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Critical Illness

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Star Health
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32 views

Critical Illness

Uploaded by

Star Health
Copyright
© © All Rights Reserved
We take content rights seriously. If you suspect this is your content, claim it here.
Available Formats
Download as PDF, TXT or read online on Scribd
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Features Star Critical Illness Multipay Insurance Policy

SHAHLIP22140V012122
Multipay Insurance Policy is a standalone critical illness policy providinglumpsum
About the policy
on diagnosis of 4 groups of Critical illness

Type of Cover Individual Sum Insured

Entry Age 18 years to 65 years

Policy Term One / Two / Three years

Continuity Insured person is eligible for renewal if atleast one category is left where there
has been no claim made
Sum Insured Options Minimum Rs 5 Lakhs to Maximum Rs 25 Lakhs (In multiples of Rs 1 Lakh)
Self, Spouse, Dependent Parents and Parents in law
Eligible Relationship
Sum Insured for Earning 12 times of yearly income for 18 – 35 years age and 10 times of yearly income

Persons for above 35 years age. The maximum sum insured cannot exceed Rs 25 Lakhs

Sum Insured for Non Earning Maximum up to Rs 15 Lakhs. Non-earning sum insured cannot be more than the

Persons sum insured for the primary member

Pre Policy Medical Screening For the person proposed for insurance is above 50 years of age and for those who

declare adverse medical history in the proposal form.

Premium Payment Options Quarterly, Half-yearly. Premium can also be paid Annually, Biennial (Once in 2

years) and Triennial (Once in 3 years)

Covered Major Diseases Group Number 1 - Cancer; Group Number 2 - Heart Related Conditions, Group

Number 3 - Brain & Nervous System related Conditions, Group Number 4 -

Major Organ & Other conditions

A) Maximum One lump-sum (up to 100% of the Sum Insured) can be paid from

each Group of covered Major Diseases and total payout over a life time of the

Insured cannot exceed 400% of Sum Insured.


Lumpsum Cover B) Waiting period of 12 - months shall apply between the occurrence of each

condition (i.e between the first and second condition or between the second and

third condition or between the third and fourth condition)

C) Maximum One Claim only is payable in a Policy Year


D) Insured person is eligible for renewal if atleast one category is left wherethere

has been no claim made


E) Only one claim is admissible under each group

Star Wellness Program Wellness platform is available both in our mobile app “Star Power” & Customer

Portal (Retail). The Insured can earn reward points and avail premium discount

up to 10% on the renewal premium by enrolling and achieving the wellness goals

Waiting Period
90 days
Initial waiting period
Between the occurrence of 12 months
each condition
Survival Period 15 days (Insured person should have survived from the date of diagnosis of
major disease )
* The information provided in this document is only indicative. For more details on the terms and conditions, please read the policy wordings before concluding a sale.

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