Star Health Insurance Top-up Plans

Top-up health plans from Star Health Insurance can help you protect your health in the event of a medical emergency after you have exhausted the sum insured provided 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 it can be purchased for one or two years.

Individuals can enjoy lifetime renewability with long-term premium discounts of up to 5%. There is no medical exam required to purchase Star Health Insurance Top-up Plans. Individuals can pay policy premiums quarterly or semi-annually, and the plan's eligibility criteria are 18 and 65 years old, with dependent children covered from 91 days to 25 years old. In-patient hospitalization, pre- and post-hospitalization, room rent, road ambulance, air ambulance, modern treatment, wellness benefits, and other services are covered by Star Health insurance top-up plans.

Star Health Insurance Top-Up Plans

Star Super Surplus Insurance Policy

The plan offers additional coverage to the policyholder in case their existing coverage is exhausted.

Unique Features

All Daycare procedure
Pre and Post Hospitalization
Organ Donor Expense

Key Benefits of Star Health Insurance Top-Up Plans

Star Health insurance top-up plans are tailor-made to provide its customers with efficient coverage and instant claim settlement service.

Access to Wellness Benefits
Star Health Insurance Top-Up Plans provide wellness benefits to its customers that result in various wellness rewards. Star Health top-up plans are designed in a way that motivates and encourages customers to live healthily and stay disease free.
Tax Benefits
Star Health Insurance Top-Up Plan is eligible under Income Tax Act 1981. The plan premiums paid will be eligible for tax deductions.
Recharge your sum insured
Individuals are offered recharge benefit under Star Health Insurance Top-Up plans which provides an additional indemnity once during the policy period in case sum insured is exhausted.
Consult doctors online
Star Health Insurance top-up plans provide individuals with online consultations from its network of medical practitioners. This helps individuals to take better care of their health and also clear any doubts regarding their health without any additional fee.
Flexible Policy
Star Health Insurance top-up plans are available as both individuals and family floater plans and can cover up to 7 family members.

Star Health Insurance Top-Up Plan Eligibility Criteria

Entry Age

Minimum: 91 Days to 24 Years

Adult Entry Age

Minimum: 18 Years
Maximum: 65 Years

Plan Type

Individual/Family Floater

Policy Term

1/2/3 Years

Sum Insured

5 L | 7 L | 10 L | 15 L | 20 L | 25 L | 50 L | 75 L | 1 Cr

Initial Waiting Period*

30 Days*

Choose Star Health Insurance Plan for

Star Health Insurance Top-Up Plan Inclusions

The various inclusions under Star Health Insurance Top-Up Plans includes

Maternity Cover

Air ambulance

Organ donor expenses

Inpatient hospitalization expenses

Pre- and post-hospitalisation expenses

Day-care procedures

Pre-existing diseases after a specific waiting period

Star Health Insurance Top-Up Plan Exclusions

The various exclusions under Star Health Insurance Top-Up Plans includes

Infertility, congenital external

Any hospitalization primarily for investigation / diagnostic purpose · Alternative Treatments (Non Allopathic treatments)

pregnancy or childbirth

HIV infection / AIDS

cosmetic or sex-change treatment/surgery

alcohol consumption, smoking, another tobacco intake, or drug abuse

intentional self-injury, suicide, or attempted suicide

any breach of law or participation in an actual or attempted felony, riot, crime, misdemeanor, or civil commotion

war, terrorism, or nuclear weapons

Explore Star Health Insurance

Explore other Star Health Plans

To cater to the different medical needs of an individual & their family, Star Health offers several Health Plans ranging from senior citizen plans to specialized plans for autistic children, to health insurance for cardiac patients, and many more.Take a look below to explore more:

Comprehensive

Star Comprehensive Plan

This policy is designed to provide complete protection against all health care eventualities to you and your family.

Unique Features

Avail free health check-ups
Hospital Cash Benefit
100% Automatic Restoration

Star Comprehensive Plan (Pros)

99.6% CSR
Up to 1 Cr SI
Maternity Cover
New Born Baby Cover
Road and Air Ambulance

Star Comprehensive Plan (Cons)

No Global Coverage
No IVF Treatment
No compassionate Travel
HIV/AIDS not covered

Star Comprehensive Plan (Other Benefits)

Individual and family floater
Mid-term inclusion available
Accidental Death
Permanent Total Disablement
Star Wellness Program

Star Comprehensive Plan (Eligibility Criteria)

Entry Age - 3 Months
Max Entry Age - 65 Years
SI - 5 L to 1 Cr
Waiting Period - 30 Days

Comprehensive

Star Family Health Optima Policy

The plan is ideal for the families who want to get covered under single sum insured.

Unique Features

Automatic Restroration of SI
Instant Recharge UPTO 30% of SI
New born baby cover from 16th day

Family Health Optima Policy (Pros)

No Pre-Policy Check-up
Lifelong Renewability
High SI available
COVID-19 cover
OPD covered

Family Health Optima Policy (Cons)

PED cover not available
Obesity Treatment Unavailable
Hazardous Activities
HIV/AIDS not covered
Cosmetic Surgery unavailable

Family Health Optima Policy (Other Benefits)

Long term discounts
Premium Payment flexibility
Health Check-up Cover
Domiciliary Hospitalization
Modern Treatment Cover

Family Health Optima Policy (Eligibility Criteria)

Entry Age - 18 Years
Max Entry Age - 65 Years
SI - 1 L to 25 L
Waiting Period - 30 Days

Youth-specific

Star Young Star Policy

Created for young individuals under 40 years of age. It also offers various benefits such as discounts on renewals, incentive-led wellness programs, lowest waiting periods.

Unique Features

No-claim bonus
Hospital daily cash
Automatic restoration of SI

Star Young Star Policy (Pros)

Mid-term inclusion
10% discount on early purchase
Star Wellness Program
Flexible-Premium Payment
2 Plan variants

Star Young Star Policy (Cons)

PED waiting period
Obesity Treatment Unavailable
Hazardous Activity not covered
HIV/AIDS not covered
Cosmetic Surgery unavailable

Star Young Star Policy (Other Benefits)

Hospital Cash Benefit
Lifelong Renewal
E-opinion
No-claim bonus
Automatic Restoration

Star Young Star Policy (Eligibility Criteria)

Entry Age - 18 Years
Max Entry Age - 40 Years
SI - 3 L to 1 Cr
Waiting Period - 30 Days

Protection Plan

Young Star Extra Protect

This plan is designed to enhance your base health policy’s sum insured to provide maximum coverage for room rent, modern treatment, etc.

Unique Features

Modern care optimization
Base plan enhancement
AYUSH treatment extender

Young Star Extra Protect (Pros)

Modern treatment coverage
Room rent limit extension
Base policy’s sum insured enhancement
Features similar to the base policy
Home care treatment

Young Star Extra Protect (Cons)

No maternity cover
Limited to SI of base policy
Organ donor expenses not covered
Vaccination not covered
COVID-19 care not covered

Young Star Extra Protect (Other Benefits)

Individual & family floater plan
Trusted insurance provider
Unlimited benefits up to SI
Cashless claim settlement
AYUSH Treatment cover

Young Star Extra Protect (Eligibility Criteria)

Minor entry age - 91 days - 25 years
Adult entry age - 18 - 40 year
SI - Base policy above INR 10 Lakhs
Waiting Period - As per the base policy

Standard

Star Arogya Sanjeevani Policy

A standard health plan mandated by IRDAI that covers all essential healthcare benefits including Ayush treatment, day care procedures, etc. for individuals and families.

Unique Features

Room rent up to 5K/day
Modern treatments covered
20% rural discount available

Arogya Sanjeevani Policy (Pros)

Affordable Plan
50% No Claim Bonus
Flexible Policy
Day Care Procedures Covered
Up to 25% of SI for Cataracts

Arogya Sanjeevani Policy (Cons)

5% Co-payment
Obesity Treatment Unavailable
Hazardous Activity not covered
HIV/AIDS not covered
Cosmetic Surgery unavailable

Arogya Sanjeevani Policy (Other Benefits)

Lifelong Renewal
Road Ambulance Cover
Day Care Procedures Covered
AYUSH treatment Cover
Rural Discount

Arogya Sanjeevani Policy (Eligibility Criteria)

Entry Age - 3 Months
Max Entry Age - 65 Years
SI - 1 L to 10 L
Waiting Period - 30 Days

Comprehensive

Star Medi Classic Policy (Individual)

A uniquely designed insurance policy that covers organ donor expenses up to sum insured, AYUSH treatments, modern treatments, and many more.

Unique Features

All Daycare procedures
Automatic Restoration
Domiciliary hospitalization

Medi Classic Policy (Individual) (Pros)

Plan Variants Available
Customizable Plan
Hospital-Cash Benefit
5% Family Discount
Organ Donor Cover

Medi Classic Policy (Individual) (Cons)

10% Co-payment
Obesity Treatment Unavailable
Hazardous Activity not covered
HIV/AIDS not covered
Cosmetic Surgery unavailable

Medi Classic Policy (Individual) (Other Benefits)

New Born Baby Cover
100% Super Restoration
Up to 100% No-claim Bonus
Psychiatric coverage
Patient Care Cover

Medi Classic Policy (Individual) (Eligibility Criteria)

Entry Age - 16 Days
Max Entry Age - 65 Years
SI - 1.5 L to 25 L
Waiting Period - 30 Days

Flexible

Star Health Gain Policy

Provides flexibility in terms of choosing the Sum Insured amount, premium amount, family size. It can be a perfect tax saver for you.

Unique Features

All Daycare procedures
Coverage for Modern Treatment
Outpatient Expense

Star Health Gain Policy (Pros)

Day Care Procedures Covered
Road Ambulance Available
Modern Treatments Available
Outpatient Benefit

Star Health Gain Policy (Cons)

20% Co-payment
Obesity Treatment Unavailable
Hazardous Activity not covered
HIV/AIDS not covered
Cosmetic Surgery unavailable

Star Health Gain Policy (Other Benefits)

Up to 60k Cataract cover
Room Rent Cover
ICU Cover
Wide SI options
Flexible Premiums

Star Health Gain Policy (Eligibility Criteria)

Entry Age - 91 Days
Max Entry Age - 65 Years
SI - 1 L to 5 L
Waiting Period - 30 Days

Individual Plan

Star Health Premier Policy

A unique health plan for individuals above the age of 50 years with no upper age entry limit. The plan comes with a high SI.

Unique Features

Affordable Premiums
Long Term Discounts
Automatic Restoration

Star Health Premier Policy (Pros)

Cataract Treatment Cover
10% Health Check- Up Discount
High SI
Home Care Treatment
Road Ambulance Cover

Star Health Premier Policy (Cons)

20% Co-pay applicable
Obesity Treatment Unavailable
Hazardous Activity not covered
HIV/AIDS not covered
Cosmetic Surgery unavailable

Star Health Premier Policy (Other Benefits)

Hospice Care
Pain Management
AYUSH Treatment
Modern Treatment
100% Cumulative Bonus

Star Health Premier Policy (Eligibility Criteria)

Entry Age - 91 Days
Max Entry Age - No Age Limit
SI - 10 L to 1 Cr
Waiting Period - 30 Days

Women Care

Star Women Care Plan

A special plan designed for women, wherein women can avail multifold benefits along with the coverage to the whole family.

Unique Features

Coverage for Modern Treatments
Coverage during Pregnancy
Preventive Health Check Up

Star Women Care Plan(Pros)

Designed for Women's Care
Cancer cover optional
Bariatric Surgery Cover
Mid-term inclusions
High SI

Star Women Care Plan (Cons)

Obesity Treatment Unavailable
Hazardous Activity not covered
HIV/AIDS not covered
Cosmetic Surgery unavailable
Congenital Disease Cover

Star Women Care Plan (Other Benefits)

10% long-term discount
10% Air Ambulance Cover
Pain Management Cover
Assisted Reproduction
Automatic Restoration

Star Women Care Plan (Eligibility Criteria)

Entry Age - 91 Days
Max Entry Age - 75 Years
SI - 5 L to 1 Cr
Waiting Period - 30 Days

Senior Citizen

Star Health Senior Citizens Red Carpet Policy

The plan is specially designed for those individuals who are willing to secure their old-age medical needs after their retirement.

Unique Features

Guaranteed Lifelong renewals
No Pre-acceptance Medical test
Availability of Instalment Facility

Senior Citizens Red Carpet Policy (Pros)

Individual & family floater plan
Flexible SI
Road Ambulance Cover
ICU cover
Health Check-up cover

Senior Citizens Red Carpet Policy (Cons)

Obesity Treatment Unavailable
Hazardous Activity not covered
HIV/AIDS not covered
Cosmetic Surgery unavailable
Congenital Disease Cover

Senior Citizens Red Carpet Policy (Other Benefits)

Flexible-Premium Payment
Cataract Treatment available
Modern treatment cover
No pre-policy checkup
OP Consultation

Senior Citizens Red Carpet Policy (Eligibility Criteria)

Entry Age - 60 Years
Max Entry Age - 75 Years
SI - 1 L to 25 L
Waiting Period - 30 Days

Top-up

Star Super Surplus Policy

The plan offers additional coverage to the policyholder in case their existing coverage is exhausted.

Unique Features

All Daycare procedure
Pre and Post Hospitalization
Organ Donor Expense

Star Super Surplus Policy (Pros)

Flexible Policy
Avail Long Term Discount
Cover family up to 2A+3C
Lifelong renewal
2 Plan variants

Star Super Surplus Policy (Cons)

Includes Deductibles
Hazardous Activity not covered
HIV/AIDS not covered
Cosmetic Surgery unavailable
Congenital Disease Cover

Star Super Surplus Policy (Other Benefits)

Avail e-opinions
Star Wellness Services
Recharge benefit
Air Ambulance
No pre-policy Medical check-up

Star Super Surplus Policy (Eligibility Criteria)

Entry Age - 18 Years
Max Entry Age - 65 Years
SI - 5 L to 1 Cr
Waiting Period - 30 Days

Critical Illness

Star Criticare Plus Policy

Provides reimbursement of hospitalization expenses and also provides a total amount of sum insured if the insured person is diagnosed with a major illness.

Unique Features

Modern Treatment Covered
Non-allopathic Treatment
Coverage Medicine and drugs cost

Care Policy

Star Cardiac Care Policy-Platinum

A unique plan designed for cardiac care with a wide range of sum-insured options and flexible payment options

Unique Features

High SI available
100% No Claim Bonus
Avail Non-Cardiac Cover

Star Cardiac Care Policy-Platinum (Pros)

Avail Heart Transplantation
Long Term Policy
Up to 15 L SI
Cardiac device cover
Installment options available

Star Cardiac Care Policy-Platinum (Cons)

Obesity Treatment Unavailable
Hazardous Activity not covered
HIV/AIDS not covered
Cosmetic Surgery unavailable
Congenital Disease Cover

Star Cardiac Care Policy-Platinum (Other Benefits)

Wellness Services
Angiogram Test
Modern Treatments
Pain Management
Health Check-ups

Star Cardiac Care Policy-Platinum (Eligibility Criteria)

Entry Age - 7 Years
Max Entry Age - 70 Years
SI - 5 L to 15 L
Waiting Period - 30 Days

Affordable Plan

Star Hospital Cash Policy

It is designed to care for your incidental expenses such as travel, food, etc. that are not covered under your Health Insurance Policy in the event of Hospitalization.

Unique Features

Two Plan Variants
Individual and Family Floater
Affordable

Star Hospital Cash Policy (Pros)

3 Years Policy Term
Cover up to 3 Children
180 days of hospital cash days
Comprehensive Plan
Various Hospital Cash Covers

Star Hospital Cash Policy (Cons)

Obesity Treatment Unavailable
Hazardous Activity not covered
HIV/AIDS not covered
Cosmetic Surgery unavailable
Injuries due to breach of law

Star Hospital Cash Policy (Other Benefits)

Sickness Hospital Cash
Accident Hospital Cash
ICU Hospital Cash
Child Birth Hospital Cash
Worldwide Hospital Cash

Star Hospital Cash Policy (Eligibility Criteria)

Entry Age - 91 Days
Max Entry Age - 65 Years
SI - 1k - 5k
Waiting Period - 30 Days

Cardiac

Star Cardiac Care Policy

Star Cardiac Care is ideal for those individuals who want to cover the expenses of cardiac & non-cardiac ailments.

Unique Features

Accidents and non-cardiac ailments
Day care procedure
No pre-acceptance Medical test

Star Cardiac Care Policy (Pros)

Flexible Product
Personal Accident Cover
2 Plan Variants
Road Ambulance
Day Care Procedures

Star Cardiac Care Policy (Cons)

10% Co-Payment
PED
Cosmetic Surgery
Obesity Treatment
Change of Gender Treatments

Star Cardiac Care Policy (Other Benefits)

Personal Accident Cover
Heart Transplantation
OPD expenses Cover
Modern Treatment Cover
COVID-19 Cover
Cataract Cover

Star Cardiac Care Policy (Eligibility Criteria)

Entry Age - 10 Years
Max Entry Age - 65 Years
SI - 3 L to 4 L
Waiting Period - 30 Days

Cancer care

Star Cancer Care Gold (Pilot Product)

Covers the risk of spreading/recurrence of first cancer (metastasis) & second cancer (second malignancy)

Unique Features

Pre-hospitalization (30 days)
All daycare procedure
Nursing Expense

Autism Spectrum Disorder

Star Special Care Policy

Star Special Care provides coverage to children (3 years to 25 years) who are diagnosed with Autism Spectrum Disorder.

Unique Features

No Pre-medical test
Nursing Expense
Emergency Ambulance Charges

Star Special Care Policy (Pros)

Modern Treatment Available
Day Care Procedures Available
Ambulance cover
Room rent cover
Shared Accommodation cover

Star Special Care Policy (Cons)

Obesity Treatment Unavailable
Hazardous Activity not covered
HIV/AIDS not covered
Cosmetic Surgery unavailable
Pre-existing Diseases

Star Special Care Policy (Other Benefits)

Treatment of Seizures
Behavioral Therapy Cover
Speech Therapy Cover
Occupational Therapy Cover
Adeno Tonsillectomy

Star Special Care Policy (Eligibility Criteria)

Entry Age - 3 Years
Max Entry Age - 25 Years
SI - 3 L
Waiting Period - 30 Days

Individual Plan

Micro Rural and Farmers Care

An individual and floater basis rural plan with SI of 1 lakh and 2 lakh respectively. Comes with installment on premiums and lifelong renewal.

Unique Features

Day care procedures
Modern treatments
Cataract treatment

Micro Rural and Farmers Care (Pros)

Designed for Farmers
Flexible Policy
Day Care Procedures
Flexible Payment Options
PED cover available

Micro Rural and Farmers Care (Cons)

20% co-pay
Obesity Treatment Unavailable
Hazardous Activity not covered
HIV/AIDS not covered
Cosmetic Surgery unavailable

Micro Rural and Farmers Care (Other Benefits)

No Pre-policy medical checkup
Modern Treatments Covered
Lifelong Renewal
Up to 15k Cataract Cover
ICU cover

Micro Rural and Farmers Care (Eligibility Criteria)

Entry Age - 18 Years
Max Entry Age - 65 Years
SI - 1 L - 2 L
Waiting Period - 30 Days

Individual Plan

Star Out Patient Care

An OPD coverage policy with an individual and family floater option and 4 SI variants. Comes with 3 plan variants: Silver, Gold and Platinum.

Unique Features

Diagnostics and physiotherapy
Pharmacy
Ophthalmic cover

Star Out Patient Care (Pros)

Cover up to 6 family members
3 Plan variants available
Dental Cover available
Physiotherapy cover
Pharmacy cover

Star Out Patient Care (Cons)

Obesity Treatment Unavailable
Hazardous Activity not covered
HIV/AIDS not covered
Cosmetic Surgery unavailable
Breach of law

Star Out Patient Care (Other Benefits)

Dental Treatments Available
AYUSH Treatments Available
Ophthalmic Treatment
Outpatient Consultation
Renewal Discounts

Star Out Patient Care (Eligibility Criteria)

Entry Age - 18 Years
Max Entry Age - 50 Years
SI - 25k - 1 L
Waiting Period - 30 Days

Individual Plan

Star Accident Care Policy

An accidental coverage policy for individuals and families and comes with high sum insured. The policy gives cumulative bonus and multiple discounts.

Unique Features

Educational grant
Vehicle/Residence modification
Imported medicines

Individual Plan

Special Care Gold Insurance Policy

Special Care Gold is a special product tailored specifically for individuals with disabilities and those who are HIV/AIDS positive.

Unique Features

No pre-policy check-up
Affordable Plan
Flexible premium payment

Special Care Gold Insurance Policy (Pros)

HIV/AIDS Cover
Waiver of Co-Payment
Cataract Treatment Cover
Day Care Treatments
Road Ambulance Cover

Special Care Gold Insurance Policy (Cons)

20% Co-pay applicable
Obesity Treatment Unavailable
Hazardous Activity not covered
Cosmetic Surgery unavailable
Injuries due to breach of law

Special Care Gold Insurance Policy (Other Benefits)

Pre Hospitalization Cover
Post Hospitalization Cover
Disability Cover
High SI
Modern Treatment Cover

Special Care Gold Insurance Policy (Eligibility Criteria)

Entry Age - 18 Years
Max Entry Age - 65 Years
SI - 4 L to 5 L
Waiting Period - 30 Days

COVID-19

Star Novel Coronavirus (nCoV) (COVID-19) Insurance Policy

This plan is for individuals who want to protect themselves and their families against the deadliest virus of Covid-19.

Unique Features

No pre-medical Test
Only 16 days of Waiting Period
Low premium amount

COVID-19

Corona Kavach Policy

It covers the cost of hospitalization if the policyholder tested positive for COVID-19.

Unique Features

AYUSH Treatments
Home Care Treatment
No pre-medical screening test

COVID-19

Corona Rakshak Policy

This policy offers 100% sum insured to the policyholder if he/she tested positive for COVID-19.

Unique Features

No pre-medical screening test
Sum insured: INR 50K to 2.5Lakhs
Only 15 days Waiting Period

Accident Plan

Star Health Assure Insurance Policy

A new-age plan with loaded benefits covering hospitalization expenses arising due to illness or accident.

Unique Features

Premium Payment Flexibility
Wellness Program
Short Waiting Period

Assure Insurance Policy (Pros)

Second Medical Opinion
Health Check-up Covered
100% Cumulative Bonus
Compassionate Travel
AYUSH Treatment

Assure Insurance Policy (Cons)

10% Co-pay applicable
Deductibles
HIV/AIDS not covered
Cosmetic Surgery unavailable
Injuries due to breach of law

Assure Insurance Policy (Other Benefits)

In Utero Fetal Surgery
Pain Management
Rehabilitation Cover
Organ Donor Cover
Modern Treatment Cover

Assure Insurance Policy (Eligibility Criteria)

Entry Age - 18 Years
Max Entry Age - 75 Years
SI - 5 L - 2 Cr
Waiting Period - 30 Days

Individual Plan

Star Health Diabetes Safe Insurance Policy

A specified plan for Type 1 or Type 2 Diabetes with flexible plan options. Offers automatic sum restoration with accident cover.

Unique Features

Cataract Cover
Affordable Premiums
Flexible Payment Options

Diabetes Safe Policy (Pros)

Road Ambulance Cover
Pre and Post Hospitalization
ICU Cover
Room Rent Cover
Day Care Treatment Cover

Diabetes Safe Policy (Cons)

Obesity Treatment Unavailable
Hazardous Activity not covered
HIV/AIDS not covered
Cosmetic Surgery unavailable
Injuries due to breach of law

Diabetes Safe Policy (Other Benefits)

Dialysis Cover
Kidney Transplant Cover
Artificial Limbs Cover
Personal Accident Cover
OPD Cover

Diabetes Safe Policy (Eligibility Criteria)

Entry Age - 18 Years
Max Entry Age - 65 Years
SI - 3 L to 10 L
Waiting Period - 30 Days

Platinum Plan

Star Cancer Care Platinum Insurance Policy

A cancer oriented policy which offers all-round protection and covers the high medical bills of the disease.

Unique Features

High SI
Affordable Premiums
Flexible Payment Options

Cancer Care Platinum Policy (Pros)

Cataract Cover
No pre-medical check-up
Lump Sum Cover
50% Cumulative Bonus
Hospice Care

Cancer Care Platinum Policy (Cons)

Obesity Treatment Unavailable
Hazardous Activity not covered
HIV/AIDS not covered
Cosmetic Surgery unavailable
Injuries due to breach of law

Cancer Care Platinum Policy (Other Benefits)

Second Medical Opinion
Rehabilitation Cover
Pain Management
Day Care Treatment
Modern Treatment Cover

Cancer Care Platinum Policy (Eligibility Criteria)

Entry Age - 5 Months
Max Entry Age - 65 Years
SI - 5 L to 10 L
Waiting Period - 30 Days

Critical Plan

Star Critical Illness Multipay Insurance Policy

A critical illness policy providing lump sum benefit on diagnosis of Critical illnesses related to Cancer, Heart, Brain & Nervous System, and Major Organs.

Unique Features

High SI
Affordable Premiums
Tax Benefits

Critical Illness Multipay Policy (Pros)

Flexible Payment
Long Term Policy
Bone Marrow Transplantation
Heart Disease Cover
4 Group CI Covered

Critical Illness Multipay Policy (Cons)

Obesity Treatment Unavailable
Hazardous Activity not covered
HIV/AIDS not covered
Cosmetic Surgery unavailable
Injuries due to breach of law

Critical Illness Multipay Policy (Other Benefits)

Open Chest CABG
Heart Transplantation
Coma of Specified Severity
Wellness Programs
Major Head Trauma

Critical Illness Multipay Policy (Eligibility Criteria)

Entry Age - 18 Years
Max Entry Age - 65 Years
SI - 5 L to 25 L
Waiting Period - 30 Days

Critical Plan

Smart Health Pro Plan

A truly smart health plan launched by Star Health Insurance offering tailored healthcare solutions with a high sum insured of up to INR 1 crore.

Unique Features

Tax Benefits
High SI
Multiple Optional Covers

Smart Health Pro Plan (Pros)

Modify Room Category
Up to 600% Cumulative Bonus
Reduced Waiting Period
Non-Medical Items Covered
Unlimited Automatic Restoration

Smart Health Pro Plan (Cons)

Adventure Sports Injuries
AIDS not covered
Injuries due to Illegal activities
No IVF Treatment
Obesity Not Covered

Smart Health Pro Plan (Other Benefits)

Multiple Discounts Available
Family Health Cover
Daycare Treatments
Air Ambulance
Domiciliary Hospitalization

Smart Health Pro Plan (Eligibility Criteria)

Entry Age: 18 Years
Maximum Entry Age: 50 Years
SI - 5 L to 1 Crore
Waiting Period - 30 Days

Protection Plan

Star Extra- Protect Insurance Policy

Star Extra Protect is an add-on Cover that enhances the limits of existing covers in addition to offering new features to the base policy

Unique Features

Additional SI
Enhanced Protection
Tax Benefits

Extra- Protect Policy (Pros)

Enhanced Room Rent
Non-Medical Items Covered
Affordable Premiums
Baby Food Cover
Ambulance Cover

Extra- Protect Policy (Cons)

Obesity Treatment Unavailable
Hazardous Activity not covered
HIV/AIDS not covered
Cosmetic Surgery unavailable
Injuries due to breach of law

Extra- Protect Policy (Other Benefits)

Modern Treatment Cover
Oral Chemotherapy
Robotic surgeries
AYUSH Treatment
Home Care Treatment

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 Star Network Hospital

Health Insurance Articles

See More Health Insurance Articles

Star Health Insurance Top-Up Plan: FAQs

1. Does Star Health top-up plan have any co-pay clause in effect?

No, Star health top-up plans do not have co-pay applicable when purchasing the policy.

2. What is the eligibility criteria for Star Health top-up plan?

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

3. What are the sum insured options available under the Star Health Top Up plan?

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.

4. Are there any pre-policy medical screening required before purchasing the Star Health Top-up?

No, individuals do not need to undergo any pre-policy medical check-up to purchase the Star Health Insurance Top-Up Plan.

5. Does Star Health Top-up cover pre-existing diseases?

Yes, Star Health Top-up covers pre-existing diseases.

What Our Customers Have to Say

Simran

Jamshedpur

April 8, 2024

I am impressed by Star Health reward features and want to be associated with the insurer for a long time

Dinesh

Belgaum

April 8, 2024

I required emergency hospitalization on my family trip to a remote city and PolicyX helped me find the nearest network hospital of Star health insurance

Nitika

Jalandhar

April 8, 2024

My grandparents are over 60 years old and I wanted to look for the best senior citizen health plan for them when PolicyX introduced me to Star Red Carper Health policy

Ashima

Amritsar

April 8, 2024

I was skeptical about investing in a family health plan thinking the coverage features will not be enough but Star comprehensive health plan proved me wrong, thank you policyX for finding the b...

Shikha Bajaj

Gurgaon

April 8, 2024

I have been associated with Star Health Insurance for over 3 years now and have had a smooth insurance experience

Kanupriya

Rajkot

April 8, 2024

I liked how my Star health insurance provides health check-ups, hospitalization, accidental cover, and so on at an affordable rate. Thank you PolicyX for encouraging me to buy it.

Neha Sukheja

Indore

April 8, 2024

I got treated with Angioplasty surgery and I’m thankful that the Star Comprehensive plan covered my treatment expenses and saved my hard-earned money.

Vaidehi Kanaujia

Indore

April 8, 2024

I have been insured with a Star Health Assure policy that I bought at the suggestion of PolicyX’s agent. I got my claims settled two times in a year and I highly recommend this policy.

View All Star Health Insurance Reviews

Reviewed By: Naval Goel

Naval Goel is the CEO & founder of PolicyX.com. Naval has an expertise in the insurance sector and has professional experience of more than a decade in the Industry and has worked in companies like AIG, New York doing valuation of insurance subsidiaries. He is also an Associate Member of the Indian Institute of Insurance, Pune. He has been authorized by IRDAI to act as a Principal Officer of PolicyX.com Insurance Web Aggregator.

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Star Health Insurance Top-up Plans

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Star Health Insurance Top-Up Plans

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Star Health Insurance Top-Up Plan Eligibility Criteria

Entry Age

Adult Entry Age

Plan Type

Policy Term

Sum Insured

Initial Waiting Period*

Health Insurance Companies

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Star Health Insurance Top-Up Plan Inclusions

Star Health Insurance Top-Up Plan Exclusions

Explore Star Health Insurance

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Star Comprehensive Plan (Cons)

Star Comprehensive Plan (Other Benefits)

Star Comprehensive Plan (Eligibility Criteria)

Family Health Optima Policy (Pros)

Family Health Optima Policy (Cons)

Family Health Optima Policy (Other Benefits)

Family Health Optima Policy (Eligibility Criteria)

Star Young Star Policy (Pros)

Star Young Star Policy (Cons)

Star Young Star Policy (Other Benefits)

Star Young Star Policy (Eligibility Criteria)

Young Star Extra Protect (Pros)

Young Star Extra Protect (Cons)

Young Star Extra Protect (Other Benefits)

Young Star Extra Protect (Eligibility Criteria)

Arogya Sanjeevani Policy (Pros)

Arogya Sanjeevani Policy (Cons)

Arogya Sanjeevani Policy (Other Benefits)

Arogya Sanjeevani Policy (Eligibility Criteria)

Medi Classic Policy (Individual) (Pros)

Medi Classic Policy (Individual) (Cons)

Medi Classic Policy (Individual) (Other Benefits)

Medi Classic Policy (Individual) (Eligibility Criteria)

Star Health Gain Policy (Pros)

Star Health Gain Policy (Cons)

Star Health Gain Policy (Other Benefits)

Star Health Gain Policy (Eligibility Criteria)

Star Health Premier Policy (Pros)

Star Health Premier Policy (Cons)

Star Health Premier Policy (Other Benefits)

Star Health Premier Policy (Eligibility Criteria)

Star Women Care Plan(Pros)

Star Women Care Plan (Cons)

Star Women Care Plan (Other Benefits)

Star Women Care Plan (Eligibility Criteria)

Senior Citizens Red Carpet Policy (Pros)

Senior Citizens Red Carpet Policy (Cons)

Senior Citizens Red Carpet Policy (Other Benefits)

Senior Citizens Red Carpet Policy (Eligibility Criteria)

Star Super Surplus Policy (Pros)

Star Super Surplus Policy (Cons)

Star Super Surplus Policy (Other Benefits)

Star Super Surplus Policy (Eligibility Criteria)

Star Cardiac Care Policy-Platinum (Pros)

Star Cardiac Care Policy-Platinum (Cons)

Star Cardiac Care Policy-Platinum (Other Benefits)

Star Cardiac Care Policy-Platinum (Eligibility Criteria)

Star Hospital Cash Policy (Pros)

Star Hospital Cash Policy (Cons)

Star Hospital Cash Policy (Other Benefits)

Star Hospital Cash Policy (Eligibility Criteria)

Star Cardiac Care Policy (Pros)

Star Cardiac Care Policy (Cons)

Star Cardiac Care Policy (Other Benefits)

Star Cardiac Care Policy (Eligibility Criteria)

Star Special Care Policy (Pros)

Star Special Care Policy (Cons)

Star Special Care Policy (Other Benefits)

Star Special Care Policy (Eligibility Criteria)

Micro Rural and Farmers Care (Pros)

Micro Rural and Farmers Care (Cons)