Criticare Plus vs Super Saver Plan Health Insurance Plan 2026 | PolicyX

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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

Criticare Plus

Super Saver Plan

Product Type Critical Illness Health Insurance Individual and Family Health Insurance
Key Features
(Key features of the plan)
  • Cover 1 family member
  • 30% Co-payment
  • Non-allopathic treatments
  • 80% premium discount
  • Family coverage
  • Maternity coverage
OPD Details
(In some policies, OPD (Out patient department) expenses are also covered.)
Not Covered Not 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 10000
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 Not 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 Not Covered
Health Checkup
(An added benefit of one time full health checkup of policy holder.)
Not covered Not Covered
Sub Limit
(Sub-limit is a monetary capping that applies on specific diseases like cataract)
Applicable Covered
Co-pay
(Mentioned %, if any is to be borne by Insured and rest will be borne by insurer)
Applicable Not Covered
Plan Entry Age 18 to 65 years 18 to 70 years
Plan Premium Entry Age and S/A 8400 5,607
Plan Waiting Period 90 30 Days*
Plan Coverage - Individual and Family floater
Plan Sample Premium - 5,607
Plan Brochure Brochure URL Brochure URL
Policy Term 1 Year 1 year
ICU Charges Covered Covered
Covid-19 Treatment Not Covered Covered
Cataract Covered Covered
Automatic Restoration Not Covered Not Covered
Ayush Treatment Covered Covered
Modern Treatment Covered Covered
E Consultation Not covered Not Covered
Air Ambulance Not covered Not Covered
Global Coverage Not covered Not Covered
Claim Ratio 99.06 95.5
Solvency Ratio 2.21 1.96
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