ChatGPT
Claude
Perplexity
Young Star Health Insurance Policy
Star Health Insurance
Young Star Policy
The Young Star Insurance Policy is tailor-made for individuals up to 4 ...Read More
Up to 1 Cr
Sum insured
1
No. of plans
850+
Pan India presence
99.06%
Claim settlement ratio
🛡️ IRDAI Approved
⭐ 4.4/5 · 2,756 reviews
🏥 14,000+ hospitals
📊 2.21 solvency ratio
✅ 99.06% claim settlement
About Young Star Policy
A quick read on what this Star Health Insurance plan covers and why it might be a fit for you.
The Young Star Insurance Policy is tailor-made for individuals up to 40 years of age. This plan is available on an individual and family floater basis, with two variants: the Young Star Silver Plan and the Young Star Gold Plan.
The Young Star Insurance Policy covers medical expenses, Road Traffic Accidents (RTA), and offers several benefits such as incentive-oriented wellness programs, annual health checkups, daily hospital allowance, and renewal discounts.
The Star Health Insurance Young Star Plan provides comprehensive coverage with affordable premiums. Policyholders can easily renew their policy due to the guaranteed lifelong renewal feature. You can choose between the Gold Plan and Silver Plan based on your needs. The Young Star Insurance Policy also offers flexible premium payment options: monthly, quarterly, half-yearly, annually, biennially (once every two years), or triennially (once every three years).
Plan at a glance
Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.
Entry age
18 Years to 40 Years
Plan type
Individual and Family Health Insurance
Sum insured options
₹3 L, ₹5 L, ₹1 L
Waiting period
30 days
Renewability
Lifelong
Policy term
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.
Pros & cons
A quick honest summary — the strengths and the trade-offs.
Pros
- <ul> <li>Mid-term inclusion</li> <li>10% discount on early purchase</li> <li>Star Wellness Program</li> <li>Flexible Premium Payment</li> <li>Two plan variants (Silver and Gold)</li> </ul>
Cons
- <ul> <li>Pre-existing disease (PED) waiting period</li> <li>Obesity treatment not covered</li> <li>Hazardous activities not covered</li> <li>HIV/AIDS not covered</li> <li>Cosmetic surgery not covered</li> </ul>
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 Covered
- Pre-hospitalization Covered
- Post-hospitalization Covered
- Domiciliary hospitalization Not covered
- Day-care treatment Covered
- OPD charges Not covered
- Covid-19 treatment Covered
- Cataract Not covered
Bonuses & restoration
- No-claim bonus Covered
- Automatic restoration of SI Covered
- Daily hospital cash Covered
Family & special care
- Maternity cover Covered
- New-born baby cover 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 Covered
- Health check-up Covered
- Second medical opinion Not covered
- Vaccination Not covered
Conditions & global
- Co-payment Covered
- Sub-limits Covered
- Compassionate travel Not covered
- Global coverage Not covered
Video reviews
Walkthroughs from the PolicyX team — pros, cons, real claim experiences and who should buy.
All about Star Health Insurance and Plans
Star Health Insurance Plan Detailed Review
Star Young Star Benefits
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 hospitalized 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%
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.
Inclusions & exclusions
What the plan pays for, and what it doesn't.
Exclusions
- Expenses related to the surgical treatment of obesity
- Expenses related to gender change treatment
- Expenses for cosmetic or plastic surgery
- Infertility and in vitro fertilization
- Listed ailments after 12 Months
- Pre-existing diseases after 12 Months
Who can buy this plan
Eligibility criteria pulled straight from the policy wording.
- Minimum Entry Age: 18 Years
- Maximum Entry Age: 40 Years
- Sum Insured (SI): ₹3 Lakhs to ₹1 Crore
- Initial Waiting Period: 30 Days
Other features & benefits
- <ul> <li>Hospital Cash Benefit</li> <li>Lifelong Renewal</li> <li>E-opinion</li> <li>No-claim bonus</li> <li>Automatic Restoration</li> </ul>
Young Star Plan: FAQs
The 9 most-asked questions about Young Star Policy, answered.
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.
Explore Star Health Insurance
Star Health Free Health Check-Up
Star Health Insurance Premium Calculator
Star Health Policy Download
Star Health Claim Settlement Ratio
Renewal of Star Health Insurance
Star Health Insurance Customer Care
Star Health Incurred Claim Ratio
Star Health Policy Cancellation
Star Health Insurance Claims
Health Insurance Articles
Is a Fractured Leg Covered by Health Insurance?
How Senior Citizens Can Get Health Insurance Tax Benefits u/s 80D
How Air Pollution Is Silently Causing 10 Health Diseases
Eye Conditions Actually Covered Under Health Insurance in India
Claim Settlement Ratio of Health Insurance Companies 2026
Health Insurance for Cancer
See More Health Insurance Articles
Health Insurance Premium Calculator
PolicyX.com premium calculator offers premium comparison for some of the best health plans in India. Input your details and find the most suitable health insurance policies for your requirements.
Written and reviewed by
PolicyX content is researched in-house and reviewed by an IRDAI-certified insurance specialist before publication.
Compare Health Insurance Plans
Select a company and plan for each side to see a detailed side-by-side comparison.
Other Health Insurance Companies
Share your Valuable Feedback
Rated by 2,694 customers
Was the Information Helpful?
Select Your Rating
We would like to hear from you
Let us know about your experience or any feedback that might help us serve you better in future.
Do you have any thoughts you'd like to share?