Star Health 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*

Health Insurance Companies

Star Health Insurance

Care Health Insurance

Aditya Birla Health Insurance

HDFC ERGO Health Insurance

Apollo Munich Health Insurance

Max Bupa Health Insurance

ICICI Lombard Health Insurance

Tata AIG Health Insurance

Bajaj Allianz Health Insurance

SBI Health Insurance

Royal Sundaram Health Insurance

ManipalCigna Health Insurance

Reliance Health Insurance

IFFCO Tokio Health Insurance

Future Generali Health Insurance

National Health Insurance

United India Health Insurance

New India Health Insurance

Navi Health Insurance

ACKO Health Insurance

Digit Health Insurance

ZUNO General Insurance

Universal Sompo Health Insurance

Liberty Health Insurance

Kotak Mahindra Health Insurance

Magma Health Insurance

Cholamandalam MS Health Insurance

Oriental Health Insurance

Raheja QBE MS Health Insurance

Know More About Health Insurance Companies

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 Insurance Plans

To cater to the different medical needs of an individual & their family, Star Health offers several Health Plans. Along with Star Top-up Health Insurance Plan, there are other plans to choose from. Take a look below to explore more:

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

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

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

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
7 family cover size options
Lifelong renewal
3 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

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

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

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

Star Diabetes Safe Insurance Policy

Designed specifically for diabetic persons. Hospitalization related to diabetes and non-diabetic problems is covered under this plan.

Unique Features

30 days waiting period
Automatic restoration of Sum Insured
Outpatient Expenses

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

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

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

Ranjan Kumar Verma

Patna

March 5, 2023

मैने 2016 में PolicyX.Com से Health Insurance Online Purchase किया था। अभी 2021 से मैं STAR HEALTH का Policy continue किया हूँ�...

sandeep singh

Chandigarh

January 12, 2023

Dnt buy any policy from Star health They are big fraud my father is admitted in hospital crucial stage they reject our claims without reason i will filled case against company in consumer court...

Sanjay naraware

Pune

November 8, 2022

Sanjay nanaware here, first of all I appreciate Star Health for your punctuality, service, conversation and I really thanks to Mr.Sanchin pathavnkar who has suggest star health policy.

Ritesh

Delhi

June 2, 2022

Star health insurance company is one of the most trusted brands and my experience has been good with the insurer.

Himanshu Gada

Delhi

May 25, 2022

Star is a good company. I have bought 2 plans from this company. One for myself, and another for my parents. I am happy with both the plan. Thank you PolicyX.com for helping me to find this gre...

samarth wadhwa

Guwahati

March 14, 2022

Star is one of the topmost insurance companies and they prove it with their services and plans. They have plans for each family member of mine starting from my parents to my own family and even...

rachana singh

Ahmedabad

February 24, 2022

I am star health s customers from last 5 months where i have got best customer service. They have a huge list of network hospitals which keeps me relaxed that i can get cashless treatment

paridhi

Hyderabad

February 17, 2022

No doubt that why people recommended me this company. They are loyal towards their customers and help them in every possible way.

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.

Confused? No Worries, We Are Here To Help!

Star Health Top-up Plans

Star Health Insurance Top-Up Plans

Key Benefits of Star Health Insurance Top-Up Plans

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

Choose Star Health Insurance Plan for

Star Health Insurance Top-Up Plan Inclusions

Star Health Insurance Top-Up Plan Exclusions

Explore Star Health Insurance

Explore Other Star Health Insurance Plans

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 Cardiac Care Policy (Pros)

Star Cardiac Care Policy (Cons)

Star Cardiac Care Policy (Other Benefits)

Star Cardiac Care 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 Cancer Care Gold (Pilot Product)

Star Special Care Policy (Pros)

Star Special Care Policy (Cons)

Star Special Care Policy (Other Benefits)

Star Special Care Policy (Eligibility Criteria)

Star Diabetes Safe Insurance Policy

Corona Kavach Policy

Corona Rakshak Policy

Star Health Insurance Network Hospital List

Delhi

Mumbai

Bengaluru

Chennai

Kolkata

Hyderabad

Pune

Ahmedabad

Jaipur

Lucknow

Health Insurance Articles

Niva Bupa Health Claim StatusMay, 2023

Care Health Insurance Policy and Claim StatusMay, 2023

ICICI Lombard Health Insurance Covered Diseases ListMarch, 2023

ManipalCigna Premium Payment ProcessMarch, 2023

Tata AIG Health Insurance Premium PaymentMarch, 2023

Health Insurance With No Waiting PeriodMarch, 2023

No Waiting Period In Maternity Insurance?March, 2023

Deadliest Diseases In IndiaMarch, 2023

Waiting Period in Health InsuranceDecember, 2022

Monkeypox Health InsuranceSeptember, 2022

How Does Health Insurance works in indiaSeptember, 2022

Dr YSR Aarogyasri SchemeJune, 2022

Star Health Insurance Covered Diseases ListJune, 2022

Copay in Health InsuranceMarch, 2022

Personal Accident InsuranceMarch, 2022

Health Insurance Premium in EMI InstallmentsMarch, 2022

Health Insurance Without Medical CheckupsMarch, 2022

GST on Health Insurance PremiumMarch, 2022

What is OPD Cover?March, 2022

Deductibles in Health Insurance in IndiaMarch, 2022

Important factors of Personal Accident InsuranceMarch, 2022

Fixed Benefit Health InsuranceMarch, 2022

Restoration and Recharge BenefitsMarch, 2022

Health Insurance for NRIsMarch, 2022

Government Health Insurance SchemesMarch, 2022

Save Taxes under Health Insurance PolicyMarch, 2022

What is the e-insurance account (e-IA)?March, 2022