Who all can be covered under one Super Star Floater plan?

Self, Spouse/ Live-in-partner and up to 4 Dependent Children can be covered under one Super Star Floater policy…

How will the Long-Term Discount be calculated if a customer chooses a 5-year Long Term Super Star plan?

If a customer chooses a 5-year Policy Term, he is eligible to get 10% + 12.5% + 14% + 16% discounts on the 2nd, 3rd, 4th and 5th year premiums respectively.

What is the maximum Sum Insured option available under Super Star policy?

Super Star policy offers Unlimited Sum Insured option.

What is the maximum Sum Insured available for a customer above 65 years under the Super Star policy?

The maximum Sum Insured available for individuals above 65 years under the Super Star policy is Rs. 50 Lakhs.

Is there any discount applicable during renewal?

A 2.5% discount will be offered if the policy is renewed 30 days before the renewal due date.Note: This Early Renewal Discount is available only for the first 3 renewals and applies only if there is no claim under In-patient/ Day care treatment under the expiring policy.

What is the Room Rent Limit in Super Star Policy?

There is no capping on the Room Rent expenses in Super Star policy. Insured is eligible to occupy Any Room during in-patient hospitalisations.

How does Premium Waiver benefit work in Super Star policy?

If the proposer, who is also an insured member under Super Star, meets with accidental death or is diagnosed (first diagnosis) with any of the 54 listed critical illnesses, the premium (inclusive of optional covers, if opted) will be waived off for the next one policy year during renewal.In the case of a floater/ multi-individual policy the premium waiver will be available on the floater policy/ multi-individual policy premium.

What will happen to the balance Cumulative Bonus available during renewal upon settling a claim?

Cumulative bonus will be reduced only to the extent of utilized portion and the unutilized Cumulative bonus will be carried forward to the next policy year.

Is Dental Check-up & Cleaning payable for all insured members covered under a Super Star floater policy?

Dental Check-up & Cleaning is available in the 2nd & 3rd policy years for those who purchased ‘Super Star’ policy for the first time with us. In the case of a floater policy, this benefit is payable only for one Insured Person under each policy in a policy year.

What is ‘Freeze your Age’ feature in Super Star Policy?

If the Insured is below 50 years of age at policy inception, then the ‘Freeze your Age’ feature in Super Star policy locks the premium which is applicable during the age at entry of the insured. The insured will pay the same premium during every renewal till he/ she makes the first claim or attains 56 years whichever is earlier.

Is there any additional Bonus available in Super Star policy over and above the base policy’s Cumulative Bonus?

Yes, with the ‘Super Star Bonus (Guaranteed Bonus)’ Optional Cover, the insured can accumulate a Guaranteed Bonus of 100% of the expiring sum insured for each policy year, up to an unlimited Sum Insured. (Note: This feature is not available if Unlimited Sum Insured is opted)

How does E-International Second Medical Opinion work in Super Star?

The insured can obtain a second medical opinion from any of our assigned Panel of Internationally available Medical Practitioners by mailing their medical reports to e_medicalopinion@starhealth.in or through post/ courier. • In the case of an individual policy, the insured can utilise this facility once in a policy year. • In the case of floater/ multi-individual policy, each insured can utilise this facility once in a policy year. The second opinion should be used only for medical reasons and not for medico-legal purposes.

Can we claim the renting charges of any medical equipment under ‘Durable Medical Equipment Cover’ in Super Star?

Yes. If the need for any listed medical equipment (specified in the policy clause) is prescribed by the treating medical practitioner post hospitalisation, then the renting or purchasing charges will be covered up to a limit of Rs. 5 Lakhs, payable once during the entire lifetime of the policy.

What is the limit for Annual Health Check-up in Super Star?

Annual Health Check-up is available up to 1% of Sum Insured subject to a maximum of Rs. 25,000 in a policy year and is available from Day 1 of the policy. This limit is inclusive of the cost of vaccination expenses.

What is Limitless Care Cover in Super Star?

The in-patient/ day care treatment expenses of the Insured Person for any one admissible claim during the lifetime of the policy will be covered without any limits on the Sum Insured. (Note: This feature is not available if Unlimited Sum Insured is opted)

How many deliveries can be covered under ‘Maternity Expenses’ cover in Super Star?

A maximum of 4 deliveries can be covered under Super Star if this cover is opted.

If ‘Future Shield’ is opted, what are the waiting periods for which the continuity benefits served by the Insured will be waived off for the newly added spouse?

The following are the waiting periods for which continuity benefits served by the Insured will be waived off for the newly adde spouse:• Initial Waiting Period• Pre-Existing Diseases Waiting Period• Specified Diseases Waiting Period• Maternity Waiting Period (if maternity expenses optional cover is opted)

When will the coverage for PED start if the Insured opts for ‘Quick Shield’ cover?

Coverage for the Pre-Existing Diseases (as listed in the policy clause) will be available from the 31st day of the first purchase of this policy, under in-patient/ day care treatments, if disclosed and accepted by the underwriting team.

What is a Star Health Super Star Plan Premium Chart?

Star Health Super Star Plan premium chart is a table that shows the premium costs for the Star Health Super Star health insurance plan, enlisting various premium amounts depending on factors such as the policyholder's age, policy term, and chosen sum insured, permitting person to compare costs according to their specific requirements prior to the purchase of the plan. You could make the star health super star plan review to understand why it is needed for you.

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Plan Essentials

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.

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.

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.

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


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


Initial Waiting Period 30 days
Specified Diseases Waiting Period 24 months
PED Waiting Period 36 months


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


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


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.

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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

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