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Star Critical Illness Multipay Insurance Policy is a specialised critical illness policy that pays a lump sum when an insured person is diagnosed with a covered illness and satisfies the applicable policy conditions. The official product lists 37 specified illnesses across cancer-related conditions, heart conditions, brain and nervous system disorders, and major organ or other conditions. The policy is intended to provide financial support during a serious illness rather than reimburse every hospital bill like a regular indemnity health policy. The actual benefit depends on the chosen sum insured, the diagnosis, the policy wording and claim admissibility. The official published sum insured range is ₹5 lakh to ₹25 lakh, subject to eligibility and underwriting.
37 specified critical illnesses across four illness groups
This policy is designed for people who want a defined lump-sum benefit following a covered critical illness. Its multipay structure allows claims subject to the policy rules, including illness-category restrictions and the applicable waiting and survival periods. Buyers should read the exact medical definitions in the policy wording because a diagnosis alone does not automatically establish eligibility for a claim. The policy should be evaluated alongside existing health insurance, emergency savings and income protection needs. Premium is quote-based and should be confirmed through an official Star Health quotation for the applicant.
Star Health
Key Insights
Founded
2006
Star Health was established 20 years ago and has built strong credibility over time, backed by its long-standing presence in the market.
Claims Experience
94.8% CSR, calculated as a 3-year average
Star Health settles 94.8% of all claims it receives.
Contact Details
1800 425 2255
Headquarters: No.1, New Tank Street, Valluvar Kottam High Road, Nungambakkam, Chennai – 600034, Tamil Nadu
Pays a lump sum for an admissible diagnosis of a covered critical illness, subject to the policy terms.
The benefit is not an unrestricted reimbursement of all medical expenses.
The listed group includes Cancer of Specified Severity, Bone Marrow Transplantation and Aplastic Anaemia.
Exact definitions and medical criteria apply.
The policy lists major cardiac and vascular conditions including Myocardial Infarction, Open Chest CABG and Heart Transplantation.
The full list of 12 conditions is recorded separately below.
The policy includes specified conditions such as Stroke Resulting in Permanent Symptoms, Permanent Paralysis of Limbs and Multiple Sclerosis with Persisting Symptoms.
Medical definitions in the policy wording determine eligibility.
Listed conditions include Major Organ Transplantation, Kidney Failure Requiring Regular Dialysis, Blindness and End Stage Lung Failure.
Only specified conditions meeting policy criteria qualify.
Initial waiting period: 90 days from commencement of cover. Survival period: 15 days from diagnosis. A 12-month waiting period applies between occurrences of covered conditions. Refer to the policy wording for claim and category restrictions.
Initial waiting period
The first diagnosis of a covered major illness must occur only after 90 days from commencement of cover, subject to the policy wording.
Survival period
The insured must survive for 15 days from the diagnosis date of the covered major illness, subject to policy conditions.
Between covered condition occurrences
A 12-month waiting period applies between occurrences of covered conditions. The policy wording also governs category and claim-frequency restrictions.
Conditions or treatments that the policy clearly says it will not cover.
The policy lists 37 specified major illnesses in four groups. Each illness must meet the definition and claim requirements in the official policy wording. The list below records the named conditions; it does not imply that every stage or severity of each condition is automatically covered.
Insurer
Star Health plans and claim process
It is a specialised policy that provides a lump-sum benefit for an admissible diagnosis of a specified critical illness, subject to the policy terms.
Star Health lists 37 specified major illnesses across cancer-related conditions, heart-related conditions, brain and nervous system conditions, and major organ or other conditions.
The official product page states a minimum sum insured of ₹5 lakh and a maximum of ₹25 lakh in ₹1 lakh multiples, subject to eligibility and underwriting rules.
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 website before purchasing.
Official Website
starhealth.in
Visit the official Star Health website for plan brochures, premium quotes and policy services.
The aforementioned ratios have been averaged over three years (FY24-FY26)
The official product page states an entry age of 18 to 65 years.
The stated conditions include a 90-day initial waiting period, a 15-day survival period after diagnosis, and a 12-month waiting period between occurrences of covered conditions.
The policy is described as a lump-sum critical illness benefit. It should not be represented as ordinary reimbursement of every hospital bill.
No fixed annual premium is recorded here. Obtain an official quotation based on the applicant and selected cover.
No separately purchasable optional add-on has been verified for this entry. Review the latest official policy documents for the current benefits and options.