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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) 
Minimum18
Maximum65
Maximum Policy Renewal Age (years)70
Coverage TypeIndividual
Sum Insured (Rs) 
Maximum2 lakh (for senior citizens); 10 lakh for others
Minimum2 lakh
Policy Term (years)1
Tax BenefitPremium paid is eligible for tax benefit under section 80D of the Income Tax Act
DiscountFamily discount of 5% upto 2 members and 10% for more than 2 members
Grace Period for Policy Renewal15 days
Customer Service 
AddressStar 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 to1800 425 2255 (24 hour helpline) / 044 2826 3300
SMSSTAR to 56677
Additions to the Plan
Scope Of Cover
Cashless facilityAvailable at empanelled network hospitals in India
Re-imbursementAvailable if treatment taken at any non empanelled non network hospital
Pre hospitalisationCovered; upto maximum of 30 days prior to hospitalisation
Post Hospitalisationlumpsum calculated at 7% of the hospitalization expenses (excluding room charges) subject to a maximum of Rs.5,000
In-patient hospitalisationCovered
Room rent, boarding, Nursing expensescovered @ 2% of Sum Insured upto a maximum of Rs. 4,000 per day
Cost of medicines and Drugs, Fees for Doctor / Surgeon / Consultant / Anesthetistcovered
Emergency AmbulanceCovered for Rs 750 per hospitalisation upto maximum of Rs 1500 per policy period
Non Allopathic TreatmentsCovered upto 25% of Sum Insured per occurrence subject to maximum of Rs 25000 per policy period
Additional CoverPays a lumpsum on diagnosis of major disease for the first time
Cerebrovascular Accident/ Cardio vascular disease/ cancer and Breakage of bones, Renal ComplicationsCovered (maximum upto Rs 1.50 lakh for entry age between 60-65)
Hepatoma, Brain Tumourcovered (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 TreatmentNot Covered
Exclusions and Waiting Period
Pre existing diseasesCovered after 48 months (for basic cover only)
No claim periodAny disease contracted during the first 30 days of commencement of the policy
Waiting Period90 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-payment30% of each and every admissible claim for entry age between 60 and 65 years(except for major illnesses cover)
General ExclusionsCosmetic or beauty related treatmentsNaturopathy treatment
Annual Premium
Sum Insured (in Rs)
Age (in years)2000003000004000005000001000000
18-35375054007000840014600
36-45420060007680940016100
46-5564008900123001520022600
56-65755011600159001950028200
66-70*1115016200210502590035350
*premium for renewal only
Indicative premiums exclusive of service tax