Star Health Criticare Plus Insurance Policy

Policy Benefits

• Insured is eligible for the Lumpsum amount equal to the sum insured if diagnosed with any of the 9 listed critical illnesses under the policy.
• In-patient Hospitalization expenses like Room Rent, Nursing & Boarding expenses are also covered for a minimum stay of 24 hours.
• Pre Hospitalization expenses covered upto 30 days prior to the admission in hospital.
• Post Hospitalization expenses covered upto the lumpsum limit specified in the policy contract.
• Emergency Ambulance Service expenses are paid upto the specified limits in the contract.
• Specific Day Care Procedures covered upto the specified limits.
• Non Allopathic Treatments covered upto the specified limits.

Value Added Benefits

• Avail tax benefits u/s 80D as per IT Act, 1961 for premium paid for this plan.
• 5% Family discount for covering upto 2 members and 10% for covering more than 2 members under the policy.
• Network of 6000 plus hospitals across India.
• Faster & Hasslefree Claim Settlement.
• Electronic Personal Health Record maintenance facility available.
• Lifelong Renewal of the Policy is applicable.

Sub Limits

• Room Rent, Nursing & Boarding expenses capped at 2% of the Sum Insured subject to maximum of Rs 4,000 per day.
• Emergency Ambulance Service expenses capped at Rs 750 per hospitalization upto the maximum of Rs 1,500 per policy period.
• Non Allopathic Treatments covered upto 25% of the sum insured subject to a maximum of Rs 25,000 per policy period.
• 30% Co Pay applies for each and every claim for insured above 60 years of age at the entry.
• For Persons entering between 60 to 65 coverage for Cardio Vascular Disease is subject to a capping of Rs 1,50,00 and for other Major Surgeries,the capping is upto Rs 1,20,000.

Waiting Period Clause

• Initial Waiting Period: A waiting period of 90 days for non pre existing Critical Illness from the inception date for all claims to be admissible, under this policy. Not applicable for subsequent renewals.
• Survival Period Waiting Period: No survival period under this plan.
• Pre Existing Disease Waiting Period: It is for 48 months.
• 30 days of the Initial waiting period to avail hospitalization and allied benefits.
• 12 /24 months waiting period for covering specific illness during the first year from the commencement date of the policy.