Super Star Secure Pack

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IRDAI UIN: SHAHLIA26040V012526

HIGHLIGHTS

Plan Essentials

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Limitless Loyalty Bonus

Get 100% additional Sum Insured every time you renew your policy—no matter how many claims you make. Your coverage keeps growing with your loyalty, offering greater protection year after year.
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Sum Insured Multiplier

Combine the Sum Insured from multiple policy years to cover one large medical expense. This feature ensures you have a bigger financial cushion when you need it the most.
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Health Booster

Get an extra 100% of your base Sum Insured after staying claim-free for 7 consecutive years. It’s a reward for maintaining good health and not making any claims.
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Consumables Cover

Covers 68 commonly excluded non-payable medical items during hospitalization like syringes, gloves, bandages etc. Enjoy broader protection without worrying about out-of-pocket expenses for essentials.
DETAILED LIST

Understand what’s included

ELIGIBILITY

Entry Age

For Individual SI: 18 years to Any Age; For Floater SI: Adults: 18 years to Any Age; Dependent Children: 91 days to 25 years; Family Size under Floater: 2 Adults + 4 Children (Self, Spouse & Dependent Children)

Sum Insured (SI) Options (₹. in Lakhs)

7.5/10/15/20/25/50/100 Sum Insured option 100L can be offered only up to 60 years of entry age

Policy Term

1/2/3 years

WAITING PERIODS

Initial Waiting Period

30 days

Specified Diseases Waiting Period

24 months

PED Waiting Period

36 months

POLICY BENEFITS

Room Rent

Any Room

Professional Fees, Tests, Medicines, ICU

Covered up to the SI

Freeze Your Age

Insured will pay premium as per the entry age till they make the first claim (hospitalisation/day care claim). This will be available up to 50 years only.

Automatic Restoration of Sum Insured

Up to 100% SI, unlimited times in a policy year for related and unrelated illness for subsequent hospitalisation and triggers on partial/full utilisation of SI

Cumulative Bonus

50% after each renewal (if claim-free); maximum up to 100% of SI

Organ Donor Expenses

Coverage for organ transplantation up to the SI, including the donor’s post-donation complications

Dental Check-up & Cleaning

Consultation, IOPA (X-Ray) and Scaling, available for one person under each policy in the 2nd and 3rd policy years. Available on cashless basis only.

Unlimited Tele-consultation

Available on STAR Health App (along with AI-driven Face Scan)

Home Care Treatment

Covered up to the SI

Domiciliary Hospitalisation

Covered up to the SI

Pre and Post Hospitalisation

90 days & 180 days respectively, covered up to the SI

Day Care Treatment

All Day Care Treatments covered up to the SI

Modern Treatments

Covered up to the SI

AYUSH Treatment

Covered up to the SI

Road Ambulance

Covered up to the SI

Air Ambulance

Covered up to ₹5L in a policy year

Premium Waiver

One year premium is waived if the proposer, who is also insured, is diagnosed with a listed critical illness or dies due to an accident

STAR Wellness Program

The STAR Wellness Program—accessible through the STAR Health App allows you to earn over 1,000 points each year through various wellness activities. These points can be redeemed for up to a 20% discount on renewal premiums

Value Added Services

Available (discounts on Pharmacy/Diagnostics/Consultations)

E-Domestic Second Medical Opinion

Access to a second medical opinion from a network doctor based on submitted medical records

ADDITIONAL COVERS

Limitless Loyalty Bonus

100% Additional SI for each renewal (irrespective of claim) without any upper limit.

Sum Insured Multiplier

Insured can combine & utilise the annual SI of base policy across the policy term. Applicable only for long term policies

Health Booster

100% of base SI is additionally provided, for every 7 consecutive claim-free years.

Durable Medical Equipment Cover

Covered up to ₹1L in a policy year for rental/purchase of necessary medical equipment (e.g., oxygen concentrators, wheelchairs, etc.)

Nursing at Home

₹1,000/day, maximum up to 10 days in a policy year post hospitalisation, for the medical services of a qualified nurse at insured person’s residence

Preventive Health Check-Up

Each insured aged 18 years & above can avail preventive health check-up as per package ‘A’, available once in each policy year. Note: Option available to upgrade from package A to B/C

E-Connect

(i) Access to virtual fitness sessions, nutritionist (ii) Insured can obtain E-International second medical opinion twice per policy in a policy year

Consumables Cover

68 non-payable items will be covered. For more details, please visit our website: www.starhealth.in

Grace Period Cover

Coverage available during the grace period for policies due for renewal

*Above 60 years of age: Premium Return, Limitless Loyalty Bonus & Sum Insured Multiplier will not be available

OPTIONAL COVERS

Limitless Care

One unlimited claim cover in a lifetime of the base policy for in patient/day care treatment. Available from ₹10L SI

StayFit

Insured can avail visits to the ‘fitness centers’ (gyms and fitness studios) up to 7 sessions/week; Entry age: 18 years to 60 years

Mamta (Women Wellness Care)

Insured women can avail the listed comprehensive online services through the Company’s Network/Digital Platforms, as per the opted plan and policy schedule. Entry age: 12+ years

Param Seva (Senior Citizen Wellness Care)

Insured can avail the comprehensive online services on Company’s Network/Digital Platforms as per the plan opted and specified in the policy schedule. Entry age: 56+ years

In-clinic Consultation

Insured can avail In-person consultation with general physicians & specialists up to 4 consultations in case of Individual policy & 8 consultations in case of Floater policy. Available only upto 60 years of entry age

Value Network

15% discount will be given if the insured chooses value network

Voluntary Deductible

Options: Up to SI 10L: 25k/50k/1L SI > 10 - 25L: 50k/1L/2L/3L SI > 25L: 50k/1L/2L/3L/4L/5L (aggregate deductible for each policy year)

Long Term Deductible

Options: Up to SI 10L: 25k/50k/75k/1L SI > 10 - 25L: 50k/75k/1L/2L/3L SI > 25L: 50k/75k/1L/2L/3L/4L/5L (aggregate deductible for each policy term)

Voluntary Co-pay

Options: 10%/20% (applicable on each and every admissible claim amount arising due to hospitalisation expenses)

Quick Shield

"Claims related to the following pre-existing diseases will be covered starting from the 31st day after the first purchase of the base policy: a) Type 2 Diabetes (b) Hypertension (c) Hyperlipidemia (d) Asthma (e) Coronary Artery Disease with PTCA done more than 1 year prior "

Future Shield

Provides continuity benefit for all waiting periods served by the insured member to the spouse added

Maternity Expenses

Up to ₹50k/1L as opted (24-month waiting period)

Room Rent Modification

Any room to single private AC room/twin sharing/multi-bed sharing (3 bed or more or general ward)
Please refer to the Policy Documents to know the policy details and Terms & Conditions.
STAR HEALTH

Why Choose Star Health Insurance?

As a Health Insurance specialist, we extend our services from offering tailor-made products to fast in-house claim settlements. With our growing network of hospitals, we ensure easy access to fulfill your medical needs.

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Disclaimer:
The information provided on this page is for general informational purposes only. Availability and terms of health insurance plans may vary based on geographic location and other factors. Consult a licensed insurance agent or professional for specific advice. T&C Apply. For further detailed information or inquiries, feel free to reach out via email at marketing.d2c@starhealth.in