Star Health Super Star Plan: Benefits & Premiums | PolicyX
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Star Super Star Health Plan

Star Health Super Star Plan covers a wide range of medical and non-med ...Read More

Up to 1 Cr
Sum insured
1
No. of plans
850+
Pan India presence
99.06%
Claim settlement ratio
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🛡️ IRDAI Approved
⭐ 4.4/5 · 2,755 reviews
🏥 14,000+ hospitals
📊 2.21 solvency ratio
✅ 99.06% claim settlement

About Star Super Star Health Plan

A quick read on what this Star Health Insurance plan covers and why it might be a fit for you.

Star Health Insurance Company has launched one of its most revolutionary plans, the Star Super Star Health Plan. It offers flexible and customizable coverage options. The Star Health Super Star health insurance plan provides long-term benefits, family coverage, future security, wellness rewards, and more. Star Health Insurance Company is also one of the top 5 health insurance companies in India, offering individual health plans, customized family floater options, and more.

Plan at a glance

Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.

Entry age
Individual 18 years to No limit, Floater 91 days to 25 years
Plan type
Individual and Family Health Insurance
Sum insured options
₹5 L, ₹7 L, ₹10 L, ₹15 L, ₹20 L, ₹25 L, ₹50 L, ₹1 L
Waiting period
30 days
Renewability
Lifelong
Policy term
1, 2, 3, 4, 5 years

*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.

Pros & cons

A quick honest summary — the strengths and the trade-offs.

Pros

  • Daycare procedures
  • Modern treatment
  • Second medical opinion
  • Maternity cover

Cons

  • Compassionate travel
  • Global coverage
  • Adventure sports
  • Breach of law
  • STDs not covered

What's covered

Every CMS-driven coverage flag from the plan wording — only items with a published value render below.

Hospitalization

  • Room rent Covered
  • ICU charges Covered
  • Pre-hospitalization Covered
  • Post-hospitalization Covered
  • Domiciliary hospitalization Covered
  • Day-care treatment Covered
  • OPD charges Covered
  • Covid-19 treatment Covered
  • Cataract Covered

Bonuses & restoration

  • No-claim bonus Covered
  • Automatic restoration of SI Covered
  • Daily hospital cash Covered

Family & special care

  • Maternity cover Covered
  • New-born baby cover Covered
  • IVF treatment Covered
  • AYUSH treatment Covered
  • Organ donor expenses Covered

Modern & preventive care

  • Modern treatment Covered
  • Road ambulance Covered
  • Air ambulance Covered
  • E-consultation Covered
  • Health check-up Covered
  • Second medical opinion Covered
  • Vaccination Covered

Conditions & global

  • Co-payment Covered
  • Sub-limits Covered
  • Compassionate travel Not covered
  • Global coverage Not covered

Video reviews

Walkthroughs from the PolicyX team — pros, cons, real claim experiences and who should buy.

Star Health SuperStar Plan Part 2

Star Health SuperStar Plan Part 2

Star Health SuperStar Plan

Star Health SuperStar Plan

Star Health Super Star Insurance REVIEW | Star Health Insurance | Star Super Star Plan

Star Health Super Star Insurance REVIEW | Star Health Insurance | Star Super Star Plan

Benefits of Star Health Super Star Plan:

  • Freeze Your Age

    You pay for the duration you wish to be covered. Premiums will not increase based on claims, but on age, inflation, etc.

  • Future Security Shield

    Helps secure your family's future, even if you are unable to pay policy premiums.

  • Wellness Programs

    Offers a 20% discount on policy renewal for maintaining good health. Provides quick and convenient healthcare access.

  • Mid-term Inclusions

    You can include other family members such as spouse/live-in partner, dependent children, and parents. A floater policy allows up to 2 adults and 4 children.

Star Health Insurance Network Hospital List

Star Health Insurance Network Hospitals are present in 31 states nationwide. With a wide network of hospitals, Star Health Insurance ensures that you are medically secured, irrespective of the city you reside in.

Delhi Mumbai Bengaluru Chennai Kolkata Hyderabad Pune Ahmedabad Jaipur Lucknow

Know More About Network Hospitals →

Inclusions & exclusions

What the plan pays for, and what it doesn't.

Exclusions

  • Permanent diseases or health conditions that are not included under the Super Star Health Plan are:
  • Hospitalization due to war, riot, strike, or nuclear weapons
  • Intentional self-injury
  • AIDS
  • Miscarriage and Abortion
  • Congenital diseases
  • Infertility and In-vitro Fertilization
  • Certain diseases and treatments are covered under this plan after a certain period. Read the details below:
  • Listed ailments: 24 Months
  • Pre-existing diseases: 36 Months

Who can buy this plan

Eligibility criteria pulled straight from the policy wording.

  • Adult: 18 years to No max limit
  • Dependent children: 91 days to 25 years

Other features & benefits

Add-Ons Available Under Super Star Health Plan

Here are the details of add-on covers that you can buy with your base Super Star Health Policy to enhance the coverage benefits:

  • Consumables cover

    Covers non-medical expenses like PPE kits, gloves, and syringes, helping you save during hospitalization.

  • Annual health check-up

    Avail a free annual health check-up for listed tests at network hospitals on a cashless basis.

  • Reduction in PEDs waiting period

    This add-on reduces the waiting period for listed Pre-Existing Diseases (PEDs) from 36 months to 24 or 12 months.

  • Super Star bonus

    Even after a claim, the insurer provides up to a 100% additional bonus over the sum insured.

  • Quick shield

    If diagnosed with pre-existing diseases like hypertension, asthma, hyperlipidemia, or coronary artery disease, this add-on reduces the PED waiting period from 36 months to 30 days.

  • Maternity cover

    Maternity healthcare benefits, including childbirth, delivery expenses, and assisted reproduction treatment, are covered after a waiting period of 1-2 years, depending on the chosen sum insured.

  • High-end diagnostics

    For OPD-based diagnostics, the company pays up to INR 25,000 per policy year.

  • Hospital cash benefit

    Provides a daily hospital cash benefit if you are hospitalized and unable to earn or pay for your hospital stay.

  • Personal accident cover

    In case of an unforeseen accidental death of the insured member, the insurer pays a lump sum amount as per the opted accidental benefit.

  • Women care

    Once the pregnant insured woman submits her 12-week and 20-week scan reports, the policy covers her baby from delivery through the policy year.

  • Smart Network

    Avail a 15% discount on premiums if treated at a Smart Network hospital. Treatment at a non-smart network hospital requires a 15% co-payment.

  • E-international second opinion

    Each insured member receives one international medical opinion per policy year.

  • Room rent modification

    Allows you to upgrade your room preference, e.g., from a general ward to a private room, or a private single room to an AC room.

  • Future shield

    If the policyholder is unable to continue the policy due to unforeseen circumstances, the spouse will not have to serve a separate waiting period; the existing waiting period will pass on.

  • Co-payment waiver

    Insured individuals can choose a co-pay limit between 10% to 50%.

  • Compassionate travel

    In case of emergency hospitalization, the insurer covers the travel expenses of an immediate family member.

  • Medical equipment cover

    Covers durable medical equipment for lifestyle support, such as prosthetics, wheelchairs, ventilators, and suction machines, up to INR 5 Lakh of the base Sum Insured.

  • Limitless care

    No limit on sum insured exhaustion for in-patient hospital care and daycare treatment.

  • NRI advantage

    Avail up to a 10% discount on premiums for overseas citizens or NRIs.

  • Specific illness waiting period reduction

    Reduces the waiting period for specified illnesses from 2 years to 1 year.

Other than this, Star Health Insurance company also provides top-up health insurance plans. Moreover, the claim settlement ratio of Star Health Insurance Company is 99.21% which allows a seamless cashless claim settlement experience as well.

Star Health Super Star Plan: FAQs

The 11 most-asked questions about Star Super Star Health Plan, answered.

The feature highlights of this policy are- Assisted reproduction treatment, air ambulance services, home care treatment, e-medical domestic second opinion, dental check-ups and cleaning, etc. Also, you will get unlimited claims, unlimited bonuses, a lock age till you turn 50 years old and many more exciting features with the plan.
There are more than 20 options of add-on covers under this policy.
Limitless Care 15% premium discount Quick Shield Super Star Bonus Future Shield Women Care High-end Diagnostics on OPD basis Personal Accident Cover Annual Health Check-up Voluntary Co-pay Room Rent Modification Hospital Cash Reduction in PED Waiting Period
The policy does not provide for free health check-ups unless you opt for an add-on cover.
No. There’s no international coverage benefit under this policy.
The Super Star Plan is ideal for individuals and families seeking comprehensive health coverage, high sum insured options, unlimited restoration benefits, and long-term protection with customizable add-on covers.
Yes, the Super Star Plan can be purchased as a family floater policy covering self, spouse or partner, and dependent children under a single sum insured.
Adults aged 18 years and above can enroll in the Super Star Plan, while dependent children can be covered from 91 days up to 25 years under family floater coverage.
सुपर स्टार प्लान उन लोगों और परिवारों के लिए बहुत अच्छा है जो कॉम्प्रिहेंसिव हेल्थ कवरेज, हाई सम इंश्योर्ड ऑप्शन, अनलिमिटेड रेस्टोरेशन बेनिफिट, और कस्टमाइज़ेबल ऐड-ऑन कवर के साथ लॉन्ग-टर्म प्रोटेक्शन चाहते हैं।
हाँ, सुपर स्टार प्लान को एक फैमिली फ्लोटर पॉलिसी के तौर पर खरीदा जा सकता है, जिसमें खुद, पति/पत्नी या पार्टनर, और डिपेंडेंट बच्चों को सिंगल सम इंश्योर्ड के तहत कवर किया जाता है।
18 साल और उससे ज़्यादा उम्र के एडल्ट सुपर स्टार प्लान में एनरोल कर सकते हैं, जबकि डिपेंडेंट बच्चों को फैमिली फ्लोटर कवरेज के तहत 91 दिन से 25 साल तक कवर किया जा सकता है।

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Written and reviewed by

PolicyX content is researched in-house and reviewed by an IRDAI-certified insurance specialist before publication.

Written by Naval Goel — Founder & CEO, PolicyX.com Reviewed by Manoj Kumar — IRDAI-certified Health Insurance Specialist
Last updated: 10 Oct 2024 · Originally published: 10 Oct 2024

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