Who Should Consider Star Health Young Star Insurance?
If you are above 40, have specific medical needs, or are looking for extensive OPD or specialised coverage, compare other health insurance plans before making a decision. Star Health Young Star Insurance Policy is suitable for:
- Young professionals buying health insurance for the first time.
- Individuals aged 18 to 40 looking for individual health coverage.
- Young couples who want to cover themselves under a family floater.
- People who want lifelong renewability and wellness-based benefits.
- Individuals looking for higher sum insured options as their healthcare needs grow.
Key Benefits of Star Young Star Plan
With a host of benefits, the Star Health Insurance Young Star Plan ensures to look after your healthcare needs. Here are some key benefits of the plan:
Mid-Term Inclusion
By paying an additional premium, the Star Health Young Star Policy allows policyholders to include additional family members such as a newly wedded spouse, a newborn child, or a legally adopted child. The insurance provider must be intimated about this within 45 days (90 days for a newborn child) from the date of occurrence.
Increase in Sum Insured for Road Traffic Accidents
If the insured individual is hospitalised due to a road traffic accident, they will receive a 25% increase in their basic Sum Insured, capped at ₹10 Lakhs.
Star Wellness Program
Under this program, policyholders are rewarded for leading a healthy lifestyle with discounted premiums based on the wellness points earned. The table below highlights the applicable discounts:
| Wellness Points |
200-350 |
351-600 |
601-750 |
751-1000 |
| Discounts |
2% |
5% |
7% |
10% |
Exclusions
- Pre-existing diseases during the applicable waiting period.
- Specified diseases and procedures during the applicable waiting period.
- Treatment during the initial 30-day waiting period, except for accidents.
- Infertility and in-vitro fertilisation treatment.
- Cosmetic or plastic surgery, unless covered under applicable policy conditions.
- Treatment related to obesity, where excluded under the policy.
- Treatment related to gender change.
- Certain expenses related to alcohol or drug abuse.
- Treatment arising from intentional self-injury.
- Other exclusions specified in the policy wording.
Young Star Premium Illustration
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 Sum Insured (SI) amounts and a 1-year policy term.
Young Star Silver Plan
| Sum Insured options (in Rs.) |
Sample Annual Premium (1 Adult) |
Sample Annual Premium (2 Adults) |
| 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 |
Star Health Young Star Silver vs Gold
Young Star Insurance is available in two variants, Silver and Gold. The right option depends on the level of coverage and benefits you need.
| Feature |
Silver Plan |
Gold Plan |
| Plan type |
Individual/Family Floater |
Individual/Family Floater |
| Hospitalisation |
Covered |
Covered |
| Pre-hospitalisation |
Covered |
Covered |
| Post-hospitalisation |
Covered |
Covered |
| Room rent |
Covered as per policy terms |
Covered as per policy terms |
| Maternity benefits |
Check applicable policy terms |
Available, subject to applicable waiting period and limits |
| Premium |
Generally lower |
Generally higher |
| Best suited for |
Those looking for essential health coverage |
Those looking for wider benefits |
*Check the latest policy wording for the exact coverage, limits, waiting periods, and exclusions before choosing between Silver and Gold.
Waiting Periods Under Young Star Insurance
Before buying the policy, check the waiting periods because some treatments may not be covered immediately after the policy starts.
- Initial waiting period: 30 days, except for treatment required due to an accident.
- Pre-existing diseases: 12 months.
- Specific diseases and procedures: 12 months.
- Maternity: A 36-month waiting period applies under the Gold Variant.
Conclusion
Star Health Young Star Insurance can be a useful option for young people and families who want financial support during medical emergencies. It offers benefits such as hospitalisation cover and lifelong renewal. Before buying, check the premium, waiting periods, exclusions, and coverage limits. Compare the Silver and Gold options and choose a plan that suits your needs and budget.
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