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Star Criticare Plus Policy is a dual benefit plan, offering coverage for both health insurance and critical illnesses. It provides a lump sum payment for long-term diseases such as cancer, chronic kidney disease, brain tumor, major organ transplant, Cerebrovascular Stroke causing Hemiplegia, Acute Myocardial Infarction, established irreversible coma, and many other critical diseases. A distinctive feature of this policy is that it covers non-allopathic treatments up to a certain limit.
Star Criticare Plus Policy offers sum insured options ranging from ₹1 Lakh to ₹10 Lakh, with an entry age of 18 to 65 years. This plan provides coverage for the policyholder along with any one family member.
| PLAN DETAILS |
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Criticare Plus |
Health Alpha Plan |
| Product Type | Critical Illness Health Insurance | Individual |
| Key Features (Key features of the plan) |
|
|
| OPD Details (In some policies, OPD (Out patient department) expenses are also covered.) |
Not Covered | Covered |
|
Room Rent (A limit of room rent cover during hospitalization if any) |
Covered | Covered |
| Domicillary Hospitalization (It is the expenses incurred on treatment of the patient at home) |
Not Covered | Covered |
| Pre-hospitalization (Expenses before the insured is hospitalized) |
Covered | Covered |
| Post-hospitalization (Expenses after discharge from the hospital) |
Covered | Covered |
| Day Care Treatment Covered (Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.) |
Not Covered | Covered |
| Hospital_network (Number of Hospital Network in city) |
14000 | 6000 |
| Organ Donor Expenses (Expenses incurred on organ donor in case of organ transplants) |
Covered | Covered |
|
Hospital Daily Allowance (Some plans offer daily allowance to take care of expenses like food, etc) |
Not Covered | Covered |
| Ambulance Charges (Expenses incurred on ambulance charges) |
Covered | Covered |
|
Maternity Benefits (All Hospitalization cost covered at the time of pregnancy.) |
Not Covered | Covered |
| New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period) |
Not Covered | Covered |
| Health Checkup (An added benefit of one time full health checkup of policy holder.) |
Not covered | Covered |
|
Sub Limit (Sub-limit is a monetary capping that applies on specific diseases like cataract) |
Applicable | Not Covered |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
Applicable | Covered |
| Plan Entry Age | 18 to 65 years | 18 years |
| Plan Premium Entry Age and S/A | 8400 | 18 years |
| Plan Waiting Period | 90 | 30 |
| Plan Coverage | - | Hospitalization and medical expenses covered, Pre and post hospitalization expenses, Day care treatments covered |
| Plan Sample Premium | - | Unlimited |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | 1 Year | 5 years |
| ICU Charges | Covered | Not covered |
| Covid-19 Treatment | Not Covered | Not covered |
| Cataract | Covered | Not covered |
| Automatic Restoration | Not Covered | Covered |
| Ayush Treatment | Covered | Covered |
| Modern Treatment | Covered | Covered |
| E Consultation | Not covered | Covered |
| Air Ambulance | Not covered | Covered |
| Global Coverage | Not covered | Covered |
| Claim Ratio | 99.06 | - |
| Solvency Ratio | 2.21 | 2.03 |
|
Star Health Insurance Plan Detailed Review |
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