Star Criticare Plus Insurance Policy is an insurance policy that offers both health insurance cover and critical illness cover for policyholders. With this cover, policyholders can get the benefit of both health insurance and critical illness cover. For major critical illnesses, a lumpsum payment is provided to the insured following the diagnosis. This is an individual cover, and it must be taken separately for all members in a family. A unique feature of this policy is that it provides cover for non allopathic treatment up to a certain limit.
The eligibility criteria for Star Criticare Plus Insurance Policy can be given as follows:
The minimum sum insured for this policy is Rs.2 lakh whereas the maximum sum insured is Rs.10 lakh. Based on the chosen sum insured and the age of the policyholder, the premium charges for this policy vary. The fixed premium charges (excluding taxes) for this policy can be given as follows.
|Sum insured||Age 18 to 35 years||Age 36 to 45 years||Age 46 to 55 years||Age 55 to 65 years||Above 65 years|
For people entering the policy between 60 and 65 years of age, the maximum sum insured is restricted to Rs.2 lakh. A 5% discount on premium charges is available when two members in a family opt for this cover. A 10% discount on premium charges is available when more than two members in a family opt for this cover.
Some of the key features of Star Criticare Plus Insurance Policy can be given as follows.
Star’s Criticare Plus Insurance Policy comes with the following benefits for policyholders.
|Room, boarding, and nursing expenses||Up to 2% of the sum insured subject to a maximum of Rs.4,000 per day|
|Medical expenses covered||Surgeon’s fee, consultant’s fee, specialist’s fee, anaesthetist’s fee, cost of drugs & medicines, etc.|
|Emergency ambulance charges||Up to Rs.750 per hospitalisation subject to a maximum of Rs.1,500 per policy period|
|Non allopathic treatment||Up to 25% of the sum insured subject to a maximum of Rs.25,000 per policy period|
|Cover for major illnesses||A lumpsum payment equal to the sum insured amount is paid to the insured person. This is a one time payment paid on first diagnosis of the illness. Upon payment of the amount, the policy will cease.|
Some of the exclusions under Star Criticare Plus Insurance Policy are as follows.
The claim procedure for Star Criticare Plus Insurance Policy begins with notification to the insurer. The insurer can be contacted through the company’s customer helpline. In addition to getting details about the claim procedure, any other information related to a policy can also be obtained from this helpline. In case of planned hospitalisation, the company must be informed at least 24 hours before hospitalisation. For emergency hospitalisation, the company can be notified 24 hours after admission in a hospital.
To avail cashless treatment facility in a company network hospital, the insured must provide the policy information and identity proof. For treatment in non-network hospitals, the payment must be made upfront and reimbursement can be claimed from the company. While making the reimbursement claim, the insured must submit all the documents related to the medical expenses incurred. Upon verification of the documents, the company will provide the reimbursement amount to the insured.
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