Star Health Critical Illness Plans
Star Health and Allied Insurance Company provides health insurance plans that cover serious diseases. There are three types of plans:
- Star Criticare Plus Insurance Policy
- Star Cancer Care Gold (Pilot Product)
- Star Cardiac Care Policy
Below are the details of these critical illness plans.
Star Criticare Plus Insurance Policy
This policy provides coverage for 9 serious diseases. If a covered illness is diagnosed, the payment is made in one lump sum.
1Who Can Buy?
Anyone between 18 to 65 years can purchase this policy.
2How It Helps?
It covers medical expenses for the following critical illnesses:
- First diagnosis of Cancer
- Chronic Kidney Disease
- Heart Attack (Acute Myocardial Infarction)
- Brain Tumor (First-time diagnosis)
- Major Organ Transplant (First-time surgery)
- Irreversible Paraplegia (Permanent lower body paralysis)
- Stroke causing Hemiplegia (One-sided body paralysis)
- Irreversible Coma
- Irreversible Quadriplegia (Permanent paralysis of all four limbs)
This plan provides financial support for serious health conditions, making treatment easier and stress-free.
Star Cardiac Care Insurance Policy
This policy provides financial support for heart-related treatments and also covers non-cardiac hospitalization and accident expenses.
1Who Can Buy?
Anyone between 10 to 65 years old who has:
- Had stenting or bypass surgery in the last 7 years
- A corrected Atrial Septal Defect (ASD) or Ventricular Septal Defect (VSD)
- A treated Patent Ductus Arteriosus
- Undergone RF Ablation or an Angiogram that did not require further treatment
2Coverage Details
- Cardiac Cover: Special insurance plan for people with existing heart conditions
- Flexible Coverage: Also covers non-heart-related treatments and accidents
- Out-Patient Cover: Includes benefits for out-patient medical expenses
- Waiting Period: Benefits start after 90 days, but this does not apply to renewals
3Policy Features
- Tenure: 1 Year
- Sum Insured Options: ₹3 Lakh & ₹4 Lakh
- Sum Insured Type: Individual
This plan provides full health coverage for those with heart conditions, which makes the cost of medical care more affordable.
Star Cancer Care Gold Insurance Policy
This policy provides financial help for cancer patients, whether they are currently undergoing treatment or have completed it. It also covers medical expenses for other illnesses after cancer recovery.
1Who Can Buy?
Anyone between 5 months and 65 years who has been diagnosed with Stage 1 or Stage 2 Cancer.
2Who Can Be Covered?
The policyholder can also include dependent children, spouses, or parents.
3Coverage Details
- Sum Insured Options: ₹3 Lakh & ₹5 Lakh
- Coverage Type: Individual
- Policy Tenure: 1 Year
This plan provides continuous medical care even after cancer treatment, lessening the financial burden on the patient and their loved ones.
FAQs
These are health insurance plans that provide coverage for serious diseases like cancer, heart disease, and kidney failure.
People between 5 months and 65 years old can buy these plans, depending on the type of policy.
They cover major illnesses such as cancer, heart disease, stroke, kidney disease, and organ transplants.
Yes, some plans provide a one-time lump sum amount when a critical illness is diagnosed.
Yes, the policy can be renewed yearly, and if renewed on time, you don’t need to wait again for benefits to start.
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