months back which was taken via online. It covers my whole family of 3 members for the total amount of 5. The premium amount need to pay of 12K. The tenure period of 1 year. I have not used this card much. I haven't done any claim yet.
    Was this review helpful? 3
    , bangalore
    Reviewed on Mar 20, 2020
  • Bajaj Allianz
    Bajaj Allianz
    "Good policy "
    0.5 4.0/5 "Great!"
    I have taken a health insurance policy from Bajaj Allianz which was taken for my mother. Policy coverage value was Rs. 1L and the premium its a one time payment, i got a offer because i am maintain CREDIT SCORE good. Still there is a no claim and i paid 3 years back, during renewal time i am not getting any calls from insurance company. This policy covers 200 hospital 30-50% in all hospital can get a claim.
    Was this review helpful? 3
    , bangalore
    Reviewed on Mar 20, 2020
  • Care Health Insurance Limited
    "Good insurance company "
    0.5 5.0/5 "Blown Away!"
    My personal need I taken health insurance from RELIGARE on 2 years back. Actually my previous company taken health insurance got lapse, hence for better option I continued with same need to pay the premium of 5K. It covers up to myself. The coverage amount of 5L, since there is no claim yet I got bonus of 10% so as of now 5.5L. They tied up with many hospitals and cash less treatment is applicable.
    Was this review helpful? 6
    , bangalore
    Reviewed on Mar 19, 2020
  • Max Bupa
    "Good policy"
    0.5 4.0/5 "Great!"
    This is an individual policy, cover fro myself and this is from Max Bupa. Yearly i am paying premium of Rs. 3000 and the coverage value of Rs. 5L and still there is a no claim. Every year i am getting 5% no claim bonus and this is a life long policy. Its a tax benefit plan for major and listed hospitals can avail a cash less, if non listed have to pay then we can reimburse.
    Was this review helpful? 8
    , chennai
    Reviewed on Mar 19, 2020
  • Royal Sundaram
    "Good insurer"
    0.5 4.0/5 "Great!"
    My employer has given me a health insurance policy from ROYAL SUNDARAM and they have provided me a coverage amount of Rs. 3L. It covers myself and my spouse are covered in this policy.The premium amount need to pay of 7.5K on yearly basis. They have a cashless facility with many hospital.
    Was this review helpful? 2
    , chennai
    Reviewed on Mar 19, 2020
  • Star Health
    "Excellent service"
    0.5 5.0/5 "Blown Away!"
    I have taken health insurance from STAR HEALTH on last year for my personal use, it covers my whole family of 4 members. The sum average value is 5L. I am renewing the policy by paying the premium amount of 14K on yearly. Many hospitals are tied with them and they provide cashless treatment as well.
    Was this review helpful? 4
    , rajahmundry
    Reviewed on Mar 18, 2020
  • Star Health
    "Average "
    0.5 3.0/5 "Satisfactory"
    For my personal purpose, I have taken a health insurance from TATA AIG on 3 years back. On yearly, I use to renew the policy which I need to pay the premium amount of 20K via online. It covers up to myself. The sum assured amount is 2.4L. They tied up with limited hospitals only and there is no cashless treatment.
    Was this review helpful? 3
    , bangalore
    Reviewed on Mar 18, 2020
  • Oriental Insurance
    "Good policy "
    0.5 5.0/5 "Blown Away!"
    My company provides me a health policy from ORIENTAL insurance and this is a group insurance. Annual premium i am paying Rs. 4840 and still there is no claim and the coverage value is Rs. 2 lakhs. During the renewal time, i use to get reminder call from the support team.
    Was this review helpful? 3
    , kolkata
    Reviewed on Mar 16, 2020
  • review
    "Need online service "
    0.5 5.0/5 "Blown Away!"
    I am paying about Rs. 20k yearly for health insurance to PARAMOUNT. This is group policy and the coverage of Rs. 10L since 5 years i am using this health insurance. I went for a claim which was reimbursed. The main factor is they are asking lots of documents which they need to make it simple.
    Was this review helpful? 2
    , thane
    Reviewed on Mar 15, 2020
  • Bajaj Allianz
    "Okay"
    0.5 4.0/5 "Great!"
    I have received the Bajaj Allianz mediclaim policy from Bajaj Finserv on EMI basis. Cashless facility is available and am paying Rs.640 for a month. This policy is not available in the market. I wish if their executive were more polite and helpful. Its a self policy which covers 5L. Am renewing this policy from last 3years.
    Was this review helpful? 3
    , kochi
    Reviewed on Mar 15, 2020
  • Star Health
    "Good "
    0.5 5.0/5 "Blown Away!"
    Health insurance policy which i have taken from STAR HEALTH and this is a family floater policy. I am using since 4 years still there is no claim and this insurance will cover all types of critical illness. Annually i am paying premium Rs. 13000 and its a Tax benefit policy.
    Was this review helpful? 3
    , bangalore
    Reviewed on Mar 14, 2020
  • ICICI Lombard
    "Good policy"
    0.5 4.0/5 "Great!"
    ICICI offered me a health insurance and this is a group policy which covered for Rs. 4L. This insurance will cover all types of critical illness and day care treatment, still there is no claim with ICICI Lombard. I can avail cashless treatment with the listed hospitals.
    Was this review helpful? 4
    , hyderabad
    Reviewed on Mar 14, 2020
  • United India
    "Best policy "
    0.5 5.0/5 "Blown Away!"
    From United India Insurance, i have taken a health insurance. This is a group insurance and i am paying premium per annum Rs. 4900. This policy covers all critical illness and there is a no age criteria, I can use this policy for life long. It covers Tax benefit under sec 80D also network of hospitals are good.
    Was this review helpful? 0
    , kolkata
    Reviewed on Mar 13, 2020
  • United India
    "Good"
    0.5 4.0/5 "Great!"
    This is a group health policy which was taken through TATA AIG and the coverage value of Rs. 3L. I am paying premium yearly Rs. 6000. Its been one year and still there is no claim and this policy covers day care treatment and this can be used till life long.
    Was this review helpful? 0
    , bangalore
    Reviewed on Mar 13, 2020
  • Apollo Munich
    "OKAY"
    0.5 5.0/5 "Blown Away!"
    From Apollo Munich, i have taken a health insurance and this is a joint policy. The policy coverage value is Rs. 5L for a life long. I am paying the premium yearly Rs. 16k and still there is no claim on this policy. It covers all network of hospitals.
    Was this review helpful? 2
    , indore
    Reviewed on Mar 13, 2020
  • Star Health
    "WORST and WORST"
    0.5 0.5/5 "Unacceptable"
    Star health and Allied insurance cheaters don't go with this policy they are looting people worst and worst there are corporate beggars- frauds ,corporate beggars- frauds ,corporate beggars- frauds ,corporate beggars- frauds ,corporate beggars- frauds
    Was this review helpful? 16
    , bangalore
    Reviewed on Mar 12, 2020
  • Star Health
    "Nice Policy"
    0.5 4.0/5 "Great!"
    From my company side, they have provided me a health insurance from TATA AIG. I can do a cashless treatment facility in a network hospital hence i have fixed the appointment also. This policy covers only for myself. They have given me a coverage value of Rs. 3 lakhs. I don't have any claim experience till now.
    Was this review helpful? 0
    , chennai
    Reviewed on Mar 12, 2020
  • Star Health
    "Good products at affordable right pricing"
    0.5 4.0/5 "Great!"
    I love the way they communicate everything. Inclusions and exclusions were explained in a right way to help me choose right product at right pricing. i got a healthcare for my whole family without burning a hole in my pocket. recommended to all
    Was this review helpful? 0
    , mumbai
    Reviewed on Mar 11, 2020
  • Star Health
    "Good "
    0.5 4.0/5 "Great!"
    My friend has suggested to apply health insurance, so for my personal need I had taken a health insurance from STAR HEALTH on 10 months before. They tied up with many hospitals and it covers all city. There is cash less treatment and the policy includes 4 family members, need to pay the premium amount of 12K on yearly basis.
    Was this review helpful? 1
    , chennai
    Reviewed on Mar 10, 2020
  • review
    "Good"
    0.5 5.0/5 "Blown Away!"
    My health insurance policy is running with Aditya Birla Health Insurance. This is a family floater policy and i am paying premium around Rs. 14k yearly. Still there is no claim and this insurance covers all network of hospitals. This policy has some TAX benefits.
    Was this review helpful? 0
    , lucknow
    Reviewed on Mar 09, 2020
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