| Work pressures and higher levels of stress have led to higher incidence of major illnesses like kidney disease, tumors and heart attack particularly among urban Indians. Star Health has a critical illness insurance policy that offers regular hospitalisation benefits along with Major Disease benefits in one policy. Star Criticare Plus Insurance provides for reimbursement of hospitalization expenses incurred as a result of illness/disease/sickness and/or accidental injuries and also provides for a lump-sum benefit in case the insured person is diagnosed with any Major Illness as listed in the policy for the first time during the policy period. |
| Who Can Take This Critical Illness Insurance |
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Any person aged between 18 years and 65 years can take this critical illness insurance. The insurance is renewable up-to 70 years |
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| Star Criticare Benefits |
| This policy offers critical illness insurance cover to the Insured Person under two sections. Both regular hospitalization benefits and major diseases benefits are available under one policy |
| Section I |
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Provides for in-patient hospitalization expenses for a minimum stay of 24 hours in the hospital |
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Room rent up-to a maximum of 2% of the sum insured subject to a maximum of Rs4000 per day |
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Boarding and Nursing expenses |
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Surgeon's fees, Consultant's fees, Anesthetist fees |
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Cost of medicines and drugs |
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Cost of blood, oxygen, diagnostic expenses, cost of pace maker and similar expenses |
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Emergency ambulance charges for transporting the covered patient to the hospital up-to sum of Rs.750/- per hospitalization and overall limit of Rs.1500/- per policy period |
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| Section II(Major Diseases cover) |
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Provides for payment of lump-sum amount equal to the sum insured opted if the insured person contracts any one of the Major diseases for the first time |
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| Pre-Existing Diseases /Illness |
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Covered under Section I after 48 months of continuous insurance with us. |
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| Major Diseases Covered Under The Policy |
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First Diagnosis of Cancer, Chronic Kidney Disease, Hepatoma, Brain Tumour |
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Undergoing first time - Major Organ Transplant |
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Occurrence for the first time of the following medical events: |
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Cerebro-Vascular Stroke causing Hemiplegia, Acute Myocardial Infarction resulting in Left Ventricular Ejection Fraction of < 25% |
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Established irreversible Coma |
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Established irreversible Paraplegia |
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Established irreversible Quadriplegia |
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| Premium |
Sum Insured
(in Rs) |
5 mths - 35 yrs |
36 yrs - 45 yrs |
46 yrs - 55 yrs |
Prm
Rs. |
S.T.
Rs. |
Total
Rs. |
Prm
Rs. |
S.T.
Rs. |
Total
Rs. |
Prm
Rs. |
S.T.
Rs. |
Total
Rs. |
| 200000 |
3750 |
386 |
4136 |
4200 |
433 |
4633 |
6400 |
659 |
7059 |
| 300000 |
5400 |
556 |
5956 |
6000 |
618 |
6618 |
8900 |
917 |
9817 |
| 400000 |
7000 |
721 |
7721 |
7680 |
791 |
8471 |
12300 |
1267 |
13567 |
| 500000 |
8400 |
865 |
9265 |
9400 |
968 |
10368 |
15200 |
1566 |
16766 |
| 1000000 |
14600 |
1504 |
16104 |
16100 |
1658 |
17758 |
22600 |
2328 |
24928 |
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Sum Insured
(in Rs) |
56 yrs - 65 yrs |
66 yrs - 70 yrs |
Prm
Rs. |
S.T.
Rs. |
Total
Rs. |
Prm
Rs. |
S.T.
Rs. |
Total
Rs. |
| 200000 |
7550 |
778 |
8328 |
11150 |
1148 |
12298 |
| 300000 |
11600 |
1195 |
12795 |
16200 |
1669 |
17869 |
| 400000 |
15900 |
1638 |
17538 |
21050 |
2168 |
23218 |
| 500000 |
19500 |
2009 |
21509 |
25900 |
2668 |
28568 |
| 1000000 |
28200 |
2905 |
31105 |
35350 |
3641 |
38991 |
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| IT Benefit |
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Premium paid by any mode other than cash for this insurance is eligible for relief under section 80D of the IT Act |
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| Star Advantages |
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No Third Party Administrator; direct in-house claims settlement |
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Faster & hassle-free claim settlement |
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Cashless hospitalization |
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Network of more than 5400 hospitals across India |
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24x7 Toll- free Helpline |
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Free General Physician Consultation over phone. Doctors on duty 24x7. By quoting the policy number, any person can contact our Doctor on the toll free number 1800 425 2255 / 1800 102 4477 for medical advices. |
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Free Health magazines are issued to policy holders at regular intervals |
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| NOTE: The benefits mentioned herein are only an outline of the critical illness and accident hospitalisation policy. For complete details, please contact your nearest Star Health office. |
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Star Criticare Plus
