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Star Corona Rakshak Health Insurance

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Star Health Insurance
Corona Rakshak Policy
Cashless Approval TAT90% Cashless claim settlement within 2 hrs
Claim Settlement Ratio89.90%
Network Hospitals14,000+
Pre-existing Disease Waiting Period1 year
Special BenefitsNo Extra Premium for Disease Coverage
Starting Premium for Rs. 5 lakhs SIRs. 410/month

About Star Corona Rakshak Health Insurance

The Corona Rakshak Policy offered by Star Health Insurance is an indemnity-based medical insurance plan to fight against COVID-19. The policy is designed to offer lump-sum benefit to Coronavirus positive policyholders, which will be equal to 100% sum insured. The plan is available on an individual basis and can be issued without any pre-acceptance medical screening. It gives coverage to people between the age group of 18 years and 65 years with the sum insured options of Rs. 50,000, Rs. 1 lakh, Rs. 1.5 lakh, Rs. 2 lakh, and Rs. 2.5 lakh. However, this plan neither comes with a renewal feature nor with any free look period.

The Star Health Corona Rakshak Health Insurance Plan comes with three policy terms such as 3.5 months (105 days), 6.5 months (195 days) and 9.5 months (285 days). If during this term of insurance, the insured person gets diagnosed with Covid-19 and requires at least 72 hours of continuous hospitalisation, then only the insurance provider gets entitled to pay a benefit of 100% of the chosen sum insured in a lump sum. It is a one-time benefit for the entire policy term and the plan will get terminated upon the payment of the lump-sum amount. However, an initial waiting period of 15 days is to be completed first to avail this health insurance policy.

Also read: COVID-19 Insurance

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Key Inclusions and Exclusions of the Plan

What's Included

  • Sum insured range up to Rs. 2.5 lakh
  • No pre-acceptance medical screening required for this policy
  • 100% sum insured amount on 72 hours of continuous hospitalisation
  • Policy term options for 3.5 months, 6.5 months and 9.5 months
  • Proposer can cover a family member without covering self

What's Not Included

  • Any diagnosis which not related and not incidental to COVID-19
  • Any COVID-19 treatment claim before or during the waiting period
  • Testing costs at an unrecognised center
  • Expenses related to any admission for diagnostics purpose
  • If policyholder travels to a nation that is restricted by government

9625 Star Cashless Network Hospitals in India

Corona Rakshak Policy User Reviews

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What users are saying
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  • I used the helpline number of InsuranceDekho to know which type of COVID 19 cover insurance I should choose si...

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    P
    By Prerna Bhanti
    On: Feb 10, 2021
  • I wanted to learn more about Corona Rakshak Policy from Star Health Insurance. I talked to the professionals o...

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    T
    By Tridha Mondal
    On: Nov 02, 2020

Star Corona Rakshak Policy Brochure

  • 1.52 MB
  • PDF Document
  • Jul 30, 2020

Claim Process at Star Health Insurance

  • Network Hospital
  • Non-Network Hospital
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 48 hours prior to admission.
  • 3

    Claim Processing

    Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
  • 4

    Claim Settlement

    Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 48 hours prior to admission.
  • 3

    Claim Processing

    Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
  • 4

    Claim Settlement

    Once your request for reimbursement of expenses is approved, the claim will be settled.

FAQs on Corona Rakshak Policy Health Insurance Plan

  • What are the sum insured options available under the Star Health Corona Rakshak Policy?

    The sum insured options under this Star Health Corona Rakshak Policy are of Rs. 50,000, Rs. 1 lakh, Rs. 1.5 lakh, Rs. 2 lakh, and Rs. 2.5 lakh. 

  • What should be my age to get covered under Star Health Corona Rakshak Policy?

    People between the age group of 18 years and 65 years are eligible to get coverage under this health insurance policy. 

  • What is the benefit offered by this Corona Rakshak Policy?

    The Corona Rakshak Policy promises to give a lump sum benefit equal to 100% of sum insured opted if the insured person tests positive for Covid-19 and requires to be admitted in the hospital for minimum 72 hours without break. 

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

    Yes, an initial waiting period of 15 days is applicable from the date of commencement of this Star Health Corona Rakshak Policy.

  • Does any tax benefit applicable under this Corona Rakshak Health Insurance Plan?

    Yes, payments made for the premium amount of this plan through any payment method other than cash is eligible for tax relief under section 80D of the Income Tax Act 1961.

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