Star Health Criticare Plus Review
Plan Name: Criticare Plus
Insurer: Star Health & Allied Insurance Company Limited
Category: Health Insurance
Objective: Ensure good healthcare services of your preference
Major USP of Criticare Plus: Provides hospitalization expenses along with critical illness benefit.
What benefits does Criticare Plus offer?
In-patient: Criticare Plus provides medical expenses incurred during hospitalization including pre and post hospitalization expenses, day care procedures and emergency ambulance.
Non-Allopathic treatments: These are also covered subject to maximum of 25% of Sum Assured or Rs 25,000 every policy year.
Critical Illness Benefit: A lump sum amount is paid to the insured person if any of the specified illnesses are diagnosed. The major illnesses include cancer, chronic kidney disease, brain tumour, cerebro vascular stroke causing hemiplegia, acute myocardial infarction, irreversible coma, irreversible paraplegia and irreversible quadriplegia. The benefits is payable only once.
Tax benefits: You can avail tax benefits under Section 80D to maximum amount of Rs 15,000. For senior citizens, the maximum amount is Rs 20,000.
What is not covered in Star Health Criticare Plus?
Criticare Plus, health plan with critical illness benefit has some exclusions:
- Any illness diagnosed within 30 days of inception of policy is not covered
- Any critical illness diagnosed within 90 days, the benefit is not payable.
- There is 1 year waiting period for- Benign Prostrate, hypertrophy, hernia, hydrocele and related disorders
- There is 2 year waiting period for particular diseases like cataract, joint replacement etc
- Pre existing diseases will be covered after 4 years of continuous coverage
- Investigative treatments
- Cosmetic treatments or plastic surgery
- Naturopathy treatment
- Treatment of external congenital diseases
There are few more exclusion’s which can be verified from the policy document.
Who can buy Criticare Plus?
Criticare Plus can be bought by anyone aged from 18 years to 65 years and can be renewed till age of 70.
How much premium for Criticare Plus?
Mr. Srivastava aged 35 takes Criticare Plus with Sum Assured of Rs 500,000. The premium for the same is Rs 9,265 inclusive of service tax.
Insurer: Star Health & Allied Insurance Company Limited
Category: Health Insurance
Objective: Ensure good healthcare services of your preference
Major USP of Criticare Plus: Provides hospitalization expenses along with critical illness benefit.
What benefits does Criticare Plus offer?
Non-Allopathic treatments: These are also covered subject to maximum of 25% of Sum Assured or Rs 25,000 every policy year.
Critical Illness Benefit: A lump sum amount is paid to the insured person if any of the specified illnesses are diagnosed. The major illnesses include cancer, chronic kidney disease, brain tumour, cerebro vascular stroke causing hemiplegia, acute myocardial infarction, irreversible coma, irreversible paraplegia and irreversible quadriplegia. The benefits is payable only once.
Tax benefits: You can avail tax benefits under Section 80D to maximum amount of Rs 15,000. For senior citizens, the maximum amount is Rs 20,000.
What is not covered in Star Health Criticare Plus?
Who can buy Criticare Plus?
How much premium for Criticare Plus?
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