Young Star Extra Protect Plan - Benefits & Premiums | PolicyX
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Young Star Extra Protect Policy

A health insurance plan designed especially for young individuals and ...Read More

Up to 1 Cr
Sum insured
1
No. of plans
850+
Pan India presence
99.06%
Claim settlement ratio
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🛡️ IRDAI Approved
⭐ 4.4/5 · 2,761 reviews
🏥 14,000+ hospitals
📊 2.21 solvency ratio
✅ 99.06% claim settlement

About Young Star Extra Protect Policy

A quick read on what this Star Health Insurance plan covers and why it might be a fit for you.

The Young Star Extra Protect add-on cover policy is designed to enhance the benefits of your existing Young Star insurance policy. It extends the limit of your treatment expenses, as specified in the prospectus's cover section. This policy offers additional benefits, provided your Young Star health insurance policy has a Sum Insured value of ₹10 Lakhs and above, as the Extra Protect on Young Star policy is not applicable or 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 key features of this plan.

Read on to understand the eligibility criteria, benefits, coverage specifications, and claim process of the Young Star Extra Protect add-on cover.

Plan at a glance

Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.

Entry age
91 days - 40 years
Plan type
Individual and Family Health Insurance
Sum insured options
₹10 L
Waiting period
30 days
Renewability
NA
Policy term
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.

Pros & cons

A quick honest summary — the strengths and the trade-offs.

Pros

  • Modern treatment coverage
  • Room rent extension
  • Base SI enhancement
  • Home care treatment

Cons

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

What's covered

Every CMS-driven coverage flag from the plan wording — only items with a published value render below.

Hospitalization

  • Room rent Covered
  • ICU charges Not covered
  • Pre-hospitalization Not covered
  • Post-hospitalization Not covered
  • Domiciliary hospitalization Covered
  • Day-care treatment Not covered
  • OPD charges Not covered
  • Covid-19 treatment Not covered
  • Cataract Not covered

Bonuses & restoration

  • No-claim bonus Not covered
  • Automatic restoration of SI Not covered
  • Daily hospital cash Not covered

Family & special care

  • Maternity cover Not covered
  • New-born baby cover Not covered
  • IVF treatment Not covered
  • AYUSH treatment Covered
  • Organ donor expenses Not covered

Modern & preventive care

  • Modern treatment Covered
  • Road ambulance Covered
  • Air ambulance Not covered
  • E-consultation Not covered
  • Health check-up Not covered
  • Second medical opinion Not covered
  • Vaccination Not covered

Conditions & global

  • Co-payment Not Applicable
  • Sub-limits Not Applicable
  • Compassionate travel Not covered
  • Global coverage Not covered

Benefits of Young Star Extra Protect Add-on Cover Policy

When purchasing an individual or family floater health plan, it is mandatory to purchase this add-on cover. Below are its benefits:

  • Claim Guard

    It provides cover for non-medical (consumable) expenses if specified 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 ₹5 Lakhs in a policy year. This criterion is only applicable to the homecare treatments scheduled under your base policy.

How to Claim Young Star Extra Protect Policy?

To avail of a claim settlement against the base policy with the Star Extra Protect plan, here are the guidelines you need to follow:

  • Inform your insurer about hospitalisation 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-authorised form that you can fill in with details like name, contact number, email, policy number, city, and product name, then click on the ‘Submit’ option.
  • In the case of cashless claim settlement (in network hospitals), 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 [email protected] with details like claim number/reference number and other claim-related queries.

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 Network Hospitals →

Inclusions & exclusions

What the plan pays for, and what it doesn't.

Exclusions

  • 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 specified 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.

Who can buy this plan

Eligibility criteria pulled straight from the policy wording.

  • Minor Entry Age: 91 days: 25 years
  • Adult Entry Age: 18: 40 years
  • Sum Insured: Base policy above ₹10 Lakhs
  • Waiting Period: As per the base policy

Other features & benefits

Why Choose Young Star Extra Protect?

Healthcare costs these days are skyrocketing. Therefore, buying health insurance add-on coverage is considered efficient and prudent to avoid any medical or financial burdens. The 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 email us at [email protected].

Young Star Extra Protect Plan: FAQs

The 5 most-asked questions about Young Star Extra Protect Policy, answered.

Since it’s an add-on cover that comes as an optional cover with the Young Star health insurance policy, you cannot buy this as a standalone plan.
These are some of the stand-out features of this plan: Enhanced room rent limit Claim guard Modern treatment limits enhancement Bonus guard
The minimum and maximum age limits for buying this policy are: For child: 91 days - 25 years For adults: 18 - 40 year
No, this plan is designed for youngsters, and the maximum age limit for buying this policy is up to 40 years.
Yes, AYUSH treatment of alternative treatment is covered under this plan

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Written and reviewed by

PolicyX content is researched in-house and reviewed by an IRDAI-certified insurance specialist before publication.

Written by Simran Nirala — Health & Term Insurance Reviewed by Anchita Bhattacharyya — Health, Term & Life Insurance
Last updated: 5 Jul 2024 · Originally published: 12 Sep 2024

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