Star Micro Health Insurance Policy for Rural Areas

Eligibility age

Minimum age - 5 months

Maximum age - 65 years

Basis

Individual and group basis

Premiums

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.