List of Diseases Covered under Star Health Insurance

A Star Health Insurance policy can protect you against many diseases. The Star Health Insurance covered diseases list is as follows:

1. COVID-19: COVID-19, a highly contagious and deadly disease, has affected the health of a majority of people since 2020. Triggered by the virus SARS-CoV-2, the disease can cause several complications to a person’s health, like pneumonia, septic shock, multiple organ failure, and even death. Though most people now experience only mild to moderate symptoms of the disease, it is still dangerous for older citizens and people with other health conditions. Star Health Insurance offers three customised plans to cover hospitalisation charges for COVID-19 patients. 
2. Diabetes: The next on the list of diseases covered under Star Health Insurance is Diabetes, one of the most common yet chronic diseases. It is a lifestyle-related disease that increases the sugar levels in your blood. Diabetes can lead to several other illnesses, such as heart attack, heart failure, stroke, kidney failure, etc. The Star Diabetes Safe Insurance plan covers the hospital charges of the policyholder associated with Type 1 and Type 2 Diabetes. 
3. Cardiac Diseases: Cardiac or cardiovascular diseases are related to the abnormal functioning of the heart and blood vessels. The number of patients with cardiac diseases is increasing at an alarming rate today. Cardiovascular diseases such as heart attack, heart failure, stroke, high blood pressure, etc., can be life-threatening. On top of that, getting treatment for these diseases can cost a fortune. Policies like Star Criticare Plus and Star Cardiac Care insurance cover expenses for various heart ailments. 
4. Cancer: Cancer is a fatal disease that causes abnormal growth of cells in the body, destroying healthy body tissues. The Star Cancer Care Gold plan offers coverage for healthcare expenses from treating several cancer types, irrespective of their severity. 
5. Chronic Kidney Disease: Kidney disease is characterised by gradual kidney function loss due to kidney failure. You will be protected from the treatment expenses for chronic kidney disease if you are insured under the Criticare Policy offered by Star Health & Allied Insurance.    
6. Cataract: The subsequent illness on Star Health Insurance’s covered diseases list is cataracts. It is an eye condition that causes vision complications, such as blurred vision. If left untreated, a cataract might lead to complete blindness. This eye condition can be treated as part of a daycare procedure. Most plans offered by Star Health Insurance, such as Star Family Delite, Star Care, etc., offer coverage for cataracts up to a specific limit. 
7. Cerebrovascular Stroke: It is a medical condition in which the brain and its related parts suffer damage due to a disruption in blood supply. The Star Criticare Plus and the Star Cardiac Care insurance plans cover medical expenses resulting from a cerebrovascular stroke. 
8. Brain Tumour: A brain tumour is a medical condition when the cells in the brain grow abnormally and uncontrollably. Star Health & Allied Insurance’s Criticare Plus health insurance policy can cover you against the medical expenses for a brain tumour.
9. Psychiatric and Psychosomatic Disorders: These disorders include mental illnesses, such as anxiety disorders, schizophrenia, etc., that impair a person’s ability to conduct normal day-to-day activities. Star Health Insurance’s Star Medi Classic protects you from the expenses incurred on treating psychiatric and psychosomatic disorders.  
10. Autism Spectrum Disorder: Autism Spectrum Disorder, or ASD, is a brain development disability caused by differences in the brain. People with ASD face problems with verbal, non-verbal, and social interactions. Patients may have different ways of moving, learning, and paying attention. Star Health’s Special Care policy is specially designed to cover treatment expenses for autistic children. 
11. Irreversible Paraplegia: It is the permanent paralysis of a person’s lower limbs resulting from an injury to the spinal cord. Star Health’s Criticare Plus Insurance policy covers the medical expenses resulting from irreversible paraplegia.  
12. Irreversible Quadriplegia: Irreversible quadriplegia is the following condition on the list of diseases covered under Star Health Insurance. It is the permanent paralysis of a person’s body from the neck down, including the four limbs. Paralysis mainly occurs from a spinal cord injury. Star Criticare Plus Insurance Policy covers the medical expenses resulting from irreversible quadriplegia. 

Pre-existing diseases are diseases, ailments, conditions, or injuries that existed before taking the health insurance policy. Every health insurance policy covers pre-existing diseases, such as asthma, diabetes, or cancer, after a certain period. Star Health Insurance’s waiting period for pre-existing diseases ranges from 12 to 48 months, depending on the type of plan. Star Health’s tailor-made plans covering pre-existing diseases include:

1. Young Star Insurance Policy: The plan covers pre-existing diseases and their complications after 12 months of continued insurance coverage. 
2. Star Comprehensive Insurance Policy: The plan covers pre-existing diseases and their complications after a waiting period of 36 months from the date of policy activation. It has an optional cover known as ‘Buyback PED’ that reduces the waiting period from 36 to 12 months after paying an additional premium. 
3. Senior Citizens Red Carpet Health Insurance Policy: It covers pre-existing diseases and their complications for senior citizens after a waiting period of 12 months. 
4. Star’s Diabetes Safe Insurance Policy: The plan covers type I and type II diabetes and offers cover for hospitalisation and outpatient charges. It has two variants: Plan A (no waiting period) and Plan B (waiting period of 12 months).   

Star Health's insurance plans do not cover specific pre-existing, congenital, and lifestyle diseases. Star Health Insurance not covered diseases list include:

1. Asthma
2. Piles
3. Hernia
4. Diarrhoea
5. Bronchitis
6. Chronic Nephritis
7. Dysentries
8. Gastroenteritis
9. Sinusitis
10. Self-inflicted injuries
11. Obesity/ weight control
12. Cosmetic or plastic surgery
13. Dental treatments
14. Medical aids

You can refer to Star Health Insurance's PDF to know more about what is covered and not covered.

Star Health Insurance offers several benefits to its policyholders. The vast list of diseases covered under Star Health Insurance helps people get effective treatments for major illnesses without worrying about the costs. Some best-in-class features and benefits of Star Health Insurance include:

1. Protection for individuals and families on a floater basis
2. Sum insured upto two crores
3. Customer-centric policies
4. Hassle-free claims in less than two hours
5. Cashless facility across 14,000+ network hospitals
6. In-house claim settlement by qualified doctors on all 365 days
7. Pre-insurance medical screening is not mandatory in most of the policies
8. Tax benefits upto Rs 1 lakh

While deciding on and buying a health insurance policy, it is essential to check that the plan covers a majority of diseases so that you are protected during emergencies. There is a vast list of diseases covered under Star Health Insurance to provide coverage for major illnesses. Make sure to buy the plan that covers you for diseases you would most certainly require coverage for. 

To learn more about health plans, download the Star Health Insurance covered diseases list PDF from Star Health’s website or contact an expert at HexaHealth. Our team will guide you through the Star Health Insurance covered diseases list, their benefits, and the policy buying process. We can also help you select the best plan for your medical needs. 

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