Network hospitals
14000+
Incurred claim ratio
65%
Sum insured
Up to 2 CR
No. of Plans
24
Solvency Ratio
2.0
Pan India Presence
850+
Network hospitals
14000+
Incurred claim ratio
65%
Sum insured
Up to 2 CR
No. of Plans
24
Solvency Ratio
2.0
Pan India Presence
850+
Star micro rural and farmers care is an individual and family floater plan with a sum insured of 1L and 2L respectively for individual and family floater options. The policy term is for 1 year. To cater to the healthcare needs of people living in rural areas, Star Health has designed a health plan called Star Micro Rural and Farmers Care. It ensures that the 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.
Star Health Insurance Plan Detailed Review
All about Star Health Insurance and Plans
Child Entry Age
12 Months to 25 years
Adult Entry Age
18 Years to 65 years
Plan Type
Individual/Family Floater
Policy Term
1 Year
Initial Waiting Period
30 days
Sum Insured
1L | 2L
*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.
With two different coverage options, Star Micro Rural and Farmers Health plan lets you customize your health insurance plan as per your requirements.
SI OPTIONS: 1L
Room Rent
1% of SI
ICU Charges
Covered
Pre-Hospitalization
Not covered
Post-Hospitalization
Not covered
Domiciliary Hospitalization
Not covered
Daycare Treatment
Covered
OPD Charges
Not covered
COVID-19 Treatment
Not Covered
Cataract
Covered
No Claim Bonus
Not Covered
Automatic Restoration
Not Covered
Daily Hospital Cash
Not Available
Organ Donor
Not Covered
Maternity Cover
Not Available
New Born Baby Cover
Not Available
AYUSH Treatment
Not Covered
IVF Treatment
Not Available
Modern Treatment
Available
Ambulance
Not Available
Air Ambulance
Not Available
Compassionate Travel
Not Available
Global Coverage
Not Available
E-Consultation
Not Available
Health Check-Up
Not Available
Second Medical Opinion
Not Available
Vaccination
Not Available
Co-payment
Applicable, only if the policyholder is 61 years or above
Sub-limits
Not Available
SI OPTIONS: 2L
Room Rent
1% of SI
ICU Charges
Covered
Pre-Hospitalization
Not covered
Post-Hospitalization
Not covered
Domiciliary Hospitalization
Not covered
Daycare Treatment
Covered
OPD Charges
Not covered
COVID-19 Treatment
Not Covered
Cataract
Covered
No Claim Bonus
Not Covered
Automatic Restoration
Not Covered
Daily Hospital Cash
Not Available
Organ Donor
Not Covered
Maternity Cover
Not Available
New Born Baby Cover
Not Available
AYUSH Treatment
Not Covered
IVF Treatment
Not Available
Modern Treatment
Available
Ambulance
Not Available
Air Ambulance
Not Available
Compassionate Travel
Not Available
Global Coverage
Not Available
E-Consultation
Not Available
Health Check-Up
Not Available
Second Medical Opinion
Not Available
Vaccination
Not Available
Co-payment
Applicable, only if the policyholder is 61 years or above
Sub-limits
Not Available
Room rent limit is the maximum amount of bed charge that you can claim if you are hospitalized.
Common Room categories covered under room rent are:
Coverage status under Star HealthMicro Rural and Farmer CarePlan?
Under Star HealthMicro Rural and Farmer CarePlan, the room rent is covered up to 1% of the SI.
It is a special department in the hospitals where patients with serious medical conditions are treated.
Coverage status under Star HealthMicro Rural and Farmer CarePlan?
Under this plan, ICU charges are covered.
Medical expenses incurred before the hospitalization of the policyholder.
Coverage status under Star HealthMicro Rural and Farmer CarePlan?
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Medical expenses incurred after the discharge of the policyholder from the hospital.
Coverage status under Star HealthMicro Rural and Farmer CarePlan?
Post-Hospitalization expenses are not covered under this plan.
Home hospitalization arrangement for the insured person due to unavailability of medical amenities in hospitals. The treatment should last equal to or more than 72 hrs to get te financial coverage.
Coverage status under Star HealthMicro Rural and Farmer CarePlan?
Under Micro Rural and Farmer Care plan, domiciliary hospitalizations is not covered.
Treatments that can be treated in less than 24 hours of hospitalization like blood dialysis, cataract, etc.
Coverage status under Star HealthMicro Rural and Farmer CarePlan?
This plan covers the expenses of all daycare procedures.
The cost of doctor consultation and prescribed medical tests that may not require hospitalization.
Coverage status under Star HealthMicro Rural and Farmer CarePlan?
Not covered under the plan.
Covers the cost of treatment for COVID-19 with a confirmative diagnosis from Govt. approved Centre.
Coverage status under Star HealthMicro Rural and Farmer CarePlan?
COVID-19 treatment cover is not available under this plan.
A common eye condition in which your vision gets blurred.
Coverage status under Star HealthMicro Rural and Farmer CarePlan?
The plan covers up to Rs. 10,000/- per eye and up to Rs. 15,000/- per policy period
For every claim-free year, insurance companies reward policyholders with an increase in the Sum Insured amount as no-claim bonus on policy renewal. However, in the case of claim, this bonus amount either lapses or is reduced by a certain percentage that varies from plan to plan.
Coverage status under Star HealthMicro Rural and Farmer CarePlan?
No claim bonus is not available under this plan
Automatic restoration is a benefit in which the insurance company restores the total sum insured after it gets fully exhausted in treatments.
Coverage status under Star HealthMicro Rural and Farmer CarePlan?
Automatic restoration is not available under this plan.
It is a cash amount that you will get each day during the time of hospitalization.
Coverage status under Star HealthMicro Rural and Farmer CarePlan?
The daily hospital cash is not available under the plan.
Your health plan will cover the cost of the procedure for removing the damaged or malfunctioning organs from the body.
Coverage status under Star HealthMicro Rural and Farmer CarePlan?
Under the plan, Organ Donor expenses are not covered
It refers to the cover that includes expenses for normal and c-section procedures deliveries.
Coverage status under Star HealthMicro Rural and Farmer CarePlan?
Not covered
It takes care of the medical expenses that arise due to the hospitalization of the newborn baby in case of unforeseen circumstances. Some of the common treatments that are covered under the new born cover and these common treatments can vary from plan to plan:
Coverage status under Star HealthMicro Rural and Farmer CarePlan?
Not covered
Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.
Coverage status under Star HealthMicro Rural and Farmer CarePlan?
Not covered
In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are for:
Coverage status under Star HealthMicro Rural and Farmer CarePlan?
Not available
Medical treatments that demand the use of modern technology such as robotic surgeries, stem cell therapy, etc.
Coverage status under Star HealthMicro Rural and Farmer CarePlan?
Covered
An ambulance is used to move the patient from home to hospital, transfer to another hospital, and take them for different tests outside the hospitals.
Coverage status under Star HealthMicro Rural and Farmer CarePlan?
Not Covered.
Air ambulances are specially prepared planes that transfer the patient from one place to another in case of a health emergency.
Coverage status under Star HealthMicro Rural and Farmer CarePlan?
Not Covered
Refers to the traveling expenses of a Farmer member of the insured person in case the policyholders get admitted to a hospital outside his/her residential city.
Coverage status under Star HealthMicro Rural and Farmer CarePlan?
Not available
Any kind of medical/health emergency when you are outside of India.
Coverage status under Star HealthMicro Rural and Farmer CarePlan?
Not available
If a policy offers E-consultation it allows policyholders to connect with a doctor for medical consultation through video chat, audio call, or chatbot.
Coverage status under Star HealthMicro Rural and Farmer CarePlan?
The plan does not cover the expenses for E-consultation.
A facility where the policyholder can avail free health check-ups after fulfilling the company's policies.
Coverage status under Star HealthMicro Rural and Farmer CarePlan?
The plan does not offer any health check up .
If the policyholder wants, they may opt for a second medical opinion wherein the policyholder can consult another doctor within the company's network of medical practitioners.
Coverage status under Star HealthMicro Rural and Farmer CarePlan?
The plan does not cover the expenses for Second Medical Opinion .
Coverage against the expenses incurred on vaccinations is provided by the insurance companies.
Coverage status under Star HealthMicro Rural and Farmer CarePlan?
The plan does not cover vaccination cover.
In the co-payment clause, policyholders have to pay a portion of the hospitalization expense on their own and the insurer will pay the rest of the amount.
Coverage status under Star Comprehensive Plan?
Co-payment is only applicable if the policyholder is above 61 years.
Sub limit is a condition in which the insurer will have to pay the medical expense up to a certain percentage and the remaining amount will have to pay by the policyholder.
Coverage status under Star Comprehensive Plan?
No sub-limits are available
Permanent diseases or health conditions that are not included under Star Micro Rural and Farmer Care plan:
Hospitalization out of 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 certain time period. Read the details below:
Listed ailments after 6 Months
Pre-existing diseases after 6 Months
To understand how much premium an amount one needs to pay, let us go through the below example wherein we have illustrated the sample premiums for different Farmer sizes
Sum Insured (in Rs.) | 1 Lakhs | 2 Lakhs |
Premium Payable (in Rs.) | 1,735 | 2,480 |
Sum Insured (in Rs.) | 1 Lakhs | 2 Lakhs |
Premium Payable (in Rs.) | 2,215 | 2,785 |
To cater to the different medical needs of an individual & their family, Star Health offers several Health Plans ranging from senior citizen plans to specialized plans for autistic children, to health insurance for cardiac patients, and many more.Take a look below to explore more:
Comprehensive
This policy is designed to provide complete protection against all health care eventualities to you and your family.
Unique Features
Comprehensive
The plan is ideal for the families who want to get covered under single sum insured.
Unique Features
Youth-specific
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
Protection Plan
This plan is designed to enhance your base health policy’s sum insured to provide maximum coverage for room rent, modern treatment, etc.
Unique Features
Standard
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
Comprehensive
A uniquely designed insurance policy that covers organ donor expenses up to sum insured, AYUSH treatments, modern treatments, and many more.
Unique Features
Flexible
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
Individual Plan
A unique health plan for individuals above the age of 50 years with no upper age entry limit. The plan comes with a high SI.
Unique Features
Women Care
A special plan designed for women, wherein women can avail multifold benefits along with the coverage to the whole family.
Unique Features
Senior Citizen
The plan is specially designed for those individuals who are willing to secure their old-age medical needs after their retirement.
Unique Features
Top-up
The plan offers additional coverage to the policyholder in case their existing coverage is exhausted.
Unique Features
Critical Illness
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
Care Policy
A unique plan designed for cardiac care with a wide range of sum-insured options and flexible payment options
Unique Features
Affordable Plan
It is designed to care for your incidental expenses such as travel, food, etc. that are not covered under your Health Insurance Policy in the event of Hospitalization.
Unique Features
Cardiac
Star Cardiac Care is ideal for those individuals who want to cover the expenses of cardiac & non-cardiac ailments.
Unique Features
Cancer care
Covers the risk of spreading/recurrence of first cancer (metastasis) & second cancer (second malignancy)
Unique Features
Autism Spectrum Disorder
Star Special Care provides coverage to children (3 years to 25 years) who are diagnosed with Autism Spectrum Disorder.
Unique Features
Individual Plan
An OPD coverage policy with an individual and family floater option and 4 SI variants. Comes with 3 plan variants: Silver, Gold and Platinum.
Unique Features
Individual Plan
An accidental coverage policy for individuals and families and comes with high sum insured. The policy gives cumulative bonus and multiple discounts.
Unique Features
Individual Plan
Special Care Gold is a special product tailored specifically for individuals with disabilities and those who are HIV/AIDS positive.
Unique Features
COVID-19
This plan is for individuals who want to protect themselves and their families against the deadliest virus of Covid-19.
Unique Features
COVID-19
It covers the cost of hospitalization if the policyholder tested positive for COVID-19.
Unique Features
COVID-19
This policy offers 100% sum insured to the policyholder if he/she tested positive for COVID-19.
Unique Features
Accident Plan
A new-age plan with loaded benefits covering hospitalization expenses arising due to illness or accident.
Unique Features
Individual Plan
A specified plan for Type 1 or Type 2 Diabetes with flexible plan options. Offers automatic sum restoration with accident cover.
Unique Features
Platinum Plan
A cancer oriented policy which offers all-round protection and covers the high medical bills of the disease.
Unique Features
Critical Plan
A critical illness policy providing lump sum benefit on diagnosis of Critical illnesses related to Cancer, Heart, Brain & Nervous System, and Major Organs.
Unique Features
Critical Plan
A truly smart health plan launched by Star Health Insurance offering tailored healthcare solutions with a high sum insured of up to INR 1 crore.
Unique Features
Protection Plan
Star Extra Protect is an add-on Cover that enhances the limits of existing covers in addition to offering new features to the base policy
Unique Features
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.
See More Health Insurance Articles
See More Health Insurance Articles
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.
Simran
Jamshedpur
April 8, 2024
I am impressed by Star Health reward features and want to be associated with the insurer for a long time
Dinesh
Belgaum
April 8, 2024
I required emergency hospitalization on my family trip to a remote city and PolicyX helped me find the nearest network hospital of Star health insurance
Nitika
Jalandhar
April 8, 2024
My grandparents are over 60 years old and I wanted to look for the best senior citizen health plan for them when PolicyX introduced me to Star Red Carper Health policy
Ashima
Amritsar
April 8, 2024
I was skeptical about investing in a family health plan thinking the coverage features will not be enough but Star comprehensive health plan proved me wrong, thank you policyX for finding the b...
Shikha Bajaj
Gurgaon
April 8, 2024
I have been associated with Star Health Insurance for over 3 years now and have had a smooth insurance experience
Kanupriya
Rajkot
April 8, 2024
I liked how my Star health insurance provides health check-ups, hospitalization, accidental cover, and so on at an affordable rate. Thank you PolicyX for encouraging me to buy it.
Neha Sukheja
Indore
April 8, 2024
I got treated with Angioplasty surgery and I’m thankful that the Star Comprehensive plan covered my treatment expenses and saved my hard-earned money.
Vaidehi Kanaujia
Indore
April 8, 2024
I have been insured with a Star Health Assure policy that I bought at the suggestion of PolicyX’s agent. I got my claims settled two times in a year and I highly recommend this policy.
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