Star Micro Health Insurance Policy for Rural Areas

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 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 health insurance 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.

Find cashless network hospitals nearby: Star Health Network Hospitals

Also Read: Check Incurred Claim Ratio of Health Insurers

Also Read: Best Health Insurance Plans

Also Read: How to File a Claim with Star Health?

Other Health Insurance Plans from Star Health:

GST rate of 18% applicable for all financial services effective July 1, 2017.

Disclaimer: Premiums may vary depending upon factors like age, location and prevailing taxes/GST.

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