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Star Critical Illness Multipay Insurance Policy is designed to cater to individuals by providing them with lump sum coverage upon diagnosis of any of the 37 listed critical illnesses. Individuals aged 18 to 65 years can avail of this policy. Star Critical Illness Multipay Policy comes with a wide range of benefits and covers critical illnesses by grouping them into four categories:
The minimum sum insured for the plan is INR 5 lakhs, extending up to INR 25 lakhs. The policy offers a flexible premium payment structure, allowing premiums to be paid quarterly, half-yearly, or annually. The first diagnosis of a covered critical illness must occur only after 90 days from the commencement of cover.
| PLAN DETAILS |
Star Critical Illness Multipay Policy |
Medicare Plus Plan |
| Product Type | Critical Illness Health Insurance | Top Up and Super Top Up |
| Key Features (Key features of the plan) |
|
|
| OPD Details (In some policies, OPD (Out patient department) expenses are also covered.) |
- | Not Covered |
|
Room Rent (A limit of room rent cover during hospitalization if any) |
- | Covered |
| Domicillary Hospitalization (It is the expenses incurred on treatment of the patient at home) |
- | Covered |
| Pre-hospitalization (Expenses before the insured is hospitalized) |
- | Covered |
| Post-hospitalization (Expenses after discharge from the hospital) |
- | Covered |
| Day Care Treatment Covered (Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.) |
- | Covered |
| Hospital_network (Number of Hospital Network in city) |
14000 | 11000 |
| Organ Donor Expenses (Expenses incurred on organ donor in case of organ transplants) |
- | Covered |
|
Hospital Daily Allowance (Some plans offer daily allowance to take care of expenses like food, etc) |
- | Not Covered |
| Ambulance Charges (Expenses incurred on ambulance charges) |
- | Covered |
|
Maternity Benefits (All Hospitalization cost covered at the time of pregnancy.) |
- | Not Covered |
| New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period) |
- | Not Covered |
| Health Checkup (An added benefit of one time full health checkup of policy holder.) |
- | Covered |
|
Sub Limit (Sub-limit is a monetary capping that applies on specific diseases like cataract) |
- | Covered |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
- | Not Covered |
| Plan Entry Age | 18 to 65 Years | 3 Months to 65 Years |
| Plan Premium Entry Age and S/A | 2097 | 1010 |
| Plan Waiting Period | 15 | 30 |
| Plan Coverage | - | - |
| Plan Sample Premium | - | 1010 |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | 1/2/3 Years | 1,2,3 years |
| ICU Charges | - | Covered |
| Covid-19 Treatment | - | Covered |
| Cataract | - | Not Covered |
| Automatic Restoration | - | Covered |
| Ayush Treatment | - | Covered |
| Modern Treatment | - | Not Covered |
| E Consultation | - | Not Covered |
| Air Ambulance | - | Not Covered |
| Global Coverage | - | Covered |
| Claim Ratio | 99.06 | - |
| Solvency Ratio | 2.21 | 1.81 |
|
Star Health Insurance Plan Detailed Review |
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