Star Health Critical Care Plus Insurance
Star Health and Allied Insurance Co Ltd
Star Health and Allied Insurance Co Ltd is a joint venture between Oman Insurance Company, ICICI Ventures Funds Management, M/s. Sequoia Capita1, M/s. Alpha TC Holdings Pvt Ltd, Singapore & M/s. Tata Capital Growth Fund. The company offers wide range of health insurance products specializing for senior citizens, students and diabetes patients.
Contact Details
Toll Free Number- 1800-425-2255 / 1800-102-4477
E-Mail - support@starhealth.in
Product Overview of Star Health Critical Care Plus Insurance
Star Critical Care Plus Plan is a critical illness benefit policy, which will pay a lump sum amount on the diagnosis of the covered illness of specified severity post the initial waiting & survival period.
Unique Features of Star Health Critical Care Plus Insurance
9 major Critical illness covered.
Zero survival period.
Coverage for Non-allopathic treatment
In patient hospitalisation covered
Pre-Post-hospitalisation covered
Ambulance charges covered
Eligibility Criteria for Star Health Critical Care Plus Insurance
| Eligibility Criteria | |||||||||
|---|---|---|---|---|---|---|---|---|---|
| Age Criteria | Min Entry Age: 18 Years Max Entry Age: 65 Years | ||||||||
| Renewal Age | Life Long Renewal | ||||||||
| Coverage for Individual & Family Basis | Individual | ||||||||
| Sum Insured | Rs. 2 Lacs, Rs. 3 Lacs, Rs. 4 Lacs, Rs. 5 Lacs to Rs. 10 Lacs | ||||||||
| Policy Tenure | 1 year and 2 years | ||||||||
Product Benefits of Star Health Critical Care Plus Insurance
| Critical Features | |||||
|---|---|---|---|---|---|
| No Of Covered Disease | 9 | ||||
| Initial Survival Period | Zero Survival Period | ||||
| Initial Waiting Period | 90 Days | ||||
| Coverage For PED | Yes -4 Years | ||||
| Second Opinion | Not Covered | ||||
| Other Features | |||||
|---|---|---|---|---|---|
| Add On Covers | Not Available | ||||
| Sum insured Range | Rs. 2 Lacs to Rs. 10 Lacs | ||||
| Type of Coverage | Individual | ||||
| Section I | |||||
| In patient hospitalisation | Covered | ||||
| Pre-hospitalisation | 30 days | ||||
| Post-hospitalisation | 7 % of the expenses or Max Rs 5000/- | ||||
| Non-Allopathic Treatments: | 25 % of the SI or Max Rs 25000/- per policy | ||||
| Ambulance charges | Rs 750/- to over limit of Rs 1500/- per policy | ||||
| Annual Health Check Up | Not Covered | ||||
| Section II | |||||
| 9 Critical Illness | Lump-sum amount equal to the sum insured | ||||
Waiting Period for Star Health Critical Care Plus Insurance
Initial Waiting period - This implies that the insured is not covered for the 9 diseases under this policy for the first 90 days of the policy
coming into existence. The waiting period is not applicable on subsequent renewals
Pre-existing Diseases - Any pre-existing condition will be covered after a waiting period of 48 months (Section I)
coming into existence. The waiting period is not applicable on subsequent renewals
Pre-existing Diseases - Any pre-existing condition will be covered after a waiting period of 48 months (Section I)
Survival Period for Star Health Critical Care Plus Insurance
The survival period is the length of time, the insured, must survive after he has been diagnosed with a covered critical illness
0 Days
9 Critical Illnesses covered
No Survival Period
1.First diagnosis of cancer
2.Chronic Kidney Disease
3.Brain tumour
4.Major Organ transplant
5.Cerebro-Vascualr Stroke causing Hemiplegia
6.Acute Myocardial Infarction
7.Established irreversible coma
8.Established irreversible Paraplegia
9.Established irreversible Quadriplegia
2.Chronic Kidney Disease
3.Brain tumour
4.Major Organ transplant
5.Cerebro-Vascualr Stroke causing Hemiplegia
6.Acute Myocardial Infarction
7.Established irreversible coma
8.Established irreversible Paraplegia
9.Established irreversible Quadriplegia
Exclusion in Star Health Critical Care Plus Insurance
- Any pre-existing condition will be covered after a waiting period of 48 months
- Any disease contracted by the Insured Person during the first 30 days from the commencement date of the policy
- Cost of spectacles and contact lens, hearing aids walkers, crutches wheel chairs and such other aids
- Dental treatment or surgery of any kind unless necessitated due to accidental injuries and requiring hospitalization
- Expenses on vitamins and tonics unless forming part of treatment for injury or disease as certified by the attending Physician
- Naturopathy Treatment
- Injury/Disease directly or indirectly caused by or arising from or attributable to War, Invasion, Act of Foreign Enemy, Warlike operations
Add-ons for Star Health Critical Care Plus Insurance
Not Available
Additional Discounts in Star Health Critical Care Plus Insurance
- Family discount - 10% discount is more than 2 members are insured under a single policy.
Tax Benefits of Star Health Critical Care Plus Insurance
Tax benefits for the premium paid under Section 80D of the Income Tax Act.