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Star Extra Protect insurance plan is an add-on cover under Star Health Insurance that enhances the limitations of your existing base policy. You can purchase this plan while buying or renewing your health policy with Star Health.
This add-on comes with two sections. Policyholders can choose either of the two sections mentioned below:
Section 1: Coverage Options
Section 2: Coverage Options
Below are the eligibility criteria for buying the Star Extra Protect insurance plan and the sum insured it offers:
| Entry Age | As per the entry age of the base health policy (Applicable with Family Health Optima Insurance Plan / Star Comprehensive Insurance Policy / Medi Classic Insurance Policy (Individual)) |
|---|---|
| Sum Insured (in Rs.) | INR 10 - 20 Lakhs and above, same as the base policy (minimum base policy SI: INR 10 Lakhs) |
| Plan Type | Applicable on comprehensive Individual/Family Floater plans |
| Policy Term | Depends on the base policy opted for |
| Initial Waiting Period | Subject to the base policy's waiting period |
| PLAN DETAILS |
Star Extra Protect Plan |
Ultimate Care |
| Product Type | Top Up and Super Top Up | 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.) |
Not Covered | Covered |
|
Room Rent (A limit of room rent cover during hospitalization if any) |
Covered | Covered |
| Domicillary Hospitalization (It is the expenses incurred on treatment of the patient at home) |
Not Covered | Covered |
| Pre-hospitalization (Expenses before the insured is hospitalized) |
Not Covered | Covered |
| Post-hospitalization (Expenses after discharge from the hospital) |
Not Covered | Covered |
| Day Care Treatment Covered (Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.) |
Not Covered | Covered |
| Hospital_network (Number of Hospital Network in city) |
14000 | 11400+ |
| Organ Donor Expenses (Expenses incurred on organ donor in case of organ transplants) |
Covered | Covered |
|
Hospital Daily Allowance (Some plans offer daily allowance to take care of expenses like food, etc) |
Covered | Not Covered |
| Ambulance Charges (Expenses incurred on ambulance charges) |
Covered | Covered |
|
Maternity Benefits (All Hospitalization cost covered at the time of pregnancy.) |
Not Covered | Covered |
| New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period) |
Not Covered | Covered |
| Health Checkup (An added benefit of one time full health checkup of policy holder.) |
Covered | Covered |
|
Sub Limit (Sub-limit is a monetary capping that applies on specific diseases like cataract) |
Applicable | Available |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
Not Applicable | Not Available |
| Plan Entry Age | depends on base health plan | Minimum: Child - 91 days; Adult - 18 years. Maximum: Child - 24 years, Adult - Lifelong |
| Plan Premium Entry Age and S/A | N/A | 6491 |
| Plan Waiting Period | N/A | 30 |
| Plan Coverage | - | Hospitalization expenses, Pre and post-hospitalization expenses, Daycare treatments, AYUSH treatment cover, Organ donor cover, Ambulance cover |
| Plan Sample Premium | - | 6491 |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | N/A | 1, 2, 3, 4, 5 years |
| ICU Charges | Covered | Covered |
| Covid-19 Treatment | Covered | Covered |
| Cataract | Not Covered | Covered |
| Automatic Restoration | Not Covered | Covered |
| Ayush Treatment | Covered | Covered |
| Modern Treatment | Covered | Covered |
| E Consultation | Not Covered | Covered |
| Air Ambulance | Covered | Covered |
| Global Coverage | Not Covered | Not Covered |
| Claim Ratio | 99.06 | 97 |
| Solvency Ratio | 2.21 | 1.74 |
|
Star Health Insurance Plans 2025 | Star Health Insurance Benefits | Star Health Insurance Review Ultimate CARE Health Insurance Review 2025 | Care Health New Plan 2025 | Care Health Insurance |
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