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Star Novel Coronavirus (COVID-19) Health Insurance

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Star Health Insurance
Star Novel Coronavirus (nCov) (COVID-19) Insurance
Cashless Approval TATWithin 2 hours
Claim Settlement Ratio99.10%
Network Hospitals14,000+
Pre-existing Disease Waiting Period1 year
Special BenefitsNo Extra Premium for Disease Coverage
Starting Premium for Rs. 5 lakhs SIRs. 410/month

About Star Novel Coronavirus (COVID-19) Health Insurance

Star Novel Coronavirus (nCov) (COVID-19) Insurance Policy is an affordable health care policy for you and your loved ones in case of COVID-19 (novel coronavirus). It is a pilot policy launched by Star Health And Allied Insurance to provide a lump sum benefit to the insured in case he/she gets diagnosed with novel coronavirus (COVID-19). But the benefit is only offered if hospitalisation is involved. The policy is offered on an individual sum insured basis for sum insured options of Rs. 21,000 and Rs. 42,000.

You can buy the policy for utmost protection in the time of pandemic, if you are aged between 18 years and 65 years. The good news is that you can also include dependent children under this policy if they are aged between 3 months and 25 years, for which at least one parent should be covered under the policy. Available for a term of one year, the policy comes with a waiting period of 16 days, only after which the benefits can be availed. In short, the policy offers the much-needed cover in the case of novel coronavirus.

Also read: COVID 19 Insurance

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Key Inclusions and Exclusions of the Plan

What's Included

  • Lump sum benefit if you get hospitalised and diagnosed positive with Novel Coronavirus (nCoV) (COVID-19)
  • People between 18 years and 65 years of age can buy this policy
  • The policy can be purchased on individual sum insured basis
  • The policy is available for a term of 1 year
  • You can opt for sum insured of Rs. 21,000 or Rs. 42,000

What's Not Included

  • No expenses will be covered if there is no in-patient hospitalisation, whether quarantined or not
  • No illness, sickness or disease is covered other than the novel coronavirus disease
  • Any claim related to the novel coronavirus contracted prior to the commencement of the policy
  • Any claim made during the waiting period
  • Expenses related to dietary supplements are not covered

9625 Star Cashless Network Hospitals in India

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Claim Process at Star Health Insurance

  • Network Hospital
  • Non-Network Hospital
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 48 hours prior to admission.
  • 3

    Claim Processing

    Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
  • 4

    Claim Settlement

    Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 48 hours prior to admission.
  • 3

    Claim Processing

    Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
  • 4

    Claim Settlement

    Once your request for reimbursement of expenses is approved, the claim will be settled.

FAQs on Star Novel Coronavirus (nCov) (COVID-19) Insurance Health Insurance Plan

  • What is the eligibility for Star Novel Coronavirus (nCov) (COVID-19) Insurance Policy?

    Star Novel Coronavirus (nCov) (COVID-19) Insurance Policy covers people aged between 18 years and 65 years. You can also include dependent children aged between 3 months and 25 years along with any one parent. The policy can be purchased on an individual sum insured basis only. Note that only one person is allowed per policy. 

  • What is the waiting period under Star Novel Coronavirus (nCov) (COVID-19) Insurance Policy?

    Star Novel Coronavirus (nCov) (COVID-19) Insurance Policy comes with an initial waiting period of 16 days. During this, no claim will be admissible. 

  • What is the premium applicable for Star Novel Coronavirus (nCov) (COVID-19) Insurance Policy?

    For Star Novel Coronavirus (nCov) (COVID-19) Insurance Policy, you are required to pay a premium of Rs. 299+GST and Rs. 598+GST for sum insured of Rs. 21,000 and Rs. 42,000 respectively.  

  • What are the documents required for claim under Star Novel Coronavirus (nCov) (COVID-19) Insurance Policy?

    You are required to submit the following documents in case of claim under Star Novel Coronavirus (nCov) (COVID-19) Insurance Policy:

    • Duly filled and signed claim form 
    • COVID-19 test report that confirms positive existence of the illness, from the authorised centers 
    • Copy of Aadhaar Card or any other ID card issued by the government

  • Can I avail tax benefits on the premium paid for Star Novel Coronavirus (nCov) (COVID-19) Insurance Policy?

    Yes. The premiums paid for Star Novel Coronavirus (nCov) (COVID-19) Insurance Policy are eligible for tax benefits under Section 80D of the Income Tax Act, 1961. 

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