Wellness Program
Take part in our wellness programs and earn rewards for staying healthy. Redeem those rewards to avail renewal discounts.
Super Star
Super Star—a comprehensive health protection solution designed with your needs in mind. Secure your future with premiums that lock in your age at entry, ensuring financial predictability. Enjoy automatic restoration of your sum insured and a wealth of customizable optional covers tailored to your lifes
IRDAI UIN: SHAHLIP25036V012425
HIGHLIGHTS
Plan Essentials
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.
No Limits, Just Benefits
Automatic Restoration of the Sum Insured up to 100%, an unlimited number of times, immediately after partial/ full utilisation of the coverage limit. This provision applies to all claims for subsequent hospitalisation.
Trusted Hospitals, Any Room
Choose from top-tier hospitals nationwide; you can pick any room at no extra cost.
Optional Covers
Super Star offers up to 21 optional covers, enabling you to customise your policy to meet your specific requirements and preferences.
Tele-Consultation and AI-Driven Face Scan
Unlimited teleconsultations with various practitioners are available through the Star Health mobile app, which also features an AI-driven face scan. This allows users to monitor vital parameters such as heart rate, oxygen saturation, and respiration rate, up to two times per month per insured, within a policy year.
Dental Check-Up & 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.
Detailed List
Understand what’s included
ELIGIBILITY
Individual Entry Age
Any person aged 18 years and above can avail this policy.
Floater Entry Age
Any person aged 18 years and above can avail this policy. Dependent children are covered from the 91st day onwards up to 25 years.
IMPORTANT HIGHLIGHTS
Policy Type
This policy can be availed on an individual, floater, or multi-individual basis.
Policy Term
This policy can be availed for a term of one, two, three, four or five years.
Instalment Options
The policy premium can be paid monthly, quarterly or half-yearly for policy terms of 1, 2 or 3 years.
Sum Insured
The Sum Insured options under this policy are ₹5,00,000, ₹7,50,000, ₹10,00,000, ₹15,00,000, ₹20,00,000, ₹25,00,000, ₹50,00,000, ₹1,00,00,000, & Unlimited Sum Insured. Note: SI options 1 Crore & Unlimited can be offered only up to 65 years of age; this condition is applicable at the time of inception of the policy.
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.
POLICY BENEFITS
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.
Co-pay
Not Applicable
Pre- Hospitalisation
Hospitalisation expenses incurred up to 90 days before hospitalisation.
Post-Hospitalisation
Hospitalisation expenses incurred up to 180 days after discharge from hospital.
Room Rent Modification
Option to modify room rent eligibility from Any Room to a Single Private AC Room/ Shared Room/ General Ward.
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.
Mid-term Inclusions
This option is available for a Newly wedded Spouse, Newborn, and Legally Adopted Child, who can be added anytime during the policy year.
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.
Day Care Treatment
All Day Care Procedures are covered.
Organ Donor Expenses
Coverage for organ transplantation and related costs, 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.
Premium Waiver
Premium waiver for the next policy year if the proposer is diagnosed with a critical illness or dies due to an accident.
STAR Wellness Program
The STAR Wellness Program—accessible through the STAR Health App and STAR Wellness App—allows you to earn over 1,000 points yearly through various wellness activities. These points can be redeemed for up to a 20% discount on renewal premiums.
E-Domestic Second Medical Opinion
Access to a second medical opinion from a network doctor based on submitted medical records.
Value-Added Services
Enhance your health journey with discounts on pharmacy, diagnostics, and consultations, all available through the STAR Health App.
OPTIONAL COVERS (AVAILABLE ON PAYMENT OF ADDITIONAL PREMIUM)
Smart Network
15% premium discount for treatments at Star Health’s Smart Network hospitals. 15% co-pay applies for out-of-network treatments, excluding accidents.
Quick Shield
Waives PED Waiting Period for specific conditions (Diabetes, Hypertension, Asthma, Hyperlipidemia, certain Coronary Artery Diseases). Coverage starts from Day 31.
Coverage for Non-medical Items (Consumables)
The coverage for non-medical items as specified in List I of the policy schedule will be payable if the claim for in-patient/ day care treatment is admissible under the policy.
Future Shield
Extends continuity benefits for all waiting periods for a newly added spouse (must be under 35 years of age). The Spouse must be added within 120 days of marriage with a marriage certificate.
Maternity Expenses
● Option A: Delivery Expenses (with 24 months waiting period) including the Caesarean section (both pre-natal and post-natal) are covered up to limits specified in the policy clause. Newborn treatment from Day 1 of birth is covered up to the limits specified in the policy clause. ● Option B: Delivery Expenses (with 12 months waiting period) including the Caesarean section (both pre-natal and post-natal) are covered up to limits specified in the policy clause. Newborn treatment from Day 1 of birth is covered up to the limits specified in the policy clause. ● Option C: Assisted Reproduction Treatment expenses are covered up to the limits specified in the policy clause.
Women Care
Coverage for a newborn starts immediately after birth, up to specified limits, including congenital defects up to the Sum Insured. This requires the submission of 12 and 20-week pregnancy scan reports.
High-end Diagnostics
Coverage for specific diagnostic tests up to ₹25,000 per policy year, including Brain Perfusion Imaging, CT-guided biopsy, CT urography, Digital Subtraction Angiography (DSA), Liver Biopsy, Magnetic Resonance Cholangiography Scan, PET CT, PET MRI, and Renogram.
Personal Accident Cover
Provides payouts for accidents caused by external, violent, and visible factors under two options: Option A: Accidental Death of the Insured Person Option B: Accidental Death and Permanent Total Disablement of the Insured Person
Annual Health Check-up
Covers up to 1% of the sum insured for tests or vaccinations, available from day one on a cashless basis. Tests must be booked via digital platforms (e.g., Mobile App) and are subject to a ₹25,000 cap per year.
Voluntary Co-payment
Option to choose between 10%/ 20%/ 30%/ 40%/ 50% co-payment for claims.
Voluntary Deductible
Option to choose deductible amount of 10k/ 25k/ 50k/ 1L/ 2L/ 3L/ 4L/ 5L; applies on an aggregate basis for all hospitalisation expenses.
Room Rent Modification
Option to modify room rent eligibility from Any Room to a Single Private AC Room/ Shared Room/ General Ward.
E-International Second Opinion
Second medical opinion from an international panel, once per policy year for each insured person, based on medical records only.
Durable Medical Equipment Cover
Coverage for rental/purchase of necessary medical equipment (e.g., oxygen concentrators, wheelchairs, etc.), up to ₹5 Lakh, payable once during the lifetime of the policy.
Compassionate Visit
Covers up to ₹10,000 for a family member's travel in case of life-threatening emergency hospitalisation away from home. This benefit applies only if the hospitalisation claim is valid.
Hospital Cash
A cash benefit for each completed day in the hospital is provided up to the limits mentioned in the policy clause.
Reduction of Specified Disease/ Procedure Waiting Period
Reduces the waiting period from 24 months to 12 months for the first purchase of the policy, up to the chosen Sum Insured.
Reduction of Pre-Existing Diseases Waiting Period
Reduces the waiting period from 36 months to either 12 or 24 months for the first purchase of the policy, up to the chosen Sum Insured.
Limitless Care
Covers In-Patient/ Day Care Treatment with no Sum Insured limits for one claim in lifetime, after which the cover ends, and the Sum Insured resets to zero for that policy year.
Super Star Bonus (Guaranteed Bonus)
Provides a 100% cumulative bonus of the Sum Insured, accumulating up to an unlimited amount. This cover is not available for policies with an Unlimited Sum Insured.
NRI Advantage
A Non-Resident Indian (NRI)/ Overseas Citizen will get a 10% discount on their applicable premium.
SPECIAL DISCOUNTS
Health Questionnaire Discount
Get up to 10% discount at inception and renewal by taking lifestyle and habit-related health questionnaires.
CIBIL Score Discount
Based on CIBIL Score get discount up to 15%. Available for ages up to 50 years.
Co-terminus Discount
Buy a policy for yourself/family and another for parents/parents-in-law within 1 month to get a 2.5% discount for one parent or 7.5% for two, under floater/multi-individual plans.
Early Renewal Discount
2.5% discount if renewed 30 days before the premium due date.
Wellness Discount
Wellness rewards up to 20% on renewal premium.
Long-Term discount
Avail a 10% discount on the 2nd-year premium, 12.5% discount on the 3rd-year premium, 14% discount on the 4th-year premium, and 16% discount on the 5th-year premium.
Star Wellness Program
This program intends to promote, incentivize and to reward the Insured Persons' healthy life style through various wellness activities. The wellness activities as mentioned below are designed to help the Insured person to earn wellness reward points which will be tracked and monitored by the Company. The wellness points earned by the Insured Person(s) under the wellness program, can be utilized to get discount in premium during the renewal.
This Wellness Program is enabled and administered online through Star Health Mobile Applications.
Note: The Wellness Activities mentioned in the table below (from Serial Number 1 to 6) are applicable for the Insured person(s) aged 18 years and above only. The following table shows the discount on premium available under the Wellness Program;
Wellness Points Earned | Discount in Premium |
200 to 350 | 4% |
351 to 600 | 10% |
601 to 750 | 14% |
751 and above | 20% |
*In case of floater policy the weightage is given as per the following table;
| Family Size | Weightage |
| Self, Spouse** | 1:1 |
| Self, Spouse** and Dependent Children (up to 18 years) | 1:1:0:0:0 |
| Self, Spouse** and Dependent Children (aged above 18 years) | 2:2:1:1:1 |
**Spouse / Live-in Partner | |
Note: In case of two year, three year, four year and five year policies, total number of wellness points earned in the two year, three year, four year and five year period will be divided by two, three, four and five respectively.
Please refer the Illustrations to understand the calculation of discount in premium, weightage and the calculation.
The wellness services and activities are categorized as below:
Sr. No. | Activity | Maximum number of Wellness Points that can be earned under each activity in a policy year |
1. | Sign up points for Enrolling to Wellness Program | 100 |
2. | Manage and Track Health |
|
| Online Health Risk Assessment (HRA) | 150 | |
| Preventive Risk Assessment | 200 | |
3. | Affinity to Wellness |
|
| a)Participating in Walkathon, Marathon, Cyclothon and similar activities | 200 | |
| b)Membership in a health club | 200 | |
4. | Stay Active – If the Insured member achieves the step count target on mobile app | 250 |
5. | Sharing ‘Active Life Success Story’ through adoption of Star Wellness Program | 50 |
6. | Condition Management Program (CMP): Weight Management, Diabetes Management, Hypertension, De-Stress & Mind Body Healing Program. | 150 |
7. | For Submission of Vaccination Certificate Eg: Vaccine for Covid, HPV, Pneumoccocnal, Swine Flu (H1N1), Hepatitis etc.. | 20 |
8. | For Submission of Preventive Eye Check-up report | 20 |
9. | For Submission of Preventive Dental Check-up report | 20 |
10. | For Submission of Mammography & PAP Test (for Women) report | 20 |
11. | For Submission of Prostate specific antigen (PSA) test report (for Male persons aged > 50 yrs) | 20 |
12. | Glaucoma Screening (for persons aged > 50 yrs) | 20 |
1. Sign up points for Enrolling to Wellness Program: Insured person(s) can earn 100 reward points for enrolling in Star Wellness Program through Star Health Mobile application.
2. Manage and Track Health
a) Completion of Health Risk Assessment (HRA): The Health Risk Assessment (HRA) questionnaire is an online tool for evaluation of health and quality of life of the Insured. It helps the Insured to introspect his/ her personal lifestyle. The Insured can log into his/her account on the website www.starhealth.in and complete the HRA questionnaire. The Insured can undertake this once per policy year.
On Completion of online HRA questionnaire, the Insured earns 150 wellness points.
Note: To get the wellness points mentioned under HRA, the Insured has to complete the entire HRA within one month from the time he/she started HRA Activity.
b) Preventive Risk Assessment: The Insured can also earn wellness points by undergoing diagnostic / preventive tests during the policy year. These tests should include the four mandatory tests mentioned below. Insured can take these tests at any diagnostic centre at Insured’s own expenses.
On submission of the test reports, Insured earns 200 reward points.
Note: These tests reports should be submitted together and within 30 days from the date of undergoing such Health Check-Up.
| List of mandatory tests under Preventive Risk Assessment |
|---|
| 1. Complete Haemogram Test |
| 2. Blood Sugar (Fasting Blood Sugar (FBS) + Postprandial (PP) [or] HbA1c) |
| 3. Lipid profile (Total cholesterol, HDL, LDL, Triglycerides, Total Cholesterol / HDL Cholesterol Ratio) |
| 4. Serum Creatinine |
3. Affinity towards wellness:
Insured earns wellness points for undertaking any of the fitness and health related activities as given below. List of Fitness Initiatives and Wellness points:
| Initiative | Wellness Points | |
|---|---|---|
| a. | Participating in Walkathon, Marathon, Cyclothon and similar activities | 200 |
| - On submission of BIB Number along with the details of the entry ticket taken to 100 participate in the event. | ||
| b. | Membership in a health club (for 1 year or more) - In a Gym / Yoga Centre / Zumba Classes / Aerobic Exercise/ Sports Club/ Pilates Classes/ Swimming / Tai Chi/ Martial Arts / Gymnastics/ Dance Classes | 200 |
| Note: In case if Insured is not a member of any health club, he/she should join into club within 3 months from the date of the policy risk commencement date. Insured person should submit the health club membership. | ||
4.Stay Active: Insured earns wellness reward points on achieving the step count target on ‘Star Health Mobile application as mentioned below:
Criteria to get reward points |
If the number of steps per day are minimum 8,000 or above for 16 days in a month, it will be considered as one active month and insured will get 20 reward points. |
Note:
|
5.Condition Management Program
i) Weight Management Program:
a) This Program will help the Insured persons with Over Weight and Obesity to manage their Body Mass Index (BMI) through the empanelled wellness experts who will guide the Insured in losing excess weight and maintain their BMI.
- On acceptance of the Weight Management Program, Insured earns 50 wellness points.
- An additional 50 wellness points will be awarded in case if the results are achieved and maintained as mentioned below.
| Sr. No. | Name of the Ailment | Values to submitted | Criteria to get the Wellness points |
|---|---|---|---|
| 1. | Obesity (If BMI is above 29) | Height & Weight (to calculate BMI) | Achieving and maintaining the BMI between 18 and 29 |
| 2. | Overweight (If BMI is between 25 and 29) | Height & Weight (to calculate BMI) | Reducing BMI by two points and maintaining the same BMI in the policy year |
| - Values (for BMI) shall be submitted for every 2 months (up to 5 times in each policy year) | |||
b) Incase if the Insured is not Overweight / Obese, the Insured can submit his/her Fitness Success Story through adoption of Star Wellness Activities with us. On submission of the Fitness Success Story through adoption of Star Wellness Activities, Insured earns 50 wellness points.
ii) Chronic Condition Management Program:
a) This Program will help the Insured suffering from Diabetes, Hypertension, Cardiovascular Disease or Asthma to track their health through the empanelled wellness experts who will guide the insured in maintaining/ improving the health condition.
- On acceptance of the Chronic Condition Management Program, Insured earns 100 wellness points
- The Insured has to submit the test result values for every 3 months maximum up to 3 times in a policy year
- If the test result values are within +/- 10% range of the values given below, for at least 2 times in a policy year, an additional 150 wellness points will be awarded.
- These tests reports to be submitted within 1 month from the date of undergoing the Health Check-Up
| Sr. No. | Name of the Ailment | Test to be submitted | Values Criteria to get the additional Wellness points |
|---|---|---|---|
| 1. | Diabetes(Insured can submit either HbA1c test value (or) Fasting Blood Sugar (FBS) Range and Postprandial test value) | HbA1c | ≤ 6.5 |
| Fasting Blood Sugar (FBS) Range and Postprandial test value | 100 to 125 mg/dl below 160 mg/dl | ||
| 2. | Hypertension | Measured with - BP apparatus | Systolic Range - 110 to 140 mmHg Diastolic Range - 70 to 90 mmHg |
| 3. | Cardiovascular Disease | LDL Cholesterol and Total Cholesterol / HDL Cholesterol Ratio | 100 to 159 mg/dl ≤ 4.0 |
| 4. | Asthma | PFT (Pulmonary Function Test) | FEV1 (PFC) is 75% or more FEV1/ FVC is 70% or more |
b) In case if the Insured is not suffering from Chronic Condition/s (Diabetes, Hypertension, Cardiovascular Disease or Asthma) he/she can opt for “De-Stress & Mind Body Healing Program”. This program helps the Insured to reduce stress caused due to internal (self-generated) & external factors and increases the ability to handle stress.
- On acceptance of De-stress & Mind Body Healing Program Insured earns 50 wellness points.
- On completion of De-stress & Mind Body Healing Program Insured earns an additional 75 wellness points.
Note: This is a 10 weeks program which insured needs to complete without any break.
6)Reward points for Preventive Care: Insured can earn wellness reward points for submitting the following health check-up reports once in a policy year which he/ she had during the policy year.
a. Submission of Vaccination Certificate/s: Insured can earn 20 wellness reward points by submitting the Vaccination certificate related to vaccine that he/she have had during the policy year. Eg: Vaccine for Covid, HPV, Swine Flu (H1N1), Hepatitis etc.
b. Submission of Preventive Eye Check-up report: Insured can earn 20 wellness reward points for submitting Eye Check-up report which includes near and far vision (visual equity) and Colour vision test.
c. Submission of Preventive Dental Check-up: Insured can earn 20 wellness reward points for submitting Dental Check-up report which includes screening of oral cavity done by a qualified Dentist.
d. Submission of Mammography & PAP Test report: Insured can earn 20 wellness reward points for submitting x-ray Mammogramgraphy or coloured doppler mammogram for preventive breast screening and PAP smear (biopsy) report.
e. Prostate specific antigen (PSA) test (applicable for Males aged > 50 yrs): Insured can earn 20 wellness reward points for submitting Prostate specific antigen blood report.
f. Glaucoma Screening (for persons aged > 50 yrs): Insured can earn 20 wellness reward points by submitting reports of Glucoma screening test of both eyes including tonometery. (slit lamp test), pachymeter test, visual field test, dilated eye test and gonioscopy examination.
Terms and conditions applicable for wellness services
Any information provided by the Insured in this regard shall be kept confidential.
There will not be any cash redemption against the wellness reward points.
Insured should notify and submit relevant documents, reports, receipts etc for various wellness activities within 1 month of undertaking such activity/test.
For services that are provided through empanelled service provider, Star Health is only acting as a facilitator; hence would not be liable for any incremental costs or the services.
All medical services are being provided by empanelled health care service provider. We ensure full due diligence before empanelment. However Insured should consult his/her doctor before availing/taking the medical advices/services. The decision to utilize these advices/services is solely at Insured person’s discretion.
We reserve the right to remove the wellness reward points if found to be achieved in unfair manner.
Star Health, its group entities, or affiliates, their respective directors, officers, employees, agents, vendors, are not responsible or liable for, any actions, claims, demands, losses, damages, costs, charges and expenses which a Member claims to have suffered, sustained or incurred, by way of and / or on account of the Wellness Program.
Services offered are subject to guidelines issued by IRDAI from time to time.
| A 51 year old Individual Gopal and his wife Ramya along with their two dependent children (aged below 18 yrs) buy a Super Star with Sum Insured 10 Lacs, let’s understand how they can earn Wellness Points. Gopal has declared that he is suffering from Diabetes. Ramya has declared her BMI as 27. Gopal and Ramya enrolled under the Star wellness program and completed the following wellness activities. | |||
Sr. No. | Activity | Wellness Points Earned by | Wellness Points Earned by |
1. | Sign up points for Enrolling to Wellness Program | 100 | 100 |
2. | Manage and Track Health | ||
Online Health Risk Assessment (HRA) | 150 | 150 | |
Preventive Risk Assessment | 200 | 200 | |
3. | Affinity to Wellness | ||
Participating in Walkathon, Marathon, Cyclothon and similar activities | 200 | 0 | |
Membership in a health club | 100 | 150 | |
4. | Stay Active (Wellness points based on Step Count) | 250 | 120 |
5. | For Sharing ‘Active Life Success Story’ | 50 | 0 |
6. | Condition Management Program (CMP) | 150 | 150 |
7. | Submission of Vaccination Certificate | 20 | 20 |
8. | For Submission of Preventive Eye Check-up report | 20 | 0 |
9. | For Submission of Preventive Dental Check-up report | 0 | 20 |
10. | For Submission of Mammography & PAP Test (for Women) report | 0 | 20 |
11. | For Submission of Prostate specific antigen (PSA) test report (for Male persons aged > 50 yrs) | 20 | 0 |
12. | Glaucoma Screening (for persons aged > 50 yrs) | 20 | 0 |
| Total Number of Wellness Points earned | 1280 | 930 |
| No of wellness points based upon weightage - 1:1:0:0 | 640 (1280X1/2) | 465 (930X1/2) |
Total Number of Wellness Points earned by Gopal and Ramya = 1105 (640+465) Based on the no of Wellness Points earned, Gopal & Ramya are eligible to get 20% discount on renewal premium | |||
Waiting Period
1. For Pre-Existing Diseases - 36 months
2. For Specific Diseases/Procedures - 24 months
3. Initial Waiting Period - 30 days (Except for Accidents)
Modern Treatments
Coverage for Modern Treatments please click here.
Premium Illustration
Benefit/Premium illustration for Individual and Floater basis please click here.
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.
lf the insured has not incurred any claim during the Free Look Period, the insured shall be entitled to
i. 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
Note: Renewal premium, terms and conditions are subject to change as per the extant Guidelines.
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.
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
90% of our claims are settled under cashless within 2 hours and 92% 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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Super Star
What is a Star Health Super Star Policy?
Star Health’s Super Star plan is a policy that offers unlimited health coverage to the insured person once in the lifetime of the policy with the 'Limitless Care' feature.
The plan offers coverage to pre-existing hypertension, coronary artery diseases, asthma, diabetes, and high cholesterol from day 31 of the policy with the 'Quick Shield' advantage.
This Policy has the 'Freeze Your Age' benefit, which fixes the entry age of the policyholder and charges a premium on that age till a claim is raised.
As healthcare expenses continue to rise, the demand for flexible, comprehensive health insurance is increasingly vital. Super Star addresses this need by allowing customers to choose coverage that grows with them, positioning it as a true game changer in the industry.
Endlessly Customisable
Cover yourself, your spouse, your children, your parents, and your extended family with options for individual or floater Sum Insured. This flexibility ensures coverage that fits your life stage.
Sum Insured
The Super Star plan offers various Sum Insured options, from Rs 5 lakhs to Rs 1 crore, including an unlimited Sum Insured choice, allowing customers to choose a plan that aligns with their specific needs. The plan marks a significant advancement in India's health insurance landscape, effectively addressing the balance between affordability and comprehensive protection.
Key Features
Freeze Your Age
This innovative option allows policyholders to save their premiums based on their entry age until a claim is made, leading to significant savings over time. It is available for individuals up to the age of 50 at the time of entry.
No Claim Bonus (NCB)
Policyholders who have a year without any claims are eligible for a 50% No Claim Bonus (NCB), which can rise to 100% of the Sum Insured. This benefit ensures that responsible health management leads to enhanced coverage over time.
Automatic Restoration of the Sum Insured
The Sum Insured is automatically restored for related and unrelated illnesses throughout the policy year in case of hospitalisation, which provides reassurance.
Choose Any Room
With access to top-tier hospitals, you can choose any room without incurring extra charges.
Midterm Inclusion
The plan allows the addition of recently married spouses, newborns, or legally adopted children to offer ideal coverage for expanding families.
Wellness Program
The wellness program offers incentives for maintaining a healthy life. It provides policyholders with rewards of up to 20% on renewal premiums, thereby motivating them to take an active role in their health management.
Co-terminus Discount
Individuals who acquire a Super Star policy for themselves can benefit from a discount of up to 7.5% when purchasing the same policy for their parents or parents-in-law, making family coverage more affordable.
Addition Benefits
Super Star bonus
Policyholders have the opportunity to increase their Sum Insured by an additional 100% at each renewal without any limit.
Consumables cover
This plan covers non-payable items such as masks, gloves, and other consumables.
Smart network discount
A 15% premium discount is offered to policyholders who choose treatment at a preferred hospital network.
21 Optional Covers
Super Star offers up to 21 optional covers, enabling you to customise your policy to meet your specific requirements and preferences. The 21 optional covers are:
- Limitless Care
- Super Star Bonus (Guaranteed Bonus)
- Women Care
- Future Shield
- Maternity Expenses
- Quick Shied
- Annual Health Check-up
- Reduction of Specified Disease/ Procedure Waiting Period
- Reduction of PED Waiting Period
- Personal Accident Cover
- Coverage for Non-Medical Items (Non-consumables)
- High-end Diagnostics
- Durable Medical Equipment Cover
- Hospital Cash
- NRI Advantage
- E-International Second Opinion
- Compassionate Visit
- Smart Network
- Room Rent Modification
- Voluntary Co-payment
- Voluntary Deductible
Super Star offers a unique and comprehensive health insurance plan that accommodates your needs at every stage of life. It ensures that you and your loved ones have complete coverage and peace of mind with customisable protection, advanced treatment options, special discounts, maternity benefits, and wellness rewards.
Inclusions of the Star Health Super Star Plan
There are several things included in the Star Health Super Star plan. Here are the inclusions of this Plan:
- It covers medical Inpatient hospitalisation expenses incurred on a minimum hospitalisation of 24 hours, like the room rent, medicine costs, ICU charges, doctor's fees, etc.
- The super star policy covers the cost of day care treatments that require hospitalisation of less than 24 hours.
- It covers pre-hospitalisation expenses incurred up to 90 days before hospitalisation.
- The coverage for the post-hospitalisation expenses incurred for up to 180 days after hospital discharge is offered by this plan.
- The coverage for the modern treatments, like the cost of availing 12 modern treatments or procedures, like stem cell therapy, oral chemotherapy, robotic surgeries, and deep brain stimulation, is included under this plan.
- It provides coverage for the AYUSH treatments like Yoga, Ayurveda, Siddha, Unani, and Homoeopathy at an AYUSH hospital.
- The cost of availing road ambulance services to transport the insured to & from the hospital and from one hospital to another is covered.
- Air Ambulance cost through an aeroplane or helicopter, on the recommendation of the doctor, is covered under this plan.
- Home Care Treatment expenses of availing home-based treatments, like asthma, fever, gastroenteritis, palliative cancer, etc., are covered under this super star plan.
- Organ Donor Expenses and Domiciliary Hospitalisation expenses are covered under this health insurance plan.
- The cost of getting an E-Domestic second medical opinion from a domestic network of doctors is covered under Star Health’s Super Star policy.
- Premium Waiver advantage waives the policy premium for the next year if the policyholder is diagnosed with a critical illness or expires in an accident.
- The costs of the Dental Check-up & Cleaning are covered. But, this cover is only available for a 2-year or 3-year policy tenure.
- This policy enables the insured to get unlimited teleconsultations with doctors via the insurer's mobile application.
- AI-driven face Scan allows the insured person to check vital parameters, like heart rate, oxygen saturation, etc., through an AI-driven face scan seen on the Star Health app. But this feature is available only twice a month.
Exclusions of Star Health Super Star Plan
Though the Star Health Super Star plan has many features, it also has some exclusions. The following are some of the exclusions of this plan:
- Obesity and weight-control treatment Costs are excluded.
- Expenses for the Dietary supplements and substances are not included.
- Expenses for the treatment of alcoholism, drugs or substance abuse are excluded.
- Super Star health insurance does not include vaccination expenses.
- It excludes the expenses for the treatments for injuries due to hazardous or adventure sports.
- This health insurance does not include the costs of cosmetic or plastic surgery.
- Unproven treatment expenses are excluded.
- Intentional self-injury costs are not included.
Star Health Super Star Plan provides a 100% additional sum insured during every renewal and unlimited restoration of the sum insured. Moreover, this health insurance plan comes with extra advantages, like maternity expenses, women's care, consumables cover, dental check-ups and cleaning, annual health check-ups, hospital cash benefit, and high-end diagnostic benefit.
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Self, Spouse/ Live-in-partner and up to 4 Dependent Children can be covered under one Super Star Floater policy…
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.
Super Star policy offers Unlimited Sum Insured option.
The maximum Sum Insured available for individuals above 65 years under the Super Star policy is Rs. 50 Lakhs.
There is no capping on the Room Rent expenses in Super Star policy. Insured is eligible to occupy Any Room during in-patient hospitalisations.
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.
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.
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.
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)
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.
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.
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.
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)
A maximum of 4 deliveries can be covered under Super Star if this cover is opted.
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)
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.
Yes, the Super Star plan generally provides dental check-up and cleaning benefits.
These benefits are usually offered once a year and are meant for preventive dental care. The exact details can vary based on the specific plan option you choose.
The minimum entry age for individuals under the Super Star plan is usually 18 years.
Children can also be included, often from a lower age, depending on the specific plan option selected.
The Super Star policy can be purchased on an individual basis or as a family floater.
An individual plan covers one person, while a family floater allows you to cover multiple family members under a single sum insured.
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
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
