Star Health Top-up Plans
  • High Sum Insured
  • Recharge Benefit
  • Wellness Benefit
premium

Network hospitals

14000+

premium

Claim settlement ratio

99.06%

premium

Sum insured

2 CR

premium

No. of Plans

21

premium

Solvency Ratio

1.7

premium

Pan India Presence

815

Customized Health Insurance Plan for you.

Get upto 15% Online Discount*

Select Members You Want To Insure

Age of Eldest Member

premium

Network hospitals

14000+

premium

Claim settlement ratio

99.06%

premium

Sum insured

2 CR

premium

No. of Plans

21

premium

Solvency Ratio

1.7

premium

Pan India Presence

815

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.

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Star Health Insurance Plan Detailed Review

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All about Star Health Insurance and Plans

All about Star Health Insurance and 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 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 ยท 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 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:

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

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 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

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

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 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.

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

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Kartik Mehta

Guwahati

October 6, 2023

I m a loyal customer of Star Health Insurance through Policyx.com. Their service is consistently excellent.

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Karishma Sharma

Chandigarh

October 6, 2023

The peace of mind that comes with Star Health Insurance is priceless. Policyx.com helped me make the right choice.

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Kajal Verma

Meerut

October 6, 2023

I ve had a few claims with Star Health Insurance, and the process was smooth thanks to Policyx.com s guidance.

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Juhi Desai

Allahabad

October 6, 2023

Policyx.com s team patiently explained the terms and conditions of Star Health Insurance, ensuring I was well-informed.

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Ishaan Chawla

Mumbai

October 6, 2023

I was pleasantly surprised by the affordable premiums for Star Health Insurance through Policyx.com. Great value for money!

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Indira Rana

Mumbai

October 6, 2023

Star Health Insurance has been a lifesaver for my family, and Policyx.com made the enrollment process a breeze.

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Hitesh Patel

Chennai

October 6, 2023

I had a great experience purchasing Star Health Insurance through Policyx.com. It was quick and hassle-free.

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Geeta Nair

Bhopal

October 6, 2023

Policyx.com s comparison tool is a game-changer. I found the perfect Star Health Insurance policy that fits my needs.

View All Star Health Insurance Reviews

Naval Goel

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.