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  • Star Micro Health Insurance Policy for Rural Areas

    Star Health Insurance

    This is a micro health insurance product that caters to individuals from rural areas, when they are hospitalized due to an illness or an accident. The policy includes an accident and hospitalization cover. The insurance will cover the expenses of individual insured if he/she is not able to work or have normal employment due to a permanent disability caused by an accident. In case the insured needs coverage for hospitalization then, he/she will need to be in the in-patient care for at least 3 days.

    Features and Benefits of Star Micro Health Insurance Policy:

    Here are some of the features and benefits of this plan:

    Eligibility age

    Minimum age - 5 months

    Maximum age - 65 years

    Basis

    Individual and group basis

    Premiums

    Age

    Premium per annum (Sales tax extra)

    5 to 25 years

    Rs. 275

    26 to 35 years

    Rs. 350

    36 to 45 years

    Rs. 425

    46 to 50 years

    Rs. 500

    Discounts

    All group policies will receive a discount of 5% for a group exceeding 100 members

    Renewal conditions

    • Renewal of this policy will be lifelong on payment of premium before the due date.
    • A 30 day grace period will be provided for renewing the policy.

    Coverage under this policy

    • In-patient treatment and expenses for minimum of 24 hours.
    • Hospitalization expenses not exceeding Rs. 15,000.
    • Emergency ambulance service up to Rs. 350 to a maximum of Rs. 1,000 per policy period.
    • Charges for consultant fees, specialist fees, Surgeon, Anesthetist, etc. up to a maximum of Rs. 4,500 per hospitalization.
    • Cost of all drugs and medications, diagnostic charges, pacemakers, blood, etc, up to a maximum of Rs. 4,500 per hospitalization
    • Total expenses up to a maximum of Rs.15,000/- per hospitalisation and maximum of Rs.30,000/- per policy period.
    • Room charges, boarding and nursing expenses up to a maximum of Rs.150 per day and a maximum of Rs.5,000 per hospitalisation.

    Exclusions that are not part of the policy

    • Non-allopathic treatment
    • Treatment that is conducted outside the country.
    • Cosmetic surgery, Circumcision and Sex change surgery.
    • Registration charges of the hospital, charges towards admission, and other charges like telephone charges, record charges etc.
    • Self-inflicted injury which is of intentional nature will not be covered
    • Any illnesses due to the use of drugs or alcohol, etc.
    • Congenital defects and diseases.
    • Terror attacks, war and nuclear peril related treatments.
    • Pregnancy, infertility expenses.
    • Diagnostic and investigation purposes hospitalization.

    Waiting period

    • Pre-existing diseases will have a 48 months waiting period.
    • Any medical ailments contracted within 30 days of commencement of policy.

    Benefits

    • 24 hour helpline for assistance
    • ID number provided as reference
    • Treatment in non-partner hospitals will be reimbursed based on submission of all medical documents.
    • Cashless facility available in network hospitals.

    Disclaimer: Please read the terms, conditions and exclusions mentioned in the policy document before taking the policy.

    Other Health Insurance Plans from Star Health:

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