Star Rural Micro Health Plan: Premiums, Benefits & Renewal | PolicyX
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Star Rural Micro Health Policy

Star Micro Rural and Farmers Care is a health insurance plan specifica ...Read More

Up to 1 Cr
Sum insured
850+
Pan India presence
99.06%
Claim settlement ratio
🛡️ IRDAI Approved
⭐ 4.4/5 · 2,763 reviews
🏥 14,000+ hospitals
📊 2.21 solvency ratio
✅ 99.06% claim settlement
Written by Simran saxena
Reviewed by Raj Kumar
Published: 12 Sep 2024
Updated: 27 Jul 2026
Expert Verified
IRDAI Licensed

Overview

Star Micro Rural and Farmers Care is an individual and family floater plan. It offers a sum insured of INR 1 Lakh for individual options and INR 2 Lakh for family floater options. The policy term is for 1 year. Star Health Insurance designed this health plan to cater to the healthcare needs of people living in rural areas. It ensures that individuals and their families living in rural areas do not have to compromise on their health and offers complete support when they are hospitalized due to an illness or an accident.

Video reviews

Walkthroughs from the PolicyX team — pros, cons, real claim experiences and who should buy.

All about Star Health Insurance and Plans

All about Star Health Insurance and Plans

Star Health Insurance Plan Detailed Review

Star Health Insurance Plan Detailed Review

Exclusions

The Star Micro Rural and Farmers Care plan does not cover the following permanent diseases or health conditions:

  • Hospitalization due to war, riot, strike, and nuclear weapons
  • Intentional self-injury
  • AIDS
  • Miscarriage and abortion
  • Congenital disease
  • Infertility and in vitro fertilization

Certain diseases and treatments are covered under this plan after a specific waiting period:

  • Listed ailments after 6 Months
  • Pre-existing diseases after 6 Months

Sample Premium Illustration of Star Micro Rural and Farmers Care Plan

To understand the premium amount one needs to pay, let us go through the below example, which illustrates sample premiums for different policyholder combinations.

1 Adult | 2 Adults

Sum Insured (in Rs.) 1 Lakh 2 Lakh
Premium Payable (in Rs.) 1,735 2,480

1 Adult + 1 Kid | 2 Adults + 1 Kid

Sum Insured (in Rs.) 1 Lakh 2 Lakh
Premium Payable (in Rs.) 2,215 2,785

Plan at a glance

Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.

Entry age
12 Months to 65 years
Plan type
Individual and Family Health Insurance
Sum insured options
₹1 L, ₹2 L
Waiting period
30 days
Renewability
NA
Policy term
1 Year

*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.

Pros & cons

A quick honest summary — the strengths and the trade-offs.

Pros

  • <ul> <li>Designed for Farmers</li> <li>Flexible Policy</li> <li>Day Care Procedures</li> <li>Flexible Payment Options</li> <li>PED cover available</li> </ul>

Cons

  • <ul> <li>20% co-pay</li> <li>Obesity Treatment Unavailable</li> <li>Hazardous Activity not covered</li> <li>HIV/AIDS not covered</li> <li>Cosmetic Surgery unavailable</li> </ul>

What's covered

A quick look at what this plan covers — and what it doesn't.

Hospitalization

  • Room rent Covered
  • ICU charges Covered
  • Pre-hospitalization Not covered
  • Post-hospitalization Not covered
  • Domiciliary hospitalization Not covered
  • Day-care treatment Covered
  • OPD charges Not covered
  • Covid-19 treatment Covered
  • Cataract Covered

Bonuses & restoration

  • No-claim bonus Not covered
  • Automatic restoration of SI Not covered
  • Daily hospital cash Not covered

Family & special care

  • Maternity cover Not covered
  • New-born baby cover Not covered
  • IVF treatment Not covered
  • AYUSH treatment Not covered
  • Organ donor expenses Not covered

Modern & preventive care

  • Modern treatment Covered
  • Road ambulance Not covered
  • Air ambulance Not covered
  • E-consultation Not covered
  • Health check-up Not covered
  • Second medical opinion Not covered
  • Vaccination Not covered

Conditions & global

  • Co-payment Applicable
  • Sub-limits Not Applicable
  • Compassionate travel Not covered
  • Global coverage Not covered

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.

Delhi Mumbai Bengaluru Chennai Kolkata Hyderabad Pune Ahmedabad Jaipur Lucknow

Know More About Network Hospitals →

Who can buy this plan

Eligibility criteria pulled straight from the policy wording.

  • Minimum Entry Age: 18 Years
  • Maximum Entry Age: 65 Years
  • Sum Insured (SI): INR 1 Lakh: INR 2 Lakh
  • Waiting Period: 30 Days

Frequently Asked Questions

The 2 most-asked questions about Star Rural Micro Health Policy, answered.

Star Micro Rural And Farmers Care Policy can be purchased by people aged between 18 years and 65 years. You can also include dependent children aged between 12 months and 25 years under the policy.
No, it is not covered under this policy.

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