Star Critical Illness Multipay Insurance Policy
IRDAI UIN: SHAHLIP22140V012122
HIGHLIGHTS
Plan Essentials
Entry Age
Unique Cover
Installment Facility
Star Wellness Program
DETAILED LIST
Understand what’s included
IMPORTANT HIGHLIGHTS
Policy TermThis policy can be availed for a term of one, two or three years. |
Pre-Medical ExaminationPre-acceptance medical screening is not required to avail this policy by those who are aged below 50 years. However, those who are aged above 50 years and those who have adverse medical history need to undergo pre-medical screening. |
Sum InsuredThe minimum Sum Insured of this policy is Rs. 5,00,000/- and the maximum is Rs. 25,00,000/- (in the multiples of Rs. 1,00,000/-).
1) For Earning persons -12 times of yearly income for 18 – 35 yrs age and 10 times of yearly income for above 35 yrs age. The maximum Sum Insured cannot exceed Rs.25 lakhs.
2) For Non-Earning persons – Maximum up to 15 lakhs. Non-earning Sum Insured cannot be more than the Sum Insured for the primary member. |
Wide Critical Illness CoverThis wide critical illness cover is used for major critical illnesses grouped into four categories. |
Cancer CoverThis policy provides lump sum cover for Cancer related major diseases. |
Heart Disease CoverThis policy provides lump sum cover for major heart related conditions. |
Brain & Nervous SystemThis policy provides lump sum cover for critical illnesses related to brain and nervous system. |
Major Organ & Other ConditionsThis policy provides lump sum cover for critical illnesses related to major organs and other conditions. |
Instalment OptionsThe policy premium can be paid on a quarterly or half-yearly basis. It can also be paid on an annual, biennial (once in 2 years) and triennial (once in 3 years) basis. |
STAR HEALTH
Why Choose Star Health Insurance?
As a Health Insurance specialist, we extend our services from offering tailor-made products to fast in-house claim settlements. With our growing network of hospitals, we ensure easy access to fulfill your medical needs.
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We are committed to saving you time, saving you money, and getting rid of the hassles that make health insurance so hard to navigate.
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Thiruvananthapuram
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Bengaluru
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Chennai
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Indore
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My friend told me to buy health insurance from Star Health Insurance. That helped me during my son’s illness. Their cashless treatment facility was very helpful at the time. I truly appreciate their service and support.
I have been with Star Health Insurance for the past 8 years, and have applied for two claims in that time. Both claims got settled, and I received good support from the company during my hospitalisation.
My family has been with Star Health Insurance since 2006. Our claim, which we applied during last month, was handled without any hassle. We are happy that we are part of such service providers.
Star Health Insurance helped me a lot when I was in need. I was covered under Star’s Comprehensive policy, which provided me cashless treatment at their network hospital during my Angioplasty surgery.
I have been using Mediclaim services for the last 7-8 years. I had tried other companies. But, I satisfied with the service Star Health Insurance has provided me, they also have friendly support personnel.
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Comprehensive Critical Illness Cover with Star Health
Dealing with a life-threatening illness not only takes a toll easily on one's emotions but also their finances. With the Star Critical Illness Multipay Insurance Policy, one does not have to worry anymore because this is one of the most dependable safety nets available.
It provides a lump sum payout upon the diagnosis of any one of 37 specified critical illnesses such as cancer, heart attack, brain surgery, issues requiring major organ transplant and more. Also, you get cashless hospitalisation in a wide array of network hospitals, E-Pharmacy services, home pickup of lab samples, and more.
Thus, even if life decides to throw a curve ball at you, availing of critical illness insurance with Star Health will ensure that you are well-prepped to face it head-on.
What is Critical Illness Cover?
A critical illness insurance policy offers protection and finances in the unfortunate event you are diagnosed with a life-threatening disease like cancer, stroke, heart attack, or renal failure. The policyholder, on the first diagnosis of any pre-listed critical illness, gets a lump-sum amount, which is meant to take care of the exorbitant costs related to the treatment.
As a result, critical illness health insurance coverage ensures that you do not have to touch your savings to get the essential treatment. Furthermore, it includes a range of other critical medical conditions like third-degree burns, unstable coma, kidney failure requiring regular dialysis, major head trauma, Alzheimer's disease and more.
Thus, if you want to prepare yourself to face the unexpected in life, consider getting a critical illness insurance plan. It will be a worthy investment for you and your family. Looking for the best critical illness insurance plans online?
Check out Star Critical Illness Multipay Insurance Policy now!
Star Critical Illness Multipay Insurance Policy: Key Highlights
The Star Critical Illness Multipay Insurance Policy is essential for all individuals seeking financial protection against major life-threatening diseases. Following are some of its salient features:
Unique Cover
Our critical illness plan offers a comprehensive solution, ensuring peace of mind by providing a lump-sum payout on the diagnosis of any one of 37 critical illnesses, including cancer, heart disease, and stroke.
What's more, this policy can be availed for a time period of one, two, or three years, making it a flexible way to gain coverage based on your health condition.
Flexible Payment Options
Pay your premium with ease! The policy offers an installment facility—choose to pay quarterly, half-yearly, annually, or even on a biennial or triennial basis.
Pre-Medical Examination
For those below 50 years of age, no pre-acceptance medical screening is required. However, individuals above 50 years or with an adverse medical history need to undergo a pre-medical examination.
Sum Insured
The minimum sum insured under this policy starts at ₹5,00,000/-, with a maximum limit of ₹25,00,000/-, in multiples of Rs. 1,00,000/-. For individuals earning a living, the sum insured is 12 times their yearly income (for ages 18–35 years) and 10 times (for those above 35 years). Non-earning persons can avail a maximum sum insured up to ₹15,00,000/-.
Wide Critical Illness Cover
This critical insurance policy covers major health conditions which are grouped into four essential categories:
●Cancer Cover: Provides lump sum cover for cancer-related illnesses.
●Heart Disease Cover: Covers major heart conditions.
●Brain & Nervous System: Offers coverage for critical illnesses related to the brain and nervous system.
●Major Organ & Other Conditions: Includes critical illnesses related to major organs and other serious conditions.
The Star Critical Illness Multipay Insurance policy offers the best critical illness insurance coverage, ensuring you are protected against the unexpected while keeping your financial well-being intact. Secure your health today with this trusted plan!
Special Conditions of Star Critical Illness Multipay Insurance Policy
The Star Critical Illness Multipay Insurance Policy offers comprehensive coverage to all eligible individuals. However, there are some special conditions that need to be satisfied. They are as follows:
●Entry Age: Individuals aged between 18 years and 65 years can avail of this plan.
●Waiting Period: A waiting period of 90 days applies from the commencement of cover before the first diagnosis of any covered major disease.
●Survival Period: The insured person must survive for 15 days after the diagnosis of the major disease for the claim to be valid.
●Claim Limit: Only one claim is admissible under each category, but individuals can benefit up to 400% of the chosen basic sum Insured as a lump sum payout.
●Waiting Period Between Conditions: A 12-month waiting period is applied between the occurrence of each covered critical illness condition.
●Policy Renewal: The policy can be renewed as long as at least one category remains where no claim has been made.
●Claim Limit Per Year: A maximum of one claim is payable in a policy year.
Additional Benefits
●Online Discount: Get an attractive 5% online discount for your first purchase, making it even more affordable to secure your health.
Given the rising healthcare costs and the increasing occurrence of critical illnesses, investing in Star Critical Illness Insurance is a wise decision. It helps protect you financially when you need it most, ensuring your well-being and that of your loved ones.
Why is Star Health the best for critical illness insurance?
When it comes to critical illness insurance, Star Health offers unmatched services and benefits, ensuring that you get the best care when you need it most. Following are some reasons why you should consider choosing the Star Critical Illness Multipay Insurance policy:
24/7 Customer Service
With 24/7 customer service, you can reach out at any time by calling 1800-425-2255 for claim intimations and telehealth services and to clear any queries, ensuring a seamless experience.
In-House Claim Settlement
As a pioneer in the industry, Star Health is the first standalone health insurance company to settle claims in-house without any third-party administrator (TPA). This helps ensure faster and more efficient claims processing.
Quick and Easy Claim Settlement
Star Health stands out with 90% of claims settled under cashless within just 2 hours and 92% of claims under reimbursement settled within 7 days. This rapid service guarantees that your financial needs are met without delays.
Extensive Network of Hospitals
Apart from availing cashless treatment at our vast range of 14,000+ network hospitals, you can also visit our agreed network hospitals. They provide cost-effective rates for medical and surgical procedures, ensuring you receive top-notch treatment at affordable prices.
Additionally, you have access to valuable service providers who have been specially recognised for their services and quality.
Wellness Program & Rewards
We believe in proactive health management, which is why Star Health offers a wellness program that rewards you for maintaining a healthy lifestyle. Enjoy renewal discounts and other benefits as you stay healthy and fit.
Diagnostic Centres & E-Pharmacy
With access to 1,635 diagnostic centres across India, Star Health makes it easy for you to get lab samples picked up from home and even enjoy health checkups at your doorstep. Additionally, our E-Pharmacy lets you order medicines online at a discounted price, with home delivery available in over 2,780 cities.
With all these exclusive benefits, Star Health is undoubtedly your best choice for critical illness insurance. We go the extra mile to ensure that you are covered and receive the best possible care when it matters the most.
Check out the Star Critical Illness Multipay Insurance policy today!