Star Criticare Plus Insurance Policy

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      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.

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      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

      1/3rd of the yearly premium

      More than one month to three months

      ½ of the yearly premium

      More than three months to six months

      3/4th of the annual premium

      More than six months

      Full yearly premium

      FAQs

      Policybazaar exclusive benefits
      • 30 minutes claim support*(In 120+ cities)
      • Relationship manager For every customer
      • 24*7 claims assistance In 30 mins. guaranteed*
      • Instant policy issuance No medical tests*
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      Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

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      *We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30-minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881. Product information is authentic and solely based on the information received from the Insurer. Policybazaar is acting only as a facilitator and claims settlement shall be at the sole discretion of the Insurer. As per the Insurance guidelines, you are allowed to cancel the policy with-in 15 days from the date of Issuance of policy. For more details, please read the Plan Brochure carefully or talk to our advisor at the time of purchase.

      *All the health insurance plans cover hospitalization expenses including COVID-19 treatment cover up to the specified limits. You can also buy specific COVID-19 health insurance policies such as Corona Kavach Policy and Corona Rakshak policy.

      **All savings and online discounts are provided by insurers as per IRDAI approved insurance plans. #Tax Benefits are subject to changes in tax laws. GST Exemptions depend on fulfilment of qualification criteria and submission of relevant documents.

      *₹1748/month is the starting price for a 1 crore health insurance for an 18-year-old male, with no pre-existing diseases. Discount on renewal premium is subject to the number of wellness points earned in the health insurance policy. For more details about the plans, please read the sale brochure carefully to get upto 100% discount on renewal premium.

      *₹400/month is the starting price for ₹ 5 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹541/month is the starting price for ₹ 10 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹762/month is the starting price for ₹ 1 Crore Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹243/month(₹ 8/day) is the starting price for a 5 lakh health insurance for a 20-year-old male, non-smoker, living in Bengaluru with no pre-existing diseases

      *₹2020/month is the starting price for ₹ 1 Cr Health insurance for a 50 year old male & 50 years old female, living in Bangalore with no pre-existing diseases rounded off to nearest 10.

      *₹390/month (₹13 per day) is starting price for 1 cr. Health insurance for 25 years old male, with pre-existing diseases, residing from tier 1 city rounded off to the nearest 10.

      *No medical tests are required unless requested by the insurer’s underwriter. In-case of pre-existing diseases relevant medical proof would be required as per the terms and condition of the policy opted.

      *The values taken for effective cost calculation are indicative values and may change as per the selected plan.

      *Coverage upto double the amount of Sum Insured is available on certain covers for a minimum plan of Rs. 5 Lakh on the first claim only to an individual of upto 45 years of age with no pre-existing diseases. The benefit is available with or without extra cost depending on the plan chosen.

      *Coverage of pre-existing diseases is provided by insurer as per their underwriting policy.

      *The scope of coverage may vary from plan to plan.

      ~Source: Google Review Rating available on:- http://bit.ly/3J20bXZ

      ##On ground claim assistance is available in 114 cities

      Tax Benefits are subject to changes in tax laws. GST Exemption depends on fulfilment of qualification criteria and submission of relevant documents as required by the insurers. For more details on risk factors, terms and conditions, please read the sales brochure and applicable rules and regulation carefully before concluding a sale.

      STANDARD TERMS AND CONDITIONS APPLY. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale.

      Policybazaar is a registered Composite Broker |Registration No. 742, Valid till 09/06/2024, License category- Composite Broker (Life & General)| Visitors are hereby informed that their information submitted on the website may be shared with insurers.

      Policybazaar Insurance Brokers Private Limited | CIN: U74999HR2014PTC053454 | Registered Office - Plot No.119, Sector - 44, Gurgaon, Haryana - 122001 Contact Us | Legal and Admin Policies

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