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All about Star Health Insurance and Plans
Star Health Insurance
Star Rural Micro Health Policy
The plan is designed to cater to individuals and families from rural I ...Read More
Up to 1 Cr
Sum insured
1
No. of plans
850+
Pan India presence
99.06%
Claim settlement ratio
🛡️ IRDAI Approved
⭐ 4.4/5 · 2,761 reviews
🏥 14,000+ hospitals
📊 2.21 solvency ratio
✅ 99.06% claim settlement
About Star Rural Micro Health Policy
A quick read on what this Star Health Insurance plan covers and why it might be a fit for you.
Star Micro Rural and Farmers Care is an individual and family floater plan with a sum insured of INR 1 Lakh and INR 2 Lakh 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 Insurance has designed a health plan called Star Micro Rural and Farmers Care. 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.
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
Every CMS-driven coverage flag from the plan wording — only items with a published value render below.
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
Video reviews
Walkthroughs from the PolicyX team — pros, cons, real claim experiences and who should buy.
Star Health Insurance Plan Detailed Review
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.
Inclusions & exclusions
What the plan pays for, and what it doesn't.
Exclusions
- Permanent diseases or health conditions that are not included under Star Micro Rural and Farmer Care plan:
- 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. Read the details below:
- Listed ailments after 6 Months
- Pre-existing diseases after 6 Months
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
Other features & benefits
- <ul> <li>No Pre-policy medical checkup</li> <li>Modern Treatments Covered</li> <li>Lifelong Renewal</li> <li>Up to INR 15,000 Cataract Cover</li> <li>ICU cover</li> </ul>
Star Rural Micro Health Policy: FAQs
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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