Star Criticare Plus Insurance Plan

It is a critical illness policy that provides hospitalisation benefits along with health insurance critical illness cover.

Features & Benefits of Star Criticare Plus:

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
  • Hospitalisation benefits with critical illness cover
  • Accidental benefit
  • Extensive critical illness cover
  • Hospital room
  • Emergency ambulance charges
  • Cost of medicines and drugs
  • Doctor’s fee
Critical illness cover
  • Major organ transplant
  • First time diagnosis of brain tumor, kidney disease, cancer and other major illness
  • Coma
  • Paraplegia
  • Quadriplegia
Key features
  • Coverage for both in-patient and out-patient treatment under one policy
  • Non allopathic treatments is available upto 25% of the sum insured per occurrence
  • Pre-existing diseases are covered after 48 months of continuous insurance
  • No medical screening required for candidates below the age of 50
Benefits
  • Ambulance charges for emergency transportation to hospital as per specified limits.
  • Tax benefits
  • Specific day care procedures
Additional benefits and discount
  • 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
  • 90 day waiting period to avail the benefits of the critical illness cover in the first year
  • Diagnostic and Naturopathy treatment expenses are not included
  • 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
  • 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

Read terms, conditions and exclusions mentioned in the policy document.

Find cashless network hospitals nearby: Star Health Network Hospitals

Also Read: Check Incurred Claim Ratio of Health Insurers

Also Read: Best Health Insurance Plans

Also Read: How to File a Claim with Star Health?

Other Health Insurance Plans from Star Health Insurance:

GST rate of 18% applicable for all financial services effective July 1, 2017.

Disclaimer: Premiums may vary depending upon factors like age, location and prevailing taxes/GST.

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