Star Care Health Insurance Plan: Benefits, Buy & Renew Online

Star Care Health Insurance Policy

Star Care Micro Insurance policy is a health insurance policy for you and your family. It has been odesigned to ensure health cover to people in both Tier 1 and Tier 2 cities. A perfect health plan for nuclear families in India, this plan can be renewed for lifetime to avail the benefits.

Even the modern treatments are covered under this plan, which further reduces the out-of-the-pocket expenses. Moreover, the applicants don’t need to provide medical records before making the purchase.

Eligibility Criteria

Individuals between the age group of 18years and 65 years belonging to the Tier 1 and Tier 2 places can get covered in Star care health insurance policy.
Dependent family members including spouse, children up to 25 years can be insured
Children can be covered from 2 years
After 65 years of age, the policy can be renewed for a life time

Inclusions of Star Care Health Insurance Policy

All room boarding and nursing expenses are covered up to Rs 750 per day
ICU charges are covered up to Rs 2000 and a maximum of Rs 10,000 per hospitalization. Other hospitalization charges like surgeon fees, anaesthetist, consultant and specialist’s fees, medical procedures and equipment fees, diagnostic tests, the cost of medicines and drugs are also covered
Ambulance charge is payable subject to maximum of Rs 500 per hospitalisation up to a maximum of Rs 1000 per policy period
Hospital cash benefits up to a maximum of Rs 1000 per day until a period of 14 days (government hospital). The maximum claimable amount is Rs 1,14,000
The policy also covers modern treatment expenses as mentioned in the policy wordings

Exclusions of Star Care Health Insurance Policy

Expenses related to any admission primarily for diagnostics and evaluation purposes only are excluded
Change-of-Gender treatments
Unconventional, untested, experimental therapies
Medical treatment of metabolic and endocrine disorders
Cost of spectacles, hearing aids, Cochlear implants walkers and crutches, wheelchairs
Naturopathy Treatment

Features and Benefits of Star Care Health Insurance Policy

Pre-Acceptance Medical Screening: Pre-policy medical screening is not required for the applicants
Daycare Treatment: 405 day-care treatments are included in the policy
Pre-Existing Diseases/Illness: They can be covered after 48 months of continuous Insurance cover and regular premium payments
Free-look Period- A free-look period of 15 days is provided in which the policyholder can decide to continue or discontinue the policy

Cancellation Policy:

Policy cancellation can be done by policyholder by giving 15 days written notice and the insurer shall refund the premium for the unexpired policy period as given in the table below:

Period on risk	Rate of Premium to be retained by the insurer
Up to 1 month	40% of annual premium
Up to 3 month	60% of annual premium
Up to 6 month	85% of annual premium
Exceeding 6 months	Full annual premium

FAQs

Q1. What are the benefits of buying Star care micro health insurance policy?

Ans:Star care health insurance policy is beneficial in meeting hospitalization, pre and post hospitalization charges, Ambulance charges, and modern treatments. Even the family members can be covered under the plan that makes it a suitable option for the Indian nuclear families.
Q2. Are pre-existing illnesses covered under Star care micro health insurance policy?

Ans:Yes, the policy covers any of the pre-existing diseases that the policyholder has after 48 months of continuous insurance cover.
Q3. Do I need to undergo pre-acceptance medical screening before purchasing Star care micro health insurance?

Ans:No, you need to provide any pre-medical tests to get insured under this policy.
Q4. How many daycare procedures are covered under Star care health insurance plan?

Ans:Star Health Insurance and Allied Insurance provides coverage for 405 listed daycare procedures and treatments.
Q5. Do I get tax benefits on the premium paid for Star care mediclaim policy?

Ans:Premium paid by any other mode other than cash for this star care health insurance is eligible for tax relief under Section 80D of the Income Tax Act
Q6. Are pre and post-hospitalization expenses covered under Care Micro health insurance by Star Health Company?

Ans:Yes, you can claim for 30 days of pre-hospitalization charges and 60 days of post-hospitalization charges.
Q7. Does Star care micro health insurance policy cover any of the modern treatments?

Ans:Yes, modern medical procedures are covered under the policy up to a specified limit.

Policybazaar exclusive benefits

30 minutes claim support*(In 120+ cities)
Relationship manager For every customer
24*7 claims assistance In 30 mins. guaranteed*
Instant policy issuance No medical tests*

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Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in

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