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All about Star Health Insurance and Plans
Star Health Insurance
Star Critical Illness Multipay
This plan is designed to cover 37 critical ailments. It offers multipl ...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 · 2,756 reviews
🏥 14,000+ hospitals
📊 2.21 solvency ratio
✅ 99.06% claim settlement
About Star Critical Illness Multipay
A quick read on what this Star Health Insurance plan covers and why it might be a fit for you.
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:
- Cancer Cover
- Heart Disease Cover
- Brain and Nervous System Cover
- Major Organs and other conditions
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 at a glance
Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.
Entry age
18 to 65 Years
Plan type
Critical Illness Health Insurance
Sum insured options
₹5 L
Waiting period
15 days
Renewability
NA
Policy term
1/2/3 Years
*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
- Flexible Payment
- Long Term Policy
- Bone Marrow Transplantation
- Heart Disease Cover
- 4 Group CI Covered
Cons
- Obesity Treatment Unavailable
- Hazardous Activity not covered
- HIV/AIDS not covered
- Cosmetic Surgery unavailable
- Injuries due to breach of law
Video reviews
Walkthroughs from the PolicyX team — pros, cons, real claim experiences and who should buy.
Star Health Insurance Plan Detailed Review
Star Critical Illness Multipay Insurance Policy Benefits
The plan is designed to provide efficient medical care to individuals diagnosed with critical illnesses across four categories. The benefits and features offered under the plan are mentioned below:
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Star Wellness Benefit
Investing in the Star Critical Illness Multipay health insurance plan provides 'Star Wellness Benefits', an added feature that encourages and rewards individuals for maintaining good health. By fulfilling certain fitness and wellness tasks, insured individuals can earn wellness points, which can then be redeemed for premium discounts on renewals.
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Premium Payment Flexibility
The Star Critical Illness Multipay Health Insurance plan offers premium payment flexibility, allowing premiums to be paid quarterly, half-yearly, or annually.
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High Sum Insured
When purchasing the plan, insured individuals can choose from sum insured options ranging from INR 5 lakhs up to INR 25 lakhs. However, the sum insured for a non-earning member cannot exceed that of an earning member.
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Avail Cancer Cover
The Star Critical Illness Multipay Health Insurance Policy provides cancer coverage. The plan covers multiple health issues across four categories, including major organ ailments, heart ailments, and nervous system problems.
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Tax Benefit
All premiums paid towards the Star Critical Illness Multipay Insurance Policy are eligible for tax benefits under the Income Tax Act of India.
Star Critical Illness Multipay Insurance Policy Coverage
The critical illnesses and coverage terms available under the Star Critical Illness Multipay Insurance plan are mentioned below:
Cancer Cover
- Cancer of Specified Severity
- Bone Marrow Transplantation
- Aplastic Anaemia
Heart Cover
- Myocardial Infarction
- Open Chest CABG
- Open Heart Replacement or Repair of Heart Valves
- Primary Pulmonary Hypertension
- Heart Transplantation
- Surgery of Aorta
- Dissecting Aortic Aneurysm
- Other Serious Coronary Artery Disease
- Cardiomyopathy of Specified Severity
Brain & Nervous System Cover
- Coma of Specified Severity
- Stroke Resulting in Permanent Symptoms
- Permanent Paralysis of Limbs
- Motor Neuron Disease with Permanent Symptoms
- Benign Brain Tumor
- Loss of Speech
- Major Head Trauma
- Alzheimer's Disease
- Muscular Dystrophy
Major Organ & Other Conditions
- Major Organ Transplantation
- Kidney Failure Requiring Regular Dialysis
- Blindness
- Deafness
- End Stage of Liver Failure
- Third Degree Burns
- End Stage Lung Failure
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.
Exclusions
- Obesity and weight management surgeries
- Change of gender treatments
- Cosmetic or Plastic Surgeries
- Treatments due to Substance Abuse
- Sterility and Infertility Treatments
Who can buy this plan
Eligibility criteria pulled straight from the policy wording.
- Entry Age: - 18 Years
- Max Entry Age: - 65 Years
- SI: - 5 L to 25 L
- Waiting Period: - 30 Days
Other features & benefits
Conclusion
The Star Critical Illness Multipay Insurance Plan offers comprehensive coverage across four categories of critical illnesses: cancer, heart, major organs, and brain and nervous system-related conditions. It is a versatile plan offering wellness benefits and premium discounts to insured individuals upon renewal. Critical Illness coverage provides a secure healthcare plan to tackle multiple critical illnesses, offering financial security.
Star Critical Illness Multipay Insurance Policy: FAQs
The 3 most-asked questions about Star Critical Illness Multipay, answered.
The health plan provides coverage for 37 critical illnesses grouping them into 4 different categories.
The entry age for the Star Critical illness multipay policy is 18 to 65 years.
The sum insured range available with Star Critical Illness Multipay policy is 5 to 25 Lakhs.
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PolicyX content is researched in-house and reviewed by an IRDAI-certified insurance specialist before publication.
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