Star Health Critical Illness

It is good to be prepared by having a health insurance policy that will take care of the medical and other expenses in case of illness. But, then the question comes to mind if I already have health insurance coverage, do I need to purchase a critical illness policy? The simple answer to this question is, the kinds of illnesses that are covered under critical illness policies are usually long-term and sometimes life-threatening.

Even a few days of being critically sick can lead to exorbitant hospital bills, making it hard to maintain a favourable standard of living. These illnesses have a debilitating effect on the patient’s life, translate to huge medical costs and leave the families struggling to meet daily expenses. In such situations, a critical illness insurance policy becomes the saviour, having critical illness insurance helps you to stay financially equipped as it guarantees financial security when an individual requires funds for both medical treatments and for supporting the family.

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 a period up to 30 days before the date of hospitalization.
Post-hospitalisation benefits up to 7% of the total medical expenses, and it is paid as a lump sum. This benefit is subject to a maximum of Rs. 5,000.
Pre-existing illnesses which started before a person's health insurance went into effect 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 the time of renewal.
Copayment of 30% of each and every claim is mandatory for people with entry age above 60 years.
Portability option is available. However, the company must be notified at least 45 days prior to the date of renewal.

Star Health Critical Illness Plans

Star Health Insurance company is considered to be one of the most reliable options for health insurance plans in India. The critical illness insurance offered by Star Health Insurance comes with ample coverage and unique features that makes it a wise choice. Let us have a look at the plan.

Star Criticare Plus Insurance Policy

Provides reimbursement of hospitalization expenses incurred due to illness or accidental injuries and provides a lump sum payout.

Unique Features

Modern treatments
Non-allopathic treatments
Medicines and drugs cost

Other Critical Illness Health insurance companies

Star Critical Illness Health Insurance Plans

Hdfc Ergo Critical Illness Health Insurance Plans

ICICI Lombard Critical Illness Health Insurance Plans

Aditya Birla Critical Illness Health Insurance Plans

Reliance Critical Illness Health Insurance Plans

Choose Star Health Insurance Plan for

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 Rs.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 Rs.750 per hospitalization subject to a maximum of Rs.1,500 per policy period.
Non-allopathic treatment Up to 25% of the sum insured subject to a maximum of Rs.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 paid on the first diagnosis of the illness.

Health Insurance Companies

Star Health Insurance

Care Health Insurance

Aditya Birla Health Insurance

HDFC ERGO Health Insurance

Apollo Munich Health Insurance

Max Bupa Health Insurance

ICICI Lombard Health Insurance

Tata AIG Health Insurance

Bajaj Allianz Health Insurance

SBI Health Insurance

Royal Sundaram Health Insurance

ManipalCigna Health Insurance

Reliance Health Insurance

IFFCO Tokio Health Insurance

Future Generali Health Insurance

National Health Insurance

United India Health Insurance

New India Health Insurance

Navi Health Insurance

ACKO Health Insurance

Digit Health Insurance

ZUNO General Insurance

Universal Sompo Health Insurance

Liberty Health Insurance

Kotak Mahindra Health Insurance

Magma Health Insurance

Cholamandalam MS Health Insurance

Oriental Health Insurance

Raheja QBE MS Health Insurance

Know More About Health Insurance Companies

Eligibility of Star Health Critical Illness Plans

Here is the eligibility criteria to buy Star Critical Illness Insurance.

The person should be between the age of 18 years to 65 years.
The person who is above 65, can only renew the policy and not buy it.
The sum insured under this insurance policy is per individual covered.

Major Illnesses Covered Under Star Critical Illness Insurance

The major critical illnesses covered under Star Critical Illness Insurance Policy are:

First diagnosis of brain tumour, cancer, chronic kidney disease
Major organ transplant for the first time
Cerebro-vascular stroke causing hemiplegia (first time)
Acute myocardial infarction (first time)
Established irreversible quadriplegia
Established irreversible coma
Established irreversible paraplegia

Explore Star Health Insurance

Explore other Star Health Plans

To cater to the different medical needs of an individual & their family, Star Health offers several Health Plans. Along with Star Critical Illness Policy, there are other 21 health plans to choose from. Take a look below to explore more:

Comprehensive

Star Comprehensive Plan

This policy is designed to provide complete protection against all health care eventualities to you and your family.

Unique Features

Avail free health check-ups
Hospital Cash Benefit
100% Automatic Restoration

Star Comprehensive Plan (Pros)

99.6% CSR
Up to 1 Cr SI
Maternity Cover
New Born Baby Cover
Road and Air Ambulance

Star Comprehensive Plan (Cons)

No Global Coverage
No IVF Treatment
No compassionate Travel
HIV/AIDS not covered

Star Comprehensive Plan (Other Benefits)

Individual and family floater
Mid-term inclusion available
Accidental Death
Permanent Total Disablement
Star Wellness Program

Star Comprehensive Plan (Eligibility Criteria)

Entry Age - 3 Months
Max Entry Age - 65 Years
SI - 5 L to 1 Cr
Waiting Period - 30 Days

Comprehensive

Star Family Health Optima Policy

The plan is ideal for the families who want to get covered under single sum insured.

Unique Features

Automatic Restroration of SI
Instant Recharge UPTO 30% of SI
New born baby cover from 16th day

Family Health Optima Policy (Pros)

No Pre-Policy Check-up
Lifelong Renewability
High SI available
COVID-19 cover
OPD covered

Family Health Optima Policy (Cons)

PED cover not available
Obesity Treatment Unavailable
Hazardous Activities
HIV/AIDS not covered
Cosmetic Surgery unavailable

Family Health Optima Policy (Other Benefits)

Long term discounts
Premium Payment flexibility
Health Check-up Cover
Domiciliary Hospitalization
Modern Treatment Cover

Family Health Optima Policy (Eligibility Criteria)

Entry Age - 18 Years
Max Entry Age - 65 Years
SI - 1 L to 25 L
Waiting Period - 30 Days

Youth-specific

Star Young Star Policy

Created for young individuals under 40 years of age. It also offers various benefits such as discounts on renewals, incentive-led wellness programs, lowest waiting periods.

Unique Features

No-claim bonus
Hospital daily cash
Automatic restoration of SI

Star Young Star Policy (Pros)

Mid-term inclusion
10% discount on early purchase
Star Wellness Program
Flexible-Premium Payment
2 Plan variants

Star Young Star Policy (Cons)

PED waiting period
Obesity Treatment Unavailable
Hazardous Activity not covered
HIV/AIDS not covered
Cosmetic Surgery unavailable

Star Young Star Policy (Other Benefits)

Hospital Cash Benefit
Lifelong Renewal
E-opinion
No-claim bonus
Automatic Restoration

Star Young Star Policy (Eligibility Criteria)

Entry Age - 18 Years
Max Entry Age - 40 Years
SI - 3 L to 1 Cr
Waiting Period - 30 Days

Standard

Star Arogya Sanjeevani Policy

A standard health plan mandated by IRDAI that covers all essential healthcare benefits including Ayush treatment, day care procedures, etc. for individuals and families.

Unique Features

Room rent up to 5K/day
Modern treatments covered
20% rural discount available

Arogya Sanjeevani Policy (Pros)

Affordable Plan
50% No Claim Bonus
Flexible Policy
Day Care Procedures Covered
Up to 25% of SI for Cataracts

Arogya Sanjeevani Policy (Cons)

5% Co-payment
Obesity Treatment Unavailable
Hazardous Activity not covered
HIV/AIDS not covered
Cosmetic Surgery unavailable

Arogya Sanjeevani Policy (Other Benefits)

Lifelong Renewal
Road Ambulance Cover
Day Care Procedures Covered
AYUSH treatment Cover
Rural Discount

Arogya Sanjeevani Policy (Eligibility Criteria)

Entry Age - 3 Months
Max Entry Age - 65 Years
SI - 1 L to 10 L
Waiting Period - 30 Days

Comprehensive

Star Medi Classic Policy (Individual)

A uniquely designed insurance policy that covers organ donor expenses up to sum insured, AYUSH treatments, modern treatments, and many more.

Unique Features

All Daycare procedures
Automatic Restoration
Domiciliary hospitalization

Medi Classic Policy (Individual) (Pros)

Plan Variants Available
Customizable Plan
Hospital-Cash Benefit
5% Family Discount
Organ Donor Cover

Medi Classic Policy (Individual) (Cons)

10% Co-payment
Obesity Treatment Unavailable
Hazardous Activity not covered
HIV/AIDS not covered
Cosmetic Surgery unavailable

Medi Classic Policy (Individual) (Other Benefits)

New Born Baby Cover
100% Super Restoration
Up to 100% No-claim Bonus
Psychiatric coverage
Patient Care Cover

Medi Classic Policy (Individual) (Eligibility Criteria)

Entry Age - 16 Days
Max Entry Age - 65 Years
SI - 1.5 L to 25 L
Waiting Period - 30 Days

Flexible

Star Health Gain Policy

Provides flexibility in terms of choosing the Sum Insured amount, premium amount, family size. It can be a perfect tax saver for you.

Unique Features

All Daycare procedures
Coverage for Modern Treatment
Outpatient Expense

Star Health Gain Policy (Pros)

Day Care Procedures Covered
Road Ambulance Available
Modern Treatments Available
Outpatient Benefit

Star Health Gain Policy (Cons)

20% Co-payment
Obesity Treatment Unavailable
Hazardous Activity not covered
HIV/AIDS not covered
Cosmetic Surgery unavailable

Star Health Gain Policy (Other Benefits)

Up to 60k Cataract cover
Room Rent Cover
ICU Cover
Wide SI options
Flexible Premiums

Star Health Gain Policy (Eligibility Criteria)

Entry Age - 91 Days
Max Entry Age - 65 Years
SI - 1 L to 5 L
Waiting Period - 30 Days

Women Care

Star Women Care Plan

A special plan designed for women, wherein women can avail multifold benefits along with the coverage to the whole family.

Unique Features

Coverage for Modern Treatments
Coverage during Pregnancy
Preventive Health Check Up

Star Women Care Plan(Pros)

Designed for Women's Care
Cancer cover optional
Bariatric Surgery Cover
Mid-term inclusions
High SI

Star Women Care Plan (Cons)

Obesity Treatment Unavailable
Hazardous Activity not covered
HIV/AIDS not covered
Cosmetic Surgery unavailable
Congenital Disease Cover

Star Women Care Plan (Other Benefits)

10% long-term discount
10% Air Ambulance Cover
Pain Management Cover
Assisted Reproduction
Automatic Restoration

Star Women Care Plan (Eligibility Criteria)

Entry Age - 91 Days
Max Entry Age - 75 Years
SI - 5 L to 1 Cr
Waiting Period - 30 Days

Senior Citizen

Star Health Senior Citizens Red Carpet Policy

The plan is specially designed for those individuals who are willing to secure their old-age medical needs after their retirement.

Unique Features

Guaranteed Lifelong renewals
No Pre-acceptance Medical test
Availability of Instalment Facility

Senior Citizens Red Carpet Policy (Pros)

Individual & family floater plan
Flexible SI
Road Ambulance Cover
ICU cover
Health Check-up cover

Senior Citizens Red Carpet Policy (Cons)

Obesity Treatment Unavailable
Hazardous Activity not covered
HIV/AIDS not covered
Cosmetic Surgery unavailable
Congenital Disease Cover

Senior Citizens Red Carpet Policy (Other Benefits)

Flexible-Premium Payment
Cataract Treatment available
Modern treatment cover
No pre-policy checkup
OP Consultation

Senior Citizens Red Carpet Policy (Eligibility Criteria)

Entry Age - 60 Years
Max Entry Age - 75 Years
SI - 1 L to 25 L
Waiting Period - 30 Days

Top-up

Star Super Surplus Policy

The plan offers additional coverage to the policyholder in case their existing coverage is exhausted.

Unique Features

All Daycare procedure
Pre and Post Hospitalization
Organ Donor Expense

Star Super Surplus Policy (Pros)

Flexible Policy
Avail Long Term Discount
7 family cover size options
Lifelong renewal
3 Plan variants

Star Super Surplus Policy (Cons)

Includes Deductibles
Hazardous Activity not covered
HIV/AIDS not covered
Cosmetic Surgery unavailable
Congenital Disease Cover

Star Super Surplus Policy (Other Benefits)

Avail e-opinions
Star Wellness Services
Recharge benefit
Air Ambulance
No pre-policy Medical check-up

Star Super Surplus Policy (Eligibility Criteria)

Entry Age - 18 Years
Max Entry Age - 65 Years
SI - 5 L to 1 Cr
Waiting Period - 30 Days

Cardiac

Star Cardiac Care Policy

Star Cardiac Care is ideal for those individuals who want to cover the expenses of cardiac & non-cardiac ailments.

Unique Features

Accidents and non-cardiac ailments
Day care procedure
No pre-acceptance Medical test

Star Cardiac Care Policy (Pros)

Flexible Product
Personal Accident Cover
2 Plan Variants
Road Ambulance
Day Care Procedures

Star Cardiac Care Policy (Cons)

10% Co-Payment
PED
Cosmetic Surgery
Obesity Treatment
Change of Gender Treatments

Star Cardiac Care Policy (Other Benefits)

Personal Accident Cover
Heart Transplantation
OPD expenses Cover
Modern Treatment Cover
COVID-19 Cover
Cataract Cover

Star Cardiac Care Policy (Eligibility Criteria)

Entry Age - 10 Years
Max Entry Age - 65 Years
SI - 3 L to 4 L
Waiting Period - 30 Days

Cancer care

Star Cancer Care Gold (Pilot Product)

Covers the risk of spreading/recurrence of first cancer (metastasis) & second cancer (second malignancy)

Unique Features

Pre-hospitalization (30 days)
All daycare procedure
Nursing Expense

Autism Spectrum Disorder

Star Special Care Policy

Star Special Care provides coverage to children (3 years to 25 years) who are diagnosed with Autism Spectrum Disorder.

Unique Features

No Pre-medical test
Nursing Expense
Emergency Ambulance Charges

Star Special Care Policy (Pros)

Modern Treatment Available
Day Care Procedures Available
Ambulance cover
Room rent cover
Shared Accommodation cover

Star Special Care Policy (Cons)

Obesity Treatment Unavailable
Hazardous Activity not covered
HIV/AIDS not covered
Cosmetic Surgery unavailable
Pre-existing Diseases

Star Special Care Policy (Other Benefits)

Treatment of Seizures
Behavioral Therapy Cover
Speech Therapy Cover
Occupational Therapy Cover
Adeno Tonsillectomy

Star Special Care Policy (Eligibility Criteria)

Entry Age - 3 Years
Max Entry Age - 25 Years
SI - 3 L
Waiting Period - 30 Days

COVID-19

Star Novel Coronavirus (nCoV) (COVID-19) Insurance Policy

This plan is for individuals who want to protect themselves and their families against the deadliest virus of Covid-19.

Unique Features

No pre-medical Test
Only 16 days of Waiting Period
Low premium amount

COVID-19

Corona Kavach Policy

It covers the cost of hospitalization if the policyholder tested positive for COVID-19.

Unique Features

AYUSH Treatments
Home Care Treatment
No pre-medical screening test

COVID-19

Corona Rakshak Policy

This policy offers 100% sum insured to the policyholder if he/she tested positive for COVID-19.

Unique Features

No pre-medical screening test
Sum insured: INR 50K to 2.5Lakhs
Only 15 days Waiting Period

Health Insurance Articles

See More Health Insurance Articles

Star Health Insurance Critical Illness: FAQ's

1. Does Star Health Insurance for critical illness offer coverage for any expenses incurred on Lasik Surgery?

No, Star Health Insurance for Critical Illness doesn’t offer coverage for any expenses incurred on Lasik or Refractive Error Correction.

2. What are the critical factors that must be checked before buying Star Health Insurance for critical illness?

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.

3. Does Star Health Insurance for critical illness cover organ transplants?

Yes, the critical illness insurance from Star Health covers organ transplants.

What Our Customers Have to Say

Ranjan Kumar Verma

Patna

March 5, 2023

मैने 2016 में PolicyX.Com से Health Insurance Online Purchase किया था। अभी 2021 से मैं STAR HEALTH का Policy continue किया हूँ�...

sandeep singh

Chandigarh

January 12, 2023

Dnt buy any policy from Star health They are big fraud my father is admitted in hospital crucial stage they reject our claims without reason i will filled case against company in consumer court...

Sanjay naraware

Pune

November 8, 2022

Sanjay nanaware here, first of all I appreciate Star Health for your punctuality, service, conversation and I really thanks to Mr.Sanchin pathavnkar who has suggest star health policy.

Ritesh

Delhi

June 2, 2022

Star health insurance company is one of the most trusted brands and my experience has been good with the insurer.

Himanshu Gada

Delhi

May 25, 2022

Star is a good company. I have bought 2 plans from this company. One for myself, and another for my parents. I am happy with both the plan. Thank you PolicyX.com for helping me to find this gre...

samarth wadhwa

Guwahati

March 14, 2022

Star is one of the topmost insurance companies and they prove it with their services and plans. They have plans for each family member of mine starting from my parents to my own family and even...

rachana singh

Ahmedabad

February 24, 2022

I am star health s customers from last 5 months where i have got best customer service. They have a huge list of network hospitals which keeps me relaxed that i can get cashless treatment

paridhi

Hyderabad

February 17, 2022

No doubt that why people recommended me this company. They are loyal towards their customers and help them in every possible way.

View All Star Health Insurance Reviews

Reviewed By: Naval Goel

Naval Goel is the CEO & founder of PolicyX.com. Naval has an expertise in the insurance sector and has professional experience of more than a decade in the Industry and has worked in companies like AIG, New York doing valuation of insurance subsidiaries. He is also an Associate Member of the Indian Institute of Insurance, Pune. He has been authorized by IRDAI to act as a Principal Officer of PolicyX.com Insurance Web Aggregator.

Confused? No Worries, We Are Here To Help!

Star Health Critical Illness

Features of Star Critical Illness Insurance

Star Health Critical Illness Plans

Other Critical Illness Health insurance companies

Choose Star Health Insurance Plan for

Benefits of Star Health Critical Illness Insurance

Health Insurance Companies

Eligibility of Star Health Critical Illness Plans

Major Illnesses Covered Under Star Critical Illness Insurance

Explore Star Health Insurance

Explore other Star Health Plans

Star Comprehensive Plan (Pros)

Star Comprehensive Plan (Cons)

Star Comprehensive Plan (Other Benefits)

Star Comprehensive Plan (Eligibility Criteria)

Family Health Optima Policy (Pros)

Family Health Optima Policy (Cons)

Family Health Optima Policy (Other Benefits)

Family Health Optima Policy (Eligibility Criteria)

Star Young Star Policy (Pros)

Star Young Star Policy (Cons)

Star Young Star Policy (Other Benefits)

Star Young Star Policy (Eligibility Criteria)

Arogya Sanjeevani Policy (Pros)

Arogya Sanjeevani Policy (Cons)

Arogya Sanjeevani Policy (Other Benefits)

Arogya Sanjeevani Policy (Eligibility Criteria)

Medi Classic Policy (Individual) (Pros)

Medi Classic Policy (Individual) (Cons)

Medi Classic Policy (Individual) (Other Benefits)

Medi Classic Policy (Individual) (Eligibility Criteria)

Star Health Gain Policy (Pros)

Star Health Gain Policy (Cons)

Star Health Gain Policy (Other Benefits)

Star Health Gain Policy (Eligibility Criteria)

Star Women Care Plan(Pros)

Star Women Care Plan (Cons)

Star Women Care Plan (Other Benefits)

Star Women Care Plan (Eligibility Criteria)

Senior Citizens Red Carpet Policy (Pros)

Senior Citizens Red Carpet Policy (Cons)

Senior Citizens Red Carpet Policy (Other Benefits)

Senior Citizens Red Carpet Policy (Eligibility Criteria)

Star Super Surplus Policy (Pros)

Star Super Surplus Policy (Cons)

Star Super Surplus Policy (Other Benefits)

Star Super Surplus Policy (Eligibility Criteria)

Star Cardiac Care Policy (Pros)

Star Cardiac Care Policy (Cons)

Star Cardiac Care Policy (Other Benefits)

Star Cardiac Care Policy (Eligibility Criteria)

Star Cancer Care Gold (Pilot Product)

Star Special Care Policy (Pros)

Star Special Care Policy (Cons)

Star Special Care Policy (Other Benefits)

Star Special Care Policy (Eligibility Criteria)

Corona Kavach Policy

Corona Rakshak Policy

Health Insurance Articles

Niva Bupa Health Claim StatusMay, 2023

Care Health Insurance Policy and Claim StatusMay, 2023

ICICI Lombard Health Insurance Covered Diseases ListMarch, 2023

ManipalCigna Premium Payment ProcessMarch, 2023

Tata AIG Health Insurance Premium PaymentMarch, 2023

Health Insurance With No Waiting PeriodMarch, 2023

No Waiting Period In Maternity Insurance?March, 2023

Deadliest Diseases In IndiaMarch, 2023

Waiting Period in Health InsuranceDecember, 2022

Monkeypox Health InsuranceSeptember, 2022

How Does Health Insurance works in indiaSeptember, 2022

Dr YSR Aarogyasri SchemeJune, 2022

Star Health Insurance Covered Diseases ListJune, 2022

Copay in Health InsuranceMarch, 2022

Personal Accident InsuranceMarch, 2022

Health Insurance Premium in EMI InstallmentsMarch, 2022

Health Insurance Without Medical CheckupsMarch, 2022

GST on Health Insurance PremiumMarch, 2022

What is OPD Cover?March, 2022

Deductibles in Health Insurance in IndiaMarch, 2022