| The greater percentage of the Indian population lives in rural areas which have very limited healthcare facilities. The tragedy is when any illness or disease affects them there is no source of finance available to them to meet the expenses. This pushes them further into debt. A right solution therefore is a Health insurance which provides protection at affordable rates within their capacity to pay. Star's Micro Health insurance policy precisely fits into this requirement. |
| |
| Pre-Existing Diseases / Illness |
 |
Are covered after 48 months of continuous insurance with us |
|
| Top |
| Benefits |
|
Hospitalisation cover: In-patient hospitalisation expenses for a minimum of 24 hours. Includes room rent, boarding and nursing expenses with maximum limit of Rs.150/- per day subject to Rs.5000/- per hospitalisation |
|
Surgeon's fees, Consultant's fees, Anaesthetist's fees upto a maximum of Rs.4500/- per hospitalisation |
|
Cost of blood, oxygen, diagnostic expenses, pace-makers, artificial limbs, medicines and drugs, etc subject to a maximum of Rs.4500/- per hospitalisation |
|
Emergency ambulance charges for transporting the insured patient at Rs.350/- per hospitalisation and Rs.1000/- per policy period |
|
Total expenses payable under all heads are limited to Rs.15,000/- per hospitalisation and to Rs.30,000/- per policy period |
|
| |
| How much to pay |
| Age Band |
Premium (Exclusive of ST)
per annum (in Rs) |
| 5 - 25 Yrs |
275 |
| 26 - 35 Yrs |
350 |
| 36 -45 Yrs |
425 |
| 46 - 50 Yrs |
500 |
|
| |
| Tax Benefit |
|
Amount paid by any mode other than by cash for this insurance is eligible for relief under Section 80D of the Income Tax Act. |
|
| Top |
| What cannot be claimed? |
|
Any expenses incurred for treatment of illness / disease / sickness contracted by the Insured Person during the first 30 days from the commencement of the Micro Health policy |
|
First Year Exclusions- Hernia, Piles, Hydrocele, Congenital Internal disease/ defect, Sinusitis, Gall Stone / Renal Stone removal / treatment |
|
Second Year Exclusions - Hysterectomy, Cataract, Joint Replacement Surgery, Prolapsed Intervertebral Disc, Varicose veins / ulcers |
|
Naturopathy treatment |
|
Expenses, which are purely diagnostic in nature with no positive existence of any disease |
|
Expenses that are cosmetic in nature |
|
Expenses incurred for treatment by systems of medicines other than Allopathic shall be limited to 25% of Sum Insured, subject to a maximum of Rs.25,000/- in the entire policy period |
|
| Top |
| Claims Procedure |
|
Call the 24-hour helpline 1800 425 2255 for assistance |
|
Inform the ID number / policy number for easy reference |
|
In case of planned hospitalization, please inform 24 hours prior to admission into the hospital |
|
In case of emergency hospitalization, information to be given within 24 hours after hospitalization |
|
In non-network hospitals, payment must be made upfront and then reimbursement will be effected on the submission of documents. |
|
| Top |
| Star Advantages |
|
No Third Party Administrator; direct in-house claims settlement. |
|
Faster & hassle-free claim settlement. |
|
Cashless hospitalization. |
|
Network of more than 4900 hospitals across India |
|
24x7 Toll- free Helpline |
|
Free General Physician Consultation over phone. Doctors on duty 24x7. By quoting the policy number, any person can contact our Doctor on the toll - free number 1800 425 2255 for medical advices. |
|
Free Health magazines are issued to policy holders at regular intervals |
|
| |
| NOTE: The benefits and exclusions mentioned herein are only an outline of the policy. For complete details, please contact your nearest Star Health office. |
| |
| Top |
| |
