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All about Star Health Insurance and Plans
Star Health Insurance
Star Health Top-up Plans
Star Top-Up plans protect your health in the event of a medical emerge ...Read More
Up to 1 Cr
Sum insured
1
No. of plans
850+
Pan India presence
99.06%
Claim settlement ratio
🛡️ IRDAI Approved
⭐ 4.4/5 · 2,761 reviews
🏥 14,000+ hospitals
📊 2.21 solvency ratio
✅ 99.06% claim settlement
About Star Health Top-up Plans
A quick read on what this Star Health Insurance plan covers and why it might be a fit for you.
Top-up health plans from Star Health Insurance can help protect your health in the event of a medical emergency after you have exhausted the sum insured by your primary health insurance. Star Health Top-up is an affordable individual and family floater plan that can be purchased in addition to your existing health insurance plan. The Star Health Insurance Top-Up Plan is available in two variants: Gold and Silver, and can be purchased for one or two years.
Policyholders can enjoy lifetime renewability with long-term premium discounts of up to 5%. No medical examination is required to purchase Star Health Insurance Top-up Plans. Premiums can be paid quarterly or semi-annually. The plan's eligibility criteria are 18 to 65 years for adults, with dependent children covered from 91 days to 25 years.
Star Health Insurance Top-up Plans cover in-patient hospitalization, pre- and post-hospitalization expenses, room rent, road ambulance, air ambulance, modern treatments, wellness benefits, and other services.
Plan at a glance
Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.
Entry age
Minimum: 91 Days to Maximum: 65 Years
Plan type
Top Up and Super Top Up
Sum insured options
₹5 L, ₹7 L, ₹10 L, ₹15 L, ₹20 L, ₹25 L, ₹50 L, ₹75 L, ₹1 L
Waiting period
30 days
Renewability
N/A
Policy term
1/2/3 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
- Avail wellness benefits
- Consult doctors online
- Recharge your sum insured
Cons
- No maternity coverage
- HIV infection / AIDS
- Cosmetic or sex-change treatment
Video reviews
Walkthroughs from the PolicyX team — pros, cons, real claim experiences and who should buy.
Star Health Insurance Plan Detailed Review
Key Benefits of Star Health Insurance Top-Up Plans
Star Health Insurance Top-Up Plans are tailor-made to provide efficient coverage and instant claim settlement service to customers.
-
Wellness Benefits
Star Health Insurance Top-Up Plans offer wellness benefits, including rewards that encourage a healthy lifestyle. -
Tax Benefits under Section 80D
Premiums paid for Star Health Insurance Top-Up Plans are eligible for tax deductions under Section 80D of the Income Tax Act, 1961. -
Sum Insured Recharge Benefit
The plan offers a recharge benefit, providing an additional sum insured once during the policy period if the original sum insured is exhausted. -
Online Doctor Consultations
Star Health Insurance Top-Up Plans provide access to online consultations with network medical practitioners, helping policyholders manage their health without additional fees. -
Flexible Coverage Options
Available as both individual and family floater plans, covering up to 7 family members.
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.
Inclusions & exclusions
What the plan pays for, and what it doesn't.
Inclusions
- Air ambulance
- Organ donor expenses
- In-patient hospitalization expenses
- Pre- and post-hospitalization expenses
- Day-care procedures
- Pre-existing diseases (after a specified waiting period)
Exclusions
- Infertility, congenital external defects
- Hospitalization primarily for investigation/diagnostic purposes
- Alternative treatments (non-allopathic)
- Pregnancy or childbirth-related expenses
- HIV infection/AIDS
- Cosmetic or sex-change treatments/surgeries
- Alcohol consumption, smoking, tobacco intake, or drug abuse
- Intentional self-injury, suicide, or attempted suicide
- Breach of law or participation in a felony, riot, crime, misdemeanor, or civil commotion
- War, terrorism, or nuclear weapons-related claims
Who can buy this plan
Eligibility criteria pulled straight from the policy wording.
- Entry Age: Minimum: 91 Days to 65 Years
- SI: Up to 1 Cr
- Initial Waiting Period: 30 Days
Other features & benefits
- Air ambulance
- Organ donor expenses
- Affordable premiums
Star Health Insurance Top-Up Plan: FAQs
The 5 most-asked questions about Star Health Top-up Plans, answered.
No, Star health top-up plans do not have co-pay applicable when purchasing the policy.
The eligibility criteria is mentioned below: Entry age for adults - 18 Years Maximum entry age for adults - 65 Years Entry age for dependent children - 91 days Maximum entry age for dependent children - 24 Years
The sum insured options available under Star health top up range from 5 lakh to 1 Cr INR. The plan has something for different individuals based on their requirements.
No, individuals do not need to undergo any pre-policy medical check-up to purchase the Star Health Insurance Top-Up Plan.
Yes, Star Health Top-up covers pre-existing diseases.
Explore Star Health Insurance
Star Health Free Health Check-Up
Star Health Insurance Premium Calculator
Star Health Policy Download
Star Health Claim Settlement Ratio
Renewal of Star Health Insurance
Star Health Insurance Customer Care
Star Health Incurred Claim Ratio
Star Health Policy Cancellation
Star Health Insurance Claims
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Health Insurance Premium Calculator
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Written and reviewed by
PolicyX content is researched in-house and reviewed by an IRDAI-certified insurance specialist before publication.
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