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Star Health Criticare Plus
Star Health Criticare Plus Insurance Plan
Of all the critical illness policies that are available in the industry, the Star Health Criticare Plus Insurance Plan is probably the most comprehensive health insurance plan. Criticare Plus is a unique policy because it provides regular Hospitalisation benefits in addition to the critical Illness cover.
Key Features of Star Health Criticare Plus Insurance Plan
Provides for regular Hospitalisation benefits along with critical illness coverage
Provides for accidental benefit coverage as well.
Extensive critical illness coverage till 70 years.
Pre existing diseases are covered after 48 months of continuous insurance.
Non-Allopathic Treatments (applicable to Section I only) is available upto 25% of Sum Insured per occurrence subject to a maximum of Rs 25,000 per policy period.
What is covered in Star Health Criticare Plus Insurance Policy?
Hospital room accommodation is covered till 2% of sum insured subject upto to a maximum of Rs.4000/- per day
The fees of the doctors, the Boarding and Nursing expenses, fees of the surgeon and his team of doctors, consultant, Anesthetist and Specialist are also included
Emergency ambulance charges for transporting the insured patient to the hospital
The cost of medicines and drugs are provided
The critical illness cover is provided to the life insured in a lump sum on diagnosis of any of the major illnesses:
Major Organ Transplant
First time diagnosis of Brain Tumour, Cancer, Chronic Kidney Disease, Hepatoma, etc.
Paraplegia and Quadriplegia
Cerebro-Vascular Stroke causing Hemiplegia, Acute Myocardial Infarction resulting in Left Ventricular Ejection Fraction of less than 25%
Additional Benefits of Star Health Criticare Plus Insurance Policy
Pre existing diseases are also covered after 48 months of continuous insurance.
Non-Allopathic Treatments is available up to a maximum of Rs 25,000 per policy period
Pre-Hospitalisation benefits are offered for 30 days prior to date of admission to hospital
Post Hospitalisation benefits of 7% of the Hospitalisation expenses are payable after the date of discharge
Eligibility and Restrictions of Star Health Criticare Plus Insurance Plan
Coverage Amount (in Rs.)
Policy Term (in years)
Entry Age (in years)
Renewable till Age (in years)
Family floater policy will cover
An individual and/or his spouse
5% discount for up to 2 members and 10% for more than 2 members
Tax Benefits in Star Health Criticare Plus Insurance Plan
Health Insurance premiums paid in any mode other than cash up to Rs. 15,000 and Rs 20,000 for senior citizen are allowed as a deduction from the taxable income each year under section 80D of the Income Tax Act.
Exclusions - What is not covered in Star Health Criticare Plus Insurance Plan?
Initial waiting period of 30 days from commencement of the policy, whereby no claims will be admitted during that period.
Certain diseases are excluded in the first year of operation like Fistula in anus, Piles, Sinusitis and related disorders, congenital internal disease/defects, removal of gallstones and renal stone, Benign Prostate Hypertrophy, Hernia, Hydrocele
Some of the diseases are excluded in the first Two Years of operation, which are knee replacement surgery, Cataract, Hysterectomy for Menorrhagia or Fibromyoma, Prolapse of inter-vertebral disc and varicose ulcers
Expenses for diagnostic purposes and Naturopathy treatment are not included
Hospitalisation expenses would be paid till the date of diagnosis of major illnesses because once the critical illness is diagnosed, the lump sum benefit is paid out and the policy is terminated
There is a 90 day waiting period to receive the critical illness benefit in the first year of operation