Star Criticare Plus Insurance
Objective
This policy aims to provide for hospitalisation expenses and pays a lump sum for critical illnesses covered herein.
Suited for
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.
Pros
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.
Cons
The policy covers only up to 70 years of age.There is a co-payment clause for those entering between age 60 and 65.
Our View
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.
Eligibility
| Entry Age (years) | |
| Minimum | 18 |
| Maximum | 65 |
| Maximum Policy Renewal Age (years) | 70 |
| Coverage Type | Individual |
| Sum Insured (Rs) | |
| Maximum | 2 lakh (for senior citizens); 10 lakh for others |
| Minimum | 2 lakh |
| 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 |
| Customer Service | |
| 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 |
| In-patient hospitalisation | Covered |
| 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 |
| Annual Premium | ||||||
| Sum Insured (in Rs) | ||||||
| Age (in years) | 200000 | 300000 | 400000 | 500000 | 1000000 | |
| 18-35 | 3750 | 5400 | 7000 | 8400 | 14600 | |
| 36-45 | 4200 | 6000 | 7680 | 9400 | 16100 | |
| 46-55 | 6400 | 8900 | 12300 | 15200 | 22600 | |
| 56-65 | 7550 | 11600 | 15900 | 19500 | 28200 | |
| 66-70* | 11150 | 16200 | 21050 | 25900 | 35350 | |
| *premium for renewal only | ||||||
| Indicative premiums exclusive of service tax | ||||||
