Star Criticare Plus Insurance
This policy aims to provide for hospitalisation expenses and pays a lump sum for critical illnesses covered herein.
Anyone between 18 and 65 years of age can buy this policy.
What does it do?
This is a triple-benefit policy that covers medical expenses for non-allopathic treatments, treatments taken in a hospital and any stated critical illness. All benefits have been capped to certain limits.
It offers a family discount on including two or more members under the same policy.Premium paid under the policy qualifies for deduction under section 80D of Income Tax Act. It covers non-allopathic treatment expenses as well.
The policy covers only up to 70 years of age.There is a co-payment clause for those entering between age 60 and 65.
Each benefit is capped to sub-limits. Policyholder should look for policies without limits. Even senior citizens should go for plans specially designed for them to enjoy a wider coverage till lifetime.
|Entry Age (years)|
|Maximum Policy Renewal Age (years)||70|
|Sum Insured (Rs)|
|Maximum||2 lakh (for senior citizens); 10 lakh for others|
|Policy Term (years)||1|
|Tax Benefit||Premium paid is eligible for tax benefit under section 80D of the Income Tax Act|
|Discount||Family discount of 5% upto 2 members and 10% for more than 2 members|
|Grace Period for Policy Renewal||15 days|
|Address||Star Health and Allied Insurance Company Limited|
Corporate Office: No.1, New Tank Street,
Valluvar Kottam High Road, Nungambakkam,
Chennai - 600034.
|Mail to||[email protected], [email protected]|
|Call to||1800 425 2255 (24 hour helpline) / 044 2826 3300|
|SMS||STAR to 56677|
Additions to the Plan
|Scope Of Cover|
|Cashless facility||Available at empanelled network hospitals in India|
|Re-imbursement||Available if treatment taken at any non empanelled non network hospital|
|Pre hospitalisation||Covered; upto maximum of 30 days prior to hospitalisation|
|Post Hospitalisation||lumpsum calculated at 7% of the hospitalization expenses (excluding room charges) subject to a maximum of Rs.5,000|
|Room rent, boarding, Nursing expenses||covered @ 2% of Sum Insured upto a maximum of Rs. 4,000 per day|
|Cost of medicines and Drugs, Fees for Doctor / Surgeon / Consultant / Anesthetist||covered|
|Emergency Ambulance||Covered for Rs 750 per hospitalisation upto maximum of Rs 1500 per policy period|
|Non Allopathic Treatments||Covered upto 25% of Sum Insured per occurrence subject to maximum of Rs 25000 per policy period|
|Additional Cover||Pays a lumpsum on diagnosis of major disease for the first time|
|Cerebrovascular Accident/ Cardio vascular disease/ cancer and Breakage of bones, Renal Complications||Covered (maximum upto Rs 1.50 lakh for entry age between 60-65)|
|Hepatoma, Brain Tumour||covered (maximum upto Rs 1.20 lakh for entry age between 60-65)|
|Major Organ Transplant|
|Cerebro-Vascular Stroke causing Hemiplegia, Acute Myocardial Infarction resulting in Left Ventricular Ejection Fraction of < 25%|
|Established irreversible Coma|
|Established irreversible Paraplegia|
|Established irreversible Quadriplegia|
|Out-patient Treatment||Not Covered|
|Exclusions and Waiting Period|
|Pre existing diseases||Covered after 48 months (for basic cover only)|
|No claim period||Any disease contracted during the first 30 days of commencement of the policy|
|Waiting Period||90 days from date of inception of policy in case of major illnesses cover.certain diseases such as cataract, varicose veins and varicose ulcers etc will be covered after 2 years.Certain diseases such as hernia, piles sinusitis etc. shall be covered after 1 year.|
|Co-payment||30% of each and every admissible claim for entry age between 60 and 65 years(except for major illnesses cover)|
|General Exclusions||Cosmetic or beauty related treatmentsNaturopathy treatment|
|Sum Insured (in Rs)|
|Age (in years)||200000||300000||400000||500000||1000000|
|*premium for renewal only|
|Indicative premiums exclusive of service tax|