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Star Care Micro Insurance Policy

  •  Policy is available on Individual and  Floater basis in Tier I and Tier II places.
  •  Cover for pre-hospitalization and post hospitalization.
  •  Hospital Cash benefit if treatment taken in Government hospital.

IRDA/NL-HLT/SHAI/P-H/V.I/10/14-15 

Recharge Benefit

  • Room, Boarding, Nursing expenses at Rs.750/- per day (0.75% of the sum insured) - either private or shared accommodation.
  • ICU charges upto Rs.2,000/- subject to maximum of Rs.10,000/- per hospitalization.
  • Surgeon, Anesthetist, Medical Practitioner, Consultants, Specialist Fees, Anesthesia, Blood, Oxygen, Operation Theatre charges, Cost of Pacemaker, Cost of Medicine and drugs etc.
  • Ambulance charges for emergency transportation upto a sum of Rs.500/- per hospitalization and overall limit of Rs.1000/- per policy period.
  • Pre Hospitalisation expenses upto 30 days prior to admission in the hospital.
  • Post Hospitalisation expenses upto 60 days after discharge from the hospital. Medical expenses incurred upto 7% of hospitalization expenses subject to a maximum of Rs.3,000/-.
  • Hospital Cash: Benefit will be paid at the rate of Rs.1000/- per day of hospitalization subject to a maximum of 14 days, where the treatment is taken in Government Hospital. This will be paid only for covered surgeries done as in-patient, whether any claim is made on indemnity basis or not. Payment of claim under hospital cash benefit will not reduce the Sum Insured. With this, the effective maximum claimable amount becomes Rs.1,14,000/-.

   

Treatment for specific diseases/illness as detailed below:

Ailment

Limit of Indemnity per policy period

Medical Management (Major diseases)

Rs.15,000

Medical Management (other diseases)

Rs. 7,500

Cataract

Rs. 8,500

Accidental grievous injuries
(either surgery or medical management)

Rs.40,000

Major Surgeries

Rs.40,000

Other Surgeries

Rs.20,000

 

Where more than one person is covered on individual basis (not on floater basis) this limit shall mean limit per policy period per person.

Eligibility

Any person between 18years and 65 years of age, from Tier 1 and Tier 2 places in India, can take this insurance. This policy can be renewed during the whole life of the Insured Person.

General Terms

Pre-Existing Diseases/Illness:

Are covered after 48 months of continuous Insurance without break with any Indian Insurance Company.

 

Pre-Acceptance Medical Screening:

There is no pre acceptance medical screening.

 

Day care treatment:

405 day care treatments are covered.

 

Tax Benefits:

Amount paid by any mode other than by cash for this insurance is eligible for relief under Section 80D of the Income Tax Act

 

Free look period:

A free look period of 15 days from the date of receipt of the policy is available for reviewing the policy terms and conditions. In case insured is not satisfied he can seek cancellation of the policy and in such event the Company will allow refund of premium after adjusting the cost of pre-acceptance of medical screening, stamp duty charges and proportionate risk premium for the period concerned provided no claim has been made until such cancellation. Free look cancellation is not applicable at the time of renewal.

 

NOTE:Renewal premium, terms and conditions are subject to change with prior approval from IRDA.

Star Advantage

  •  No Third Party Administrator, direct in-house claim settlement
  •  Faster and hassle free claim settlement
  •  Cashless facility can be availed in network hospitals in Tier 1 & Tier 2 location
  •  Network of more than 6000 hospitals across India
  •  Free expert medical consultation over phone 24X7 Toll free helpline
  •  Maintain personal health records in electronic format

Note:The benefits mentioned herein are only an outline of the policy. For details please contact your nearest Star Health Office or call toll free no 1800 425 2255/1800 102 4477.

Premium Chart

Premium without Service Tax
Age in years (Amount in Rs.)
1A 1A+1C 1A+2C 2A 2A+1C 2A+2C
2-25 905 1290 1620 1400 1705 1995
26-40 1100 1665 2090 1805 2200 2500
41-50 1600 2395 2945 2600 3100 3500
51-60 2200 3320 4180 3605 4400 5000
61-65 3080 4540 5700 4930 6000 6780
66-70 3665 5400 6795 5865 7150 8065
Above 70 4290 6320 7955 6865 8370 9440
Premium with Service Tax @15%
Age in years (Amount in Rs.)
1A 1A+1C 1A+2C 2A 2A+1C 2A+2C
2-25 1041 1484 1863 1610 1961 2294
26-40 1265 1915 2404 2076 2530 2875
41-50 1840 2754 3387 2990 3565 4025
51-60 2530 3818 4807 4146 5060 5750
61-65 3542 5221 6555 5670 6900 7797
66-70 4215 6210 7814 6745 8223 9275
Above 70 4934 7268 9148 7895 9626 10856
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