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All about Star Health Insurance and Plans
Star Health Insurance
Star Health Critical Illness
Star Critical Illness plans are versatile and provide multiple coverag ...Read More
Up to 1 Cr
Sum insured
1
No. of plans
850+
Pan India presence
99.06%
Claim settlement ratio
🛡️ IRDAI Approved
⭐ 4.4/5 · 2,761 reviews
🏥 14,000+ hospitals
📊 2.21 solvency ratio
✅ 99.06% claim settlement
About Star Health Critical Illness
A quick read on what this Star Health Insurance plan covers and why it might be a fit for you.
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 at a glance
Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.
Plan type
Critical Illness Health Insurance
*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.
Pros & cons
A quick honest summary — the strengths and the trade-offs.
Pros
- Pre-hospitalisation covered
- No survival period applicable
- Sum insured enhancement option
Cons
- Self-inflicted injuries
- Maternity not covered
- Cosmetic procedures
Video reviews
Walkthroughs from the PolicyX team — pros, cons, real claim experiences and who should buy.
9 Best Critical Illness Insurance Plans
Star Health Insurance Plan Detailed Review
Benefits of Star Health Critical Illness Insurance
Star's Critical Illness Insurance comes with the following benefits for policyholders:
- Room, boarding, and nursing expenses: Up to 2% of the sum insured, subject to a maximum of ₹4,000 per day.
- Medical expenses covered: Surgeon's fee, consultant's fee, specialist's fee, anaesthetist's fee, cost of drugs & medicines, etc.
- Emergency ambulance charges: Up to ₹750 per hospitalisation, subject to a maximum of ₹1,500 per policy period.
- Non-allopathic treatment: Up to 25% of the sum insured, subject to a maximum of ₹25,000 per policy period.
- Cover for major illnesses: A lump sum payment equal to the sum insured amount is paid to the insured person. This is a one-time payment made on the first diagnosis of the illness.
Features of Star Critical Illness Insurance
Some of the key features that Star Health Critical Illness Plans provide are:
- Pre-hospitalisation medical expenses are covered for up to 30 days before hospitalisation.
- Post-hospitalisation benefits up to 7% of total medical expenses, paid as a lump sum, subject to a maximum of ₹5,000.
- Pre-existing illnesses are covered after 48 months of continuous policy coverage.
- There is no survival period for major illnesses covered.
- The premium amount paid is eligible for tax relief under Section 80D of the Income Tax Act.
- The sum insured amount can be enhanced during renewal.
- A 30% co-payment is mandatory for each claim for individuals with an entry age above 60 years.
- Portability option is available. However, the company must be notified at least 45 days prior to renewal.
Star Health Insurance Network Hospital List
Star Health Insurance Network Hospitals are present in 31 states nationwide. With a wide network of hospitals, Star Health Insurance ensures that you are medically secured, irrespective of the city you reside in.
Inclusions & exclusions
What the plan pays for, and what it doesn't.
Inclusions
- Age: 18 to 65 years.
- Individuals above 65 years can only renew the policy, not purchase a new one.
- Sum insured is per individual covered.
- First diagnosis of brain tumour, cancer, chronic kidney disease.
- First major organ transplant.
- First cerebrovascular stroke causing hemiplegia.
- First acute myocardial infarction.
- Established irreversible quadriplegia.
- Established irreversible coma.
- Established irreversible paraplegia.
Who can buy this plan
Eligibility criteria pulled straight from the policy wording.
- Entry Age: 18 to 65 years
- Renewability: Yes
Other features & benefits
- Affordable premiums
- Room and nursing expenses covered
- Cover for major critical illnesses
Star Health Insurance Critical Illness: FAQs
The 3 most-asked questions about Star Health Critical Illness, answered.
No, Star Health Insurance for Critical Illness doesn’t offer coverage for any expenses incurred on Lasik or Refractive Error Correction.
Important factors before buying a critical health policy from Star Health Insurance company are: Check for the number of critical illnesses covered. Check the sum insured. Check the waiting period.
Yes, the critical illness insurance from Star Health covers organ transplants.
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PolicyX content is researched in-house and reviewed by an IRDAI-certified insurance specialist before publication.
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