Invest In Tax Saving Mutual Funds Online
Star Criticare Plus Insurance
| Objective | This policy aims to provide for hospitalisation expenses and pays a lump sum for critical illnesses covered herein. |
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| Suited for | Anyone between 18 and 65 years of age can buy this policy. |
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| 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. |
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| 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. |
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| 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. |
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| 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. |
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| 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 | ||||||
| Mail to | |||||||
| 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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Invest in Tax Saving Mutual Funds ( ELSS Mutual Funds ) to upto Rs 1 lakh and Save tax under Section 80C.
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