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It is good to be prepared by having a health insurance policy that will take care of the medical and other expenses in case of illness. But, then the question comes to mind if I already have health insurance coverage, do I need to purchase a critical illness policy? The simple answer to this question is, the kinds of illnesses that are covered under critical illness policies are usually long-term and sometimes life-threatening.
Even a few days of being critically sick can lead to exorbitant hospital bills, making it hard to maintain a favourable standard of living. These illnesses have a debilitating effect on the patient’s life, translate to huge medical costs and leave the families struggling to meet daily expenses. In such situations, a critical illness insurance policy becomes the saviour, having critical illness insurance helps you to stay financially equipped as it guarantees financial security when an individual requires funds for both medical treatments and for supporting the family.
| PLAN DETAILS |
Star Critical Illness Plan |
Star Maternity Plan |
| Product Type | Critical Illness Health Insurance | Individual and Family Health Insurance |
| Key Features (Key features of the plan) |
|
|
| OPD Details (In some policies, OPD (Out patient department) expenses are also covered.) |
- | - |
|
Room Rent (A limit of room rent cover during hospitalization if any) |
- | - |
| Domicillary Hospitalization (It is the expenses incurred on treatment of the patient at home) |
- | - |
| Pre-hospitalization (Expenses before the insured is hospitalized) |
- | - |
| Post-hospitalization (Expenses after discharge from the hospital) |
- | - |
| Day Care Treatment Covered (Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.) |
- | - |
| Hospital_network (Number of Hospital Network in city) |
14000 | 14000 |
| Organ Donor Expenses (Expenses incurred on organ donor in case of organ transplants) |
- | - |
|
Hospital Daily Allowance (Some plans offer daily allowance to take care of expenses like food, etc) |
- | - |
| Ambulance Charges (Expenses incurred on ambulance charges) |
- | - |
|
Maternity Benefits (All Hospitalization cost covered at the time of pregnancy.) |
- | - |
| New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period) |
- | - |
| Health Checkup (An added benefit of one time full health checkup of policy holder.) |
- | - |
|
Sub Limit (Sub-limit is a monetary capping that applies on specific diseases like cataract) |
- | - |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
- | - |
| Plan Entry Age | - | 60 - 65 Years |
| Plan Premium Entry Age and S/A | - | - |
| Plan Waiting Period | - | 180 |
| Plan Coverage | - | - |
| Plan Sample Premium | - | - |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | - | N/A |
| ICU Charges | - | - |
| Covid-19 Treatment | - | - |
| Cataract | - | - |
| Automatic Restoration | - | - |
| Ayush Treatment | - | - |
| Modern Treatment | - | - |
| E Consultation | - | - |
| Air Ambulance | - | - |
| Global Coverage | - | - |
| Claim Ratio | 99.06 | 99.06 |
| Solvency Ratio | 2.21 | 2.21 |
|
Star Health Insurance Plan Detailed Review Star Health Insurance Plan Detailed Review |
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