Star Micro Rural and Farmers Care
IRDAI UIN: SHAHMIP22038V032122
HIGHLIGHTS
Plan Essentials
Rural Policy
Specially designed policy for farmers and rural people to meet their hospitalisation expenses due to accident or illness.
Sum Insured
People from rural areas can select Sum Insured options of Rs. 1,00,000/- for Individual and Rs. 2,00,000/- for Floater plan.
Flexible Policy
This policy is available on either Individual or Floater basis for people aged between 18 and 65 years. A Floater plan comprises self, spouse and up to two dependent children (12 months to 25 years).
Day Care Procedures
Medical treatments and surgical procedures that require less than 24 hours of hospitalisation due to technological advancements are covered.
PED Cover
Pre-Existing and Specific Diseases are covered after the waiting period of six months.
Medical Examination
Pre-insurance medical screening and examinations are not required for this policy.
Instalment Options
Policyholders can pay their premiums either on a quarterly or half-yearly basis.
Policy Type
This policy can be availed either on an Individual or Floater basis.
DETAILED LIST
Understand what’s included
IMPORTANT HIGHLIGHTS
Policy TermThis policy can be availed for a term of one year. |
Entry AgeAny person aged between 18 and 65 years can avail this policy. Under the Floater basis, up to 2 dependent children aged between 12 months and 25 years are covered. |
In-patient HospitalisationHospitalisation expenses incurred for a period of more than 24 hours on account of illness, injury or accidents are covered. |
Room RentRoom, boarding and nursing expenses are covered up to 1% of the Sum Insured per day. |
ICU ChargesICU charges at actuals are covered under this policy. |
Day Care ProceduresMedical treatments and surgical procedures that require less than 24 hours of hospitalisation due to technological advancements are covered. |
Modern TreatmentModern treatment expenses are payable up to the limits mentioned in the policy clause. |
Co-paymentThis policy is subjected to a Co-payment of 20% of each and every admissible claim amount, for fresh as well as for the policies subsequently renewed for insured persons whose age at the time of entry into this policy is 61 years and above. |
Cataract treatmentCataract treatments are covered up to Rs. 10,000/- per eye and up to Rs. 15,000/- per policy period. |
Instalment OptionsPolicyholders can pay their premiums either on a quarterly or half-yearly basis. It can also be paid annually. |
Lifelong RenewalThis policy offers a lifelong renewal option. |
Please refer to the Policy Documents to know the policy details and Terms & Conditions.
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