Star Health Insurance

Star Health Corona Rakshak insurance

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Star Corona Rakshak health insurance - highlights

  • 100% Lump-sum on positive diagnosis of COVID by Govt authorized centre.
  • Minimum of Rs.50,000/- to Maximum of Rs.2,50,000/-
  • Covered for Individual
  • Star Corona Rakshak policy shall be offered with a policy term of 3 ½ months, 6 ½ months and 9 ½ months

Star Health insurance review

Star Health Insurance
Star health insurance sum insured
1 lac − 100 lacs options available
Incurred Claims Ratio *
95.00%
Star health insurance tenure options
1, 2, 3 years options available
Claims Settlement Ratio **
76.61%
List of network hospitals
12,000+ hospitals
Number of policies issued *
6,398,761
Maximum family floater coverage
Self, Spouse + 3 dependent children
Number of lives covered *
18,922,815
* As per IRDAI report for 2020-21   |   ** As per NL25 data published on the Insurance Company website

Star Corona Rakshak health insurance review

  • Eligibility
  • Benefits
  • Claims
  • How to buy
  • Exclusions

Eligibility of Star Corona Rakshak Health Insurance

  • Minimum entry age shall be 18 years and maximum age at entry shall not be less than 65 years

Benefits of Star health Corona Rakshak Insurance

Particulars Details of the Plan
Plan Variants COVID 19 Standard Benefit based health policy, Corona Rakshak will have No plan variants.
Individual Basis Corona Rakshak shall be offered on Individual basis only.
Category of Cover The cover shall be made available on Benefit basis with Coverage to be equal to Lump sum benefit of 100% of the Sum Insured shall be payable on positive diagnosis of COVID, requiring hospitalization for a minimum continuous period of 72 hours.
Minimum and Maximum Sum Insured Minimum Sum Insured : ₹50,000/- (Fifty Thousand only)
Maximum Sum Insured : ₹2,50,000(Two lacs and Fifty Thousand only)
(in the multiples of fifty thousand)
Policy Period Corona Rakshak policy shall be offered with a policy term of
  • Three and half months (3 ½ months) – 105 days
  • Six and half months (6 ½ months) - 195 days
Nine and half months (9 ½ months) - 285 days
Modes of premium payment Single premium payment mode shall only be allowed.
Entry age Minimum entry age shall be 18 years and maximum age at entry shall not be less than 65 years
Benefit Structure / Termination On payment of 100% of sum insured the policy shall be terminated.
Waiting Period 15 days
Renewal, migration and portability Not applicable to this product.
Tax Benefits As per Section 80D, Income Tax Act 1961


Claims Procedure for Star Health Corona Rakshak Insurance Policy

The insured person shall submit all relevant documents to the company within 30 days from date of discharge from the hospital.
Documents to be submitted for claim:
  • Duly filed & signed claim form
  • Copy of insured person's passport, if available(all pages)
  • Photo Identity proof of patient(if insured person does not own a passport)
  • Medical practioner's prescription advising admission
  • Discharge summary including complete medical history of the patient along with other details
  • Investigation reports including Insured Person's Test Reports from Authorized diagnostic center for COVID
  • NEFT details and cancelled cheque
  • KYC of the proposer, where claim liability is above Rs 1 Lakh as per AML Guidelines
  • Any other relevant document required by company for assessment of the claim.

How can one Buy a Star Health Insurance cover?

Today in the India market, it is not very difficult to purchase an appropriate Health insurance plan, on the contrary it is relatively simple if one follows the defined steps below:
  • Step 1- Visit a product comparison website like eindiainsuranceto review and compare policy benefits, coverage and premium details online
  • Step 2 - Seek information and clarity on the charges, inclusions, exclusions, other terms and conditions under the policy
  • Step 3 - Fill the online Star Health Insurance proposal form stating your personal details and health profile while ensuring the information given is complete and accurate
  • Step 4 – Star Health will then process the application forwarded to them. Based on the information provided, one may be required to undergo pre-policy medical examination at Star Health’s network diagnostic centers.
  • Step 5 - Depending on Star Health team’s evaluation, if the proposal is accepted, then they will issue the policy subject to receipt of annual single premium as published on the website and remitted online through the payment gateway
  • Step 6 - Please note that the proposer will have to pay the necessary amount for undergoing the specified medical examination and such tests shall be valid for a maximum period of 30days only…however, if the policy is issued we will refund you 100% of the cost of the pre-policy medical examination
  • Step 7 - The Policy Schedule, Policy Wordings, Cashless Cards and Health Guide will be sent to the insured’s mailing address mentioned on the proposal form

Exclusions under the Star Health Corona Rakshak Insurance

There are certain exclusions that apply to claims filed under Corona Rakshak Policy. The insurer is not liable to pay under the following circumstances:
  • If there are any diagnostic expenses made which are not related to COVID, then those expenses will not be covered in this policy.
  • If a person is tested COVID +ve before the start of the policy, then this person cannot file a claim to the company.
  • If a person is getting testing done related to COVID in diagnostic centers that are not authorized by the government then the expenses incurred will not be covered under this policy.
  • If the insured person travels to any country placed under travel restriction by the government of India the insured person will not get the benefit under this policy if the insured person tests +ve for COVID-19.
  • Treatment or Diagnostic Tests received overseas related to Covid 19.

FAQs for Star Health Corona Rakshak medical insurance for Covid19

You can avail coverage from ₹50,000/- (Fifty Thousand) to ₹2,50,000 (Two Lacs Fifty Thousand) under Rakshak plan, a specific health insurance policy for coronavirus treatment. The policy can be bought on Individual basis only.

What is the need for a separate Covid health insurance policy ?

An Individual can avail this policy to take care of their treatment expenses arising out of Covid-19 and avoids out of pocket expenses. In the case of existing health insurance policyholders, holding an additional Covid-specific policy would make the coverage more comprehensive. Unlike a basic health insurance policy, a Covid specific policy covers medical treatment incurred during home quarantine and at Covid care centres, even if it does not ultimately lead to hospitalisation. Additionally, the policy covers expenses towards PPE's, masks, gloves, oximeters, oxygen cylinders, nebulisers, AYUSH treatment etc.

This plan will cover the medical expenses incurred for hospitalisation of the insured person during the Policy period for the treatment of Covid-19 on positive diagnosis of the condition in a government authorized diagnostic centre including the expenses incurred on treatment of any co-morbidity along with the treatment for Covid-19 up to the Sum Insured specified in the policy schedule, for

  • Room Rent, Boarding, Nursing Expenses as provided by the Hospital/ Nursing Home.
  • Intensive Care Unit (ICU) / Intensive Cardiac Care Unit (ICCU) expenses.
  • Surgeon, Anaesthetist , Medical Practitioner , Consultants, Specialist Fees whether paid directly to the treating doctor / surgeon or to the hospital.
  • Anaesthesia, blood, oxygen, operation theatre charges, surgical appliances, ventilator charges, medicines and drugs, costs towards diagnostics, diagnostic imaging modalities, PPE Kit, gloves, mask and such similar other expenses.

This policy can be availed by persons between the age of 18 Years and 65 Years, as Proposer.

Three and half months (3½ months), Six and half months (6½ months), Nine and half months (9½ months) including waiting periods are the tenure options.

You can proceed with the claim if you test positive with COVID-19 at any of the government authorized diagnostic Centre. Once you receive the report you can inform the insurer and can proceed with the claim.

Can I buy Corona Rakshak Covid19 health insurance policy online?

Yes, you can buy Corona Rakshak Policy Online from eindiainsurance .You can select the policy from any of the insurance providers as per your preference, make the payment and receive the policy over e-mail.

Is there any waiting period applicable to Star Health Corona Rakshak Policy?

Yes, this policy comes with a waiting period of 15 days and you can only file a claim after completion of 15 days.

Yes, Corona Rakshak health insurance policy covers comorbidities and pre-existing comorbidities. This is however subjective to each insurance company, so check the policy wordings before making a decision.

Yes. You can avail a tax benefit available under Section 80D of the Income Tax Act 1961 by buying a health insurance policy. Every taxpayer can avail an annual deduction of Rs. 15,000 from his/her taxable income for premium for self, spouse and dependent children. For senior citizens, this amount is Rs. 20,000. Please note that you will have to show the proof of payment of premium. (Section 80D benefit is in addition to the exemption of Rs 1,50,000 under Section 80 C). Tax benefits are subject to changes in the tax laws, please consult your tax advisor for more details.

Brochure

Review Star health Corona Rakshak insurance - Comprehensive brochure to understand coverage details.

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Proposal form

Fill the online Star health Corona Rakshak proposal form.


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Policy wordings

Review Star health Corona Rakshak insurance - Comprehensive policy wordings which explains the terms and conditions.

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CIN: U66000KA2018PTC117713 | IRDAI Web aggregator License Code Number: IRDAI / INT / WBA /53/ 2018, Valid till 07/08/2025
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