Star Health Micro Care Insurance Policy 2025

India now needs health insurance since medical expenses are rising and people are non-predictable when it comes to sickness. The micro health insurance plans are game changers to those consumers who require simple, low-premium and accessible alternatives. For the purpose the Star Health Micro Care Insurance Policy is meant to be more specific to people and families in the sector of low income or rural areas so that basic healthcare is not out of reach by anyone.

This is our complete guide on the Micro Care Insurance Policy by Star Health. We are going to simplify this policy under its terms of feature, benefits, exclusions, eligibility of the scheme, process of purchasing, process of claiming in a very simple manner, its terms and conditions and much more. If you’re searching for simple, affordable medical coverage or looking for reliable information about Star Health’s micro care solutions, you’ll find all you need right here.

What does Star Health Micro Care Insurance Policy entail?

The Star Health Micro Care Insurance Policy is a health insurance scheme aimed at offering a low-cost health insurance cover to the low income group, daily wage earners, and families mainly in those areas not so urbanised in India. Its policy targets to cover hospitalisation expenses and some day-care treatment without charging the policy holders excessive premiums or complicated wordings.

It is a fixed benefit policy, which, in other words, means that it will give you a certain amount of money pursuant to an event in your health. It is a simple structure that will require no effort on the part of a first-time buyer of a policy and an individual who is unfamiliar regarding insurance terminology.

Did you know?

Industry analysts predict that more micro health plans such as these will see the insurance gap being bridged in rural India in 2025 and millions of people will be increasingly financially secure as a result.

To whom can one sell the Star Health Micro Care Insurance Policy in 2025?

Every individual who fits the following requirements can choose this plan:

• Indians between 18 and 65 years.
• The dependent may comprise children between the age of 12 months and 25 years.
• All people, families, self groups, and non-governmental organizations can enroll.
• It does not necessitate any pre-policy medical screening and hence easy to insure whether you have limited documentation, poor access to medical healing facilities.

People also ask

• Is Star Health Micro Care purchased by seniors?
  No, age limit is adult, i.e. generally up to 65 years at entry time.

What is Covered under Star Health Micro Care Policy?

What are the Highlights or Highlights of the Policy?

The main characteristics of the Star Health Micro Care Insurance Policy of the year 2025 are mentioned below:

• Sum Insured Choices: Entailing a range of 50,000 INR to 1 lakh which is a basic requirement of healthcare.
• Hospitalisation Cover: Cover hospitalisation cost caused by disease, injury or accidents.
• Day-Care Treatments: Certain of these identified minor procedures or treatment that does not require 24 hour stay in the hospital.
• Pre and Post Hospitalisation: Pre-hospitalisation: Cover during a number of days prior to admission and post-hospitalisation: Cover during a short span upon leaving the hospital.
• Cashless Facility: Get the cashlessness facility in thousands of network hospitals in India.
• No Pre-Policy Medical Test: There is saving of the time of policyholder; it is suitable to those who have no prior insurance.
• Tax Advantage: The premiums paid are eligible to a tax deduction under Section 80D.
• Lifetime Renewability: A person may renew his/her policy provided payments are made on time.

More Highlights

• One can purchase policies on an individual basis or family floater basis.
• Easy filing of claims that are usually resolved between 7-15 working days.
• The lowest premium is few hundreds of rupees per annum with minimal cover.

Interesting Facts?

In the early part of the year 2025, Star Health has joined new network hospitals in rural districts and there was immeasurable growth of cashless care among micro policyholders.

What is Not Covered In Star Health Micro Care Policy?

As with any insurance cover, there are some exceptions:

• Pre-existing diseases (typically for the first 12–24 months)
• Cosmetic surgery costs
• Non-allopathic treatments
• Maternity and childbirth (unless specified)
• Outpatient consultations
• The dental, listening and seeing surgeries without the injury-related ones

People Also Ask

• Will Micro Care provide cover against COVID 19 in 2025?
  Yes, the treatment of the COVID 19-related hospitalisation is normally covered yet some terms may vary according to new updates by IRDAI.

What is the Process of Insurance Claim in Star Health Micro Care?

What is 2025 Claims Settlement Process?

Star health has made the claim process easier to micro care customers:

• Cashless Claim: submit your health card to the network hospital, get inpatient and the covered costs will be directly paid by the insurer.
• Reimbursement Claim: In case of visits to a non-network hospital, you should pay upfront; collect the original bills, and require documentation within 15 days after discharge to be processed in reimbursement.

Following Steps:

1. Inform Star Health at admission (toll-free or app).
2. In case of cashless select a network hospital.
3. Submit claim form and documents (bills, discharge summary, prescriptions).
4. Quick claim assessment and settlement in general and in most cases within 15 days.

Pro Tip:

Digital copies of all bills and discharge summaries should always be kept to prevent any form of postponement.

What will be the policy cost in 2025?

Star Health Micro Care Insurance Policy has been the exception owing to its low premiums. Here is a sample premium table for 2025 (indicative only):

• The premiums can be location specific and amount insured specific.
• GST as applicable by the Government.

Did You Know?

Star Health also lends its cooperation with microfinance banks in semi-urban regions where premiums may be paid through simple monthly instalments together with loan EMI.

The Key Benefits and Limitations of Star Health Micro Care are what?

So, what are the Pros and Cons of Star Micro Care Insurance?

Pros

• Low Costs: Suitable to rural families and low-income families.
• Cashless Hospitalisation: Wide network of hospitals is available.
• Easy System: No complicated documents, no pre-policy health check.
• Family Coverage: This is flexible to individuals or families.
• Fast Claim Settlement: The claims are mostly settled within two weeks.

Cons

• Limited Sum Insured: this is inappropriate in expensive treatments.
• Coverage Limitations: Limitations imposed to a variety of procedures and diseases.
• No OPD Coverage: Out of Hospital expenditure is usually not covered.
• New Insurance Performance: There is no exception to the accident, a 30-day waiting period.

People Also ask

• What is the process of status on my claim?
  It can be through Star Health portal login or through their mobile app.

What Makes Star Health Micro Care Policy Unique Among other Micro Insurance Policies?

Micro Care Insurance Star Health vs Others in 2025

*Based on data from leading micro insurance players in 2025.

Expert Insight

Insurance experts recommend people not to select a micro insurance policy based on the premium price alone; but based on other factors, such as ratio of claim settlement and reach of the hospital network.

To whom is The Star Health Micro Care Insurance Policy Suitable?

Is This Policy Suitable to You?

Assuming that you are:

• A laborer, a farmer, a small business owner, or a member of a low income bracket.
• Residing in the rural or semi-urban area, with the shortage of corporate health schemes.
• I am seeking simple hospitalisation cover at an affordable premium.
• Does not require coverage on advanced treatments, OPD or international treatment.

Later the Star Micro Care plan will be a good option of your sort in the year 2025.

You Do Know?

According to government researches, micro health insurance has minimized the percentage of people who drop below the poverty index due to unforeseen medical occurrences.

Frequently Asked Questions (People Also Ask)

• In 2025, will I be able to purchase the policy online?
  Yes, the whole process can be done through the use of the star health website or through their official app.

• Do you have any mandatory co-payment?
  The base plan is normally a co-payment free plan although do make sure the policy wording provides covers.

• What will be the documents to buy the policy?

  • ID Proof (Aadhaar Card, Voter ID)
  • Age proof
  • Address proof
  • Basic medical declaration (self-attested)

• Will I be able to renew the policy when I am over 65?
  The renewals can extend past 65 in cases where the policy is maintained without any lapses.

• Can you add anything on?
  There are some add-ons such as critical illness protection or accident benefit, which can be supplied at an extra cost.

What is the process of purchasing Star Health Micro Care insurance policy in 2025?

• Enter the official site of Star Health, contact a local agent or their mobile app.
• Online application is simple with the application form to be filled and select the type and sum insured coverage.
• Online payment or agent-based offline mode is available to upload documents.
• Your e-policy will be sent to your email instantly or within 2-3 working days.

TL;DR or Short summary

• Star Health Micro Care Insurance Policy is a plan that provides basic hospitalisation cover on exceptionally low premiums.
• It would be best applied and utilized by low-income households, Rural people, and daily wage-earners in 2025 in India.
• Includes hospitalisation, some in-day-care services, and it is accompanied by cash-free hospitalisation.
• Purchased, renewed and claimed easily and no medical examination prior to policy is necessary.
• It has a fast procedure, pronounced advantages, and certain restrictions of the cover. Don’t forget to read the small print.

People Too Ask: Fast FAQ

• What is Star Health Micro Policy waiting period?
  In most cases 30 days on non-accident cases.

• Is it possible that I purchase the policy on behalf of my parents who are above 60?
  Yes, one can get up to 65 years of entry, and it is renewable continually.

• Does this include pre-existing illness beginning at the first day?
  No, these are excluded not less than 12 or 24 months.

• Does this policy exist all over India?
  Yes, cover is provided all over India and a rich network of hospitals.

Source:
To read more go to Star Health Micro Care Official Policy Page.
Additional info and premium tables based on IRDAI, Star Health and insurance industry data (2025).