Star Micro Rural and Farmers Care

Star Micro Rural and Farmers Care

Healthcare is the most significant wealth for people in all professions, mainly rural populations, where access to quality healthcare can be challenging. For farmers, who play an essential role in the economy, it might be difficult for some of them to spend on their health needs while having a lower bank balance after they spend on their agricultural needs. The right way to meet the healthcare needs of farmers is to select a suitable health insurance policy.

According to the United Nations Food and Agriculture Organisation (FAO), nearly 70% of India's population depends on agriculture, prioritising farmers' healthcare.

Star Micro Rural and Farmers Care is an innovative insurance policy tailored by Star Health and Allied Insurance to provide affordable health coverage to farmers and rural people. It ensures financial security against medical costs like hospitalisation, daycare procedures, surgery, modern treatments, or AYUSH treatments (Ayurveda, Yoga, Unani, Siddha, and Homoeopathy). This policy covers rural households and is available individually and as a floater.

What is the Star Micro Rural and Farmers Care?

Star Micro Rural and Farmers Care is a policy mainly made for farmers and rural people to help them efficiently meet their hospitalisation expenses due to accidents or illnesses. This policy covers the health needs of farmers and their family members. This policy’s eligibility is for the age group of 18 to 65 years and dependent children from 12 months to 25 years. The farmer's family covered in this plan includes the farmer, the farmer's spouse, and only up to two dependent children. This plan ensures that farmers and rural individuals can access quality healthcare without any worry.

Star Micro Rural and Farmers Care policy offers a sum insured of 1,00,000 for individuals and 2,00,000 for floater plans, covering all the necessary medical expenses. It is specially designed to meet the healthcare needs of rural populations by offering them cashless hospitalisation at network hospitals and hassle-free reimbursement options for non-network hospitals.

Benefits of Star Micro Rural and Farmers Care

As per the micro rural and farmers care eligibility, one can avail of the Star micro rural and farmers care benefits. The benefits of this policy are given below:

Hospitalisation Expenses

•       Room, boarding, and nursing charges (up to 1% of the sum insured daily).
•       ICU charges, operation theatre bills, blood transfusion, oxygen, and medication costs.
   

Pre and Post-Hospitalisation Costs

•       Medical costs received up to 30 days before hospitalisation and 60 days after discharge.
   

Surgical Costs
 

•       Surgeons, medical practitioners, consultation, and specialist fees are covered.
  
   

Daycare Procedures

• Coverage for medical expenses that require hospitalisation for less than 24 hours.
• Modern treatments such as robotic surgeries, oral chemotherapy, and stem cell therapy are covered with sub-limits.
   

AYUSH Treatments

•  Provides coverage for treatments under Ayurveda, Unani, Siddha, and Homoeopathy (AYUSH) in recognised hospitals.
   

Cataract Treatment

• The expenses covered Rs. 10,000 per eye and Rs. 15,000 per policy period.

Star Micro Rural and Farmers Care Eligibility Criteria

To avail of this policy, individuals must meet the Star Micro Rural and Farmers Care eligibility criteria:

• Adults: Individuals aged 18 to 65 years can opt for this policy.
• Dependent children: Children aged 12 months to 25 years can be insured under the plan.
• Families: The family floater option covers self, spouse, and up to two dependent children.
• Star Health Rural Policy Eligibility Pin code: This policy is open to rural and semi-urban areas in India. To check the Star Health Rural Policy eligibility pin code, visit Star Health's official website.

Coverage and Sum Insured Options

Premium Chart

Co-Payment Clause and Waiting Period: Before purchasing any policy, checking the co-payment and waiting period is necessary.

Co-Payment Requirement: A 20% co-payment is applicable for individuals aged 61 years and above at the time of policy entry.

The Waiting Period for Pre-existing diseases is covered after 6 months of continuous policy renewal. However, a 30-day waiting period applies for specific diseases.

Key features of Star Micro Rural and Farmers Care

• Budget-Friendly Premiums: This policy is affordable, ensuring maximum coverage at minimal costs.
• Flexible Sum Insured Options: It is available at Rs. 1,00,000 for individuals and Rs. 2,00,000 for family floaters.
• No Pre-Acceptance Medical Screening: Farmers can buy Star Micro Rural and Farmers Care without any medical screening.
• Modern Treatments: Star Micro Rural and Farmers Care also offer modern treatments (especially balloon sinuplasty, deep brain stimulation, robotic surgeries, oral chemotherapy, and more).
• Payment plans: Premium can be paid quarterly, half-yearly, or annually.

Documents Required:

1. Identity proof (Aadhaar, PAN, or Voter ID)
2. Address proof
3. KYC details for claim settlement
4. 2 Passport-size photos.
    

Access to rural health insurance has been a significant hurdle due to affordability and lack of awareness. Star Health Rural Policy reduces the gap by offering financial security and ensuring quality healthcare. With agriculture being a primary occupation, the need for health insurance for farmers in India is obvious. This policy provides a good solution, ensuring that farmers and their loved ones can get the essential healthcare they need.

Why Select Star Health Rural Policy?

There are numerous reasons for individuals to purchase the Star Health Rural Policy. This policy is affordable, comprehensive, and budget-friendly health insurance for farmers in India. It is specially designed for rural residents.

Some of the reasons listed below are why farmers should consider this policy:

1. Extensive Coverage: Covers all the hospital-related expenses like surgeries, ICU charges, and modern treatments. 
2. Specially Designed for Farmers: It entirely focuses on the rural population.
3. Cost-effective Premiums: Tailored for rural families, ensuring affordability.
4. Cashless Treatment: Provides cashless treatment in-network hospitals.
5. Hassle-Free Claims Process: Offers smooth and cashless hospitalisation at network hospitals in India.
    

Exclusions in the Star Micro Rural and Farmers Care

Though many Star micro rural and farmer care benefits are available under our policy, a few expenses are not covered. The expenses excluded from this policy are given below:

1. It will not cover the expenses for treating congenital anomalies and defects.
2. The charges related to the admission solely for evaluation and investigation purposes will not be included.
3. Expenses incurred from participation in hazardous or adventure sports will not be covered.
4. Treatment of any illness arising during the initial 30-day waiting period
5. The charges due to the admission for the rest cure, respite care, and rehabilitation are excluded.
6. The surgical treatment expenses for obesity are also excluded.

Conclusion

Star Micro Rural and Farmers Care is a great initiative that guarantees that farmers and their loved ones can obtain quality healthcare without stress. With its low premiums and smooth claim process, this policy is a lifesaver for rural families, ensuring they get quality healthcare without financial distress.

Secure yourself and your family today with the Star Health Rural Policy.