Star Novel Coronavirus (nCoV)
  • Explore the Key Features of the Plan
  • Check the Eligibility Criteria
  • How to Buy the Policy Online?
Star Health Insurance
premium

Network hospitals

14000+

premium

Claim settlement ratio

99.06%

premium

Sum insured

2 CR

premium

No. of Plans

21

premium

Solvency Ratio

1.7

premium

Pan India Presence

815

Customized Health Insurance Plan for you.

Get upto 15% Online Discount*

Select Members You Want To Insure

Age of Eldest Member

premium

Network hospitals

14000+

premium

Claim settlement ratio

99.06%

premium

Sum insured

2 CR

premium

No. of Plans

21

premium

Solvency Ratio

1.7

premium

Pan India Presence

815

Star Health Novel CoronaVirus Insurance

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.

If you or a loved one contracts COVID-19, the Star Novel Coronavirus (nCov) Insurance Policy will provide affordable health coverage. A lump sum compensation is offered to the insured under this trial programme from Star Health Insurance in case he/she gets diagnosed with the novel coronavirus (COVID-19).

Star Novel CoronaVirus Plan Specifications

Entry Age

18 Years to 65 Years

Plan Type

Individual / Family Floater

Policy Term

1 year

Renewability

Lifetime Renewability

Sum Insured

Rs.21,000 /- and Rs.42,000/-

Initial Waiting Period*

16 Days

*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.

Read more specifications in the brochure.

Star Health Insurance Network Hospital List

Star Health Insurance Network Hospitals are present in 31 states nationwide. With a wide network of hospitals, Star Health Insurance ensures that you are medically secured, irrespective of the city you reside in.

Other Health Insurance Companies

Star Novel Coronavirus Plan Key Features

  • 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.
  • Short Waiting Period: Star Health Insurance has a waiting period of 16 days from the commencement date of the policy.
  • No Pre-Acceptance Medical Screening: There is no medical screening or testing requirement for applicants..
  • 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.
  • Tax Benefits: Tax benefit under Section 80 D of the Income Tax Act is available for the premium paid for obtaining this policy.

Star Novel Coronavirus Exclusions

Permanent diseases or health conditions that are not included under Star Novel Coronavirus are:

Claims for the disease contracted prior to the commencement of the policy shall not be admissible

If the policyholder has travelled 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.

Coverage after Waiting Period

Certain diseases and treatments are covered under this plan after a certain time period. Read the details below:

Listed ailments after 24 Months

Pre-existing diseases after 36 Months

Star Novel Coronavirus Premium Calculation

Take a look at the below-given sample premium illustrations under different family options with different sum insured options:

1 Adult

Sum Insured (in Rs.) 21,000 42,000
Premium Payable 353 706

2 Adults

Sum Insured (in Rs.) 21,000 42,000
Premium Payable 706 1,412

Explore Other Star Health Insurance Plan

Star health offers a wide range of health insurance plans to fulfill the medical needs of individuals, families, senior citizens. From Star Mediclaim Policy for a family to specialized plans for Diabetes & Autistic children, Star Health has a total of 22 plans to offers. Take a look at them:

A special plan designed for women, wherein women can avail multifold benefits along with the coverage to the whole family.

Unique Features

  • Coverage for Modern Treatments
  • Coverage during Pregnancy
  • Preventive Health Check Up

The plan is specially designed for those individuals who are willing to secure their old-age medical needs after their retirement.

Unique Features

  • Guaranteed Lifelong renewals
  • No Pre-acceptance Medical test
  • Availability of Instalment Facility

This policy is designed to provide complete protection against all health care eventualities to you and your family.

Unique Features

  • Health Checkup for Claim-Free Years.
  • Hospital Cash Benefit
  • 100% Automatic Restoration

The plan is ideal for the families who want to get covered under single sum insured.

Unique Features

  • Automatic Restroration of SI
  • Instant Recharge UPTO 30% of SI
  • New born baby cover from 16th day

Star Cardiac Care is ideal for those individuals who want to cover the expenses of cardiac & non-cardiac ailments.

Unique Features

  • Accidents and non-cardiac ailments
  • Day care procedure
  • No pre-acceptance Medical test

The plan offers additional coverage to the policyholder in case their existing coverage is exhausted.

Unique Features

  • All Daycare procedure
  • Pre and Post Hospitalization
  • Organ Donor Expense

This plan is for individuals who want to protect themselves and their families against the deadliest virus of Covid-19.

Unique Features

  • No pre-medical Test
  • Only 16 days of Waiting Period
  • Low premium amount

Star Cancer Care Gold (Pilot Product)

Covers the risk of spreading/recurrence of first cancer (metastasis) & second cancer (second malignancy)

Unique Features

  • Pre-hospitalization (30 days)
  • All daycare procedure
  • Nursing Expense

Star Special Care Policy

Star Special Care provides coverage to children (3 years to 25 years) who are diagnosed with Autism Spectrum Disorder.

Unique Features

  • No Pre-medical test
  • Nursing Expense
  • Emergency Ambulance Charges

Star Diabetes Safe Insurance Policy

Designed specifically for diabetic persons. Hospitalization related to diabetes and non-diabetic problems is covered under this plan.

Unique Features

  • 30 days waiting period
  • Automatic restoration of Sum Insured
  • Outpatient Expenses

Corona Kavach Policy

It covers the cost of hospitalization if the policyholder tested positive for COVID-19.

Unique Features

  • AYUSH Treatments
  • Home Care Treatment
  • No pre-medical screening test

Corona Rakshak Policy

This policy offers 100% sum insured to the policyholder if he/she tested positive for COVID-19.

Unique Features

  • No pre-medical screening test
  • Sum insured: INR 50K to 2.5Lakhs
  • Only 15 days Waiting Period

A standard health plan mandated by IRDAI that covers all essential healthcare benefits including Ayush treatment, day care procedures, etc. for individuals and families.

Unique Features

  • Room rent up to 5K/day
  • Modern treatments covered up to 50% of SI
  • 20% rural discount available

A uniquely designed insurance policy that covers organ donor expenses up to sum insured, AYUSH treatments, modern treatments, and many more.

Unique Features

  • All Daycare procedures
  • Automatic Restoration
  • Domiciliary hospitalization

Provides flexibility in terms of choosing the Sum Insured amount, premium amount, family size. It can be a perfect tax saver for you.

Unique Features

  • All Daycare procedures
  • Coverage for Modern Treatment
  • Outpatient Expense

Provides reimbursement of hospitalization expenses and also provides a total amount of sum insured if the insured person is diagnosed with a major illness.

Unique Features

  • Modern Treatment Covered
  • Non-allopathic Treatment
  • Coverage for Medicine and drugs cost

Created for young individuals under 40 years of age. It also offers various benefits such as discounts on renewals, incentive-led wellness programs, lowest waiting periods.

Unique Features

  • No-claim bonus
  • Hospital daily cash
  • Automatic restoration of SI

Health Insurance Articles

Star Novel Coronavirus: FAQs

1. If I make a claim under the policy and get reimbursed and once more contract the disease, can I make a second claim?

No, the policy ceases to operate either once a claim is settled or on completion of one year.

2. The policy coverage is not available for someone 17 years old, what to do in this case?

This is not a problem since a child can be covered under this policy as a dependent along with the parent. Children, up to 25 years of age can be covered under the policy.

3. How can I renew the policy on completion of the policy period?

At present, the policy duration is 1 year and since it is a pilot product, renewal is allowed until the product is offered.

4. Is it possible to cancel the policy?

Yes, cancellation is possible anytime. If the policy is cancelled before 3 months, 15% premium can be refunded. If the policy is cancelled after 3 months, no refund may be given.

5. Do I need to go for any pre-medical acceptance check-up to buy Star Novel Coronavirus?

There is no medical screening or testing requirement for applicants.

6. How will the company offer the benefit under Star Novel Coronavirus?

The policy provides a 100% lump sum payment as a benefit to the policyholder who has contracted COVID-19 and has had to undergo hospitalization.

7. I recently bought a Star Novel Coronavirus Health Insurance plan, however, I want to cancel my policy. Can I do so?

Yes, 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.

Star Health Insurance Policy Review

Read what customers think about the Star Health Insurance Policy.

Customer Review Image

Ranjan Kumar Verma

Patna

March 5, 2023

मैने 2016 में PolicyX.Com से Health Insurance Online Purchase किया था। अभी 2021 से मैं STAR HEALTH का Policy continue किया हूँ...

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sandeep singh

Chandigarh

January 12, 2023

Dnt buy any policy from Star health They are big fraud my father is admitted in hospital crucial stage they reject our claims without reason i will filled case against company in consumer court...

Customer Review Image

Sanjay naraware

Pune

November 8, 2022

Sanjay nanaware here, first of all I appreciate Star Health for your punctuality, service, conversation and I really thanks to Mr.Sanchin pathavnkar who has suggest star health policy.

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Ritesh

Delhi

June 2, 2022

Star health insurance company is one of the most trusted brands and my experience has been good with the insurer.

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Himanshu Gada

Delhi

May 25, 2022

Star is a good company. I have bought 2 plans from this company. One for myself, and another for my parents. I am happy with both the plan. Thank you PolicyX.com for helping me to find this gre...

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samarth wadhwa

Guwahati

March 14, 2022

Star is one of the topmost insurance companies and they prove it with their services and plans. They have plans for each family member of mine starting from my parents to my own family and even...

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rachana singh

Ahmedabad

February 24, 2022

I am star health s customers from last 5 months where i have got best customer service. They have a huge list of network hospitals which keeps me relaxed that i can get cashless treatment

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paridhi

Hyderabad

February 17, 2022

No doubt that why people recommended me this company. They are loyal towards their customers and help them in every possible way.

View All Star Health Insurance Reviews