Star Critical Illness Plans
Critical illnesses are serious medical problems that may need emergency care or intensive care, or they can require extensive surgery. Medical expenses during treatment can be significant since individuals with severe illnesses frequently need long-term care. It can benefit the policyholder in these circumstances to get health insurance with critical illness coverage.
Star Health Insurance provides coverage for critical illness as an add-on and has a specific plan available. Star Critical Illness Multipay Policy is a unique critical illness plan offered by Star Health Insurance. One of the greatest basic health insurance policies is Star Critical Illness Health Insurance, which provides coverage for amounts between Rs. 5 lakh and Rs. 25 lakh. After a 12-month initial waiting period, 37 serious illnesses are covered.
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Benefits of Star Critical Illness Cover
The following are the unique benefits provided by the Star Critical Illness Health Insurance Plan:
- Installment Option: Customers of Star Health Insurance have the option to pay their premium for this plan in installments. Monthly, quarterly, or annual premium payments are accepted from the customers.
- Unique Cover: The Star Critical Multipay plan is a special benefit because it covers 37 critical illnesses. Clients' financial problems are reduced by Star Health Insurance's extensive list of severe illnesses that are covered.
- Star Wellness Program: To help its policyholders maintain their health and fitness, Star Health Insurance also provides them with access to the Star Wellness Program. In addition, if policyholders maintain good health during the insurance year, this benefit aids in their eligibility for the no-claim bonus.
- No Pre-Medical Examination: To get this critical illness protection, customers who are 50 years of age or under are exempt from having to undergo a pre-medical examination.
- Wide Critical Illness Cover: Major critical illnesses fall into four categories under the Star Health Insurance critical illness plan: cancer, heart, brain and nervous system, and major organ.
Star Critical Illness Coverage and Limits
Clients of the Star Critical Illness Cover & Plan get access to more than 37 different conditions. Major illnesses are covered by this critical illness coverage.
The following table shows the benefits and limitations of Star Health Insurance's Critical Illness Health Insurance Plan:
Inclusions | Exclusions |
Star wellness Progress | Critical Illnesses not in the number of illnesses covered |
No Claim Bonus | Pre-Existing Disease |
Installment Option | Drug or Alcohol Abuse |
Donor Cover | War |
Dialysis Cover | Adventure Sports |
Pre and Post Hospitalisation | Illness Caused by Experimental Treatment |
Tax Benefits, etc. | Cosmetic Surgery, etc. |
The types of critical illnesses covered:
- Cancer of Specified Severity
- Bone Marrow Transplantation
- Aplastic Anaemia
- Myocardial Infarction
- Open Chest CABG
- Open Heart Replacement or Repair of Heart Valves
- Primary (Idiopathic) Pulmonary Hypertension
- Heart Transplantation
- Surgery of Aorta
- Dissecting Aortic Aneurysm
- Other Serious Coronary Artery Disease
- Cardiomyopathy of Specified Severity
- Coma of Specified Severity
- Stroke Resulting in Permanent Symptoms
- Permanent Paralysis of Limbs
- Motor Neuron Disease with Permanent Symptoms
- Multiple Sclerosis with Persisting Symptoms
- Benign Brain Tumour
- Loss of Speech
- Major Head Trauma
- Alzheimer's Disease
- Creutzfeldt-Jacob Disease (CJD)
- Encephalitis
- Muscular Dystrophy
- Bacterial Meningitis
- Brain Surgery
- Progressive Supranuclear Palsy
- Apallic Syndrome
- Major Organ Transplantation (of lung, liver, kidney, pancreas)
- Kidney Failure Requiring Regular Dialysis
- Blindness
- Deafness
- End Stage Liver Failure
- Third-Degree Burns
- Fulminant Hepatitis
- Systemic Lupus Erythematous with Lupus Nephritis
- End Stage Lung Failure
Eligibility Criteria for Star Critical Illness Plan And Add-on
The plan may be obtained by adults who are at least eighteen years old and no older than sixty-five. You can talk to an advisor from InsuranceDekho or Star Health Insurance for further details.
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Who do you want to insured ?
- Individual
- Couple
- Family
- Parents
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How to Add Critical Illness Cover as an Add-On on the Star Health Insurance
Online Process
From InsuranceDekho:
Step 1: Go to the official InsuranceDekho website.
Step 2: Enter your information.
Step 3: Choose the Star Critical Multipay plan.
Step 4: Complete the payment to conclude the purchase.
Step 5: To confirm the policy issue, an InsuranceDekho advisor will give you a call.
From Star Health Insurance:
Step 1: Go to the official website of Star Health Insurance.
Step 2: To be taken to a new page, click the "Buy Now" option.
Step 3: Enter your information to begin the process of buying a new plan.
Offline Process
From InsuranceDekho:
To obtain health insurance coverage, call 7551196989 to speak with an expert at InsuranceDekho. Furthermore, InsuranceDekho offers its clients inside support to address any queries or worries they may have.
Documents Required
- Voter ID Card
- Pan Card
- Aadhaar Card
- Driving Licence
- Passport
- Birth certificate
- 10th or 12th mark sheet
Star Critical Illness Customer Care & Assistance
Use the following Star Health customer care channels to obtain help with the plan, purchase, renewal, upgrade, etc.:
InsuranceDekho:
Email: support@insurancedekho.com
Helpline Number: 7551196989
Star Health Insurance:
Email: support@starhealth.in
Helpline Number: 1884252255
FAQs
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Can the critical illness plan of Star Health be purchased as a standalone?
Star Health Insurance has a policy specifically for critical illness, Star Critical Illness Multipay Insurance Policy. This plan covers critical illness in 4 groups offering coverage to 37 illnesses.
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Are there any age restrictions for purchasing a critical illness plan by Star Health Insurance?
The age restrictions for purchasing a Star Health Insurance Policy are 18 years to 65 years. People within this age group are eligible to purchase a Star Health Insurance policy for Critical Illness.
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Can I pay an extra premium to waive the waiting period for a critical illness plan by Star Health Insurance?
Yes, a policyholder has the benefit of reducing the waiting period for critical illness by paying extra premiums under Star Health Insurance.
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Is the Critical Illness Plan by Star Health insurance family floater based?
Yes, Star Health Insurance offers family members coverage of critical illnesses under their family floater-based plans.