Star Criticare Plus Health Plan: Benefits, Buy & Renew Online

Star Criticare Plus Insurance Policy

Star Criticare Plus Insurance policy from Star Health Insurance Company aims to offer reimbursement for the expenses incurred due to hospitalization because of sickness, disease, illness, or/ and accidental injury. This plan as well offers lump-sum payment upon diagnosis of some critical illness. This plan offers cover for nine major critical illnesses without any survival period. The sum insured for this policy is as per the covered individual member. Those who are living in India and fall in the age group of 18 years to 65 years are eligible to take 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:

Period on Risk	Premium Rate to be Retained
Up to 1 month	1/3^rd of the yearly premium
More than one month to three months	½ of the yearly premium
More than three months to six months	3/4^th of the annual premium
More than six months	Full yearly premium

FAQs

Q 1: Is the ambulance cost covered in Star Criticare Plus insurance policy

Ans: Yes, the cost of an ambulance is covered in this policy. The ambulance charges for up to Rs.750/ hospitalization which has an overall limit of Rs.1, 500 for one policy tenure are provided.
Q 2: Does this policy offer discounts?

Ans: Yes, for the family floater variant of this plan, it offers a 5% discount for two members, and for more than 2 members it offers a 10% discount.
Q 3: What are the options for the sum insured under this policy?

Ans: This policy is available for a sum insured of Rs. Two lakhs, Rs. Three lakhs, Rs. Four lakhs, Rs. Five lakhs, and Rs.10 lakhs.
Q 4: Is this policy portable?

Ans: Yes, the Star Criticare Insurance Policy can be ported.
Q 5: Does this policy offer a co-payment facility?

Ans: Yes, the facility of co-payment of 30% is applied for every claim that is made by an insured person who is more than 60 years of age at the time of purchasing the policy. The co-payment is also applicable to the injuries, diseases, and illnesses mentioned in the schedule.
Q 6: Does this policy provide tax benefits?

Ans: Yes, premiums paid against Star Criticare Plus Insurance policy get tax benefit u/s 80D of the IT Act, 1961.
Q 7: Can a person who is between 60 to 65 years purchase this plan?

Ans: Yes but with some conditions – the maximum sum insured provided is Rs.2 lakhs and coverage for a few specific diseases will have some sub-limits.

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Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in

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