8/8/2019 Star Criticare Plus

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Buy this insurance online at www.starhealth.in

Call toll-free: 1800-425-2255 or 044-2826 3300

Fax toll-free: 1800-425-5522sms STAR to 56677

or E-mail: info@starhealth.in

Insuranceisthesubjectmatterofsolicitation

StarC

ritiCa

rePluS

iNSuraNCe

and related disorders, congenital internal disease/

defects, treatment for gallstones and renal stones.

Naturopathytreatment.

Expenseswhicharepurelydiagnosticinnaturewith

nopositiveexistenceofanydisease.

Treatmentofcongenitalexternaldisease/defects/ anomalies.

Expenseswhicharemainlycosmeticinnature.

Note:Foradetailedlistofexclusions,referpolicyconditions.

Tax Benefits

Paymentbyanymodeotherthancashforthis

insurance is eligible for relief under Section 80D

of the Income Tax Act.

How much to pay

Sum

Insured

18 yrs to

35 yrs

36 yrs to

45 yrs

46 yrs to

55 yrs

56 yrs to

65 yrs

66 yrs to

70 yrs*

2,00,000 3,750 4, 20 0 6,4 00 7, 55 0 11,150

3,00,000 5, 40 0 6 ,0 00 8 ,9 00 11 ,6 00 1 6, 20 0

4,00,000 7, 00 0 7, 68 0 1 2, 30 0 1 5, 90 0 2 1, 05 0

5,00,000 8 ,4 00 9, 40 0 1 5, 20 0 1 9, 50 0 2 5, 90 0

10,00,000 14,600 16,100 22,600 28,200 35,350

*applicableforrenewals.

Note:Theaboveguresexcludeservicetax.

Claims Procedure

InformtheIDNumberforeasyreference.

Incaseofplannedhospitalization,pleaseinform

24hourspriortoadmissionintothehospital

Incaseofemergencyhospitalization,informationto

begivenwithin24hoursafterthehospitalization.

Innon-networkhospitals,paymentmustbemade

upfrontandthenreimbursementwillbeeffectedon

the submission of documents.

The Company

StarHealthAndAlliedInsuranceCoLtdisajointventure

betweenOmanInsuranceCompany,UAEandleadingNRIs

andIndianbusinessmen/houses.Ithasacapital

baseofINR138croresthatfarexceedstherequirement

toformafull-fledgedgeneralinsurancecompany.

AsanexclusiveHealthInsuranceCompanyandthefirst ofitskindinIndia,theCompanyiscommittedtosetng

internationalbenchmarksinserviceandpersonalcaring.

Star Advantages

NoThirdPartyAdministrator;directin-houseclaimssettlement.

Faster&hassle-freeclaimsettlement.

Cashlesshospitalization.

Networkofmorethan4000hospitalsacrossIndia

24x7Toll-freeHelpline

FreeGeneralPhysicianConsultationoverphone.

Doctorsonduty24x7.Byquotingthepolicynumber, anypersoncancontactourdoctoronthetoll-free

number18004252255formedicaladvices.

NOTE:Thebenefitsandexclusionsmentionedhereinareonly

anoutlineofthepolicy.

To buy this insurance

ContactourMarketingExecutiveat

STARHEALTHANDALLIEDINSURANCECOLTD

REGD&CORPORATEOFFICE:1,NewTankStreet,

ValluvarKoamHighRoad,Nungambakkam,Chennai600034.

The Health Insurance Specialist

The Health Insurance Specialist

It pays to

be prepared

8/8/2019 Star Criticare Plus

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policyisavailablefortherenewal.Ifarenewalismade

withinthis15-dayperiod,thecontinuityofbenefitswillbe

allowed.However,theactualperiodofcoverwillcommence

onlyfromthedateofpaymentofpremium.Inotherwords,

noprotectionisavailablebetweenthepolicyexpirydate

andthedateofpaymentofpremiumfortherenewal.

Wheretheaverageclaimsratioundertheinsurancefor

immediatelyprecedingtwoconsecutiveperiodsofInsurance

exceeds100%,theCompanymayimposealoadingof

premiumasperthescalesbelow:

Claims Ratio LoadingonBasicPremium

Between100&125 20%

Between126&150 30%

> 150% 50%

Howeverinrespectofdisease/sickness/illness/conditionforwhich

claim/shas/havebeenmade,thesuminsuredwillberestrictedto

thatpolicysuminsuredwheretheclaim/swas/werefirstmade.Theterm Claims referred under this condition means claims under

SectionIonlyexceptwherespecificallystated.Whereaclaimhas

beenadmitted/paidunderSectionIIofthepolicy,therenewalshall

be in accordance with the terms and conditions of Medi-Classic

insurancepolicyoritsequivalentwiththeexclusionofthemajor

diseaseforwhichthelumpsumhasbeenadmitted/paid.

Exclusions

Expensesforthetreatmentofanyillness/diseases/condition

whichispre-existing.

Treatmentofillness/disease/sicknesscontractedbythe

insuredpersonduringthefirst30daysfromthe

commencementdateofthepolicy.

FirstTwoYearsExclusions:Cataract,Hysterectomy

for Menorrhagia or Fibromyoma, Treatmentforkneeand/or

joint (other than caused by an accident), Prolapseof

IntervertebralDisc(otherthancausedbyaccident),

varicoseveinsandvaricoseulcers.

FirstyearExclusions:BenignProstateHypertrophy,

Hernia,Hydrocele,Fistulainanus,Piles,Sinusitis

StarCriticarePlusInsurancefromStarHealthisapolicy

thataims to provide reimbursement of hospitalization

expensesincurredasa result ofillness/disease/sickness

and/oraccidentalinjuriesandalsoprovidesforalumpsum

incasetheinsuredpersonisdiagnosedwithamajorillness

aslistedinthepolicyforthefirsttimeduringthepolicy

period.Becauseillnessesdontcomewithawarning.

Policy Benefits Under Section I

HospitalizationCover:In-patienthospitalization

expensesforaminimumof24hours.Includesroom

rent,boardingandnursingexpenses@2%ofsum

insured,subjecttoamaximumofRs4,000perday.

Surgeonsfees,consultantsfees,Anaesthetistsand

Special ist s fees.

Costofmedicinesanddrugs.

Emergencyambulancechargesfortransportingthe

insuredpat ient tothehospital uptoasumof

Rs750/-perhospitalizationandoverall limitof

Rs1,500/-perpolicyperiod.

Non-Allopathic Treatments (Applicable for Section I only)

UptoRs25%ofsuminsuredperoccurrence,subjecttoa

maximumof25,000/-perpolicyperiod.

Pre & Post Hospitalization (Applicable for Section I only)

Pre-hospitalizationmedicalexpensesupto30daysprior

to the date of admission.

Post-hospitalizationalumpsumcalculatedat7%of

thehospitalizationexpenses(excludingroomcharges),

subjecttoamaximumofRs5,000/-arepayable.

Pre-Exisng Disease (Applicable to Section I only)

Pre-existingdiseasesarecoveredafter48monthsof

Star CritiCare

PluS iNSuraNCe

continuousinsurancewiththeCompany.

Sub-limits&co-payment(forpersonsabove60yearsatentry).

Policy Benefits Under Section II

LumpsumcompensationunderSectionIIinadditionto

paymentofhospitalizationexpensesunderSectionI.

Suchhospitalizationexpenseswouldbepaidonlytillthe

date of diagnosis of the major illness.

OnthepaymentofaclaimunderSectionII,allfurtherbenefits

underSectionIIofthepolicyshallcease.

Onlyonelumpsumpaymentwillbemadeduringtheinsured

personslifetimeregardlessofthenumberofthemajorillnesses

sufferedbytheinsuredperson.

Nosurvivalperiod.Onlywaitingperiodof90daysfromthe

dateofinceptionofpolicy(notapplicableofrenewals).

Major Illness

FirstdiagnosisofCancer,ChronicKidneyDisease,BrainTumour.

UndergoingMajorOrganTransplantforfirsttime.

Occurrenceofanyofthefollowingmedicaleventsforthefirsttime:

CerebroVascularStrokecausingHemiplegia

Acute Myocardial Infarction resulting in Left Ventricular

Ejection Fraction of < 25%

EstablishedirreversibleComa

EstablishedirreversibleParaplegia

EstablishedirreversibleQuadriplegia

Eligibility

Anypersonagedbetween18yearsand65years,residingin

India,cantakethisinsurance.

Renewableupto70years.

Family Discount

5%forupto2members,10%formorethan2members.

Renewability

Agraceperiodof15daysfromthedateofexpiryofthe