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Health Insurance 958 views January 7, 2021
Star Health Criticare Plus Insurance Policy reimburses your hospitalization expenses incurred due to illness, injury or accident. And if the insured person is diagnosed with one of the policies listed major illnesses, Star Health will pay a lump sum amount from your sum insured. Star Health Criticare Plus Insurance Policy Sum Insured ranges from INR 2-10 lakh and will depend on your entry age. So, let’s read this page below and learn more about Star Health Criticare Plus coverage and exclusions.
Table of Contents
You will be covered against the following expenses under Star Health Criticare Plus Insurance Policy.
Only one lump sum payment is made during your lifetime regardless of the number of major illnesses you have suffered from. The hospitalization expenses will be payable to you till the date of diagnosis of the major illness. After that, a lump sum compensation will be paid to you. The following is the list of major illnesses for which Star Health will pay a lump sum.
There is a 30-day waiting period for illness treatment from the date of policy commencement. If a major illness is diagnosed to you within 90 days from the date of policy commencement, the same will not be payable by Star Health. The treatments and complications of pre-existing disease will be covered after a waiting period of 48 months.
Whereas the expenses related to the treatment of Cataract, Hysterectomy, knee or joint, varicose veins and varicose ulcers, Congenital Internal disease/defect.is going to be excluded until the expiry of 24 months. And after 12 months from the date of policy commencement, treatment of Benign Prostate Hypertrophy, Hernia, Hydrocele, Fistula in the anus, Piles, Sinusitis and related disorders, treatment for gallstones and renal stone will be covered under Star Health Criticare Plus Insurance Policy.
Expenses incurred on the following will not be payable under Star Health Criticare Plus Insurance Policy throughout the policy period.
Within fifteen days from the date of the policy document, you can read the terms and conditions and return the policy if it is not agreeable to you. And if the insured hasn’t made any claim under Star Health Criticare Plus Insurance Policy, he/she will be entitled to receive the paid premiums less the medical examination expenses and stamp duty charges.
To claim Star Health Criticare Plus Insurance Policy Sum Insured follow the steps below
Contact the 24X7 help-line number – 1800 425 2255 or 1800 102 4477
Tell your Policy Number to the service provider
If this is a planned hospitalization, inform Star Health 24 hours before hospitalization and receive a cashless treatment at any of the Star Health network hospitals. On the other hand, if it is an emergency hospitalization, inform Star Health within 24 hours of hospitalization and get cashless treatment in all network hospitals wherever possible. Otherwise, you can get treatment in a non-network hospital, and get the expenses reimbursed by Star Health later.