Star Critical Illness Multipay

Multiple Payouts for Comprehensive Protection

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Plan Overview

The Star Critical Illness Multipay policy is a unique insurance plan that offers multiple lump sum payouts. Unlike traditional critical illness plans that terminate after one claim, this policy divides illnesses into groups, ensuring you stay protected even after a major diagnosis.

Key Features

Multipay Benefit

Claims allowed across 4 different disease groups, with up to 100% payout for each group.

High Sum Insured

Total potential payout can reach up to 400% of the original sum insured over time.

Wellness Benefits

Earn wellness points for healthy activities and get discounts on renewal premiums.

Lifelong Renewability

Enjoy lifelong protection as long as premiums are paid and conditions are met.

Eligibility & Key Highlights

Eligibility Criteria
  • Entry Age (Adults): 18 years to 65 years
  • Sum Insured: ₹5 Lakhs to ₹25 Lakhs
  • renewability: Lifelong renewal available
Plan Highlights
  • Waiting Period: 90 days from policy inception
  • Survival Period: 15 days following diagnosis
  • Multipay: Claims allowed for different disease groups

Comprehensive Policy Benefits (Disease Groups)

  • Cancer of Specified Severity: Lump sum payout upon diagnosis of malignant tumor characterized by the uncontrolled growth and spread of malignant cells.

  • Myocardial Infarction: First heart attack of specific severity.
  • Open Chest CABG: Surgery for coronary artery bypass grafting.
  • Open Heart Replacement/Repair: Repair of heart valves.
  • Surgery to Aorta: Grafting, insertion of prostheses, etc.

  • Coma of Specified Severity
  • Stroke resulting in Permanent Symptoms
  • Permanent Paralysis of Limbs
  • Multiple Sclerosis with Persisting Symptoms
  • Motor Neuron Disease
  • Major Head Trauma
  • Benign Brain Tumor
  • Alzheimer's Disease

  • Major Organ/Bone Marrow Transplant
  • Kidney Failure requiring Dialysis
  • End Stage Lung Failure
  • End Stage Liver Failure
  • Loss of Limbs / Loss of Speech
  • Deafness / Blindness
  • Third Degree Burns
  • Aplastic Anemia

Permanent Exclusions

General exclusions under the policy:

  • Pre-existing diseases (until 48 months waiting period).
  • Intentional self-inflicted injury or suicide attempt.
  • Abuse of intoxicants, drugs, or alcohol.
  • War, civil war, or nuclear perils.
  • Congenital anomalies or defects.
  • Pregnancy-related conditions (check policy wordings).

Downloads & Resources

Product Brochure
Detailed plan benefits and features
Download

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