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It is wise to be prepared with a health insurance policy to cover medical and other expenses in case of illness. However, if you already have health insurance coverage, you might wonder if a critical illness policy is necessary. The simple answer is yes, as critical illnesses are typically long-term and often life-threatening.
Even a few days of critical illness can lead to exorbitant hospital bills, making it difficult to maintain a favourable standard of living. These illnesses have a debilitating effect on the patient's life, result in huge medical costs, and can leave families struggling to meet daily expenses. In such situations, a critical illness insurance policy becomes a saviour. It helps you stay financially equipped by guaranteeing financial security when funds are needed for both medical treatments and family support.
| PLAN DETAILS |
Star Critical Illness Plan |
Zuno Empower Health Insurance |
| Product Type | Critical Illness Health Insurance | Individual |
| 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) |
- | Not 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 | 10000 |
| Organ Donor Expenses (Expenses incurred on organ donor in case of organ transplants) |
- | Not 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.) |
- | Not Covered |
|
Sub Limit (Sub-limit is a monetary capping that applies on specific diseases like cataract) |
- | Not Available |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
- | Not Available |
| Plan Entry Age | - | Min- 3 months, Max- No age limit |
| Plan Premium Entry Age and S/A | - | 7,600 |
| Plan Waiting Period | - | 30 |
| Plan Coverage | - | Hospitalization expenses, pre post expenses, daycare treatments, AYUSH modern treatment |
| Plan Sample Premium | - | 7,600 |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | - | 1 year |
| ICU Charges | - | Covered |
| Covid-19 Treatment | - | Covered |
| Cataract | - | Covered |
| Automatic Restoration | - | Not Covered |
| Ayush Treatment | - | Covered |
| Modern Treatment | - | Covered |
| E Consultation | - | Not Covered |
| Air Ambulance | - | Not Covered |
| Global Coverage | - | Not Covered |
| Claim Ratio | 99.06 | 98.54 |
| Solvency Ratio | 2.21 | 1.97 |
|
Star Health Insurance Plan Detailed Review |
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