Star Care Micro Health Insurance

The policy provides complete health care protection to people from Tier 1 and Tier 2 places in India. To keep up with this, Star Health carries a network of around 9,300 top hospitals all over India. Let us have a look at some of the coverage features provided by Star Health under this policy-

• Drugs and medicines expenses
• Expenses for 405 daycare procedures
• Surgeon, medical practitioner, consultant, and specialist fee
• ICU charges up to Rs. 2,000 with a maximum of Rs. 10,000 per hospitalisation
• Pre-existing diseases covered after 48 months of continuous coverage with any Indian Insurance company
• Hospital cash of Rs. 1,000 paid for a maximum of 14 days if the treatment is taken at a government hospital
• Emergency ambulance expenses up to Rs. 500 per hospitalisation up to a maximum of Rs. 1,000 per policy period
• Room, boarding and nursing charges at 0.75% of the Sum Insured either in a private room or shared accommodation
• Pre-hospitalisation expenses for up to 30 days before getting hospitalised
• Post-hospitalisation payments for up to 60 days after discharge from the hospital. The lump sum is calculated at 7% of the hospitalisation expenses up to a maximum of Rs. 3,000 is payable

Some benefits that you don’t pay extra for but can still enjoy for free come along with this health insurance policy. These are listed below-

• Tax benefits under Section 80D of the Income Tax Act 1961
• Lifelong renewability of the policy is offered
• Free look period provided for 15 days
• Hassle-free claim procedure

Looking at the benefits that the plan provides, this economic plan can be counted as a blessing for rural and semi-urban sectors of India.

If you want to buy this plan, then don’t worry about choosing a convenient and user-friendly platform to make a purchase. You can buy it online or offline according to your suitability. All you need to do is give a call to one of the leading health insurance brokers, and they will guide you through the entire process of purchase, and even provide you with the after sales service too. 

The room rent limit is 0.75% of the sum insured. In case of ICU room rent, the limit is Rs. 2000 per day up to a maximum of Rs. 10,000 per case of hospitalisation.

Ambulance expenses are covered for up to Rs. 500 per hospitalisation and up to a maximum of Rs. 1000 in one policy year.

Hospital cash benefit is a daily allowance which is paid under the plan if the insured member is hospitalised for 24 hours or more. The plan pays hospital cash benefit of Rs. 1000 per day of hospital admission. This benefit would be paid for a maximum of 14 days in a policy period.

In case of major surgeries the indemnity limit is up to Rs. 40,000 and for all other types of surgeries the limit is up to Rs. 20,000. The limit on cataract treatment is up to Rs. 8500.