userThe Micro Rural and Farmers Care insurance policy is a health insurance plan designed for rural residents and farmers to address hospitalisation expenses. Here’s a concise overview:
Plan Essentials:
1. Rural Policy: Tailored for farmers and rural communities to cover medical costs from illness or accidents.
2. Sum Insured:
Individual: ₹1,00,000.
Floater: ₹2,00,000 (covers self, spouse, and up to two dependent children).
3. Flexible Basis: Available as Individual or Floater for people aged 18–65 years; children aged 12 months–25 years are eligible under the Floater plan.
4. Day Care Procedures: Covers treatments/surgeries requiring less than 24 hours of hospitalisation.
5. PED Cover: Covers pre-existing diseases after a 6-month waiting period.
6. No Medical Examination: No pre-insurance screening required.
7. Instalment Options: Premiums can be paid quarterly, half-yearly, or annually.
Important Highlights:
1. Policy Term: One year, with lifelong renewal options.
2. Entry Age: 18–65 years for individuals; up to 25 years for dependent children in Floater plans.
3. In-Patient Hospitalisation: Covers hospitalisation for 24+ hours due to illness, injury, or accidents.
4. Room Rent: Up to 1% of the sum insured per day.
5. ICU Charges: Covered at actual costs.
6. Modern Treatments: Payable as per policy limits.
7. Cataract Treatment: Covered up to ₹10,000 per eye, ₹15,000 per policy period.
8. AYUSH Treatment: Covers inpatient expenses under Ayurveda, Unani, Siddha, and Homeopathy systems up to the sum insured.
9. Co-payment: 20% co-payment on all claims for individuals aged 61+ at the time of policy entry.
10. Day Care Procedures: Includes advanced treatments requiring less than 24 hours of hospitalisation.
Key Benefits:
- Lifelong renewal option ensures continued coverage.
- Affordable and tailored for rural and farming communities.
- Simplified eligibility and instalment-based premium payment options.
For detailed terms and conditions, refer to the policy document.
FAQs
Rahul Khanna
