Star Criticare Plus Insurance Plan

Entry age

Minimum age: 18 years Maximum age: 65 years

Maximum age for renewal

70 years

Policy term

1 year

Type of plan

Individual health insurance

Sum Insured

Minimum- Rs.2 lakh Maximum- Rs.2 lakh for senior citizens. Rs.10 lakh for others

Cover

1. Hospitalisation benefits with critical illness cover
2. Accidental benefit
3. Extensive critical illness cover
4. Hospital room
5. Emergency ambulance charges
6. Cost of medicines and drugs
7. Doctor's fee

Critical illness cover

1. Major organ transplant
2. First time diagnosis of brain tumor, kidney disease, cancer and other major illness
3. Coma
4. Paraplegia
5. Quadriplegia

Key features

1. Coverage for both in-patient and out-patient treatment under one policy
2. Non allopathic treatments is available upto 25% of the sum insured per occurrence
3. Pre-existing diseases are covered after 48 months of continuous insurance
4. No medical screening required for candidates below the age of 50

Benefits

1. Ambulance charges for emergency transportation to hospital as per specified limits.
2. Tax benefits
3. Specific day care procedures

Additional benefits and discount

1. 5% discount for up to 2 members of the family and 10% discount for more than 2 members covered under the family floater plan

Tax benefits

Tax benefits under section 80D of the Income Tax Act

Free look period

A free look period of 15 days from the date of receipt of the policy is available for reviewing the policy terms and conditions. In case insured is not satisfied they can seek cancellation of the policy and in such event the company will allow refund of premium after adjusting the cost of the expenses incurred at the time of .

Exclusions

1. 90 day waiting period to avail the benefits of the critical illness cover in the first year
2. Diagnostic and Naturopathy treatment expenses are not included
3. Certain diseases are excluded in the first year of operation like Fistula in anus, Piles, Sinusitis and related disorders, congenital internal defects, removal of gallstones and renal stone, Benign Prostate Hypertrophy, Hernia, Hydrocele
4. Some diseases such as knee replacement surgery, cataract, hysterectomy for menorrhagia, prolapse of intervertebral disc and varicose ulcers are excluded for the first two years