Young Star neo

Super Star UIN: SHAHLIP27049V022627 Star Flexi UIN: SHAHLIA27050V022627

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Plan Essentials

Understand what’s included

Why Choose Star Health Insurance?

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HIGHLIGHTS

Plan Essentials

A health plan designed for planning your future ahead

Young Star neo combines comprehensive health protection, future-focused benefits and wellness-led rewards in a plan created for young adults, couples and growing families.

Freeze Your Age

Start young and retain the advantage of your entry age. The age considered for premium calculation remains frozen at your entry age until the first admissible claim or the specified age limit, subject to policy terms.

Time Travel*

Make the advantage of starting young last longer. After the first admissible claim, the age considered for premium calculation is reset to Entry Age plus one year, instead of immediately moving to your attained age. For example, if you enter the policy at age 28 and make the first admissible claim at age 35, the applicable premium age shall be reset to 29 years, instead of 36, at the time of renewal, subject to policy terms.

Future Shield

Prepare for future milestones without leaving waiting-period continuity behind. Eligible waiting periods completed by you can be extended to your spouse subsequently added to the policy, subject to the applicable eligibility criteria and policy conditions.

Star THRIVE*

Healthy choices can lead to meaningful rewards. Through Star THRIVE, eligible insured persons can earn up to 18,000 THRIVE Coins in a policy year by participating in specified health, fitness and wellness activities. Eligible rewards can be redeemed for Health and OPD services, wellness marketplace benefits and renewal premium savings.

Stay Fit*

Stay active with access to network gyms and fitness studios up to 3 times per week available at select locations.

Unlimited Restoration

Your Sum Insured is automatically restored an unlimited number of times following partial or complete utilisation, helping you stay protected against subsequent hospitalisations during the policy year.

Coverage That Matches Your Ambitions

Choose a Sum Insured based on your healthcare needs and financial goals. Available Sum Insured options include: ₹10 lakh, ₹25 lakh, ₹50 lakh, ₹1 crore, and Unlimited Sum Insured.

Your Space to Recover

Focus on recovery in the comfort and privacy of a Single Private A/C Room.

Protection Beyond Hospitalisation

Young Star neo supports you before, during and after hospitalisation with: In-patient hospitalisation coverage, Day care treatment coverage, Up to 90 days of pre-hospitalisation expenses, Up to 180 days of post-hospitalisation expenses, Modern treatment coverage, AYUSH treatment coverage.

Make the Plan Your Own

Choose from a range of optional covers, including Star OPD Premier, maternity expenses, comprehensive consumables coverage, preventive health check-ups, personal accident protection and chronic disease management support.

DETAILED LIST

Understand what’s included


Individual Entry Age 18 years to 40 years
Floater Entry Age Adults: 18 years to 40 years; Dependent Children: 91 days to 25 years


Policy Type This policy can be availed on individual and floater basis.
Policy Term This policy can be availed for a term of one, two or three years.
Sum Insured The Sum Insured options under this policy are ₹10,00,000, ₹25,00,000, ₹50,00,000, ₹1,00,00,000, & Unlimited Sum Insured.
Family Size Under floater Sum Insured, you can add Self + Spouse/ Live-in Partner + Dependent Children. Maximum family size covered under floater policy: 2 Adults + 4 Children.
Waiting Period The initial waiting period is 30 days; for specified conditions, surgeries/ treatments are 24 months, and for pre-existing disease(s) (PED), it is 36 months.


Room Type Single Private A/C Room
In-Patient Hospitalisation Hospitalisation expenses incurred for a period of more than 24 hours on account of illness, injury or accidents are covered up to the Sum Insured.
Day Care Treatment All Day Care Treatments are covered.
Pre-Hospitalisation Hospitalisation expenses incurred up to 90 days before hospitalisation.
Post-Hospitalisation Hospitalisation expenses incurred up to 180 days after discharge from hospital.
Coverage for Modern Treatment Expenses incurred for modern treatments such as Stem cell therapy for bone marrow transplant, Uterine artery embolisation, Balloon Sinuplasty, Deep Brain Stimulation, Oral Chemotherapy, Immunotherapy, Intravitreal injections, Robotic surgeries, Stereotactic radiosurgery, Bronchial Thermoplasty Holmium laser treatment, IONM (Intra Operative Neuro Monitoring) are covered up to the Sum Insured.
AYUSH Treatment Inpatient hospitalisation expenses incurred for treatments under the Ayurveda, Yoga and Naturopathy, Unani, Sidha and Homeopathy systems of medicine in AYUSH hospitals are covered up to the Sum Insured.
Road Ambulance This policy covers ambulance charges for admission to the hospital, for shifting from one hospital to another and from hospital to residence.
Air Ambulance This policy covers up to ₹5,00,000 in a policy year for air ambulance services if recommended by a medical practitioner.
Organ Donor Expenses Coverage for organ transplantation up to the Sum Insured, including the donor’s post-donation complications.
Home Care Treatment Coverage for home-based treatment for specified conditions, including fever, infections, and chronic illnesses, provided that specific criteria are fulfilled.
Domiciliary Hospitalisation Coverage for medical treatment at home for a duration exceeding three days when hospitalisation is not possible or available.
Automatic Restoration of Sum Insured Up to 100% Sum Insured, unlimited times in a policy year for related and unrelated illness for subsequent hospitalization and triggers on partial/ full utilisation of Sum Insured.
Cumulative Bonus 50% of Sum Insured awarded at renewal for every claim free year maximum up to 100% of Sum Insured.
Freeze Your Age The policy locks in your age at entry, keeping premiums based on this age until a claim is paid under In-Patient, Day Care, or AYUSH treatments or until you reach the age of 55. After this, premiums are charged according to your current age at each renewal.
Time Travel* Works with the Freeze your age cover. Upon an eligible claim, your renewal premium will be calculated using your entry age plus one year, instead of your actual age at renewal.
Sum Insured Multiplier* For a multi year policy, combine your annual Sum Insured across your multi-year policy term and use the combined amount for a single claim once during the policy period.
Health Booster* Earn 100% of your Annual Sum Insured for every block of 7 consecutive claim-free years.
Star THRIVE* Healthy Behaviour, Now Rewarded. Earn THRIVE Coins for participating in eligible wellness activities and health programs, then redeem them for health, wellness, and OPD services, or up to 100% of your renewal premium.
Future Shield Your spouse once added to the policy receives continuity benefit for the waiting periods already completed by you.
Stay Fit* Enjoy up to 3 fitness centre sessions per week at select gyms and fitness studios. Available at select locations for insureds aged 18 years above.
E-Connect* Access virtual fitness sessions and nutritionist consultations, plus up to 2 e-International second medical opinions per policy year.
In-Clinic Consultation* Avail up to 4 in-person consultations with general physicians or specialists.
Grace Period Cover* Coverage continues during the grace period for policies due for renewal.
E-Domestic Second Medical Opinion Access second opinion from a network doctor by sharing your medical records.
Premium Waiver Get a one-year premium waiver if you are diagnosed with a listed critical illness or in the event of accidental death, provided you are the proposer and insured member.
Unlimited Tele-Consultation Avail unlimited tele-consultations along with an AI powered face scan on Star Health App.
Dental Check-up and Cleaning Dental check-up and cleaning benefits include coverage for one individual's dental consultations, IOPA X-rays, and scaling, applicable only during the second and third years of the policy.
Value Added Services Get exclusive discounts on pharmacy, diagnostics, and doctor consultations through the Star Health App.


Consumables Cover – Comprehensive* Coverage for consumables and non-medical expenses covered under all 4 Lists of non-payable items, up to the Sum Insured.
Star OPD – Premier* Cashless outpatient care with wallet benefits ranging from 1x to 5x of the base premium, subject to a maximum limit of ₹1 lakh with a PED waiting period of 12 months. Includes doctor consultations, diagnostics, medicines, dental care, vision care and nutrition consultations.
Limitless Loyalty Bonus* Get an additional 100% Sum Insured at every renewal irrespective of claims, with no upper cap.
Preventive Health Check-up* Annual preventive health check-up for insured persons aged 18 years and above with Package A and Package B options after a 30-day waiting period.
Maternity Expenses Coverage up to ₹50,000 or ₹1,00,000 as opted, subject to a waiting period of 24 months.
Proactive Care* Chronic disease management support provided through empanelled providers on a cashless basis for Diabetes, Hypertension, Hyperlipidemia, Obesity and Coronary Artery Disease. Choose from Silver or Gold plans for 3 months or 12 months.
Mamta (Women Wellness Care)* Access to women-focused wellness services and support programs through digital platforms.
Hospital Daily Cash Allowance* ₹1,000 per day for eligible hospitalization, up to 30 days per policy year subject to a 5-day franchise period.
Sub Limits* Flexibility to choose Category A, B or C coverage limits for specified illnesses and treatments.
Voluntary Co-pay Choose: 10% / 20% Co-pay applicable on each and every admissible hospitalization claim.
Voluntary Deductible Flexible deductible options from ₹50,000 to ₹5 Lakhs. The chosen deductible will apply to the total claims made during each policy year.
Personal Accident* Lump sum benefit of ₹10 lakh in case of accidental death, permanent total disability or permanent partial disability. Available at select locations.


Long-Term Policy Discount Young Star neo rewards you for choosing longer policy tenures: • 2-Year Policy: 10% discount on the 2nd year premium • 3-Year Policy: 12.5% discount on the 3rd year premium
Wellness-Linked Premium Savings through Star THRIVE Eligible THRIVE Coins can be redeemed towards renewal premium savings, allowing you to reduce renewal costs through healthy lifestyle engagement, subject to program terms and conditions.

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.

Wellness Program

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

Diagnostic Centres

Get access to 1,635 diagnostic centres across India with home pickup of lab samples and health checkups at your doorstep.

E-Pharmacy

Order medicines online at a discounted price. Home delivery and store pick-ups are available across 2780 cities.

24*7 Customer Service

Call us at 1800-425-2255 for claim intimation, telehealth services, and to clear your queries.

In-house Claim Settlement

We’re the first Standalone Health Insurance company to settle the claims without any TPA but with a qualified in-house team.

Claim Settlement

96% of our claims are settled under cashless within 3 hours and 96% of claims are settled under reimbursement within 7days.

Hospitals

We got you covered under our valuable service providers, an agreed network and network hospitals for quality treatment.

Awards

We’ve been awarded for innovative product, best claim settlement and service provider from reputed survey organisations.

Network Hospitals

Hospitals in agreement with Star Health provide seamless cashless facilities. The approval process is quick and comfortable.

Agreed Network Hospitals

Hospitals that have agreed with Star Health to provide cost-effective package rates for surgical and medical procedures.

Valuable Service Providers

These hospitals are identified by Star Health and have been specially recognised for their efforts, services and quality.

Non-Network Hospitals

For getting treatments in non-network hospitals(not in agreement with Star Health), you can avail reimbursement claims.

Excluded Providers

Hospitals, where claims are not admissible. But life-threatening situations/accidents expenses are payable up to stabilisation.

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Young Star neo - Future-Ready from Day One

Explore Young Star neo, a future-ready health insurance plan for young adults and families, with comprehensive hospitalization coverage, premium lock advantage, a rewarding wellness ecosystem for healthy living, OPD benefits, mental wellbeing support and customizable optional covers.

Young Star neo is a next-generation health insurance plan designed for young professionals, young couples, and growing families who want more than just hospitalization coverage. It combines comprehensive health protection, preventive healthcare, wellness rewards, mental wellbeing support, outpatient care, and future-focused benefits in one integrated solution.

With coverage options ranging from ₹10 Lakhs to Unlimited Sum Insured, Young Star neo helps you stay financially protected against medical emergencies while supporting healthier lifestyles through wellness programs, fitness benefits, OPD care, and rewarding health journeys.

Young Star neo introduces industry-first feature, Time Travel, which works in combination with Freeze Your Age and locks your premium at your entry age until the first admissible claim or up to the age of 55 years, whichever is earlier. Time Travel takes your premium back in time to your entry age + 1 years instead of your current age in case your premium unlocks due to an admissible claim.

The plan comes with innovative features such as Freeze Your Age, Future Shield, Star THRIVE, Stay Fit, mental wellbeing supporting covers, unlimited restorations, premium waiver benefits, and digital healthcare services to ensure long-term value for those who start their health insurance journey early.

Star THRIVE – Health and Wellness Based Rewards Loyalty Program

Healthy Behaviour. Now Rewarded.

Stay on track with your health. Get rewarded along the way.

What if your healthy habits could reward you with benefits beyond your hospitalization cover? With Star THRIVE, it’s possible. A brand-new platform that rewards your everyday healthy choices and adds value to your health & wellness journey accessible through the Star Health Application.

Star THRIVE is Young Star neo's integrated wellness and rewards platform that encourages and rewards healthy everyday choices. Eligible insured persons can earn up to 18,000 THRIVE Coins per policy year and redeem rewards across healthcare, wellness and premium savings benefits.

How You Earn THRIVE Coins

Seamless Start

Earn coins by:

Registering on the Star Health App
Linking ABHA ID
Connecting a fitness app

Earn up to 500 coins.

Health Track Pro

Earn rewards through:

Health assessments
Health Risk Assessment
Preventive check-ups
AI Face Scan
Other health activities

Earn up to 4,000 coins annually.

Wellness Circle

Turn healthy habits into rewards through:

Daily walking
Exercise
Wellness participation activities

Earn up to 13,500 coins annually.

THRIVE Milestones- Unlock more with every milestone

Tier	Coins Required	Voucher Value
Silver	Starting Tier
Gold	3,000	Up to ₹1,000
Platinum	7,000	Up to ₹1,500
Titanium	14,000	Up to ₹2,500

Maximum health voucher value: ₹5,000 per eligible insured person.

Redeem Your Rewards For

Health Services
OPD Services
Wellness Marketplace Benefits
Renewal Premium Savings

Program Eligibility: Insured Persons aged 18 years and above.

Coins Validity: Coins are valid for 1 year from the date of earning or until the Policy lapses, whichever is earlier.

Coin Conversion Value: For Health, OPD & Wellness Benefit: 1 Coin = ₹1; For Premium Discount Benefit: 1 Coin = ₹0.20

*These covers are offered from the add-on “Star Flexi” (UIN: SHAHLIA27050V022627).
Limitless Loyalty Bonus, Sum Insured Multiplier, Health Booster & Voluntary deductible covers are not available for policies with Unlimited Sum Insured.
Only one amongst the 2 covers Voluntary Co-pay or Voluntary deductible can be selected.
The term “Young Star neo” is used for marketing and representation purposes only. This is not a separate insurance Product but refer to coverage options under the base product “Super Star” (UIN: SHAHLIP27049V022627) and the add-on “Star Flexi” (UIN: SHAHLIA27050V022627). The naming is meant to simplify customer choices without altering the scope, terms, or conditions of the filed product or add-on. For any modifications to the available benefit packages, customers can contact us at our Toll-Free number: 1800 425 2255.

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Disclaimer:
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

Young Star neo

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