Star health insurance critical illness policy waiting terms are as follows:Except for accidents, illness incurred within thirty days of the insurance policy's commencement date is not insured.Pre-existing illnesses are covered following a 48-month waiting time from the start of the first insurance plan, with no breaks.After 24 months, coverage for specific illnesses and surgeries becomes applicable.The waiting time for critical illness coverage is 90 days from the policy commencement date.