Star Micro Health Insurance Policy for Rural Areas

Eligibility age 

Minimum age - 1 year Maximum age - 65 years 

Renewal conditions 

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

Coverage under this policy 

1. Room, boarding, and nursing expenses of up to 1% of the sum insured per day. 
2. Surgeons, Anasthetist, Medical Practitioner, and Consultants 
3. Anesthesia, blood, oxygen, operation theatre charges, surgical appliances, medicines and drugs, diagnostic materials and X-ray, diagnostic imaging modalities, dialysis, chemotherapy, and more. 
4. Expenses incurred on Cataract treatment is limited to Rs.10,000 per eye and up to Rs.15,000 per policy period. 
5. All day care procedures. 

Exclusions that are not part of the policy 

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

Waiting period 

1. 6 months for pre-existing diseases. 
2. 6 months for specified ailments or diseases. 
3. 30 days waiting period (not applicable for accidents). 

Benefits 

1. Non-involvement of any third-party administrator 
2. Network of more than 9800+ hospitals across India 
3. Easy and hassle-free claim settlement. 
4. No pre-acceptance medical screening 
5. Cashless facility available in network hospitals