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| Micro Insurance in India (Star Health & Allied Insurance) |
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In the recent years the term Micro Insurance has become popular. The concept is to provide insurance (including health insurance) to people living in rural area and that too below poverty line. |
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| The product details of Star Micro Rural and Farmers Care (introduced by Star Health & Allied Insurance) are :
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Healthcare is the most significant wealth for people in all professions, mainly rural populations, where access to quality healthcare can be challenging. For farmers, who play an essential role in the economy, it might be difficult for some of them to spend on their health needs while having a lower bank balance after they spend on their agricultural needs. The right way to meet the healthcare needs of farmers is to select a suitable health insurance policy.. |
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| According to the United Nations Food and Agriculture Organisation (FAO), nearly 70% of India's population depends on agriculture, prioritizing farmers' healthcare. |
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| Star Micro Rural and Farmers Care |
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Star Micro Rural and Farmers Care is an innovative insurance policy tailored by Star Health and Allied Insurance to provide affordable health coverage to farmers and rural people. It ensures financial security against medical costs like hospitalization, daycare procedures, surgery, modern treatments, or AYUSH treatments (Ayurveda, Yoga, Unani, Siddha, and Homeopathy). The Star Micro Rural and Farmers Care covers rural households and is available individually and as a floater. |
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| Total expenses payable under all heads are limited to Rs. 15000/- per hospitalisation and to Rs. 30000/- per policy period. |
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| What is the Star Micro Rural and Farmers Care? |
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| Star Micro Rural and Farmers Care is a policy mainly made for farmers and rural people to help them efficiently meet their hospitalization expenses due to accidents or illnesses. Star Micro Rural and Farmers Care covers the health needs of farmers and their family members. Star Micro Rural and Farmers Care eligibility is for the age group of 18 to 65 years and dependent children from 12 months to 25 years. The farmer's family covered in this plan includes the farmer, the farmer's spouse, and only up to two dependent children. This plan ensures that farmers and rural individuals can access quality healthcare without any worry. |
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| Star Micro Rural and Farmers Care policy offers a sum insured of 1,00,000 for individuals and 2,00,000 for floater plans, covering all the necessary medical expenses. It is specially designed to meet the healthcare needs of rural populations by offering them cashless hospitalization at network hospitals and hassle-free reimbursement options for non-network hospitals. |
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| Benefits of Star Micro Rural and Farmers Care |
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| As per the micro rural and farmers care eligibility, one can avail of the Star micro rural and farmers care benefits. The benefits of the Star Micro Rural and Farmers Care are given below: |
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Hospitalization Expenses:
- Room, boarding, and nursing charges (up to 1% of the sum insured daily).
- ICU charges, operation theatre bills, blood transfusion, oxygen, and medication costs.
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Pre and Post-Hospitalization Costs:
- Medical costs received up to 30 days before hospitalization and 60 days after discharge.
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Surgical Costs
- Surgeons, medical practitioners, consultation, and specialist fees are covered.
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Daycare Procedures:
- Coverage for medical expenses that require hospitalization for less than 24 hours.
- Modern treatments such as robotic surgeries, oral chemotherapy, and stem cell therapy are covered with sub-limits.
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AYUSH Treatments:
- Provides coverage for treatments under Ayurveda, Unani, Siddha, and Homeopathy (AYUSH) in recognized hospitals.
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Cataract Treatment:
- The epenses covered Rs. 10,000 per eye and Rs. 15,000 per policy period.
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