What is the eligibility to purchase the Criticare Plus Policy?

Any person who is residing in India and is aged between 18-65 years is eligible to purchase this health insurance policy. After 65 years of age, only renewal is possible. There is no limitation on age to exit.

Is the cost of emergency ambulance covered in the Criticare Plus policy?

Yes, the policy covers emergency ambulance charges for up to Rs. 750 per hospitalisation and has an overall limit of Rs. 1,500 for every policy period.

What are the sum insured options in the policy?

The policy is available for Sum Insured options of Rs. 2 Lakh, Rs. 3 Lakh, Rs. 4 Lakh, Rs. 5 Lakh and Rs. 10 Lakh.

Does the policy offer any discount?

Yes, a family discount is offered for 5% for up to two members and 10% for more than two members.

Is the policy portable?

Yes, Criticare Plus health insurance policy from Star Health is portable.

What is co-payment under the policy?

Co-payment of 30% is applicable for each and every claim made for insured persons aged more than 60 years at entry. It is also applicable for sub-limits for the diseases/injuries/illnesses specified in the Schedule.

What are the tax benefits under this plan?

Premiums paid for this health insurance policy get relief under Section 80D of the Income Tax Act 1961. It is not included in the taxable income if paid in any mode other than cash.

Can the persons aged between 60-65 years purchase this policy?

Yes, they can. But the following conditions will be applied for them- 1. Maximum sum insured provided will be of Rs. 2 Lakh. 2. Coverage for some specific diseases will be subject to sub-limits.

Is non-allopathic treatment covered under this policy?

Yes, non-allopathic treatments is covered for up to 25% of Sum Insured, subject to a maximum of Rs. 25,000 for every policy period.

When can a policy be canceled?

Star Health can cancel your policy on the grounds of fraud, misinterpretation, disclosure of information or non-cooperation by the insured individual.

Star Criticare Plus Health Insurance Wordings

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Highlights

Cashless Approval TAT	Within 2 hours
Claim Settlement Ratio	99.10%
Network Hospitals	14,000+
Pre-existing Disease Waiting Period	1 year
Special Benefits	No Extra Premium for Disease Coverage
Starting Premium for Rs. 5 lakhs SI	Rs. 410/month

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Star Criticare Plus Brochure

224.88 KB
PDF Document
Apr 22, 2019

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Name of Plan	Sum Insured
Smart Health ProPopular		Check Premium
Women CarePopular		Check Premium
PremierePopular		Check Premium
AssurePopular		Check Premium
Young Star Insurance PolicyMin: 91 days; Max: 40 yearsPopular	3 Lakh-1 Crore	Check Premium
Arogya Sanjeevani PolicyMin: 3 months; Max: 65 years	1 Lakh - 5 Lakh	Check Premium
Corona Kavach PolicyMin: 1 Day, Max: 65 Years	50,000 - 5 Lakh	Check Premium
Corona Rakshak PolicyMin: 18 years; Max: 65 years	50,000 - 2.5 lakh	Check Premium
Outpatient Care Insurance PolicyMin: 31 day; Max: 50 years	25 Thousand - 1 Lakh	Check Premium
Star Micro Rural And Farmers Care PolicyMin: 12 months; Max: 65 years		Check Premium
Star Novel Coronavirus (nCov) (COVID-19) InsuranceMin: 3 months; Max: 65 years		Check Premium
Family DeliteMin: 5 Months; Max: 65 Years	2 Lakh	Check Premium
Star Care Micro InsuranceMin: 2 Years; Max: 65 Years	1 Lakh	Check Premium
Star ComprehensiveMin: 3 Months; Max: 65 Years	5 Lakh	Check Premium
Red CarpetMini: 60 Years; Max 75 Years	1 Lakh	Check Premium
Diabetes SafeMin: 18 Years; Max: 65 Years	3 Lakh	Check Premium
Cardiac CareMin: 10 Years; Max 65 Years	3 Lakh	Check Premium
Medi Classic Insurance PolicyMin: 5 Months; Max: 65 Years	2 Lakh	Check Premium
Cancer Care Gold Min: 5 Months; Max: 65 Years	3 Lakh	Check Premium
Star Health GainMin: 91 Days; Max: 65 Years	1 Lakh	Check Premium
Special Care Min: 3 Years; Max: 25 Years	3 Lakh	Check Premium
Criticare PlusMin 18 Years; Max: 65 Years	2 Lakh	Check Premium
Family Health OptimaMin: 16 Days; Max: 65 Years	3 Lakh	Check Premium

Star Health Insurance Top Up List

Family (1)
Individual (1)

Name of Plan	Sum Insured
Super SurplusMin: 91 Days; Max: 65 Years	5 Lakh	Check Premium
Star Hospital Cash Insurance PolicyMin: 91 days; Max: 65 years		Check Premium

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FAQs on Criticare Plus Health Insurance Plan

What is the eligibility to purchase the Criticare Plus Policy?
Any person who is residing in India and is aged between 18-65 years is eligible to purchase this health insurance policy. After 65 years of age, only renewal is possible. There is no limitation on age to exit.
Is the cost of emergency ambulance covered in the Criticare Plus policy?
Yes, the policy covers emergency ambulance charges for up to Rs. 750 per hospitalisation and has an overall limit of Rs. 1,500 for every policy period.
What are the sum insured options in the policy?
The policy is available for Sum Insured options of Rs. 2 Lakh, Rs. 3 Lakh, Rs. 4 Lakh, Rs. 5 Lakh and Rs. 10 Lakh.
Does the policy offer any discount?
Yes, a family discount is offered for 5% for up to two members and 10% for more than two members.
Is the policy portable?
Yes, Criticare Plus health insurance policy from Star Health is portable.
What is co-payment under the policy?
Co-payment of 30% is applicable for each and every claim made for insured persons aged more than 60 years at entry. It is also applicable for sub-limits for the diseases/injuries/illnesses specified in the Schedule.
What are the tax benefits under this plan?
Premiums paid for this health insurance policy get relief under Section 80D of the Income Tax Act 1961. It is not included in the taxable income if paid in any mode other than cash.
Can the persons aged between 60-65 years purchase this policy?
Yes, they can. But the following conditions will be applied for them- 1. Maximum sum insured provided will be of Rs. 2 Lakh. 2. Coverage for some specific diseases will be subject to sub-limits.
Is non-allopathic treatment covered under this policy?
Yes, non-allopathic treatments is covered for up to 25% of Sum Insured, subject to a maximum of Rs. 25,000 for every policy period.
When can a policy be canceled?
Star Health can cancel your policy on the grounds of fraud, misinterpretation, disclosure of information or non-cooperation by the insured individual.

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Claim Process at Star Health Insurance

Network Hospital
Non-Network Hospital

1
Claim Assistance
For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
2
Claim Intimation
Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 48 hours prior to admission.
3
Claim Processing
Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
4
Claim Settlement
Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.

1
Claim Assistance
For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
2
Claim Intimation
Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 48 hours prior to admission.
3
Claim Processing
Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
4
Claim Settlement
Once your request for reimbursement of expenses is approved, the claim will be settled.