Star Novel Coronavirus (nCOV) (COVID-19) Insurance Policy

Corona Virus also known as COVID-19 has become a pandemic and has affected global markets and forced governments to lockdown the movement of their citizens. In India one of the questions that is being asked is whether people suffering from Corona Virus be provided coverage in case they are diagnosed with the disease. 

While insurance companies in India are contemplating a plan of action, Star Health Insurance is the only insurance company currently to offer its customer coverage in case they are diagnosed with Corona Virus. 

Star Health Insurance has introduced Star Novel Coronavirus (nCOV) (COVID-19) Insurance Policy which provides coverage to those who have been diagnosed with the disease and have been hospitalised.  

Advantages of availing Star Novel Coronavirus (nCOV) (COVID-19) Insurance Policy 

Some of the advantages of availing this insurance policy are: 

  • There is no need of a third-party administrator. All the claims are settled by the insurance company and the coverage amount is directly paid to the insured 
  • Faster and hassle-free claim settlement 
  • Cashless facility available 

Eligibility criteria 

Given below is the eligibility criteria you will have to fulfil in order to avail this health insurance policy: 

  • The minimum and maximum age of eligibility is 18 years and 65 years respectively 
  • Children aged between 3 months and 25 years can be provided coverage along with any one of the parents under the policy 
  • Policy will be issued on individual sum insured basis only 
  • One person can avail only one policy from the insurance company 

Features of Star Novel Coronavirus (nCOV) (COVID-19) Insurance Policy 

Given below are the features of Star Novel Coronavirus (nCOV) (COVID-19) Insurance Policy: 

Policy Term  1 year 
Sum insured option  Rs.21,000 and Rs.42,000 
Sum insured basis  Individual basis 
Pre-acceptance medical screening  No pre-acceptance medical screening required 
Premium applicable  Rs.459 + GST, and Rs.918 + GST 

Other benefits of Star Novel Coronavirus (nCOV) (COVID-19) Insurance Policy 

Some of the benefits of Star Novel Coronavirus (nCOV) (COVID-19) Insurance Policy are given below: 

Benefit  The insurance company will pay the sum insured provided you fulfil the criteria given below: 
  • The insurer will pay the sum insured only if you are hospitalised and provide a report clearly mentioning you being tested positive for the disease from an authorised government center 
  • The insurance policy will cease upon the payment of lump-sum amount 
Waiting period  16 days 
Free-look period  15 days from the date of the receipt of the policy 
Renewal  This policy is currently offered on a pilot basis. The option to renew the policy will be applicable till the time the policy is being offered 
Cancellation  You can cancel your policy following which you will be given your refund. The company may retain a percentage of your premium depending on the situation given below:   
Period on risk  Percentage of premium retained 
Up to 3 months  85% of the policy premium 
Exceeding 3 months  Full policy premium 
Tax benefits  Tax benefits under Section 80-D of the Income Tax Act 
Prohibition of rebates  No rebates allowed under Section 41 of Insurance Act 

Claim procedure 

The person who has filed a claim will have to submit all the necessary documents within 15 days of the notification of the claim. The documents you will have to submit are given below: 

  • The claim form duly filled and signed 
  • The diagnostic test clearly mentioning the patient tested positive for Covid-19 
  • Copy of Aadhaar Card or any government issued document 

Exclusions 

Given below are the list of exclusions that is the situations under which the company will not be liable to make any payments under the policy: 

  • If there is no in-patient hospitalisation regardless of whether the patient has been quarantined or not 
  • The company will not provide any coverage to the patient for any illness or disease except Coronavirus 
  • Any claim made with respect to the disease contracted or manifested is prior to the commencement date of the policy or the waiting period 

Hence, if you doubt that you may have contracted the disease or is likely to do so, then it is recommended you avail this policy. This policy will also cover you if you have traveled abroad and is likely to be tested positive for Coronavirus. You can visit the official website of Star Health Insurance to know more about the policy and apply for it. 

 4.5 / 5.0   by 770 users
Used this product? Write a review >>

Cashless Treatment

Customer Service

Medical Coverage

Claim Experience

Display of any trademarks, tradenames, logos and other subject matters of intellectual property belong to their respective intellectual property owners. Display of such IP along with the related product information does not imply BankBazaar's partnership with the owner of the Intellectual Property or issuer/manufacturer of such products.

Customer Reviews

Page 1 of 39 1 2 3 4 5
  • Star Health Health Insurance
    "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? 2
    , bangalore
    Reviewed on Mar 20, 2020
  • Star Health
    Star Health Health Insurance
    "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? 2
    , rajahmundry
    Reviewed on Mar 18, 2020
  • Star Health Health Insurance
    "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? 1
    , bangalore
    Reviewed on Mar 14, 2020
  • Star Health Health Insurance
    "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? 2
    , bangalore
    Reviewed on Mar 12, 2020
  • Star Health Health Insurance
    "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 Health Insurance
    "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
  • Star Health Health Insurance
    "Best policy "
    0.5 5.0/5 "Blown Away!"
    This is a family floater policy covers for Rs. 3L and i have taken a health insurance from STAR HEALTH any one can go for claim. I am holding this policy since 3 years and i went for claim and the process was smooth and i got a cash less treatment provided 24 hrs hospitalization.
    Was this review helpful? 2
    , pune
    Reviewed on Feb 29, 2020
  • Star Health Health Insurance
    "Best policy"
    0.5 4.0/5 "Great!"
    I am using health insurance from STAR HEALTH for more than a years. This is a family policy, it covers for Rs. 5.50L and i am paying annual premium of Rs. 7000. This is a life long policy and still there is no claim. This insurance covers all critical illness & day care treatment. I am getting 100% claim settlement and this insurance covers all network of hospitals.
    Was this review helpful? 0
    , mumbai
    Reviewed on Feb 19, 2020
  • Star Health Health Insurance
    "Best policy"
    0.5 5.0/5 "Blown Away!"
    I have taken a health insurance from STAR HEALTH and this is a company policy, i can use this policy till am working here. This is a family policy, i am using this plan more than 5 years. Every month, they will deduct of Rs.1400 as a premium. Still there is no claim, customer service was good.
    Was this review helpful? 1
    , bangalore
    Reviewed on Feb 15, 2020
  • Star Health Health Insurance
    "Good"
    0.5 4.0/5 "Great!"
    I have taken a health insurance policy from Star Health 3 months back and this is a group policy, which covers my family members. The coverage value was Rs. 7.50L and annual premium, i am paying Rs. 14k. Still there is no claim and they cover all network hospitals and also it includes critical illness.
    Was this review helpful? 0
    , kolkata
    Reviewed on Feb 13, 2020
  • Star Health Health Insurance
    "Good "
    0.5 5.0/5 "Blown Away!"
    My employer has given me a health insurance policy from STAR HEALTH on 5 years back and they have provided me a good coverage amount. Myself and my wife are covered in this policy. Still now I haven't done any claims. On yearly basis premium will be auto debited from my salary account. I do know all terms and condition about this policy.
    Was this review helpful? 0
    , chennai
    Reviewed on Feb 03, 2020
  • Star Health Health Insurance
    "Good policy"
    0.5 5.0/5 "Blown Away!"
    The best policy in the market and for the health benefit purpose also i have taken the health insurance from Star. My entire family has been covered on this policy with the coverage value of Rs. 5 lakhs. I'm paying the premium amount of Rs. 11000. Since i have not applied any claim, they have provided me a no claim bonus as well.
    Was this review helpful? 0
    , kolkata
    Reviewed on Jan 30, 2020
  • Star Health Health Insurance
    "Best health policy"
    0.5 5.0/5 "Blown Away!"
    I have taken a health insurance policy from Star Health. This is a family policy which covers for 3L. This insurance will cover all network hospitals, still there is a no claim. I am paying premium Rs. 9600 and also i am enjoying Tax benefit. This is a life long policy.
    Was this review helpful? 0
    , coimbatore
    Reviewed on Jan 30, 2020
  • Star Health Health Insurance
    "Good health insurance provider"
    0.5 3.5/5 "Pretty good"
    For past 2 years, i have been renewing the health insurance from Star company. Comparing to other health insurance provider, their service is good and they have a more branches all over India. They have provided me a coverage value of Rs. 3 lakhs and this policy covers for my entire family. They haven't provide any no claim bonus when i enquired about the same, they said they will increase the coverage value after 3 years.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Jan 25, 2020
  • Star Health Health Insurance
    "Good Policy"
    0.5 5.0/5 "Blown Away!"
    This year i had done a claim for the operation of my wife. When i have submitted the paper for post hospitalization expenses till now i didn't get the claim but i got the cashless treatment facility in the hospital. From Star, i got the health insurance because the agent came to my place and convinced me to take the policy.
    Was this review helpful? 0
    , kolkata
    Reviewed on Jan 25, 2020
  • Star Health Health Insurance
    "Good service"
    0.5 4.5/5 "Excellent!"
    My cousin has told that the claim experience from STAR HEALTH was good and he got about 97% amount. I have taken insurance on 2 years before. Yearly use to pay of 12K. Before I was paying premium amount of 10K now they have increased depends on the age. It covers whole family. They have tied up with many hospitals. So far I have not done any claim.
    Was this review helpful? 0
    , bangalore
    Reviewed on Jan 20, 2020
  • Star Health Health Insurance
    "Good Insurer"
    0.5 5.0/5 "Blown Away!"
    For my personal use, I had taken a health insurance from STAR HEALTH on 2.5 years back. Yearly I use to pay amount of 10,100 rupees with GST. They have tied up with many hospitals. Sum assured of 10L. It covers myself and spouse. It is useful for Tax benefit.
    Was this review helpful? 0
    , chennai
    Reviewed on Jan 16, 2020
  • Star Health Health Insurance
    "Excellent Service"
    0.5 5.0/5 "Blown Away!"
    I have taken a Health insurance from Star health before 8 years as there have more network hospitals for cashless treatment in my area. I am paying Rs.18,000 as the annual premium through online. Total coverage is 4 lakhs for my family. I will get notification regarding the payments. I have opted for cashless treatment it cover complete bill amount except the disposable product.
    Was this review helpful? 1
    , kochi
    Reviewed on Jan 13, 2020
  • Star Health Health Insurance
    "Not Good Experience"
    0.5 0.5/5 "Unacceptable"
    Have applied for Family plan & honestly informed then 3 moths before my boy was admitted for 2 days for viral infection and provided doctor medical fitness certificate, but they denied policy claim. Please go for other customer friendly policy.
    Was this review helpful? 1
    , pune
    Reviewed on Jan 11, 2020
  • Star Health Health Insurance
    "Good health insurance policy"
    0.5 4.0/5 "Great!"
    For past 4 years, i have been renewing the health insurance policy with Star health. From my company they have provided me a policy which covers for myself. I can claim upto Rs. 3.5 lakhs. So far i have done the claim twice and it took 1 month to process. They have covered upto 60% on my medical expenses.
    Was this review helpful? 0
    , bangalore
    Reviewed on Jan 08, 2020
Common Loader Icon
Page 1 of 39 1 2 3 4 5
reTH65gcmBgCJ7k
This Page is BLOCKED as it is using Iframes.