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Corona Rakshak Policy, Star Health and Allied Insurance Co Ltd.

Boost your immunity by adapting to healthy habits. Protect your savings from COVID 19 with Corona Rakshak Policy

Please visit the nearest Star Health Insurance branch for premium details


Claim payment

100% Lump-sum on positive diagnosis of COVID by Govt authorized centre.

Pre acceptance medical screening

No pre acceptance medical screening

Waiting Period

15 days

Sum Insured

Minimum of Rs.50,000/- to Maximum of Rs.2,50,000/- (in mulitples of Rs.50,000/-)

Policy term

3 ½ months, 6 ½ months and 9 ½ months (No Annual policy term)

Policy Type

Individual basis

In light of the coronavirus pandemic, Star Health Insurance continues its commitment to offering protection plans that not only provide crucial financial support but also encourage a wholesome approach to wellness.
Corona Rakshak is a popular individual benefit-based policy designed to support customers in the eventuality of being diagnosed as Corona positive. It is a short-term policy designed to pay out a lump sum amount if you are admitted to the hospital for at least 72 hours continuously, thus financially supporting you and your family when most needed. By taking the Corona Rakshak policy from Star Health Insurance, you can focus on your health and recovery without worrying about medical expenses disturbing your finances. 

What is Corona Rakshak Health Insurance?

Star Health Insurance Co. Ltd. offers Corona Rakshak Policy in line with the directives issued by the IRDAI. One of the biggest benefits of the Corona Rakshak policy is that it provides 100% of the Sum Insured as a payout upon a positive diagnosis of COVID-19. Corona Rakshak Health Insurance is a testimony to our commitment to support your financial needs during times of planned and unplanned medical and hospitalisation expenses.
Product typeIndividual
AgeAvailable for ages 18 to 65 years
Sum insured50k, 1L, 1.5L, 2L, 2.5L
Policy Period3 ½ months, 6 ½ months, and 9 ½ months
Eligibility18yrs to 65yrs
Coverage100% of Sum Insured if diagnosis confirms the presence of COVID-19 & requiring hospitalization for continuous 72 hours

Features of the Corona Rakshak Policy

In addition to hassle-free claims, you enjoy distinct benefits for choosing a Star health Insurance policy in the form of thoughtfully designed product features.
  • Single-Premium Payment 
    The Corona Rakshak policy comes with the benefit of a single premium payment as this is a short-term cover. 
  • Lump-sum payout
    Having the Corona Rakshak Health Insurance Plan by your side ensures that a positive COVID-19 diagnosis does not affect your income. You receive a 100% lump sum payment to ensure you have one less thing to worry about on your road to recovery. 
  • Choose your sum insured  
    The Corona Rakshak policy comes with the flexibility to choose your own sum insured. You can opt for a sum insured ranging from a Minimum of Rs.50,000/- to a Maximum of Rs.2,50,000/- (in multiples of Rs.50,000/-). The payout can be used for meeting expenses during Covid-19 related hospitalisation.  
  • Choose your tenure 
    Although, Corona Rakshak policy is a short-term plan, it offers options of policy durations of 3 ½ months, 6 ½ months and 9 ½ months (No Annual policy term).
  • Minimal waiting period 
    When time is of the essence, Corona Rakshak Policy can be a true protector. Hospitalization expenses for Coronavirus are covered under the policy after a waiting period of only 15 days.  
  • Age limit
    This policy aims to offer protection to as wider an audience as possible. Anyone between the ages of 18 to 65 is eligible to get protected under the Corona Rakshak policy.

Importance of Corona Rakshak Policy

If you think - “I don’t want Medical Insurance for Covid-19”, then you simply have to read on.  
  1. An intense second wave across the world has made it risky even to step out of homes increasing the vulnerability to Covid-19 infections.
  2. As a result of being unable to cope with the lack of resources and continuous lockdowns, young adults have reported depressive symptoms like stress and anxiety in 2021. 
  3. Covid-19 has hindered the Indian Economy and as a result, many are unable to cover even basic living expenses. Getting a medical insurance policy at this time ensures that at least a part of medical expenses will be taken care of. 
  4. A lesser-known fact is that covid-19 can not only affect one’s health during the course of the infection but also can have long-term effects requiring longer term treatment resulting in higher expenses. Again, a Mediclaim policy is the best protection against such expenses. 
  5. A surge in Medical costs due to additional sanitization and safety protocols is making treatments unaffordable for most people. A Mediclaim policy is the best foil to this situation. 
The world is rapidly changing - and it is not the way we planned.  
The stark realization is that, we may not be financially prepared for unexpected things of this magnitude. Better preparedness is the key. This is the time to take care of your own health and those around you. 
Living with the virus we have learned to arm ourselves with safety essentials like masks, gloves, face shields, sanitizers, etc, as a part of daily life. But is it enough? An important addition to must-have safety precautions is medical insurance too. It is the most appropriate backup plan against the novel coronavirus, ensuring you healthcare support in case you test positive.  
Having Corona Rakshak policy is the new essential in the new normal. It is just as vital as all the other safety measures needed to protect yourself in case the worst were to happen. When you choose Star Health Insurance, you choose to protect yourself and your loved ones with a medical insurance policy from the health insurance specialist of the country.  Star Health Insurance is committed to safeguarding the future of Indians. Our swift claims decisions processing ensures 90% of claims decisions are taken in less than 2 hours. Our large network hospital base of over 11000+, ensures that you are always close to a good quality healthcare service. Finally, our claims processing department is handled by doctors who are specialists in various fields. This ensures that you have been given only the right treatment by your treating doctor. 

Here is what the plan covers

  • Hospitalization of more than 72-hours
    A lump sum amount is paid out to you when hospitalization is prescribed and taken for more than 72 hours. 
  • Simple purchase process
    Simply reach out to a Star Health Insurance relationship manager or contact your closest branch to effortlessly buy your Corona Rakshak Policy.
  • No pre-medical Screening
    This plan that is built with your protection in mind requires no pre-medical screening process. Simply buy your policy and get protected after a waiting period of 15 days.
  • Tax Benefits
    You can enjoy tax benefits on the premium paid towards the Corona Rakshak health insurance policy under section 80D of the Income Tax Act 1961. 
  • Treatment at a conveniently located hospital 
    To ensure that you don’t have to travel too far for getting treatment during the time of distress, we have signed up more than 11,000+ network hospitals that offer cashless treatment.  
  • One-time premium payment 
    You only have to pay the premium once at the time of purchase, as the Corona Rakshak is a short-term cover. This gives you a no hassle experience of remembering the renewal dates of your policy.
  • Affordable protection 
    The Corona Rakshak policy comes with a short-term cover, hence the premium for it is more affordable than standard health insurance policies. 

A few costs not covered by the plan

Every medical insurance policy comes with certain exclusions – costs which are not covered. We try to keep such costs to a minimum. The Corona Rakshak policy offers wide-ranging coverage, however, the policy will not be able to compensate for the following: 
  • Claims made for COVID-19 that manifested before the policy commencement or claims made before the initial waiting period of 15-days.
  • Any hospitalization charges incurred for a less than 72 hours stay. 
  • Tests for COVID-19 that are not undertaken at a government-authorized center.
  • Coverage will stop if a person visits a country that has been restricted for travel by the Government of India or treatment or diagnostics outside India.

Differences between Corona Rakshak Health Policy and Corona Kavach Health Policy

Corona Rakshak policyCorona Kavach policy
Type of policyBenefit -based planIndemnity-type plan
Minimum hospitalization required72 hours24 hours
Type of coverindividual coverIndividual / Floater cover
Maximum Sum InsuredUp to Rs.2.5 lakhUp to Rs 5 lakh
Add-on benefitNILHospital daily cash

Buying the Corona Rakshak policy

Star Health Insurance remains committed to protecting the health of Indians in a convenient and affordable way. That’s why you will find every little detail about the Corona Rakshak Policy on our website along with its brochure and all policy terms. Once you are ready to buy the policy, you have to simply contact your closest Star Health Insurance branch and our advisor will take care of the rest. 

What factors should be considered before buying the Corona Rakshak policy 

We understand that buying a Covid-19 protection medical insurance policy can be confusing. To help make this process easy and simple, we have listed below the points to be considered. 
Perhaps, you’re not currently insured or maybe you’re looking for something more affordable. Whatever your situation, Star Health Insurance is always by your side. Here are a few tips to help you buy the right Corona Rakshak coverage depending on your unique priorities.
  • Pick the right sum insured
    Choose a sum insured option that you feel will sufficiently cover your medical expenses in an eventuality. Do consider the surging health care expenses and the rate of inflation while deciding how much coverage you need. A tip we can offer is to avoid opting for a low sum insured just to save on your premium. Your sum insured should always be based on your age, your healthcare requirements, and the number of people covered in your health insurance policy.
  • Cashless settlement
    Your main concern should be recovering or nursing a loved one back to health and not finding the hospital that offers the best treatment. So, choose a hospital with a wide network coverage. When you choose Star Health Insurance, you are opting for a network hospital base of 11,000+ which will ensure that you get good quality healthcare at a closer location. 
  • Start Young 
    Subsequent Covid-19 waves have shown that all age groups are susceptible to the virus. We suggest not wait too long to buy health insurance for Covid-19 protection.


Does Corona Rakshak cover Ayush treatment expenses?

No. The Corona Rakshak health insurance plan doesn't cover expenses related to Ayush prescribed treatment for COVID-19. It would be advisable to go for the Corona Kavach plan if you desire coverage for hospitalization and medical expenses related to Ayush prescribed treatment for COVID-19.

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