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Star Health Critical Illness plan provides coverage for 37 critical illnesses with one of the largest hospital networks in India and a dedicated health insurance focus.
Star Health Critical Illness Insurance provides a fixed lump sum payout on diagnosis of a covered major illness, giving policyholders immediate financial support independent of actual hospitalisation costs. The plan generally covers conditions such as cancer, heart attack, stroke, kidney failure, paralysis, and major organ transplant, and is designed to work alongside a comprehensive health insurance policy to fill gaps that standard hospitalisation cover may not address, such as income loss or post-treatment recovery expenses. Star Health, one of India's largest standalone health insurers, brings its extensive branch network and dedicated claims processing experience to this product, which can be reassuring for policyholders navigating a serious diagnosis. As with other critical illness plans, coverage begins after an initial waiting period, and a survival period condition typically applies before a claim is paid. Premiums are eligible for tax benefits under Section 80D. This plan suits individuals seeking a straightforward, lump-sum-based financial safety net that reduces the pressure of managing expenses during a medically and emotionally challenging time.
3 plans available — compare coverage, premium, and key features.
Financial protection against major illnesses
Key Features
Comprehensive health and critical illness benefits
Specialized cancer coverage plan
Step-by-step claim process for Star Health Critical Illness.
Call the toll-free 1800 425 2255 / 1800 102 4477, or intimate via WhatsApp or the Star Health app, within 24 hours of diagnosis.
Submit the completed claim form, medical reports, diagnostic test results and doctor's certificate confirming the critical illness.
Star Health verifies the diagnosis against the covered illness list under the Multipay policy, which allows claims for more than one covered illness during the policy term.
The lump-sum benefit is paid out to the policyholder's bank account once the claim is approved.
Star Health brings its renowned hospital network expertise to CI insurance. With 11,000+ hospitals and a health-only focus, it is a trustworthy option for those who value cashless access.
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The policy covers several listed critical illnesses, subject to the terms and conditions of the plan.
Yes. Eligible claims receive a lump-sum payout after diagnosis of a covered illness.
Yes. Annual renewal is available according to the insurer guidelines.
Medical tests may be required depending on age, health condition and chosen coverage.
Yes, a grace period is provided for premium renewal, typically 15 to 30 days depending on the payment mode.
Disclaimer: Premium amounts are indicative and may vary based on age, health, and plan selected. Claim settlement ratios are from IRDAI Annual Reports. Finzony is not an insurance broker or agent. Verify all details on the official Star Health Critical Illness website before purchasing.
Key Features
Key Features