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Young Star Insurance Policy

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IRDAI UIN: SHAHLIP22036V042122

HIGHLIGHTS

Plan Essentials

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Mid-Term Inclusion

The newly married spouse, newborn baby and/or legally adopted child can be included in the policy by paying an additional premium. The waiting periods will be applicable from the date of inclusion of new joiners.
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Entry Age

Any person aged between 18 and 40 years can avail this policy. Under the Floater basis, a maximum of up to three dependent children aged between 91 days and 25 years are covered.
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Special Discount

A 10% discount on premium is applicable on purchasing the policy before 36 years of age and renewing it after 40 years of age.
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Star Wellness Program

The wellness points earned for indulging in healthy lifestyle activities can be utilised for availing discounts up to 2-10% at the time of policy renewals.
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Additional Basic Sum Insured for Road Traffic Accident

If the basic Sum Insured gets exhausted, then for hospitalisation due to Road Traffic Accidents, it will be increased by 25% to the maximum of Rs. 10,00,000/-.
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Instalment Options

The policy premium can be paid on a quarterly or half-yearly basis. It can also be paid on an annual, biennial (once in 2 years) and triennial (once in 3 years) basis. This facility will be available only for the Sum Insured of Rs. 5 lakhs and above.
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Medical Examination

Pre-medical test is not mandatory to avail this policy.
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Policy Type

This policy can be availed either on an Individual or Floater basis.
DETAILED LIST

Understand what’s included

IMPORTANT HIGHLIGHTS

Gold PlanSilver Plan

In-Patient Hospitalisation

Hospitalisation expenses incurred for a period of more than 24 hours on account of  illness, injury or accidents are covered.
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Pre-Hospitalisation

In addition to in-patient hospitalisation, the medical expenses incurred up to 60 days before the date of admission to the hospital are also covered.
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Post-Hospitalisation

Post-hospitalisation medical expenses up to 90 days from the date of discharge from the hospital are covered as per the limits mentioned in the policy clause.
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Room Rent

Room (Single Private A/C Room), boarding and nursing expenses incurred during in-patient hospitalisation are covered.
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Road Ambulance

Ambulance charges incurred for transporting the insured person by private ambulance services to the hospital and from one hospital to another hospital for better treatment are covered.
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Day Care Procedures

Medical treatments and surgical procedures that require less than 24 hours of hospitalisation due to technological advancements are covered.
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Modern Treatment

Expenses incurred for modern treatments such as Oral Chemotherapy, Intra Vitreal injections, Robotic Surgeries, etc. are covered up to the limits mentioned in the policy clause.
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Additional Basic Sum Insured for Road Traffic Accident (RTA)

If the basic Sum Insured gets exhausted, then for hospitalisation due to Road Traffic Accidents, it will be increased by 25% to the maximum of Rs. 10,00,000/-.
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Automatic Restoration of the Basic Sum Insured

On partial or full utilisation of the Sum Insured during the policy period, 100% of the Sum Insured will be restored once in the same policy period.
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Cumulative Bonus

Cumulative bonus is provided at 20% of the Sum Insured for each claim-free year subject to a maximum of 100% of the Sum Insured.
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Online Discount

A 5% discount on premium is available for purchasing the policy for the first time through online.
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Special Discount

A 10% discount on premium is applicable on purchasing the policy before 36 years of age and renewing it after 40 years of age.
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E-Medical Opinion  

E-Medical Opinion facility from the Company’s expert panel is available on the request initiated by the insured person.
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Health Check-Up

Health check-up expenses incurred at Network Hospitals are covered up to the specified limits irrespective of the claim.
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Star Wellness Program  

Wellness program designed to motivate and encourage the healthy lifestyle of the insured person through various wellness activities. In addition, the earned wellness bonus points can be utilised for availing renewal discounts up to a maximum of 10%.
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Lifelong Renewal

This policy provides a lifelong renewal option.
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Delivery Expenses  

Delivery expenses including the Caesarean section are covered up to Rs. 30,000/- per delivery to the maximum of two deliveries.
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Hospital Cash Benefit  

A cash benefit of Rs.1000/- for each completed day in the hospital is provided for a maximum of 7 days per hospitalisation and 14 days per policy period.
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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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Wellness Program
Take part in our wellness programs and earn rewards for staying healthy. Redeem those rewards to avail renewal discounts.
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Dial 7676 905 905 to avail free consultations with our expert doctors via phone, chat or video call.
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Get free COVID-19 consultation with our health experts between 8 AM and 10 PM. Give a call to 7676 905 905.
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E-Pharmacy
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