Network hospitals
14000+
Claim settlement ratio
99.06%
Sum insured
2 CR
No. of Plans
21
Solvency Ratio
1.7
Pan India Presence
815
Network hospitals
14000+
Claim settlement ratio
99.06%
Sum insured
2 CR
No. of Plans
21
Solvency Ratio
1.7
Pan India Presence
815
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)
Star Health Insurance Plan Detailed Review
All about Star Health Insurance and Plans
Take a look below to explore the Young Star Plan specifications and understand the plan and its working in a better way:
Entry Age
Adult: 18 Years to 40 Years, Dependent Child: 91 Days to 25 years (Floater)
Renewal
Lifelong Renewability
Policy Type
Individual/Family Floater
Policy Term
1 | 2 | 3 Years
Premium Payment Frequency
Quarterly, Half-yearly, Annually, Biennial, Triennial
Sum Insured
For Individual: 3 Lakhs, For Individual and Floater: 5 Lakhs to 1 Crore
Star Health Young Star Policy comes in 2 variants allowing the policyholder to choose as per their healthcare requirements. Continue reading to find more:
In-patient & Out-patient coverage
Room Rent
Single Private A/C room
ICU Charges
Covered
Pre-Hospitalization
Covered up to 60 days
Post-Hospitalization
Covered up to 90 days
Domiciliary Hospitalization
Not Covered
Daycare Treatment
All Day care procedures covered
OPD Charges
Not Covered
Coverage Terms
COVID-19 Treatment
Covered
Cataract
Not Covered
No Claim Bonus
Available up to 100% of the SI
Automatic Restoration
Up to 100% SI
Daily Hospital Cash
Not available
Organ Donor
Not Covered
Maternity Cover
Not available
New Born Baby Cover
Not available
Alternative Treatments
AYUSH Treatment
Not Covered
IVF Treatment
Not Covered
Modern Treatment
Covered
Emergency Coverage
Ambulance
Covered
Air Ambulance
Not available
Compassionate Travel
Not covered
Global Coverage
Not available
Wellness Programmes
E-Consultation
Covered
Health Check-Up
Covered
Second Medical Opinion
Not available
Vaccination
Not Covered
Limitations
Co-payment
Not applicable
Sub-limits
Applicable
In-patient & Out-patient coverage
Room Rent
Single Private A/C room
ICU Charges
Covered
Pre-Hospitalization
Covered up to 60 days
Post-Hospitalization
Covered up to 90 days
Domiciliary Hospitalization
Not Covered
Daycare Treatment
All Day care procedures covered
OPD Charges
Not Covered
Coverage Terms
COVID-19 Treatment
Covered
Cataract
Not Covered
No Claim Bonus
Available up to 100% of the SI
Automatic Restoration
Up to 100% SI
Daily Hospital Cash
Available up to 1K per day
Organ Donor
Not Covered
Maternity Cover
Covered up to 30K
New Born Baby Cover
Not available
Alternative Treatments
AYUSH Treatment
Not Covered
IVF Treatment
Not Covered
Modern Treatment
Covered
Emergency Coverage
Ambulance
Covered
Air Ambulance
Not available
Compassionate Travel
Not covered
Global Coverage
Not available
Wellness Programmes
E-Consultation
Covered
Health Check-Up
Covered
Second Medical Opinion
Not available
Vaccination
Not Covered
Limitations
Co-payment
Not applicable
Sub-limits
Applicable
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:
Coverage status under Young Star?
Under this plan, the policyholder is entitled to get a Private Single AC Room.
It is a special department in the hospitals where patients with serious medical conditions are treated.
Coverage status under Young Star?
ICU charges are covered under this plan.
Medical expenses incurred before the hospitalization of the policyholder.
Coverage status under Young Star?
This plan covers the pre-hospitalization expenses incurred up to 60 days before hospitalization.
Medical expenses incurred after the discharge of the policyholder from the hospital.
Coverage status under Young Star?
This plan covers the pre-hospitalization expenses incurred up to 90 days after 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 the financial coverage.
Coverage status under Young Star?
Under this plan, domiciliary hospitalization is not covered.
Treatments that can be treated in less than 24 hours of hospitalization like blood dialysis, cataract, etc.
Coverage status under Young Star?
This plan covers all day care procedures.
The cost of doctor consultation and prescribed medical tests that may not require hospitalization.
Coverage status under Young Star?
OPD charges are not covered under this plan.
COVID-19 treatment includes the cost of treatment for COVID-19 with a confirmative diagnosis from Govt. approved Centre.
Coverage status under Young Star?
COVID-19 treatment cover is available under this plan.
A common eye condition in which your vision gets blurred.
Coverage status under Young Star?
This plan does not cover cataract treatment.
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?
Under this plan, NCB is calculated at 20% of the basic sum insured for every claim-free year, a maximum of up to 100% of the basic sum insured.
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?
This plan automatically restores 100% of the sum insured upon exhaustion.
It is a cash amount that you receive each day during the time of hospitalization.
Coverage status under Young Star?
This plan offers daily hospital cash up to 1K under the gold variant, subject to a maximum of 7 days per hospitalization and 14 days per policy period.
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?
Organ donor cover is not available under this plan.
It refers to the cover that includes expenses for normal and c-section procedures deliveries.
Coverage status under Young Star?
Covers the expenses for normal and c-section procedures deliveries up to t30K per delivery under Gold variant.
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 and these common treatments can vary from plan to plan:
Coverage status under Young Star?
Newborn baby expenses are not covered under this plan.
Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.
Coverage status under Young Star?
Not covered
In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are for:
Coverage status under Young Star?
Not covered
Medical treatments that demand the use of modern technology such as robotic surgeries, stem cell therapy, etc.
Coverage status under Young Star?
This plan covers modern treatments up to the specified limits:
SI (in Rs.) | 3 L | 5 L | 10 L | 15 L | 20 L | 25L | 50L | 75L | 1Cr |
Uterine Artery Embolization and HIFU | 37k | 1.25L | 1.5L | 1.75L | 2L | 2L | 2.25L | 2.5L | 3L |
Balloon Sinuplasty | 15K | 50K | 1L | 1.25L | 1.5L | 1.5L | 1.75L | 2L | 2L |
Deep Brain Stimulation | 75K | 2.5L | 3L | 4L | 4.5L | 5L | 6L | 7L | 7.5L |
Oral Chemotherapy | 37.5K | 1.25L | 2L | 2.5L | 2.75L | 3L | 4L | 5L | 6L |
Immunotherapy | 75K | 2.5L | 4L | 5L | 5.5L | 6L | 7.5L | 9L | 10L |
Intra Vitreal injections | 15K | 50K | 75K | 1L | 1.25L | 1.5L | 1.75L | 2L | 2L |
Robotic surgeries | 75K | 2.5L | 3L | 4L | 4.5L | 5L | 6L | 7L | 7.5L |
Stereotactic Radio Surgeries | 75K | 2L | 2.25L | 2.5L | 2.75L | 3L | 3.50L | 3.75L | 4L |
Bronchial Thermoplasty | Up to sum insured | ||||||||
Vaporization of the prostate (Green laser/Holmium laser) | |||||||||
Intra Operative Neuro Monitoring | |||||||||
Stem Cell Therapy | 75K | 2.5L | 4L | 5L | 5.5L | 6L | 7.5L | 9L | 10L |
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?
Ambulance charges are covered under this plan.
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?
Not available
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?
Not covered
Any kind of medical/health emergency when you are outside of India.
Coverage status under Young Star?
Not available
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?
E-consultation option is available under this plan.
A facility where the policyholder can avail free health check-ups after fulfilling the company's policies.
Coverage status under Young Star?
The plan covers the health check-ups up to the limits specified:
Policy Type | Sum Insured Options (in Rs.) | |||
3 Lakhs | 5 Lakhs | 10 Lakhs | 15 Lakhs & above | |
Individual | 1.5K | 2K | 3K | 3.5K |
Floater | NA | 3K | 4K | 5K |
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?
Not available
Coverage against the expenses incurred on vaccinations is provided by the insurance companies.
Coverage status under Young Star?
Not covered
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?
No co-payment is defined under this plan.
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?
Sub limits under this plan are subject to the following treatments:
SI (in Rs.) | 3 L | 5 L | 10 L | 15 L | 20 L | 25L | 50L | 75L | 1Cr |
Uterine Artery Embolization and HIFU | 37k | 1.25L | 1.5L | 1.75L | 2L | 2L | 2.25L | 2.5L | 3L |
Balloon Sinuplasty | 15K | 50K | 1L | 1.25L | 1.5L | 1.5L | 1.75L | 2L | 2L |
Deep Brain Stimulation | 75K | 2.5L | 3L | 4L | 4.5L | 5L | 6L | 7L | 7.5L |
Oral Chemotherapy | 37.5K | 1.25L | 2L | 2.5L | 2.75L | 3L | 4L | 5L | 6L |
Immunotherapy | 75K | 2.5L | 4L | 5L | 5.5L | 6L | 7.5L | 9L | 10L |
Intra Vitreal injections | 15K | 50K | 75K | 1L | 1.25L | 1.5L | 1.75L | 2L | 2L |
Robotic surgeries | 75K | 2.5L | 3L | 4L | 4.5L | 5L | 6L | 7L | 7.5L |
Stereotactic Radio Surgeries | 75K | 2L | 2.25L | 2.5L | 2.75L | 3L | 3.50L | 3.75L | 4L |
Bronchial Thermoplasty | Up to sum insured | ||||||||
Vaporization of the prostate (Green laser/Holmium laser) | |||||||||
Intra Operative Neuro Monitoring | |||||||||
Stem Cell Therapy | 75K | 2.5L | 4L | 5L | 5.5L | 6L | 7.5L | 9L | 10L |
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.
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:
Availability of Mid-Term Inclusion
Increase in Sum Insured
Star Wellness Program
By paying additional premium amount, Star Health Young star Policy allows the policyholder to include additional family members such as a newly wedded spouse, a newborn child, or a legally adopted kid. The Insurance Provider should be intimated about the same within 45 days (90 days in case of a newborn child) from the date of occurrence.
If in case the life insured falls victim to a road traffic accident, leading to in-patient hospitalization, (s)he will receive a 25% increase in their basic Sum Insured. The increase in the amount is capped at 10 Lakhs.
Under this program, policyholders are rewarded for leading a healthy lifestyle with discounted premiums against the wellness points earned by them. The table below highlights the discount on premiums applicable.
Wellness Points | 200-350 | 351-600 | 601-750 | 751-1000 |
Discounts | 2% | 5% | 7% | 10% |
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 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 |
To cater to the different medical needs of an individual & their family, Star Health offers several Health Plans. Along with Young Star Policy, there are other 21 health plans to choose from. Take a look below to explore more:
A special plan designed for women, wherein women can avail multifold benefits along with the coverage to the whole family.
Unique Features
Star Cardiac Care is ideal for those individuals who want to cover the expenses of cardiac & non-cardiac ailments.
Unique Features
This plan is for individuals who want to protect themselves and their families against the deadliest virus of Covid-19.
Unique Features
The plan is ideal for the families who want to get covered under single sum insured.
Unique Features
This policy is designed to provide complete protection against all health care eventualities to you and your family.
Unique Features
The plan is specially designed for those individuals who are willing to secure their old-age medical needs after their retirement.
Unique Features
The plan offers additional coverage to the policyholder in case their existing coverage is exhausted.
Unique Features
A standard health plan mandated by IRDAI that covers all essential healthcare benefits including Ayush treatment, day care procedures, etc. for individuals and families.
Unique Features
Covers the risk of spreading/recurrence of first cancer (metastasis) & second cancer (second malignancy)
Unique Features
It covers the cost of hospitalization if the policyholder tested positive for COVID-19.
Unique Features
This policy offers 100% sum insured to the policyholder if he/she tested positive for COVID-19.
Unique Features
Provides reimbursement of hospitalization expenses and also provides a total amount of sum insured if the insured person is diagnosed with a major illness.
Unique Features
Designed specifically for diabetic persons. Hospitalization related to diabetes and non-diabetic problems is covered under this plan.
Unique Features
Provides flexibility in terms of choosing the Sum Insured amount, premium amount, family size. It can be a perfect tax saver for you.
Unique Features
A uniquely designed insurance policy that covers organ donor expenses up to sum insured, AYUSH treatments, modern treatments, and many more.
Unique Features
Star Special Care provides coverage to children (3 years to 25 years) who are diagnosed with Autism Spectrum Disorder.
Unique Features
An individual and floater basis rural plan with SI of 1 lakh and 2 lakh respectively. Comes with installment on premiums and lifelong renewal.
Unique Features
An OPD coverage policy with an individual and family floater option and 4 SI variants. Comes with 3 plan variants: Silver, Gold and Platinum.
Unique Features
An accidental coverage policy for individuals and families and comes with high sum insured. The policy gives cumulative bonus and multiple discounts.
Unique Features
See More Health Insurance Articles
See More Health Insurance Articles
1. What is a Road Traffic Accident (RTA) Benefit under Young Star insurance policy?
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.
2. How can I pay my premiums for Young Star policy?
Under Young Star, one can pay their premium Quarterly, Half-yearly, Annually, Biennial, Triennial.
3. Are there any Discounts available under Young Star?
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.
4. Can I port my Star Health Young Star policy to any other health plans offered by any other company?
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.
5. What if my sum insured of the Young Star insurance policy as well as restoration benefit is exhausted?
When the sum insured and restoration benefit of your Young Star Health Insurance policy is exhausted then it will immediately terminate.
6. Can I cancel my star health Young Star insurance policy?
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.
7. What is the maximum number of claims I can make under the Star Young Star Health Insurance plan?
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.
8. Does Star Health’s Young Star plan offer maternity coverage?
No, the plan does not offer coverage against maternity expenses.
9. What is the Young Star plan?
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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