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 insurance policy. It extends the limit of your treatment expenses, specified in the prospectus's cover section. The Young Star Extra Protect policy also offers differentiating benefits, given that your Young Star health insurance policy has a sum insured value of up to INR 10 lakhs and above as Extra Protect on Young Star policy is not applicable/valid below this limit.
AYUSH treatment cover (excluding Yoga and Naturopathy), home care treatment, claim and bonus guard, room rent limit enhancer, and modern treatment benefits are the stand-out features of this plan.
Read further the eligibility criteria, benefits, coverage specifications, and claim process of Young Star Extra Protect add-on cover.
Eligibility criteria for Young Star Extra Protect policy
Check below if you are eligible to buy the Young Star Extra Protect add-on cover policy:
Child Entry Age
91 days - 25 years (a/c base policy)
Adult Entry Age
18 - 40 years (a/c base policy)
Plan Type
Individual/Family floater
Policy Term
1/2/3 years
Sum Insured
As per the base SI; equal/above INR 10 Lakhs
Initial Waiting Period*
As per the base policy
*The Initial Waiting Period is the 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.
To know more about the plan read the brochure provided below:
Benefits of Young Star Extra Protect add-on cover policy
On purchasing an individual or family floater-based health plan, it is mandatory to purchase this add-on cover. Below are the benefits of buying it:
Claim guard
It provides cover for non-medical (consumable) expenses if the specifications are mentioned in your base policy.
Enhanced room rent limit
The room rent limit, nursing, and boarding expenses are increased with this add-on cover to provide you with maximum hospitalisation benefits.
Modern treatment
The cover will enhance your modern treatment expenses limit above the specified limit up to the sum insured according to the base policy’s modern treatment cover. The sub-limits described above apply to this cover.
Bonus guard
It protects the cumulative bonus from reduction due to partial/full exhaustion of the base policy’s basic sum insured. This feature allows you to avail an extended sum insured benefit in the next policy year.
Home-care treatment
Any specified or listed treatment done under home care is subject to a maximum of 10% of the base SI or up to INR 5 Lakhs in a policy year. This criterion is only applicable to the homecare treatments scheduled under your base policy.
Cumulativе Bonus
WAll the premiums paid towards the Young Star Extra Protect policy are eligible for tax benefits under Section 80D of the Income Tax Act 1961, depending on the tax relief under your base health policy.
Specifications of the Young Star Extra Protect plan
Here are the coverage benefits of the add-on plan Young Star Extra Protect:
In-patient & Out-patient coverage
Room Rent
Covered
ICU Charges
Covered
Pre-Hospitalization
Covered
Post-Hospitalization
Covered
Domiciliary Hospitalization
Covered
Daycare Treatment
Not Covered
OPD Charges
Not Covered
Coverage Terms
COVID-19 Treatment
Not Covered
Cataract
N/A
No Claim Bonus
Available
Automatic Restoration
Available (as per base policy)
Daily Hospital Cash
Available (as per base policy)
Organ Donor
N/A
Maternity Cover
N/A
New Born Baby Cover
N/A
Alternative Treatments
AYUSH Treatment
Covered
IVF Treatment
Not Available
Modern Treatment
Covered
Emergency Coverage
Ambulance
Available
Air Ambulance
Not Covered
Compassionate Travel
Not Covered
Global Coverage
Not Covered
Wellness Programmes
E-Consultation
Not Covered
Health Check-Up
Covered
Second Medical Opinion
Not Available
Vaccination
Not Available
Limitations
Co-payment
Applicable
Sub-limits
Available
What is Room Rent?
The room rent limit is the maximum amount of bed charge that you can claim if you are hospitalized.
Common room categories covered under room rent are:
Private Single AC Room
Twin Sharing
General Ward
Coverage status under Young Star Extra Protect Add-on Cover
Covered
What are ICU Charges?
The Intensive Care Unit (ICU) is a hospital special department where patients with severe medical conditions are treated.
Coverage status under Young Star Extra Protect Add-on Cover
Covered
What is Pre Hospitalization?
Medical expenses incurred before the hospitalization of the policyholder.
Coverage status under Young Star Extra Protect Add-on Cover
Covered up to SI (up to 30 days before hospitalisation)
What is Post Hospitalization?
Medical expenses incurred after the discharge of the policyholder from the hospital.
Coverage status under Young Star Extra Protect Add-on Cover
Covered up to SI (up to 60 days after hospitalisation)
What is Domiciliary Hospitalization?
Home hospitalization arrangement for the insured person due to unavailability of medical amenities in hospitals. The treatment should last equal to or more than 72 hrs to get financial coverage.
Coverage status under Young Star Extra Protect Add-on Cover
Covered
What is Daycare Treatment?
Treatments that can be treated in less than 24 hours of hospitalization like blood dialysis, cataract, etc.
Coverage status under Young Star Extra Protect Add-on Cover
Not covered
What are OPD charges?
Covers the cost of doctor consultation and prescribed medical tests that may not require hospitalization.
Coverage status under Young Star Extra Protect Add-on Cover
Not covered
What is COVID-19 Treatment?
COVID-19 treatment includes the cost of treatment for COVID-19 with a confirmative diagnosis from Govt. an approved center.
Coverage status under Young Star Extra Protect Add-on Cover
Not covered
What is Cataract Treatment?
A common eye condition in which your vision gets blurred.
Coverage status under Young Star Extra Protect Add-on Cover
Not Covered
What is a No-Claim Bonus?
For every claim-free year, insurance companies reward policyholders with an increase in the Sum Insured amount as a no-claim bonus on policy renewal. However, in the case of a claim, this bonus amount either lapses or is reduced by a certain percentage that varies from plan to plan.
Coverage status under Young Star Extra Protect Add-on Cover
Available.
What is Automatic Restoration?
Automatic restoration is a benefit in which an insurance company restores the sum insured amount completely or up to a certain percentage after it gets fully exhausted in treatments. This restoration amount may vary from plan to plan.
Coverage status under Young Star Extra Protect Add-on Cover
Available as per the base policy
What is Daily Hospital Cash?
It is a cash amount that you receive each day during the time of hospitalization.
Coverage status under Young Star Extra Protect Add-on Cover
Available as per the base policy
What is an Organ Donor Cover?
It is a cover that includes the cost of the procedure for removing the damaged or malfunctioning organs from the body.
Coverage status under Young Star Extra Protect Add-on Cover
Not covered
What is a Maternity Cover?
It refers to the cover that includes expenses for normal and c-section procedures deliveries.
Coverage status under Young Star Extra Protect Add-on Cover
Not covered
What is a New Born Baby Cover?
It takes care of the medical expenses that arise due to the hospitalization of the newborn baby in case of unforeseen circumstances. Some of the common treatments that are covered under the newborn cover are listed below and these common treatments can vary from plan to plan:
Congenital anomaly (conditions since birth)
Acute condition
Chronic condition
Premature delivery
Birth asphyxia
Day care treatment
Coverage status under Young Star Extra Protect Add-on Cover
Not covered
What is AYUSH Treatment?
Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.
Coverage status under Young Star Extra Protect Add-on Cover
Covered (excluding yoga and naturopathy)
What is IVF Treatment?
In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are for:
Full infertility
No fertility
Infertility diagnosis
Infertility diagnosis and limited fertility treatment
Medication (which may or may not include fertility drug prescriptions)
Coverage status under Young Star Extra Protect Add-on Cover
Not covered
What is a Modern Treatment?
Medical treatments that demand modern technology such as robotic surgeries, stem cell therapy, etc.
Coverage status under Young Star Extra Protect Add-on Cover
Covered up to the sum insured
What is an Ambulance Cover?
An ambulance is used to move the patient from home to hospital, transfer to another hospital, and take them for different tests outside the hospitals.
Coverage status under Young Star Extra Protect Add-on Cover
Covered as per base policy specification (non-medical expenses)
What is an Air Ambulance?
Air ambulances are specially prepared planes that transfer the patient from one place to another in case of a health emergency.
Coverage status under Young Star Extra Protect Add-on Cover
Not covered
What is Compassionate Travel?
Refers to the traveling expenses of a family member of the insured person in case the policyholders get admitted to a hospital outside his/her residential city.
Coverage status under Young Star Extra Protect Add-on Cover
Not Applicable
What is Global Coverage?
Any kind of medical/health emergency when you are outside of India.
Coverage status under Young Star Extra Protect Add-on Cover
Not Covered
What is E-Consultation?
If a policy offers E-consultation it allows policyholders to connect with a doctor for medical consultation through video chat, audio call, or chatbot.
Coverage status under Young Star Extra Protect Add-on Cover
Unlimited consultation (online) covered
What is a Health Checkup?
A facility where the policyholder can avail free health check-ups after fulfilling the company's policies.
Coverage status under Young Star Extra Protect Add-on Cover
Covered as per the base policy.
What is a Second Medical Opinion?
If the policyholder wants, they may opt for a second medical opinion wherein the policyholder can consult another doctor within the company’s network of medical practitioners.
Coverage status under Young Star Extra Protect Add-on Cover
Not Covered
What is Vaccination cover?
Coverage against the expenses incurred on vaccinations is provided by the insurance companies.
Coverage status under Young Star Extra Protect Add-on Cover
Not covered
What is Co-payment?
In the co-payment clause, policyholders have to pay a portion of the hospitalization expense on their own and the insurer will pay the rest of the amount.
Coverage status under Young Star Extra Protect Add-on Cover
Applicable as per the specifications of the base policy
What is the Sub limit?
Sub limit is a condition in which the insurer will have to pay the medical expense up to a certain percentage and the remaining amount will have to be paid by the policyholder.
Coverage status under Young Star Extra Protect Add-on Cover
Applicable for specified modern treatment covers under the base policy
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.
What is not Covered (Exclusions) Under Young Star Extra Protect Add-On Cover
This add-on cover protects you with enhanced and extended healthcare benefits. However, it comes with a set of exclusions as per the exclusions of your Star Young health insurance. Read below what is not covered by the add-on cover Young Star Extra Protect policy:
Infertility/sterility, IVF treatment
Treatment of ENT, thyroid, varicose veins, piles, hernia, etc
Obesity/weight management
Change of gender treatment
Cosmetic/beauty/plastic surgery
Alcoholism or drug abuse
Specified illness and pre-existing diseases (unless said in the base policy)
Breach of law/unlawful activity
Investigation & evaluation
Refractive error
Maternity and newborn expenses in any form
Hazardous activity/adventure sports, etc
Others, as per the specifications of your base policy- Young Star insurance policy.
How to Claim Young Star Extra Protect Policy?
To avail of a claim settlement against the base policy over the Star Extra Protect plan, here are the guidelines you’ve to follow:
Inform your insurer about getting hospitalised at least 24 hours before getting admitted. Visit the official website of Star Health Insurance.
Click on the ‘Claim’ button on the header of the official website, followed by ‘Claim Intimation.’
For claim intimation, the official website has a pre-authorized form that you can fill in with details like name, contact number, email, policy number, city, and product name and click on the ‘Submit’ option.
In the case of cashless claim settlement (in networking hospitals), the medical bills will be settled directly with the hospital. In case of reimbursement, pay medical bills on your own, the insurer will reimburse your claim amount after verification of the claim's legitimacy.
You can reach out to your insurer on the toll-free number 044 4002 0888 or 1800 425 2255 or email support@starhealth.in the details like claim number/reference number and other claim-related queries.
The Storyline
There’s no doubt, that healthcare costs these days are over the roof! So, buying health insurance add-on coverage is considered efficient and more diligent to avoid any medical or financial discrepancies. Young Star Extra Protect add-on cover enhances the limit of your base policy (Young Star health insurance policy) with additional features, and safeguards you from losing your hard-earned savings.
If you have any queries about the Young Star Extra Protect policy, call us at 1800 4200 269 or slide into the email box at helpdesk@policyx.com.
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:
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.
A standard health plan mandated by IRDAI that covers all essential healthcare benefits including Ayush treatment, day care procedures, etc. for individuals and families.
Provides reimbursement of hospitalization expenses and also provides a total amount of sum insured if the insured person is diagnosed with a major illness.
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.
A critical illness policy providing lump sum benefit on diagnosis of Critical illnesses related to Cancer, Heart, Brain & Nervous System, and Major Organs.
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Simran has an experience of 3 years in insurance content writing. She transitioned from hospitality to the insurance industry after her emerging interest in how vast insurance is. With her ability to write complex insurance concepts in a simple, relatable manner she keeps her audience hooked and solves their doubts smoothly.
