What is the eligibility of the policy?

Individuals living in Tier 1 and Tier 2 places of India can buy the plan. The minimum entry age is 18 years and the maximum entry age is 65 years. Children aged 2 years and above can be covered only if parents are covered.

What is the room rent limit under the policy?

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.

For how much are ambulance expenses covered?

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

What is the hospital cash benefit?

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.

What is the indemnity limit on surgeries and cataract?

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.

What are pre-existing illnesses and when are they covered?

Pre-existing illnesses are medical conditions which the insured member suffers from at the time the policy is bought. Since the member already suffers from the condition, the policy puts a waiting period clause for such illnesses. As per the clause, the illnesses and their complications are covered after a waiting period. Under the Star Micro Care Insurance Policy, the waiting period for pre-existing illnesses is 48 months.

Can the policyholder port into or out of the plan?

Yes, portability is allowed under the policy. To port into the plan or out of the plan, a written request should be made to the company at least 45 days before the expiry of the current policy.

Does the plan allow a free look period?

Yes, the plan allows a free look period for the policyholder to cancel the plan if required. The available free-look period under the plan is 15 days from the date of policy receipt.

Is the claim settled through a TPA?

No, Star Health has an in-house claim settlement department which handles the claims of the company. Thus, the claim is not settled through external TPAs (third Party Administrators).

Is hospital cash benefit allowed in all hospitalisation claims?

No, hospital cash benefit is allowed only if the insured takes treatment at a Government hospital.

Star Care Micro Health Insurance Wordings

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Highlights

Cashless Approval TAT	Within 2 hours
Claim Settlement Ratio	99.10%
Network Hospitals	14,000+
Pre-existing Disease Waiting Period	1 year
Special Benefits	No Extra Premium for Disease Coverage
Starting Premium for Rs. 5 lakhs SI	Rs. 410/month

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Star Star Care Micro Insurance Brochure

140.57 KB
PDF Document
Jun 07, 2019

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Name of Plan	Sum Insured
Smart Health ProPopular		Check Premium
Women CarePopular		Check Premium
PremierePopular		Check Premium
AssurePopular		Check Premium
Young Star Insurance PolicyMin: 91 days; Max: 40 yearsPopular	3 Lakh-1 Crore	Check Premium
Arogya Sanjeevani PolicyMin: 3 months; Max: 65 years	1 Lakh - 5 Lakh	Check Premium
Corona Kavach PolicyMin: 1 Day, Max: 65 Years	50,000 - 5 Lakh	Check Premium
Corona Rakshak PolicyMin: 18 years; Max: 65 years	50,000 - 2.5 lakh	Check Premium
Outpatient Care Insurance PolicyMin: 31 day; Max: 50 years	25 Thousand - 1 Lakh	Check Premium
Star Micro Rural And Farmers Care PolicyMin: 12 months; Max: 65 years		Check Premium
Star Novel Coronavirus (nCov) (COVID-19) InsuranceMin: 3 months; Max: 65 years		Check Premium
Family DeliteMin: 5 Months; Max: 65 Years	2 Lakh	Check Premium
Star Care Micro InsuranceMin: 2 Years; Max: 65 Years	1 Lakh	Check Premium
Star ComprehensiveMin: 3 Months; Max: 65 Years	5 Lakh	Check Premium
Red CarpetMini: 60 Years; Max 75 Years	1 Lakh	Check Premium
Diabetes SafeMin: 18 Years; Max: 65 Years	3 Lakh	Check Premium
Cardiac CareMin: 10 Years; Max 65 Years	3 Lakh	Check Premium
Medi Classic Insurance PolicyMin: 5 Months; Max: 65 Years	2 Lakh	Check Premium
Cancer Care Gold Min: 5 Months; Max: 65 Years	3 Lakh	Check Premium
Star Health GainMin: 91 Days; Max: 65 Years	1 Lakh	Check Premium
Special Care Min: 3 Years; Max: 25 Years	3 Lakh	Check Premium
Criticare PlusMin 18 Years; Max: 65 Years	2 Lakh	Check Premium
Family Health OptimaMin: 16 Days; Max: 65 Years	3 Lakh	Check Premium

Star Health Insurance Top Up List

Family (1)
Individual (1)

Name of Plan	Sum Insured
Super SurplusMin: 91 Days; Max: 65 Years	5 Lakh	Check Premium
Star Hospital Cash Insurance PolicyMin: 91 days; Max: 65 years		Check Premium

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FAQs on Star Care Micro Insurance Health Insurance Plan

What is the eligibility of the policy?
Individuals living in Tier 1 and Tier 2 places of India can buy the plan. The minimum entry age is 18 years and the maximum entry age is 65 years. Children aged 2 years and above can be covered only if parents are covered.
What is the room rent limit under the policy?
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.
For how much are ambulance expenses covered?
Ambulance expenses are covered for up to Rs. 500 per hospitalisation and up to a maximum of Rs. 1000 in one policy year.
What is the hospital cash benefit?
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.
What is the indemnity limit on surgeries and cataract?
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.
What are pre-existing illnesses and when are they covered?
Pre-existing illnesses are medical conditions which the insured member suffers from at the time the policy is bought. Since the member already suffers from the condition, the policy puts a waiting period clause for such illnesses. As per the clause, the illnesses and their complications are covered after a waiting period. Under the Star Micro Care Insurance Policy, the waiting period for pre-existing illnesses is 48 months.
Can the policyholder port into or out of the plan?
Yes, portability is allowed under the policy. To port into the plan or out of the plan, a written request should be made to the company at least 45 days before the expiry of the current policy.
Does the plan allow a free look period?
Yes, the plan allows a free look period for the policyholder to cancel the plan if required. The available free-look period under the plan is 15 days from the date of policy receipt.
Is the claim settled through a TPA?
No, Star Health has an in-house claim settlement department which handles the claims of the company. Thus, the claim is not settled through external TPAs (third Party Administrators).
Is hospital cash benefit allowed in all hospitalisation claims?
No, hospital cash benefit is allowed only if the insured takes treatment at a Government hospital.

View More Questions

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.