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Micro Insurance India
Micro Insurance in India (Star Health & Allied Insurance)
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.
The product details of Micro Insurance (introduced by Star Health & Allied Insurance) are :
Micro Insurance
Individual policy covers individuals of age group between 5 years and 50years residing in places within India where the population as per the latest census of India does not exceed 5 lacks for treatments taken in any Hospital/ Nursing home as an in-patient within the Republic of India.
Persons above 50 years may be covered subject to discretion of the company. Completed age of the individual will be taken into account for calculating the premium.
Hospitalisation cover - In patient hospitalisation expenses for a minimum of 24 hours, includes room rent, boarding and nursing expenses with maximum limit of Rs.150/- per day subject to Rs. 5000/- per hospitalisation.
Surgeon's fees, Consultant's fees, Anesthetist's fees upto a maximum of Rs. 4500/- per hospitalisation.
Cost of blood, oxygen, diagnostic expenses, cost of pace-makers, artificial limbs, cost of medicines and drugs, etc subject to a maximum of Rs. 4500/- per hospitalisation.
Emergency ambulance charges for transporting the insured patient @ Rs. 350/- pre hospitalisation and Rs. 1000/- per policy period.
Total expenses payable under all heads are limited to Rs. 15000/- per hospitalisation and to Rs. 30000/- per policy period.
How much to pay :
Age band Premium (Exclusive of ST) per annum in Rs
5 yrs - 25 yrs 275
26 yrs - 35 yrs 350
36 yrs - 45 yrs 425
46 yrs - 50 yrs 500
Can this policy be taken by a Group :
Yes, All Group Policies are eligible for a maximum discount of 5% for a group exceeding 100 members.
I.T. Benefit:
Premium paid by cheque is eligible upto Rs. 10000/- for relief under Section 80-D of the Income Tax Act
What cannot be claimed :
Expenses incured for treatment of any illness/disease/condition, which is pre-existing at the time of commencement of insurance.
Any expenses incurred for treatment of illness/disease/sickness contracted by the insured person during the first 30 days from the commencement of the policy.
First Year Exclusions - Hernia, Piles, Hydrocele, Congenital Internal disease/defect, Sinusities, Gall Stone / Renal Stone removal / treatment.
Two Years Exclusions - Hysterectomy, Cataract, Knee Replacement Surgery (other than caused by accident), Joint Replacement Surgery (other than caused by accident), Prolapsed Intervertebral Disc, Varicose veins / ulcers.
Naturopathy treatment
Expenses, which are purelydiagnostic in nature with no positive existence of any disease.
Expenses that are mainly cosmetic in nature
Treatment arising from or traceable to pregnanacy, childbirth, miscarriage, abortion or complications or any of these including caesarian section.
Beginning of Health Insurance Companies in India was made during 2006. Star Health is the first Health Insurance Company and it has started with products. Salient points of their products are :-
  • Cashless service without TPA intervention - the USP of the Company.
  • direct tie-up with hospitals on All India basis (Means not using TPA's)
  • 24 hours General Practitioner's advice and medical counseling
  • 24X7 In-house call centre
  • Toll free Telephone line assistance
  • Some other products of Star Health for individual/families are as follows:
Scheme Age - Group
Medi - Youth 5 months to 35 years
Medi - Guard 36 years to 45 years
Medi - Suraksha 46 years to 65 years
Medi - Gold Beyond 65 years upto 80 years
Family Package Available for family members From 5 months to 40 years.
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