Super Star Essential Pack

Star Wellness Program

This program intends to promote, incentivize and to reward the Insured Persons' healthy life style through various wellness activities. The wellness activities as mentioned below are designed to help the Insured person to earn wellness reward points which will be tracked and monitored by the Company. The wellness points earned by the Insured Person(s) under the wellness program, can be utilized to get discount in premium during the renewal.

This Wellness Program is enabled and administered online through Star Health Mobile Applications.

Note: The Wellness Activities mentioned in the table below (from Serial Number 1 to 6) are applicable for the Insured person(s) aged 18 years and above only. The following table shows the discount on premium available under the Wellness Program;

*In case of floater policy the weightage is given as per the following table;

Note: In case of two year, three year, four year and five year policies, total number of wellness points earned in the two year, three year, four year and five year period will be divided by two, three, four and five respectively.

Please refer the Illustrations to understand the calculation of discount in premium, weightage and the calculation.

The wellness services and activities are categorized as below:

1. Sign up points for Enrolling to Wellness Program: Insured person(s) can earn 100 reward points for enrolling in Star Wellness Program through Star Health Mobile application. 

2. Manage and Track Health

a) Completion of Health Risk Assessment (HRA): The Health Risk Assessment (HRA) questionnaire is an online tool for evaluation of health and quality of life of the Insured. It helps the Insured to introspect his/ her personal lifestyle. The Insured can log into his/her account on the website www.starhealth.in and complete the HRA questionnaire. The Insured can undertake this once per policy year. 

On Completion of online HRA questionnaire, the Insured earns 150 wellness points.

Note: To get the wellness points mentioned under HRA, the Insured has to complete the entire HRA within one month from the time he/she started HRA Activity.

b) Preventive Risk Assessment: The Insured can also earn wellness points by undergoing diagnostic / preventive tests during the policy year. These tests should include the four mandatory tests mentioned below. Insured can take these tests at any diagnostic centre at Insured’s own expenses. 

On submission of the test reports, Insured earns 200 reward points.

Note: These tests reports should be submitted together and within 30 days from the date of undergoing such Health Check-Up.

3. Affinity towards wellness: 

Insured earns wellness points for undertaking any of the fitness and health related activities as given below. List of Fitness Initiatives and Wellness points:

4.Stay Active: Insured earns wellness reward points on achieving the step count target on ‘Star Health Mobile application as mentioned below:

5.Condition Management Program

i) Weight Management Program:

a) This Program will help the Insured persons with Over Weight and Obesity to manage their Body Mass Index (BMI) through the empanelled wellness experts who will guide the Insured in losing excess weight and maintain their BMI.

• On acceptance of the Weight Management Program, Insured earns 50 wellness points.
• An additional 50 wellness points will be awarded in case if the results are achieved and maintained as mentioned below.

b) Incase if the Insured is not Overweight / Obese, the Insured can submit his/her Fitness Success Story through adoption of Star Wellness Activities with us. On submission of the Fitness Success Story through adoption of Star Wellness Activities, Insured earns 50 wellness points.

ii) Chronic Condition Management Program:

a) This Program will help the Insured suffering from Diabetes, Hypertension, Cardiovascular Disease or Asthma to track their health through the empanelled wellness experts who will guide the insured in maintaining/ improving the health condition.

• On acceptance of the Chronic Condition Management Program, Insured earns 100 wellness points
• The Insured has to submit the test result values for every 3 months maximum up to 3 times in a policy year
• If the test result values are within +/- 10% range of the values given below, for at least 2 times in a policy year, an additional 150 wellness points will be awarded.
• These tests reports to be submitted within 1 month from the date of undergoing the Health Check-Up

b) In case if the Insured is not suffering from Chronic Condition/s (Diabetes, Hypertension, Cardiovascular Disease or Asthma) he/she can opt for “De-Stress & Mind Body Healing Program”. This program helps the Insured to reduce stress caused due to internal (self-generated) & external factors and increases the ability to handle stress.

• On acceptance of De-stress & Mind Body Healing Program Insured earns 50 wellness points.
• On completion of De-stress & Mind Body Healing Program Insured earns an additional 75 wellness points.

Note: This is a 10 weeks program which insured needs to complete without any break.

6)Reward points for Preventive Care: Insured can earn wellness reward points for submitting the following health check-up reports once in a policy year which he/ she had during the policy year.

a. Submission of Vaccination Certificate/s: Insured can earn 20 wellness reward points by submitting the Vaccination certificate related to vaccine that he/she have had during the policy year. Eg: Vaccine for Covid, HPV, Swine Flu (H1N1), Hepatitis etc.

b. Submission of Preventive Eye Check-up report: Insured can earn 20 wellness reward points for submitting Eye Check-up report which includes near and far vision (visual equity) and Colour vision test.

c. Submission of Preventive Dental Check-up: Insured can earn 20 wellness reward points for submitting Dental Check-up report which includes screening of oral cavity done by a qualified Dentist. 

d. Submission of Mammography & PAP Test report: Insured can earn 20 wellness reward points for submitting x-ray Mammogramgraphy or coloured doppler mammogram for preventive breast screening and PAP smear (biopsy) report.

e. Prostate specific antigen (PSA) test (applicable for Males aged > 50 yrs): Insured can earn 20 wellness reward points for submitting Prostate specific antigen blood report. 

f. Glaucoma Screening (for persons aged > 50 yrs): Insured can earn 20 wellness reward points by submitting reports of Glucoma screening test of both eyes including tonometery. (slit lamp test), pachymeter test, visual field test, dilated eye test and gonioscopy examination.

Terms and conditions applicable for wellness services

Any information provided by the Insured in this regard shall be kept confidential.

There will not be any cash redemption against the wellness reward points.

Insured should notify and submit relevant documents, reports, receipts etc for various wellness activities within 1 month of undertaking such activity/test.

For services that are provided through empanelled service provider, Star Health is only acting as a facilitator; hence would not be liable for any incremental costs or the services.

All medical services are being provided by empanelled health care service provider. We ensure full due diligence before empanelment. However Insured should consult his/her doctor before availing/taking the medical advices/services. The decision to utilize these advices/services is solely at Insured person’s discretion.

We reserve the right to remove the wellness reward points if found to be achieved in unfair manner.

Star Health, its group entities, or affiliates, their respective directors, officers, employees, agents, vendors, are not responsible or liable for, any actions, claims, demands, losses, damages, costs, charges and expenses which a Member claims to have suffered, sustained or incurred, by way of and / or on account of the Wellness Program.

Services offered are subject to guidelines issued by IRDAI from time to time.

Waiting Period

1. For Pre-Existing Diseases - 36 months

2. For Specific Diseases/Procedures - 24 months

3. Initial Waiting Period - 30 days (Except for Accidents)

Modern Treatments

Coverage for Modern Treatments please click here.

Premium Illustration

Benefit/Premium illustration for Individual and Floater basis please click here.

Free Look Period

 The Free Look Period shall be applicable on new individual health insurance policies and not on renewals or at the time of porting/migrating the policy.

The insured person shall be allowed free look period of thirty days from date of receipt of the policy document whether electronically or otherwise to review the terms and conditions of the policy, and to return the same if not acceptable.

lf the insured has not incurred any claim during the Free Look Period, the insured shall be entitled to

i. a refund of the premium paid less any expenses incurred by the Company on medical examination of the insured person and the stamp duty charges or

ii. where the risk has already commenced and the option of return of the policy is exercised by the insured person, a deduction towards the proportionate risk premium for period of cover or

iii. where only a part of the insurance coverage has commenced, such proportionate premium commensurate with the insurance coverage during such period

Note: Renewal premium, terms and conditions are subject to change as per the extant Guidelines.