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Star Criticare Plus Health Insurance

403 reviews Rate This
Star Health Insurance
Criticare Plus
Cashless Approval TATWithin 2 hours
Claim Settlement Ratio99.10%
Network Hospitals14,000+
Pre-existing Disease Waiting Period1 year
Special BenefitsNo Extra Premium for Disease Coverage
Starting Premium for Rs. 5 lakhs SIRs. 410/month

About Star Criticare Plus Health Insurance

Star Criticare Plus Plan from Star Health aims to provide reimbursement for hospitalisation expenses arising because of illness/sickness/disease and/or accidental injuries. It also provides lump sum payment on diagnosis of critical illness. The medical insurance plan provides cover for 9 major illnesses without any survival period. The sum insured under this policy is per individual member covered. Anyone who is living in India and is aged between 18 years-65 years can buy this plan.

The plan offers the policyholders many benefits. These are divided into Section 1 and Section 2. Under Section 1, the policyholders get coverage for in-patient hospitalisation, cost of drugs and medicines, non-allopathic treatment, emergency ambulance charges, etc. Whereas, in Section 2, the policyholders get benefits such as-no survival period (only waiting period is applicable), lump sum compensation in addition to hospitalisation expenses under Section 1 and so on.

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Key Inclusions and Exclusions of the Plan

What's Included

  • Certain daycare procedures are covered up to specific limits (applicable under Section 1 only)
  • Emergency ambulance charges are covered up to specified limits
  • Non-allopathic treatments are covered for up to specified limits
  • Pre-hospitalisation expenses are covered for up to 30 days before hospitalisation
  • Post-hospitalisation expenses are paid as lump sum for up to after discharge from the hospital (up to a specific limit)

What's Not Included

  • Expenses related to spectacles and contact lenses, crutches wheel chairs, hearing aids walkers, etc.
  • Charges for hospital registration, admission, record, telephone etc.
  • Naturopathy treatment is not included
  • Expenses arising from Lasik Laser/Refractive Error Correction Treatment are excluded
  • Dental treatment, surgery unless is required because of accidental injuries and requires hospitalisation

9625 Star Cashless Network Hospitals in India

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Criticare Plus User Reviews

4.6
Rating based on
403 User reviews
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What users are saying
  • All
  • Top health insurance providers

    The top health insurance providers of the nation are listed on InsuranceDekho. The overviews related to the policies are liable. The health plan benefits and coverages are unbeatable. Very happy with my decision to purchase Star Health Insurance’s Criticare Plus plan through the website.

    Read More

    B
    By Barin Ganguly
    On: Feb 23, 2021
  • Got to know about two types of...

    To learn about available types of claims, I came to InsuranceDekho. I clicked on the segment called ‘Claim Settlement’ and got to know the differences between the cashless and reimbursement claim. Later, I made a cashless claim under Star Health Insurance’s Criticare Plus.

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    S
    By Subrata Saha
    On: Feb 04, 2021
  • Renewal in minutes

    Renewing Star Health Insurance’s Criticare Plus was successful within a few minutes. Since the policy was bought from InsuranceDekho, I did not go anywhere else for the renewal. The streamlined renewal process has given me peace of mind of having an active health plan.

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    P
    By Purba Nandy
    On: Feb 03, 2021
  • Allows thorough research

    With InsuranceDekho, doing thorough research on different policies is possible. I was in need of a policy that covered critical illness care and checked all the available plans on the website. Finally, I found Star Health Insurance’s Criticare Plus. The benefits are well aligned with my preferences.

    Read More

    A
    By Akash Basu
    On: Dec 15, 2020
  • Available critical illness cov...

    I was looking for a suitable critical illness cover for my parents. I came to know about insurancedekho.com and checked the website. With this plan, I can get a lump sum on diagnosis of critical illness based on the policy document. After thoughtful consideration, I got Star Health Insurance’s Criticare Plus.

    Read More

    A
    By Ashok Acharya
    On: Dec 01, 2020
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Star Criticare Plus Expert Review

  • Expert Review

    Star Heath is known for offering classic health insurance products at affordable premiums. And Criticare Plus Plan has now been added to that list of economic yet comprehensive health insurance plans provided by Star Health. And, of all the critical illness policies available in the market, this one from Star Health is probably the most comprehensive of all. Let us move ahead to understand the plan in detail.

    Criticare Plus by Star Health is designed to provide reimbursement of hospitalisation expenses arising from illness/disease/sickness and/or accidental injuries. The good news here is that the policy also provides for a lump sum if the insured individual is diagnosed with a major illness (from those listed in the policy) for the first time during the policy period. You can enjoy the benefits under this policy if you are aged between 18 years to 65 years and residing in India. A good thing here is that renewals are still possible even after 65 years of age. The plan comes with co-payment, but a good thing here is that there is no limited choice in sum insured options under this plan as you can choose it from Rs. 2 Lakh to Rs. 10 Lakh based on your requirements.

  • Major Attractions

    Criticare Plus Plan aims at providing wide coverage to the policyholders with in-patient hospitalisation under Section 1 and lump sum compensation under Section 2. Let us look at some of the highlights of the plan under Section 1-

    • Cover for the cost of medicines and drugs
    • Critical illness cover for 9 specified critical illnesses
    • Cover provided for regular hospitalisation including room rent, boarding and nursing charges at 2% of the Sum Insured up to Rs. 4,000 per day
    • Cover for pre-existing disease provided after 48 months of continuous insurance with any Indian Insurance Company
    • Surgeon, consultant, anesthetic and specialists’ fees
    • Emergency ambulance expenses up to a sum of Rs. 750 per hospitalisation with an overall limit of Rs. 1,500 per policy period
    • Non-allopathic treatment cover up to 25% of the Sum Insured with a maximum limit of Rs. 25,000 per policy period
    • Pre-hospitalisation expenses covered for up to 30 days
    • Post-hospitalisation expenses covered by providing a lump sum amount. This amount is calculated at 7% of the expense (excluding room charges) for up to Rs. 5,000

  • What’s More?

    The benefits of the plan are not over yet. Some other advantages that Star Health provides to its valuable customers under this plan are-

    • Family discount of 5% for up to 2 members, and 10% for more than 2 members
    • Tax benefit under Section 80D of the Income Tax Act 1961
    • Guaranteed lifelong renewal for the policy
    • Cashless claim in the network hospital
    • 30 days grace period provided
    • Hassle-free claim procedure

  • Conclusion

    The policy seems a perfect fit for someone who is looking for comprehensive cover for illness/diseases/sickness and/or accidental injuries and also provides a lump sum in case a major illness is diagnosed.  

    To be able to purchase this policy with utmost ease, you must choose the online platform. Get in touch with any leading health insurance broker and seek assistance. You will be guided through the entire process and will be offered after sales service too.

Star Criticare Plus Brochure

  • 224.88 KB
  • PDF Document
  • Apr 22, 2019
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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.

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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