Star Criticare Plus Insurance
Objective
This policy aims to provide for hospitalisation expenses and pays a lump sum for critical illnesses covered herein.
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.
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.
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 |
Cost Details
| 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 | |||||
New Process Alert 
Seems like you've uploaded a wrong QR code. Please upload the QR code downloaded from MF Central platform.
