Wellness Program
Take part in our wellness programs and earn rewards for staying healthy. Redeem those rewards to avail renewal discounts.

Add-on Cover
Young Star Extra Protect–Add on Cover enhances the limit of existing cover and offers new features to the base policy.
Eligibility
The policyholders who are covered under Young Star Insurance Policy with a minimum Sum Insured of Rs. 10,00,000/- can avail this add on cover. This cover can be bought along with the base policy at inception or at the time of renewal of the base policy.
Age & Family Size
The entry age and family size of this Add on Cover is same as the opted base policy.
Policy Term
The policy term of this Add on Cover is same as the opted base policy.
Enhanced Room RentThis cover enhances the room, boarding and nursing expenses as per the limits mentioned in the policy clause. |
Claim Guard (Coverage for Non-medical Items(Consumables))If there is an admissible claim under the base policy, then the expenses for non-medical items specified in this Add on Cover will become payable. |
Enhanced Limit for Modern TreatmentsThe listed modern treatments that are covered in the base policy will become payable up to the Sum Insured of the base policy. |
AYUSH TreatmentMedical expenses for In-patient Hospitalization incurred on treatment under Ayurveda, Unani, Siddha and Homeopathy systems of medicines in a AYUSH Hospital is payable up to sum insured (including Cumulative bonus if available) under the Base Policy. |
Home Care TreatmentExpenses incurred on home care treatment for the specified conditions as mentioned in the policy clause are covered up to 10% of the Sum Insured of the base policy subject to the maximum of Rs. 5,00,000/- in a policy year. |
Bonus GuardI) Cumulative bonus available under Base Policy will not be reduced at the time of renewals unless the bonus is utilized.
II) On full utilization of Sum Insured and nil utilization of cumulative bonus accrued, such cumulative bonus so granted under the Base Policy will not be reduced
III) On full utilization of Sum Insured and partial utilization of cumulative bonus accrued, the cumulative bonus granted under the Base Policy on renewal will be the balance cumulative bonus available
IV) On full utilization of Sum Insured and full utilization of cumulative bonus accrued, the cumulative bonus granted under the Base Policy on renewal will be “nil” |
Section - I
1. Enhanced Room Rent: Room, boarding, nursing expenses all inclusive as provided by the hospital / nursing home as per the limits given below:
Sum Insured in Lakh (Rs.) | 10,00,000/- to 20,00,000/- (as per base policy) | Above 20,00,000/- (as per base policy) |
|---|---|---|
| Room rent eligibility | Any Room(Except for suite room and above the category of suite room) | Any Room |
2. CLAIM GUARD (Coverage for Non-medical Items (Consumables)): If there is an admissible claim under the base policy, then the expenses towards the following items will become payable.
SI No | ITEM |
|---|---|
| 1 | BABY FOOD |
| 2 | BABY UTILITIES CHARGES |
| 3 | BEAUTY SERVICES |
| 4 | BELTS / BRACES |
| 5 | BUDS |
| 6 | COLD PACK / HOT PACK |
| 7 | CARRY BAGS |
| 8 | EMAIL / INTERNET CHARGES |
| 9 | FOOD CHARGES (OTHER THAN PATIENT’S DIET PROVIDED BY HOSPITAL) |
| 10 | LEGGINGS |
| 11 | LAUNDRY CHARGES |
| 12 | MINERAL WATER |
| 13 | SANITARY PAD |
| 14 | TELEPHONE CHARGES |
| 15 | GUEST SERVICES |
| 16 | CREPE BANDAGE |
| 17 | DIAPER OF ANY TYPE |
| 18 | EYELET COLLAR |
| 19 | SLINGS |
| 20 | BLOOD GROUPING AND CROSS MATCHING OF DONORS SAMPLES |
| 21 | SERVICE CHARGES WHERE NURSING CHARGE ALSO CHARGED |
| 22 | TELEVISION CHARGES |
| 23 | SURCHARGES |
| 24 | ATTENDANT CHARGES |
| 25 | EXTRA DIET OF PATIENT (OTHER THAN THAT WHICH FORMS PART OF BED CHARGE) |
| 26 | BIRTH CERTIFICATE |
| 27 | CERTIFICATE CHARGES |
| 28 | COURIER CHARGES |
| 29 | CONVEYANCE CHARGES |
| 30 | MEDICAL CERTIFICATE |
| 31 | MEDICAL RECORDS |
| 32 | PHOTOCOPIES CHARGES |
| 33 | MORTUARY CHARGES |
| 34 | WALKING AIDS CHARGES |
| 35 | OXYGEN CYLINDER (FOR USAGE OUTSIDE THE HOSPITAL) |
| 36 | SPACER |
| 37 | SPIROMETRE |
| 38 | NEBULIZER KIT |
| 39 | STEAM INHALER |
| 40 | ARMSLING |
| 41 | THERMOMETER |
| 42 | CERVICAL COLLAR |
| 43 | SPLINT |
| 44 | DIABETIC FOOT WEAR |
| 45 | KNEE BRACES (LONG / SHORT / HINGED) |
| 46 | KNEE IMMOBILIZER / SHOULDER IMMOBILIZER |
| 47 | LUMBO SACRAL BELT |
| 48 | NIMBUS BED OR WATER OR AIR BED CHARGES |
| 49 | AMBULANCE COLLAR |
| 50 | AMBULANCE EQUIPMENT |
| 51 | ABDOMINAL BINDER |
| 52 | PRIVATE NURSES CHARGES - SPECIAL NURSING CHARGES |
| 53 | SUGAR FREE TABLETS |
| 54 | CREAMS POWDERS LOTIONS (TOILETRIES ARE NOT PAYABLE, ONLY PRESCRIBED MEDICAL PHARMACEUTICALS PAYABLE) |
| 55 | ECG ELECTRODES |
| 56 | GLOVES |
| 57 | NEBULISATION KIT |
| 58 | ANY KIT WITH NO DETAILS MENTIONED [DELIVERY KIT, ORTHOKIT, RECOVERY KIT, ETC] |
| 59 | KIDNEY TRAY |
| 60 | MASK |
| 61 | OUNCE GLASS |
| 62 | OXYGEN MASK |
| 63 | PELVIC TRACTION BELT |
| 64 | PAN CAN |
| 65 | TROLLY COVER |
| 66 | UROMETER, URINE JUG |
| 67 | AMBULANCE |
| 68 | VASOFIX SAFETY |
The amount payable under this clause shall be part of the Sum Insured under the Base Policy and not in addition to the same.
3. Enhanced Limit for Modern treatments: The following procedures covered under the Base policy with sub-limits are covered up to the Sum Insured of the base policy.
| 1.Uterine Artery Embolization and HIFU |
| 2. Balloon Sinuplasty |
| 3. Deep brain stimulation |
| 4. Oral Chemotherapy |
| 5. Immunotherapy - Monoclonal antibody to be given as injection |
| 6. Intra Vitreal injections |
| 7. Robotic surgeries |
| 8. Stereotactic radio surgeries |
| 9. Bronchical Thermoplasty |
| 10. Vaporisation of the prostate (Green laser treatment or holmium laser treatment) |
| 11. IONM - (Intra Operative Neuro Monitoring) |
| 12. Stem cell theraphy: Hematopoietic stem cells for bone marrow transplant for haematological conditions |
The amount payable under this clause shall be part of the Sum Insured under the Base Policy and not in addition to the same.
4. Ayush treatment: Medical expenses for In-patient Hospitalization incurred on treatment under Ayurveda, Unani, Siddha and Homeopathy systems of medicines in an AYUSH Hospital are payable up to the Sum Insured of the Base Policy.
Note: Yoga and naturopathy systems of treatments are excluded from the scope of coverage under AYUSH treatment.
The amount payable under this clause shall be part of the Sum Insured under the Base Policy and not in addition to the same.
5. Home Care Treatment: Payable up to 10% of the Sum Insured of the Base Policy, subject to a maximum of Rs.5,00,000/- in a policy year, for treatment availed by the insured person at home, only for the specified conditions mentioned below, which in normal course would require care and treatment at a hospital but is actually taken at home provided that:
A) the medical practitioner advises the insured person to undergo treatment at home
B) there is a continuous active line of treatment with monitoring of the health status by a medical practitioner for each day through the duration of the home care treatment
C) daily monitoring chart including records of treatment administered duly signed by the treating doctor are maintained
D) Insured can avail ‘'Home Care Treatment'' service on cashless / reimbursement basis, if availed from our network service providers given in our website ''www.starhealth.in''
List of treatments / conditions covered under Home Care Treatment:
1. Fever and infectious diseases which can be managed as In-patient
2. Uncomplicated urinary tract infections but needing parenteral antibiotics
3. Asthma and COPD-Mild Exacerbations needing Home Nebulization
4. Acute Gastritis/Gastroenteritis
5. I.V. Chemotherapy [Where advised by the doctor]
6. Palliative Cancer Care requiring medical assistance
7. Acute Vertigo
8. Diabetic Foot and Cellulitis
9. IVDP [Cervical and Lumbar Disc diseases]
10. Major surgeries/Arthroplasties needing IV Antibiotics Post Discharge
11. Care for Brain and Spinal Injury Cases Post Discharge
12. Post CVA Care at Home after discharge
The amount payable under this clause shall be part of the Sum Insured under the Base Policy and not in addition to the same.
6. Bonus Guard
I. Cumulative bonus available under Base Policy will not be reduced at the time of renewals unless the bonus is utilized.
II. On full utilization of Sum Insured and nil utilization of cumulative bonus accrued, such cumulative bonus so granted under the Base Policy will not be reduced
III. On full utilization of Sum Insured and partial utilization of cumulative bonus accrued, the cumulative bonus granted under the Base Policy on renewal will be the balance cumulative bonus available
IV. On full utilization of Sum Insured and full utilization of cumulative bonus accrued, the cumulative bonus granted under the Base Policy on renewal will be “nil”
Premium details
Product Name | Young Star Insurance Policy |
|---|---|
Percentage on the Base policy premium | 15% |
General Conditions:
1. The Add on Cover can be purchased along with the Base Policy only (with Rs.10,00,000/- and above Sum Insured) either at Inception or during Renewal of the Base Policy.
2. The Add on Cover shall be available only if the same is specifically mentioned in the Base Policy Schedule.
3. Any claim under this Add on Cover will be subject to an admissible claim under the Base Policy.
4. Wherever the benefits mentioned in the Add on Covers are already available in the Base Policy, the Add on Cover benefits shall supersede the existing benefits.
5. The limits under the Add on Cover shall not be in addition to the limits under the Base Policy.
6. Wherever the benefits mentioned in the Add on Cover are not available in the Base Policy, the Add on Cover benefits will get added to the existing benefits of the Base Policy.
7. During renewal, if insured reduces the Base Policy Sum Insured to below Rs.10,00,000/-, the Add on Cover will not be available.
8. In case if insured migrates from the existing Base Policy to any other product offered by the Company, providing of the Add on Cover is subject to the availability of Add on Cover in the migrated product.
9. If this Add on Cover is opted, Insured cannot opt-out of the same at the time of renewal provided the Sum Insured is Rs.10,00,000/- and above.
Tax Benefits
Amount paid by any mode other than by cash for this insurance is eligible for relief under Section 80D of the Income Tax Act.
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.
I. If the insured has not incurred any claim during the Free Look Period, the insured shall be entitled to 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
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.
Take part in our wellness programs and earn rewards for staying healthy. Redeem those rewards to avail renewal discounts.
Get access to 1,635 diagnostic centres across India with home pickup of lab samples and health checkups at your doorstep.
Order medicines online at a discounted price. Home delivery and store pick-ups are available across 2780 cities.
Call us at 1800-425-2255 for claim intimation, telehealth services, and to clear your queries.
We’re the first Standalone Health Insurance company to settle the claims without any TPA but with a qualified in-house team.
96% of our claims are settled under cashless within 3 hours and 96% of claims are settled under reimbursement within 7days.
We got you covered under our valuable service providers, an agreed network and network hospitals for quality treatment.
We’ve been awarded for innovative product, best claim settlement and service provider from reputed survey organisations.
Hospitals in agreement with Star Health provide seamless cashless facilities. The approval process is quick and comfortable.
Hospitals that have agreed with Star Health to provide cost-effective package rates for surgical and medical procedures.
These hospitals are identified by Star Health and have been specially recognised for their efforts, services and quality.
For getting treatments in non-network hospitals(not in agreement with Star Health), you can avail reimbursement claims.
Hospitals, where claims are not admissible. But life-threatening situations/accidents expenses are payable up to stabilisation.
Get your future secured with us.


It is always said - ‘A little extra makes all the difference’. We do believe in the same and hence we are happy to present ‘Young Star Extra Protect-Add on Cover’ which enhances the limits of existing covers in addition to offering new features to your Base Young Star Insurance Policy.
You should have a sum insured of Rs. 10 lakhs and above in your Young Star Insurance Policy base to become eligible for Young Star Extra Protect - Add on Cover. The plan is offered on an individual insurance and family floater basis based on the age/family applicability - as per the base policy, and has many differentiating advantages:
All other terms, conditions, exclusions, waiting periods and cancellation will apply as per the Base Policy. With Young Star Extra Protect - Add on cover, get added protection, loaded with assurance.
Get all your Health Insurance related doubts clarified.
When you are young health insurance reviews offer transparency into claim settlement processes, disclosing hidden policy limitations and pointing out the plan features relevant to a younger and healthier demographic.
To be eligible, you must have a base Young Star Insurance Policy with a sum insured of ₹10 lakhs or above. The add-on can be opted for both individual and family floater plans.
Yes, the Young Star Extra Protect Add-on Cover provides coverage for non-medical or consumable expenses if there is an admissible claim under the base policy.
In case of a claim, this add-on ensures that your cumulative bonus remains protected and does not get reduced at the time of renewal, unless utilized.

Health Insurance Coverage for pre-existing medical conditions is subject to underwriting review and may involve additional requirements, loadings, or exclusions. Please disclose your medical history in the proposal form for a personalised assessment.
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