Star Novel Coronavirus (COVID-19) Health Insurance
Cashless Approval TAT | 90% Cashless claim settlement within 2 hrs |
Claim Settlement Ratio | 89.90% |
Network Hospitals | 14,000+ |
Pre-existing Disease Waiting Period | 1 year |
Special Benefits | No Extra Premium for Disease Coverage |
Starting Premium for Rs. 5 lakhs SI | Rs. 410/month |
About Star Novel Coronavirus (COVID-19) Health Insurance
Star Novel Coronavirus (nCov) (COVID-19) Insurance Policy is an affordable health care policy for you and your loved ones in case of COVID-19 (novel coronavirus). It is a pilot policy launched by Star Health And Allied Insurance to provide a lump sum benefit to the insured in case he/she gets diagnosed with novel coronavirus (COVID-19). But the benefit is only offered if hospitalisation is involved. The policy is offered on an individual sum insured basis for sum insured options of Rs. 21,000 and Rs. 42,000.
You can buy the policy for utmost protection in the time of pandemic, if you are aged between 18 years and 65 years. The good news is that you can also include dependent children under this policy if they are aged between 3 months and 25 years, for which at least one parent should be covered under the policy. Available for a term of one year, the policy comes with a waiting period of 16 days, only after which the benefits can be availed. In short, the policy offers the much-needed cover in the case of novel coronavirus.
Also read: COVID 19 Insurance
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Key Inclusions and Exclusions of the Plan
What's Included
- Lump sum benefit if you get hospitalised and diagnosed positive with Novel Coronavirus (nCoV) (COVID-19)
- People between 18 years and 65 years of age can buy this policy
- The policy can be purchased on individual sum insured basis
- The policy is available for a term of 1 year
- You can opt for sum insured of Rs. 21,000 or Rs. 42,000
What's Not Included
- No expenses will be covered if there is no in-patient hospitalisation, whether quarantined or not
- No illness, sickness or disease is covered other than the novel coronavirus disease
- Any claim related to the novel coronavirus contracted prior to the commencement of the policy
- Any claim made during the waiting period
- Expenses related to dietary supplements are not covered
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FAQs on Star Novel Coronavirus (nCov) (COVID-19) Insurance Health Insurance Plan
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What is the waiting period under Star Novel Coronavirus (nCov) (COVID-19) Insurance Policy?
Star Novel Coronavirus (nCov) (COVID-19) Insurance Policy comes with an initial waiting period of 16 days. During this, no claim will be admissible.
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What is the premium applicable for Star Novel Coronavirus (nCov) (COVID-19) Insurance Policy?
For Star Novel Coronavirus (nCov) (COVID-19) Insurance Policy, you are required to pay a premium of Rs. 299+GST and Rs. 598+GST for sum insured of Rs. 21,000 and Rs. 42,000 respectively.
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What are the documents required for claim under Star Novel Coronavirus (nCov) (COVID-19) Insurance Policy?
You are required to submit the following documents in case of claim under Star Novel Coronavirus (nCov) (COVID-19) Insurance Policy:
- Duly filled and signed claim form
- COVID-19 test report that confirms positive existence of the illness, from the authorised centers
- Copy of Aadhaar Card or any other ID card issued by the government
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Can I avail tax benefits on the premium paid for Star Novel Coronavirus (nCov) (COVID-19) Insurance Policy?
Yes. The premiums paid for Star Novel Coronavirus (nCov) (COVID-19) Insurance Policy are eligible for tax benefits under Section 80D of the Income Tax Act, 1961.