Star Health Novel CoronaVirus Insurance

Following safety measures to fight this deadly virus is the need of the hour. Washing your hands, not touching your eyes, mouth & nose, and social distancing can help you but only to a certain extent as even after observing all the prescribed measures, people are getting infected with the virus everyday.

Therefore, you should always be prepared for the worst scenarios. If an unfortunate event befalls and you or your family members get infected, you should be prepared for shouldering the treatment costs.

Star Health has introduced Star Novel Coronavirus (nCoV) (COVID 19) Insurance policy. The policy provides coverage for the expenses incurred during the treatment of COVID-19 infection. The plan comes on an individual basis, and only one policy is allowed for one insured person

Let's explore more about the plan.

Eligibility Criteria Of Star Novel Coronavirus (nCoV)

**Last Updated on July, 2021

Key Features of Star Novel Coronavirus (nCoV)

The Star Novel Coronavirus (nCoV) (COVID-19) insurance policy is designed to offer coverage against the raging pandemic. The plan has many unique features that include:

1. Lump-sum Payment

   The policy provides a lump sum payment as a benefit to the policyholder who has contracted COVID-19 and has had to undergo hospitalization.

2. Short Waiting Period

   Star Health Insurance has a waiting period of 16 days from the commencement date of the policy.

3. No Pre Acceptance Medical Screening

   There is no medical screening or testing requirement for applicants.

4. Free-Look Period

   A free look period is available from the company, whereby you can buy this policy, and if unsatisfied, can return it within 15 days. The refund is applicable only if no claim has been made. Refunds are applicable only for the purchase of the policy and not for renewal.

5. Tax Benefit

   Tax benefit under Section 80 D of the Income Tax Act is available for the premium paid for obtaining this policy.

What Is Excluded Under Star Novel Coronavirus Plan?

Following are the exclusions of the policy, which means payments will not be made for any of the following:

• Claims for the disease contracted prior to the commencement of the policy shall not be admissible.
• If the policyholder has traveled outside India during the policy period, claims are not admissible.
• For a claim to be made, hospitalization is required.
• Claims for any other illness other than COVID-19 will not be entertained.

Buying Process

Star Health Insurance Buying Process

• Visit the official website of the company and click on the 'Buy Now' tab.
• Fill in all the necessary details.
• Once you have selected the plan of your choice, make the premium payment.
• Your policy document will be mailed to you at your registered email address.

We, at PolicyX.com can provide a dedicated agent by your side during the claim settlement process. Below is its buying process.

• Fill in the details in the 'Calculate Premium' form.
• The next page will show all the available plans. Choose the best Star health plan and click on 'Buy Now'.
• Pay the premium and your policy document will be shared with you on your registered email.

Star Novel Coronavirus (COVID-19) Policy Claim Procedure

Claims against the policy can be made by the insured person or anyone else on their behalf by following the claims procedure mentioned below:

• The claim form needs to be filled in and submitted online or by mail. All forms needed can be downloaded from the website of Star Health.
• The claim must be submitted within 15 days of the notification of the claim.
• The claim form must be accompanied by a diagnostic report (given by a government-authorized testing center) confirming that the insured person was infected with Coronavirus COVID-19.
• Submit your identification proofs such as a copy of your Aadhar card or any other Govt. issued ID cards.
• Once the form is received, it will be processed and on approval, the lump sum amount will be paid.