Star Health Insurance for Kids

Star Care Mirco Insurance Policy is a health insurance policy by Star that is designed specifically for kids and their parents. This policy provides coverage for kids along with their parents if they (kids) are aged at least 2 years. It covers individuals as well as families. On purchasing a family floater policy, you can get your entire family covered with a sum insured of Rs. 1,00,000. Proposer, spouse and economically dependent children up the age of 25 years can be covered in the family floater plan.

Key Features

• After 65 years of age, only renewals are possible
• Children of a minimum of 2 years of age can be covered along with their parents
• There is no pre-acceptance medical screening required
• Pre-existing diseases are covered after a waiting period of 48 months
• The facility of maintaining health records in electronic format
• Lifelong renewal of the policy
• Portability feature provided
• Free look period of 15 days

Scope of Coverage

• 30 days pre-hospitalisation expenses covered up to a certain limit
• 60-days post-hospitalisation expenses covered up to a certain limit
• The benefit of hospital cash (if treatment is done in a Government hospital)
• Room, boarding nursing expenses covered
• ICU charges covered up to a certain limit
• Pre-existing diseases are covered after a waiting period of 48 months
• Emergency ambulance charges covered up to a certain limit
• 405-day care treatments

Eligibility

Anyone who is aged between 18 years and 65 years can purchase this policy.

Exclusion

• Pre-existing diseases are not covered until 48 months from the date of inception of the policy
• Dental treatment or surgery is excluded unless required due to the occurrence of an accident
• Injury or disease directly/indirectly caused because of nuclear weapons/materials
• Any injury caused due to an intention of self-harm
• Any transplant and related surgery

To know more about the risk factors, or terms and conditions, get in touch with the customer care executives at InsuranceDekho.com on 1800 1205 698 or read the policy wording thoroughly.