Star Criticare Plus Insurance Policy

This plan offers many benefits to its policyholders, which can be divided into Section 1 and Section 2. In Section 1, the policyholder gets insurance cover for an inpatient hospitalization, cost of medicines and drugs, charges for an emergency ambulance, cost of non-allopathic treatment, etc. On the other hand, in Section 2, the policyholder is offered benefits for the non-survival period, however, the waiting period is applicable, and with hospitalization expenses offered in Section 1and lump-sum compensation and so on are provided.

Eligibility Criteria:

• Any person falling in the age group of 18 years and 65 years is eligible to take this plan.
• The sum insured for Star Criticare Plus Insurance policy is according to the covered individual member.

Inclusions:

• Under Section 1 of the policy, some day-care processes are covered up to a certain limit, which is applicable under Section 1 of the policy.
• Expenses of non-allopathic treatments are covered but up to a specific limit.
• Ambulance charges are also covered but up to a specific limit.
• Pre hospitalization expenses for 30 days before the hospitalization are covered.
• Expenses of post-hospitalization are as well covered and are paid as a lump sum after the policyholder gets discharged from the hospital.
• The major diseases that are covered under Section 2 of the policy are:
  • Chronic Kidney Disease, Cancer, Brain Tumour that is undergoing for the first time.
  • Acute Myocardial Infarction, Cerebro-Vascular Stroke that has caused Hemiplegia, Established irreversible coma, Established irreversible Quadriplegia, Established irreversible Paraplegia.
  • Major organ transplant, occurring for the first time.

Exclusions:

• The expenses related to contact lenses, spectacles, hearing aids, crutches wheelchair, walker, etc. are not covered.
• Treatment through naturopathy is not covered.
• Hospital registration charges, admission charges, etc. are not covered.
• Dental treatment, surgery unless is needed because of an accidental injury and that needs hospitalization.
• Expenses of refractive error correction, Lasik Laser, are as well excluded.

Features & Benefits:

• Provides critical illness cover for nine major critical diseases.
• The facility of lump-sum payment is also provided upon the diagnosis of a critical illness.
• The expense for non-allopathic treatments up to a specific limit is also offered.
• The plan has a lifelong renewability feature.
• Upon payment of the lumpsum amount, the insurance cover continues until the policy expires for regular hospitalization.
• Policy Benefits Under Section 1:
  • Expenses of in-patient hospitalization for a minimum of 24 hours are covered. This includes rent of the room, nursing and boarding expenses at the rate of 2% of the Sum Insured that is subject to a maximum amount of Rs.4, 000 every day.
  • Consultation fees, surgeon fees, charges of ICU, fees of specialist, and anesthetist.
  • Cost of drugs and medicines.
  • Provides coverage for modern treatment.
  • Ambulance cost up to a certain limit is also covered.
  • Ayush cover for a maximum of 25% of the sum insured and a maximum of Rs.25,000/ policy period is paid.
• Policy Benefits Under Section 2:
  • Lump-sum compensation is offered.
  • Hospitalization expenses until the diagnosis of critical illness are offered.
  • Only one lump sum amount is paid in the lifetime of an insured person.
  • There only a waiting period of 90 days from the date of policy inception and there is no survival period.

Cancellation Policy:

A policyholder can cancel this policy by giving a written notice period of 15 days and during this event, the company refunds the premium for the unexpired period of policy as mentioned below:

FAQs