Star top-up plans will protect your health in the event of a ...Read More
Star top-up plans will protect your health in the event of a medical emergency after you have exhausted the sum provided by your primary health insurance. ...Read Less
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Updated on Feb 02, 2026 4 min read
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.
Health Insurance Plans
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To understand Star Health Top-up Plans Insurance in detail, take a look at the below table:
Minimum: 91 Days to Maximum: 65 Years
Top Up and Super Top Up
5 L | 7 L | 10 L | 15 L | 20 L | 25 L | 50 L | 75 L | 1 Cr
30 Days
N/A
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.
Star Health insurance top-up plans are tailor-made to provide its customers with efficient coverage and instant claim settlement service.
All about Star Health Insurance and Plans
Star Health Insurance Plan Detailed Review
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.
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
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
To cater to the different medical needs of an individual & their family, Star Health Insurance 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 Star Health Insurance plans explore more:
Group Health Insurance
Star Health provides Group Arogya Sanjeevani and Star Group Health insurance. With Star group health plans, insured individuals have the freedom to ch...
Unique Features
Individual and Family Health Insurance
Star Health Insurance Company has launched one of the most revolutionary insurance plans - the Super Star Health Plan. It has the flexibility to custo...
Unique Features
Individual and Family Health Insurance
Star Health Assure Insurance Policy is a versatile 360-degree health insurance plan providing wide coverage for self, spouse, dependent children, pare...
Unique Features
Critical Illness Health Insurance
The burden of medical expenses for cancer treatment can be overwhelming leaving the individuals and their families under financial strain. Star Cancer...
Unique Features
Critical Illness Health Insurance
Cancer is a deadly and difficult disease to deal with, causing patients and their families to struggle emotionally, physically, and psychologically. C...
Unique Features
Top Up and Super Top Up
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 i...
Unique Features
Individual and Family Health Insurance
Star health special care is a unique plan providing indemnity cover to individuals diagnosed with Autism and it is an individual plan. Star health spe...
Unique Features
Critical Illness Health Insurance
Star Criticare Plus Policy falls under a dual benefit plan, as policyholders can get the coverage of health insurance and as well as critical illnesse...
Unique Features
Individual and Family Health Insurance
Most often health insurance plans inadequately cover OPD (out-patient department) expenses for an insurance holder, however, Star Outpatient Care is a...
Unique Features
Accident Health Insurance
Star Health Accident Policy provides optimal care and cover in case of any unfortunate accidents. Accidents are an uninvited inconvenience in any indi...
Unique Features
Individual and Family Health Insurance
Motherhood is a rewarding and fulfilling journey, it marks the start of a very important and exciting chapter in your life, but it also comes with its...
Unique Features
Critical Illness Health Insurance
It is good to be prepared by having a health insurance policy that will take care of the medical and other expenses in case of illness. But, then the ...
Unique Features
Individual and Family Health Insurance
Turning sixty is a major milestone for a person. It is time to become more careful about one's health. Any kind of illness can bring in a lot of anxie...
Unique Features
Individual and Family Health Insurance
Star Health Insurance plans for a family are a golden investment when it comes to securing the future of your loved ones. Star family plans are design...
Unique Features
Senior Citizen Health Insurance
Star Health Insurance for Senior Citizens is exclusively designed for senior citizens who want to meet high medical costs by paying a yearly premium....
Unique Features
Individual and Family Health Insurance
Star Health Gain Insurance Policy offered by Star Health is a medical insurance policy which is designed specifically to provide the best possible med...
Unique Features
Individual and Family Health Insurance
Star Health Arogya Sanjeevani is a Health Insurance that safeguards you and your family from the financial burden and stress during hospitalization. A...
Unique Features
Individual and Family Health Insurance
Young Star Insurance Policy is tailor-made for youngsters up to 40 years. This plan is available on an individual and family floater basis with two va...
Unique Features
Critical Illness Health Insurance
Star Health has introduced Star Novel Coronavirus (nCoV) (COVID-19) Insurance policy. The policy provides coverage for the expenses incurred during th...
Unique Features
Senior Citizen Health Insurance
Perfect plan to secure your old age from medical expenses. Star Senior Citizens Red Carpet Health Insurance Plan is designed to cater to the healthcar...
Unique Features
Individual and Family Health Insurance
A supersaver policy covering every family member. Star Family Health Optima is a strategically priced family health insurance plan. It offers comprehe...
Unique Features
Individual and Family Health Insurance
Star micro rural and farmers care is an individual and family floater plan with a sum insured of 1L and 2L respectively for individual and family floa...
Unique Features
Critical Illness Health Insurance
Medical insurance designed specially for heart patients. Star Health Cardiac Care Health Insurance plan is the perfect medical policy for individuals ...
Unique Features
Top Up and Super Top Up
A top-up plan for added coverage at affordable costs Star Super Surplus Insurance Policy is a top-up health insurance plan offering surplus coverage a...
Unique Features
Individual and Family Health Insurance
Young Star Extra Protect add-on cover policy is applicable for the Young Star insurance policy and acts as an enhancer for the benefits of the base in...
Unique Features
Individual and Family Health Insurance
Gift yourself the Star Women Care Insurance Policy, because we all know your responsibilities are endless and you need the best health to face them wi...
Unique Features
Individual and Family Health Insurance
Medi classic insurance policy provides cover for hospitalization expenses incurred as a result of illness/disease/sickness and/or accidental injuries ...
Unique Features
Individual and Family Health Insurance
Get comprehensive coverage at affordable premiums. Star Comprehensive insurance policy is a complete health insurance plan that looks after all the he...
Unique Features
Individual and Family Health Insurance
Star Smart Health Pro policy is a newly launched digital plan by Star Health Insurance for customers who want a truly customizable health insurance pl...
Unique Features
Top Up and Super Top Up
Star Extra Protect insurance plan is an add-on cover under Star Health Insurance that enhances the limitations imposed on your existing base policy. Y...
Unique Features
Individual and Family Health Insurance
A unique health insurance plan designed by Star Health Insurance to provide medical coverage to individuals with disabilities and HIV/AIDS. Star Speci...
Unique Features
Critical Illness Health Insurance
Ms. Aneesha, a 53-year-old working woman residing in Indore requires heart transplant surgery due to multiple cardiac ailments. However, since Ms. Ane...
Unique Features
Individual and Family Health Insurance
Star Hospital Cash Insurance Policy is designed to provide insured individuals with additional protection and takes care of incidental expenses such a...
Unique Features
Critical Illness Health Insurance
Star Critical Illness Multipay Insurance Policy is designed to cater to individuals by providing them with a lump sum coverage on the diagnosis of any...
Unique Features
Critical Illness Health Insurance
Star Cancer Care Platinum Insurance Policy is designed to cater to cancer patients. The plan helps the insured individual's family to be financially p...
Unique Features
Senior Citizen Health Insurance
Star Health Premier Insurance Policy is a unique health plan designed to cover individuals who are 50 years and above with no maximum entry age limit....
Unique Features
Critical Illness Health Insurance
Star Health Diabetes Safe Health Insurance Plan is a unique plan designed to offer coverage to individuals with diabetes both Type 1 and type 2. The p...
Unique Features
PolicyX.com premium calculator offers premium comparison for some of the best health plans in India. You can input your details and check out some of the most suitable health insurance policies for your specific requirements. This is the easiest, most efficient, spam and gimmick-free way to buy health insurance today.
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.
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February 5, 2023
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