Star Health Insurance Covered Diseases List PDF

Star Health Insurance Covered Diseases List - Summary

Star Health Insurance provides a detailed list of covered diseases to help you understand its critical illness health insurance policy better. This policy is designed to cover the costs associated with treating serious illnesses. The Star Health Criticare Plus Insurance Policy is available for individuals aged between 18 and 65 years, with sum insured options from Rs. 2 lakh to Rs. 10 lakh.

Comprehensive Coverage for Your Health

This insurance policy ensures that you receive reimbursement for hospitalization expenses incurred due to various illnesses, diseases, or accidental injuries. It covers 9 specified critical illnesses, including: First Diagnosis of Cancer, Established Irreversible Coma, Established Irreversible Paraplegia, Established Irreversible Quadriplegia, and Cerebrovascular Stroke Causing Hemiplegia.

Star Health Insurance Covered Diseases List

List of Critical Illnesses

There are a few critical illnesses that can be covered as per your opted health insurance policy. Here is the list of critical illnesses.

1. Kidney Failure: Kidney failure, also called renal failure, refers to a condition in which the kidneys lose their capability to filter enough waste products from the human blood.
2. Stroke: A stroke is a condition that happens when blood flow to part of the brain is interrupted, thus resulting in the brain cells dying because of alack of oxygen and nutrients.
3. Coma: A coma refers to a state of prolonged unconsciousness in which a person is unresponsive to their environment and cannot be awakened. This refers to a medical emergency that needs immediate attention because of potential underlying causes such as stroke, traumatic brain injury, or drug overdose.
4. Blindness: Blindness refers to a condition in which a person is not able to see, either partially or completely. This can range from low vision, in which a little sight remains, to total blindness, in which there is no perception of light.
5. Cancer: Cancer refers to a group of diseases that is characterised by abnormal cell growth that can spread to other parts of the body. It’s a leading cause of death worldwide, with different types affecting different parts of the body.
6. Organ failure: Organ failure happens when an organ in the body—like the heart, liver, kidneys, or lungs—stops functioning properly enough to support life. It can occur suddenly (acute) or gradually over time (chronic), and is often the result of injury, disease, or a lack of oxygen or blood flow.
7. Multiple Sclerosis: Multiple sclerosis (MS) refers to a chronic or often disabling disease that attacks the central nervous system, particularly the brain and spinal cord.
8. Paralysis: Paralysis refers to the loss of muscle function in part or all of the body, leading to the inability to move. This can be temporary or permanent and can affect any part of the body.
9. Alzheimer’s Disease: Alzheimer’s disease refers to a progressive neurodegenerative disorder that affects memory and cognitive function. This is the most common form of dementia, accounting for 60-70% of cases.
10. Heart Attack: A heart attack refers to a serious medical emergency where the supply of blood to the heart is suddenly blocked, generally by a blood clot. A heart attack is a medical emergency.
11. Parkinson’s Disease: Parkinson’s disease refers to a progressive neurodegenerative disorder that primarily affects movement but also involves non-motor symptoms. It comes from the degeneration of nerve cells in the brain that generate dopamine, a neurotransmitter which is important for movement coordination.
12. Pulmonary hypertension: Pulmonary hypertension refers to a condition in which there’s high blood pressure in the arteries of the lungs. This forces the heart to function harder to pump blood to the lungs, potentially resulting in heart failure.
13. Brain Tumour: A brain tumour refers to an abnormal mass of tissue in the brain in which cells grow and multiply uncontrollably. Brain tumours can be either benign (non-cancerous) or malignant (cancerous).
14. Third-degree burns: A third-degree burn involves all of the layers of skin and, in some cases, the fat and muscle tissue under the skin. In a third-degree burn, also known as a full-thickness burn, the burnt areas might be black, brown or white. The skin might appear leathery. Third-degree burns can damage nerves, and the surrounding areas experience severe pain.
15. Chronic Obstructive Pulmonary Disease: Chronic obstructive pulmonary disease (COPD) refers to a progressive lung disease that makes it difficult to breathe. It includes conditions such as emphysema and chronic bronchitis, in which the airways and air sacs in the lungs become damaged and inflamed, restricting airflow.
16. Motor neuron disease: Motor neuron diseases, or motor neuron diseases, refer to a group of rare neurodegenerative disorders that particularly affect motor neurons. The motor neurons are the cells which control voluntary muscles of the body. Motor neurone disease (MND) results in muscle weakness that gets worse over a few months or years.
17. Permanent or total deafness: Permanent or total deafness, also called anacusis, is a complete or near-complete inability to hear, in which the individual can’t hear sounds even with amplification.
18. Aplastic anaemia: Aplastic anaemia is a serious but rare medical condition where the bone marrow fails to produce enough new blood cells, ultimately causing fatigue, increased susceptibility to infections, and bleeding. Its causes can be genetic, autoimmune, or due to the exposure of certain toxic substances, medications, or viruses.
19. Bacterial meningitis: Bacterial meningitis is a consequential, potentially deadly meninges infection, the protective membranes around the brain and spinal cord, caused by bacteria entering the bloodstream or directly infecting the meninges. An individual can experience symptoms including stiff neck, headache, fever and light sensitivity, but can also manifest as vomiting, rashes, lethargy, particularly in infants.
20. Encephalitis: Encephalitis refers to an inflammation of the brain, usually caused by a viral infection, or rarely by an autoimmune response. Potential symptoms can include headache, confusion, seizures, fever, and stiff neck.
21. Muscular Dystrophy: Muscular Dystrophy (MD) refers to a group of genetic disorders that cause progressive muscle weakness and breakdown. With more than 30 different types, MDs differ in the onset age, affected muscles, severity and progression rate. It is caused by genetic mutations that impact proteins essential for muscle functionality.
22. Systemic lupus erythematosus: Systemic lupus erythematosus (SLE), also known as lupus, is a chronic autoimmune disease where the body’s immune system mistakenly attacks its own healthy tissues, leading to inflammation in body systems including the skin, joints, heart, lungs, kidneys and brain. Symptoms can differ from person to person and can range from mild to severe, with key signs including fatigue, joint pain, fever and a butterfly-shaped rash on the face, while the exact cause is not fully known.
23. Major head trauma: Major head trauma or Traumatic brain injury (TBI) is characterised by an injury to the brain caused by external force, requiring immediate medical intervention. A major symptom is bleeding or clear fluid draining from the nose or ears. A person may experience loss of consciousness, severe headache, confusion, slurred speech, frequent vomiting and numbness or weakness in the body.
24. Liver Cirrhosis: Liver Cirrhosis is a permanent damage of the liver because of chronic injury, which obstructs its ability to function normally and ultimately results in liver failure. Common symptoms can include jaundice, swelling, and Although damage is irreversible, treatment can manage symptoms. It can be caused by chronic hepatitis (such as hepatitis B or C), prolonged, harmful consumption of alcohol or non-alcoholic fatty liver disease.
25. Cardiomyopathy: Cardiomyopathy is a disease that badly impacts the heart muscle, causing it to become enlarged, rigid, thickened or  weakened, resulting in difficulty for the heart to pump blood effectively throughout the body.
26. Severe Rheumatoid Arthritis: Severe Rheumatoid Arthritis (RA) involves significant, debilitating joint pain, stiffness and inflammation that can lead to the destruction of bone and cartilage along with deformity and loss of function. It is a systemic autoimmune disease that can also impact other parts of the body, including lungs, heart, eyes and skin.
27. Terminal Illness: A terminal illness is an advanced and incurable medical condition that is expected to result in an individual’s death, with treatment shifting from curing the disease to managing symptoms and enhancing the patient’s comfort.
28. Chronic Lung Disease: Chronic lung disease involves a range of long-lasting respiratory conditions, including COPD, and asthma, that result in breathing problems by obstructing the airways or lung tissue. Commonly caused by smoking, air pollution and occupational exposures. Although not curable, symptoms can be managed by medications, pulmonary rehabilitation, oxygen therapy and lifestyle changes.
29. Hepatitis (Fulminant Viral Hepatitis): Hepatitis (Fulminant Viral Hepatitis) is a life-threatening, rare medical condition where the liver fails rapidly due to sudden and severe viral infection. It is indicated by extensive liver cell death and a sharp decline in liver functionality, resulting in hepatic encephalopathy or brain dysfunction and acute liver failure.
30. Pneumonectomy: A pneumonectomy is a major surgery, associated with the entire lung removal, typically to treat severe lung cancer, mesothelioma, or a severely damaged lung from other conditions. It is a complicated procedure that requires the patient to have sufficient lung function in the remaining lung to sustain life.
31. Severe Crohn’s Disease: Severe Crohn’s Disease involves severe symptoms, which may involve scary complications like fistulas or abscesses, intestinal blockages, requiring intense hospital care and potentially surgery.
32. Open Heart Replacement or Repair of Heart Valves: It is a surgical procedure to correct a malfunctioning heart valve, involving either repairing the original valve by patching holes, separating fused leaflets, or reinforcing the surrounding ring, or replacing it completely with a new artificial valve.
33. Loss of Speech: Loss of speech can be caused by various neurological issues like aphasia (a language disorder from brain damage) or dysarthria (difficulty controlling speech muscles), often from stroke, head injuries, or brain tumours.
34. Systemic Lupus Erythematosus with Lupus Nephritis: Systemic Lupus Erythematosus with Lupus Nephritis is a severe form of lupus, an autoimmune disorder where the immune system attacks your body’s own tissues and organs, causing damage to the kidneys.
35. Apallic Syndrome: Apallic syndrome, now often called unresponsive wakefulness syndrome (UWS), is a state of wakefulness without awareness, where the patient’s cerebral cortex is severely damaged, but brainstem function is preserved.
36. Creutzfeldt-Jakob Disease (CJD): Creutzfeldt-Jakob Disease (CJD) is a rare, fatal, neurodegenerative prion disease that causes rapid dementia, coordination problems, and other neurological symptoms.
37. Motor Neuron Disease with Permanent Symptoms: Motor neuron disease (MND) causes permanent motor neuron degeneration, causing sever muscle weakness, muscle wasting, difficulty with speech and swallowing, breathing difficulty, and fatigue, which can increase to paralysis and disability.

With the support provided by the Star Health critical illness policy, you can access quality health care without the worry of heavy financial costs during difficult times. 🌟

You can download the Star Health Insurance Covered Diseases List in PDF format using the link given below.

Star Health Insurance Covered Diseases List PDF Download