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The Star Micro Rural and Farmers Care caters to the needs of individuals and their families in rural areas, when they are hospitalized due to an illness or an accident.
Highlights
Rural Hospitalization Cover
Hospitalization cover for rural population
Policy Type
Policy Type : Individual and Floater
Sum Insured Options
Sum Insured Options : Rs.1,00,000/- (For Individual) and Rs.2,00,000/- (For Floater)
Policy Term
Policy Term : One year
Day-care procedures
All day care procedures are covered under this policy
No pre-acceptance medical screening
No Pre acceptance Medical Screening
Benefits
Room, boarding, nursing expenses as provided by the Hospital Nursing Home up to 1% of Sum Insured per day.
Surgeon, Anesthetist, Medical Practitioner, Consultants, Specialist Fees.
Anesthesia, blood, oxygen, operation theatre charges, surgical appliances, medicines and drugs, diagnostic materials and X-ray, diagnostic imaging modalities, dialysis, chemotherapy, radiotherapy, cost of pacemaker, stent, similar expenses. With regard to coronary stenting, the company will pay such amount up to the extent of cost of bare metal stent/drug eluting cobalt chromium stent/drug eluting stainless steel stent.
Expenses incurred on treatment of Cataract is limited to Rs.10,000/- per eye and up to Rs.15,000/- per policy period
All day care procedures are covered under this policy
WAITING PERIODS:
30 days except for accidents
6 months - Specified diseases/illness/ailments.
6 months - Pre existing Diseases
Instalment Facility:
Premium can be paid Monthly, Quarterly and Half Yearly. Premium can also be paid Annually.
Eligibility
Age at entry 18 years and 65 years
Family can also be covered. Family means Self, Spouse, Dependent children up to 25 years of age
Economically dependent children aged from 12 months to 25 years can be covered with parents.
General Terms
CO-PAYMENT:
20% of each and every admissible claim for persons above 60 years at entry level and their subsequent renewals.
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 (Not Applicable for Renewals).
RENEWAL:
Life long renewal.
GRACE PERIOD FOR RENEWAL:
30 days from date of expiry of policy.
Star Advantages
No Third Party Administrator, direct in-house claim settlement.
Faster and hassle-free claim settlement.
Network of more than 10200+ hospitals across India.
Covered all day care treatment
All day care procedures are covered under this policy
10200+ hospitals to serve you
Largest Network of 10200+ hospitals to serve you
Covered limited to Rs.10,000/- per eye and up to Rs.15,000/- per policy period
Expenses incurred on treatment of Cataract is limited to Rs.10,000/- per eye and up to Rs.15,000/- per policy period
Family can also be covered
Family Covered in this Policy
6 months
6 months - Pre existing Diseases
Up to 1% of Sum Insured per day
Room, boarding, nursing expenses as provided by the Hospital / Nursing Home up to 1% of Sum Insured per day
20% of each and every admissible claim
20% of each and every admissible claim for persons above 60 years at entry level and their subsequent renewals
