Star Criticare Plus Insurance Plan

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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)
Minimum		18
Maximum		65
Maximum Policy Renewal Age (years)		70
Coverage Type		Individual
Policy Term (years)		1
Sum Insured (Rs)
Maximum		2 lakh (for senior citizens); 10 lakh for others
Minimum		2 lakh
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		support@starhealth.in, info@starhealth.in
Call to		1800 425 2255 (24 hour helpline) / 044 2826 3300
SMS		STAR to 56677

 

	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

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