Star Health Novel CoronaVirus Insurance Plan

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.

To help you overcome such situations, Star Health has presented 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 01-04-2021

Key Features of Star Novel Coronavirus (nCoV)

The Star Novel Coronavirus (nCoV) (COVID-19) insurance policy is one of its kind policies and is specially designed to offer coverage against this deadly viral infection. 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 Coronavirus COVID-19 and has had to undergo hospitalization.

2. Short Waiting Period

   Star Health Insurance takes pride in having a shorter waiting period as compared to other insurance companies. For this policy, you only have to wait for a 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 menas 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.

How Can You Buy Star Novel CoronaVirus Insurance Policy?

Currently it is unadvisable to step out of your house unless extremely urgent. Therefore, for your convenience, you can buy this policy from the comfort of your home. Just follow the steps below and secure your health expenses from Coronavirus:

Step 1

Visit the official website of Star Health Insurance company and click on the 'Plans'.

Step 2

Select 'View All Plans' from the drop-down menu.

Step 3

Scroll down and find "Star Novel CoronaVirus Insurance Policy" and click on Buy Now option.

Step 4

Fill in all the necessary details such as your name, date of birth, contact information, policy tenure, and variant you want to buy.

Step 5

Choose the coverage amount, and the page will show you the payable premium amount including all the taxes.

Step 6

Pay the premium online and the policy will be mailed to your registered email address.

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.