Star Care Micro Insurance Policy

​The Star Care Micro Insurance Policy by Star Health and Allied Insurance is a budget-friendly health insurance plan tailored for individuals and families residing in Tier 1 and Tier 2 cities across India. Designed to offer essential medical coverage, this policy is particularly suitable for low-income households seeking reliable health protection without the need for pre-policy medical screenings.​
Key Features
Eligibility: Adults aged 18–65 years from Tier 1 and Tier 2 cities are eligible. Dependent children can be covered from 2 years of age. The policy offers lifetime renewal beyond 65 years. ​
Sum Insured: A fixed coverage amount of ₹1,00,000 is available on both individual and family floater bases. ​
Star Health
No Pre-Acceptance Medical Screening: Applicants are not required to undergo any medical tests before purchasing the policy. ​
Hospital Cash Benefit: A daily cash benefit of ₹1,000 is provided for each completed day of hospitalization in a government hospital, up to a maximum of 14 days per policy period. ​
Coverage Highlights
Hospitalization Expenses:
Room, boarding, and nursing charges up to ₹750 per day.
ICU charges up to ₹2,000 per day, with a maximum of ₹10,000 per hospitalization.
Coverage for surgeon, anesthetist, consultant, and specialist fees.
Expenses for operation theatre, anesthesia, blood, oxygen, surgical appliances, medicines, and drugs. ​
E India Insurance
Star Health
Star Health
Pre and Post-Hospitalization: Medical expenses incurred up to 30 days before and 60 days after hospitalization are covered. ​
Star Health
Daycare Procedures: Coverage includes 405 daycare treatments that require less than 24 hours of hospitalization. ​
Star Health
Modern Treatments: Advanced procedures such as chemotherapy, dialysis, radiotherapy, and diagnostic imaging are covered. ​
Ambulance Charges: Reimbursement up to ₹500 per hospitalization, with a maximum of ₹1,000 per policy period. ​
Waiting Periods
Initial Waiting Period: 30 days from the commencement of the policy, except for accidents. ​
Pre-Existing Diseases: Coverage begins after 48 months of continuous insurance coverage. ​
Exclusions
Hospitalization primarily for diagnostic and evaluation purposes.
Cosmetic or aesthetic treatments, change-of-gender procedures.
Treatment of congenital anomalies, infertility, and maternity expenses.
Unproven or experimental treatments, including naturopathy.
Expenses related to spectacles, hearing aids, cochlear implants, and other assistive devices. ​
💡 Additional Benefits
Free-Look Period: A 15-day period is provided to review the policy terms and cancel if not satisfied. ​
Tax Benefits: Premiums paid are eligible for tax deductions under Section 80D of the Income Tax Act, 1961.
For more detailed information or to purchase the policy, you can visit the Star Health Insurance official website.

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