Network hospitals
14000+
Incurred claim ratio
65%
Sum insured
Up to 1 Cr
No. of Plans
1
Solvency Ratio
2.0
Pan India Presence
850+
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 variants i.e. Young Star silver plan and Young Star gold plan. Young Star Insurance policy covers medical expenses, Road Traffic Accidents (RTA), etc., and offers several benefits like incentive-oriented wellness programs, annual health checkups, daily hospital allowance, renewal discounts, and much more.
Star Health Insurance Young Star plan offers wide coverage with affordable premiums. Along with this, one can easily renew their policy as the company offers the guaranteed lifelong renewal feature. The policyholder can choose between a gold plan and a silver plan depending on their needs. With Young Star Insurance Policy, one also has the flexibility of paying the premium monthly, quarterly, half-yearly, annually, biennially (once every two years), or triennially (once every three years)
To understand Young Star Policy Insurance in detail, take a look at the below table:
18 Years to 40 Years
Individual and Family Health Insurance
3L | 5L | 1cr
30 Days
Lifelong
upto 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.
Read more specifications in the brochure.
With wide coverage options available, Young Star Policy Insurance Plan allows you to choose your ideal coverage as per your family’s health requirements. Take a look at the coverage under every SI option available and choose your ideal coverage:
Room Rent
Covered
ICU Charges
Covered
Pre-Hospitalization
Covered
Post-Hospitalization
Covered
Domiciliary Hospitalization
Not Covered
Daycare Treatment
Covered
OPD Charges
Not Covered
COVID-19 Treatment
Covered
Cataract
Not Covered
No Claim Bonus
Covered
Automatic Restoration
Covered
Daily Hospital Cash
Covered
Organ Donor
Not Covered
Maternity Cover
Covered
New Born Baby Cover
Covered
AYUSH Treatment
Covered
IVF Treatment
Not Covered
Modern Treatment
Covered
Ambulance
Covered
Air Ambulance
Not Covered
Compassionate Travel
Not Covered
Global Coverage
Not Covered
E-Consultation
Covered
Health Check-Up
Covered
Second Medical Opinion
Not Covered
Vaccination
Not Covered
Co-payment
Covered
Sub-limits
Covered
The room rent limit is the maximum bed charge you can claim if you are hospitalised. Common Room categories covered under room rent are all kinds of rooms including single, private and AC rooms (except suite).
It is a special hospital department where patients with serious medical conditions are treated.
Medical expenses incurred before hospitalisation of the policyholder.
Medical expenses incurred after the discharge of the policyholder from the hospital.
Domiciliary hospitalization or home care treatments are the arrangements for an insured individual due to the unavailability of medical amenities in hospitals, or in a case where an insured member can not be admitted to the hospital due to an inability. The treatment should last equal to or more than 72 hours to get financial coverage.
Treatments that can be completed within 24 hours of hospitalization like blood dialysis, cataracts, etc.
Covers the cost of doctor consultations and prescribed medical tests that may not require hospitalization. .
It includes the treatment cost for COVID-19 with a confirmative diagnosis from a government-approved centre.
A common eye condition in which your vision gets blurred due to cloudy formation in your eyes.
For every claim-free year, insurance companies reward policyholders with an increase in the sum insured amount as a no-claim bonus or cumulative bonus on policy renewal. However, in the case of a claim, this bonus amount either lapses or is reduced by a certain percentage varying from one plan to the other.
It is a benefit in which an insurance company restores the amount of sum insured completely or up to a certain percentage after it gets fully exhausted in treatments. This restoration amount may vary from one plan to the other.
Daily hospital cash or Hospicash is a cash amount that you receive each day during the time of hospitalization to cover your non-medical expenses.
It is a cover that includes the cost of the procedure for removing the damaged or malfunctioning organs from the body. In most of the cases, the insurer pays for the hospitalization and transplant expenses for both the parties i.e. the donor and the receiver.
It refers to the cover that includes expenses for normal and c-section deliveries.
It takes care of the medical expenses that arise due to the hospitalisation of the newborn baby in case of any childbirth complications, medical challenges, and so on. Some of the common treatments that are covered under the newborn cover and these common treatments can vary from plan to plan:
Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.
In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are settled or reimbursed for:
Medical treatments that demand the use of modern technology and advanced machinery such as robotic surgeries, stem cell therapy, etc.
An ambulance is used to move the patient from home to the hospital, transfer them to another hospital, and take them for different tests outside the hospital.
Air ambulances are specially prepared planes that transfer the patient from one place to another in case of a health emergency.
Refers to the travelling expenses of a family member who’s visiting the hospital to look after the patient when the policyholder gets admitted to a hospital outside his/her residential city.
Any kind of medical/health emergency when you are outside of India is covered for hospitalization expenses, modern and specific treatments, etc.
If a policy offers e-consultation it allows policyholders to connect with a doctor for medical consultation through video chat, audio call, or chatbot.
A facility where the policyholder can avail of free health check-ups after fulfilling the company's eligibility criteria. In most cases, the insured member/s gets an annual health check-up cover.
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 against the expenses incurred on vaccinations of either the newborn baby, for an animal bite, etc is provided by the insurance companies.
In the co-payment clause, policyholders have to pay a preset amount (either compulsorily or voluntarily) of the hospitalisation expense on their own and the insurer will pay the rest of the medical bill amount.
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. For instance, if your policy covers room rent for upto 20% of the sum insured, but the expense of the same is more than 25%, you will have to pay the rest amount, i.e. 5%, for your room rent.
With host of benefits, Star Health Insurance Young Star Plan ensures to look after your every healthcare needs. Take a look at some of the below-mentioned benefits of the plan:
Wellness Points | 200-350 | 351-600 | 601-750 | 751-1000 |
Discounts | 2% | 5% | 7% | 10% |
Star Health Insurance Plan Detailed Review
All about Star Health Insurance and Plans
Young Star Health Insurance Policy
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.
To give you an estimation of the premium amounts you would pay under this plan, we have presented a premium illustration for both Silver and Gold variants based on different SI amounts and 1 year policy term.
Young Star Silver Plan
Sum Insured options (in Rs.) | Sample Annual Premium (1A) | Sample Annual Premium (2A) |
3 Lakhs | 3,941 | NA |
10 Lakhs | 7,133 | 11,470 |
25 Lakhs | 11,328 | 17,983 |
50 Lakhs | 13,482 | 21,423 |
1 Crore | 16,898 | 26,898 |
Young Star Gold Plan
Sum Insured options (in Rs.) | Individual | Family Floater (2 Adults) |
3 Lakhs | 5,198 | NA |
10 Lakhs | 8,390 | 12,479 |
25 Lakhs | 12,591 | 18,992 |
50 Lakhs | 14,738 | 22,432 |
1 Crore | 18,160 | 27,907 |
Permanent diseases or health conditions that are not included under the Young Star policy:
Expenses related to the surgical treatment of obesity
Expenses related to change-in-gender related treatment
Expenses for cosmetic or plastic surgery
Infertility and in vitro fertilization
Certain diseases and treatments are covered under this plan after a certain time period. Read the details below:
Listed ailments after 12 Months
Pre-existing diseases after 12 Months
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:
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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...
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Top Up and Super Top Up
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Medi classic insurance policy provides cover for hospitalization expenses incurred as a result of illness/disease/sickness and/or accidental injuries ...
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Top Up and Super Top Up
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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...
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Under Young Star Health plan, the policyholder will get the benefit of 25% increase in the Sum Insured subject to a maximum of 10 Lakhs in case insured person meets with a Road Traffic Accident resulting in in-patient hospitalization.
Under Young Star, one can pay their premium Quarterly, Half-yearly, Annually, Biennial, Triennial.
If an individual avails of this policy prior to turning 36 years, and continues to renew the policy till the age of 40, the insured is liable to receive a discount of 10%* on the premiums applicable on subsequent renewals.
Young Star offers the portability option to switch from star health to any other health insurance company by applying 30 days before the current policy expires.
When the sum insured and restoration benefit of your Young Star Health Insurance policy is exhausted then it will immediately terminate.
Yes, there are 15 days of the free-look period from the date of receipt of the policy to review the terms & conditions of the policy. You can return the policy in between these 15 days. This free-look period is only applicable on new health insurance policies.
Young Star Plan allows you to make unlimited claims, provided your sum insured limit is not exhausted. If you have exhausted the limit of your plan, then you cannot make any other claims.
No, the plan does not offer coverage against maternity expenses.
The young Star plan by Star Health Insurance company is designed for individuals aged between 18 and 40 years who want financial protection from medical emergencies.
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Naval Goel is the Founder and CEO of PolicyX.com (IRDA- Approved Insurance Comparison Website). He is a CFA charter holder (USA) and FRM (GARP). He holds an MBA from IIFT, Delhi, and is also an Associate from the Insurance Institute of India. Naval is an avid investor and entrepreneur who has a deep understanding of the Indian equity market and insurance sector. He has been investing for more than 10 years now and is a CFA charter holder.
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February 5, 2023
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