Super Star Secure Pack
IRDAI UIN: SHAHLIA26040V012526
HIGHLIGHTS
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
ELIGIBILITY
Entry AgeFor 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)
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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
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Policy Term1/2/3 years
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WAITING PERIODS
Initial Waiting Period30 days
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Specified Diseases Waiting Period24 months
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PED Waiting Period36 months
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POLICY BENEFITS
Room RentAny Room
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Professional Fees, Tests, Medicines, ICUCovered up to the SI
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Freeze Your AgeInsured 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.
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Automatic Restoration of Sum InsuredUp 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
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Cumulative Bonus50% after each renewal (if claim-free); maximum up to 100% of SI
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Organ Donor ExpensesCoverage for organ transplantation up to the SI, including the donor’s post-donation complications
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Dental Check-up & CleaningConsultation, IOPA (X-Ray) and Scaling, available for one person under each policy in the 2nd and 3rd policy years. Available on cashless basis only.
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Unlimited Tele-consultationAvailable on STAR Health App (along with AI-driven Face Scan)
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Home Care TreatmentCovered up to the SI
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Domiciliary HospitalisationCovered up to the SI
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Pre and Post Hospitalisation90 days & 180 days respectively, covered up to the SI
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Day Care TreatmentAll Day Care Treatments covered up to the SI
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Modern TreatmentsCovered up to the SI
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AYUSH TreatmentCovered up to the SI
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Road AmbulanceCovered up to the SI
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Air AmbulanceCovered up to ₹5L in a policy year
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Premium WaiverOne year premium is waived if the proposer, who is also insured, is diagnosed with a listed critical illness or dies due to an accident
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STAR Wellness ProgramThe 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
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Value Added ServicesAvailable (discounts on Pharmacy/Diagnostics/Consultations)
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E-Domestic Second Medical OpinionAccess to a second medical opinion from a network doctor based on submitted medical records
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ADDITIONAL COVERS
Limitless Loyalty Bonus100% Additional SI for each renewal (irrespective of claim) without any upper limit.
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Sum Insured MultiplierInsured can combine & utilise the annual SI of base policy across the policy term. Applicable only for long term policies
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Health Booster100% of base SI is additionally provided, for every 7 consecutive claim-free years.
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Durable Medical Equipment CoverCovered up to ₹1L in a policy year for rental/purchase of necessary medical equipment (e.g., oxygen concentrators, wheelchairs, etc.)
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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
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Preventive Health Check-UpEach 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
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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
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Consumables Cover68 non-payable items will be covered. For more details, please visit our website: www.starhealth.in
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Grace Period CoverCoverage available during the grace period for policies due for renewal
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*Above 60 years of age: Premium Return, Limitless Loyalty Bonus & Sum Insured Multiplier will not be available |
OPTIONAL COVERS
Limitless CareOne unlimited claim cover in a lifetime of the base policy for in patient/day care treatment. Available from ₹10L SI
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StayFitInsured can avail visits to the ‘fitness centers’ (gyms and fitness studios) up to 7 sessions/week; Entry age: 18 years to 60 years
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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
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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
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In-clinic ConsultationInsured 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
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Value Network15% discount will be given if the insured chooses value network
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Voluntary DeductibleOptions: 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)
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Long Term DeductibleOptions: 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)
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Voluntary Co-payOptions: 10%/20% (applicable on each and every admissible claim amount arising due to hospitalisation expenses)
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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 "
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Future ShieldProvides continuity benefit for all waiting periods served by the insured member to the spouse added
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Maternity ExpensesUp to ₹50k/1L as opted (24-month waiting period)
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Room Rent ModificationAny room to single private AC room/twin sharing/multi-bed sharing (3 bed or more or general ward)
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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
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