Star Young star policy
Star Health Insurance
Highlighted Features
Room Rent (Normal & ICU)
The Star Health Young Star Policy offers coverage for hospitalization expenses, including room (Single Private A/C room), boarding, and nursing expenses. There is no capping on room rent, allowing the insured to avail treatments in a single private A/C room.
Cashless healthcare
The Star Health Young Star Policy offers cashless treatment at 14,000+ hospitals across India, including 460+ in Bengaluru like Manipal, Apollo, and Fortis, allowing policyholders to access care without upfront payments.
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Our Verdict
Star Young Star offers tailored plans for 18-40 year olds with a strong no-claim bonus and renewal discounts. The optional 'Extra Protect' enhances limits, making it ideal for health-conscious young adults and families seeking comprehensive and rewarding coverage.
About the Plan
The Star Young Star Insurance Policy is a comprehensive health insurance plan tailored for individuals aged 18 to 40, with lifelong renewal options. It offers two variants—Silver and Gold—allowing policyholders to choose coverage that best suits their needs. The policy provides extensive benefits, including coverage for in-patient hospitalization, pre and post-hospitalization expenses, all day-care procedures, and modern treatments. Additionally, it offers a cumulative bonus of 20% of the sum insured for each claim-free year, up to a maximum of 100%. Policyholders can also avail of wellness discounts of up to 10% during renewals by engaging in specified wellness activities. The plan accommodates family coverage, including economically dependent children aged 91 days to 25 years. Notably, if an individual enrolls before turning 36 and continues the policy beyond 40, a 10% discount is applied to subsequent renewals. For enhanced protection, the optional Young Star Extra Protect add-on cover is available, which increases limits for room rent, AYUSH, and modern treatments, and covers non-medical expenses during hospitalization.
About the Plan
Features of the Product
Room Rent (Normal & ICU)
Normal: Single Private A/C room
ICU: no limit
Advanced Treatments
Coverage includes robotic surgeries, stem cell therapy, organ transplants, modern cancer treatments, bariatric surgery, and advanced cardiac procedures as per policy terms.
Co-payment
No mandatory co-payment options.
Waiting Periods
Initial Waiting Period: A 30-day waiting period applies from the policy's inception, during which claims are not admissible, except for those arising from accidents.
Pre-existing Disease Waiting Period: For the Silver plan, pre-existing diseases are covered after 48 months of continuous coverage. For Gold and Platinum plans, this period is reduced to 24 months.
Specific Disease/Procedure Waiting Period: For individuals above 45 years of age, certain listed illnesses and procedures are covered after a 24-month waiting period from the policy's inception.
Cashless Healthcare Providers
14,000+ network hospitals
Day Care Treatments
All day care procedures are covered.
AYUSH Treatment
Covered by the policy.
Exclusions
Congenital diseases, anomalies, and genetic disorders excluded.
Expenses for weight control, hormone therapy, and fertility treatments not covered.
Self-inflicted injuries, substance abuse, and addiction treatment excluded.
Injuries or diseases due to war, nuclear hazards, or biological weapons excluded.
Maternity expenses excluded unless specifically covered.
External medical devices, prosthetics, and assistive aids not covered unless post-surgery.
Experimental treatments and unproven procedures excluded.
Exclusions
Claim Guard - Covers specified non-medical expenses (consumables) during an admissible claim under the base policy.
Enhanced Limit for Modern Treatments - Extends coverage for listed modern treatments up to the base policy's sum insured.
AYUSH Treatment - Covers inpatient hospitalization expenses for treatments under Ayurveda, Unani, Siddha, and Homeopathy systems up to the sum insured.
Home Care Treatment - Provides coverage for specified treatments administered at home, up to 10% of the base policy's sum insured, subject to a maximum of Rs. 5,00,000 per policy year.
Add-ons
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About the Company
Star Health and Allied Insurance was founded in 2006 by Dr. A. Sakthivel, and its headquarters is located in Chennai, Tamil Nadu.
Star Health and Allied Insurance is a leading health insurance company in India, offering a range of plans to suit diverse customer needs. They specialize in medical, critical illness, and accidental insurance, providing affordable coverage to individuals and families. The company aims to ensure access to quality healthcare through an extensive network of hospitals. With over a decade of experience, Star Health continues to innovate in the insurance space, focusing on customer-centric services and simplifying claim processes.
About the Company
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