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Star Criticare Plus Insurance

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
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