Oneassure

Partner with us

Insurance Plans Comparison

Star Comprehensive vs Star Young Star

Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...

Read more
Star

Comprehensive

Family health insurance with maternity, OPD, dental and eye cover, 100% restoration and up to 100% cumulative bonus.

What Makes It Special:

An all-in-one family health plan that combines hospitalisation cover with maternity and new-born cover, OPD consultations, dental and eye care, hospital cash, bariatric surgery and accidental death/disability cover in a single policy.

Best For:

  • People under 61 who want to avoid co-payment

  • Buyers looking for a fast-growing bonus (100% after one claim-free year for SI ₹7.5L+)

  • People who want OPD, dental and eye expenses included

  • Families wanting individual or floater cover up to ₹1 crore

  • Young couples planning a family (maternity and new-born cover)

VS
Star

Young Star

Star Young star policy

What Makes It Special:

Young Star Insurance Policy is a health insurance plan designed for adults between 18 and 40 years, with dependent children eligible from 91 days to 25 years on a floater basis. It offers individual and family floater coverage, automatic restoration of Basic Sum Insured, cumulative bonus, health check-up benefits, wellness...

Best For:

  • Buyers looking for long-term health insurance with lifelong renewability

  • Customers who want wellness-based premium discounts

  • Customers looking for automatic restoration of Basic Sum Insured

  • Young families seeking individual or family floater coverage

  • Adults between 18 and 40 years looking for health insurance

Insurance Plans Comparison

Get Personalized Advice

Our insurance experts are here to help you make the right choice. Get personalized recommendations based on your specific needs and budget.

Quick Decision Guide

Star Comprehensive

  • Things to Consider: Premiums vary by city zone.

  • Things to Consider: Modern treatments and bariatric surgery have sublimits.

  • Things to Consider: Maternity needs both spouses covered for 24 months, and delivery limits are modest at lower SI.

  • Things to Consider: 10% co-payment for people who join at age 61 or above.

  • Things to Consider: 36-month PED waiting period, unless you buy the optional PED buy-back (reduces it to 12 months).

  • Reasons to Consider: 60 days of pre- and 90 days of post-hospitalisation cover, plus air ambulance and home care.

  • Reasons to Consider: Cumulative bonus up to 100% of SI, plus 100% restoration once a year (usable for the same illness).

  • Reasons to Consider: OPD consultations and dental/eye treatment covered outside the Sum Insured.

  • Reasons to Consider: Delivery (up to 2) and new-born cover after 24 months.

  • Reasons to Consider: Private single AC room with no fixed room rent cap.

Star Young Star

  • The restored Sum Insured cannot be carried forward and does not apply to Modern Treatment.

  • The maternity benefit is available only under the Gold Plan and has specific eligibility and waiting period conditions.

  • Room eligibility is based on a Single Private A/C Room, with proportionate deductions for higher room categories.

  • Specified diseases and procedures have a 12-month waiting period.

  • The PED waiting period is 12 months.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Comprehensive
Comprehensive

Health Insurance Plan

Brochure

VS
Young Star
Young Star

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Comprehensive

Information Unavailable

VS

Young Star

Single Private A/C Room, with proportionate deductions applicable for higher room categories


Advanced Treatments

Comprehensive

Coverage includes robotic surgeries, stem cell therapy, organ transplants, modern cancer treatments, bariatric surgery, and advanced cardiac procedures as per policy terms.

VS

Young Star

Information Unavailable

ICU Charges

Comprehensive

Covered up to Sum Insured; no separate ICU cap.

VS

Young Star

Covered as part of hospitalisation expenses

Co-payment

Comprehensive

This policy is subject to co-payment of 10% of each and every claim amount for fresh as well as renewal policies for insured persons whose age at the time of entry is 61 years and above

VS

Young Star

No standard co-payment specified in the supplied policy document

Disease-wise sublimits

Comprehensive

Information Unavailable

VS

Young Star

Applicable limits may apply to specific treatments and benefits


Waiting Period

Comprehensive

  1. Initial Waiting Period: A 30-day waiting period applies from the policy's inception, during which claims are not admissible, except for those arising from accidents. 
     
  2. Pre-existing Disease Waiting Period: For the Silver plan, pre-existing diseases are covered after 48 months of continuous coverage. For Gold and Platinum plans, this period is reduced to 24 months.
     
  3. Specific Disease/Procedure Waiting Period: For individuals above 45 years of age, certain listed illnesses and procedures are covered after a 24-month waiting period from the policy's inception.
VS

Young Star

Information Unavailable

Cashless Healthcare Providers

Comprehensive

Access to over 14,000+  cashless healthcare providers for seamless treatment.

VS

Young Star

Cashless hospitalisation available through Star Health network hospitals

Restoration Benefit

Comprehensive

Information Unavailable

VS

Young Star

100% Automatic Restoration of Basic Sum Insured, subject to policy conditions


Daycare Treatment

Comprehensive

covered by the policy.

VS

Young Star

All Day Care Procedures Covered

Cumulative Bonus

Comprehensive

SI ₹5L: 50% of Basic SI per claim-free year, max 100%. SI ₹7.5L and above: 100% of Basic SI after one claim-free year, max 100%.

VS

Young Star

20% of Basic Sum Insured for every claim-free year, up to 100% of Basic Sum Insured

AYUSH Treatment

Comprehensive

AYUSH treatments are covered up to the sum insured.

VS

Young Star

Covered, subject to applicable policy terms


Consumable Cover

Comprehensive

Not mentioned (no separate consumables cover in the policy documents).

VS

Young Star

Not specifically mentioned in the supplied policy document


Initial Waiting Period

Comprehensive

30 days (accidents excepted)

VS

Young Star

30 Days, except for eligible accident-related claims

Specific Waiting Period

Comprehensive

24 months for listed diseases/procedures; 36 months for Bariatric Surgery; 24 months for Delivery and New Born cover

VS

Young Star

12 Months for specified diseases and procedures


PED Waiting Period

Comprehensive

Information Unavailable

VS

Young Star

12 Months for pre-existing diseases and their direct complications


Modern Treatment

Comprehensive

  1. Covered up to treatment-wise sublimits that vary by Sum Insured, e.g. robotic surgery ₹2.5L (SI ₹5L) to ₹7.5L (SI ₹1 Cr); immunotherapy ₹2.5L to ₹10L; bronchial thermoplasty, prostate vaporisation and IONM up to Sum Insured. Part of Sum Insured.
VS

Young Star

Covered subject to applicable limits

Annual Health Checkup

Comprehensive

Information Unavailable

VS

Young Star

Available after completion of each policy year, subject to applicable limits and renewal


Pre-Hospitalisation

Comprehensive

Information Unavailable

VS

Young Star

Covered for up to 60 Days

Post-Hospitalisation

Comprehensive

Information Unavailable

VS

Young Star

Covered for up to 90 Days

Outpatient Department Cover (OPD Expense)

Comprehensive

Information Unavailable

VS

Young Star

Not specified as a standard OPD benefit

Deductible Option

Comprehensive

Information Unavailable

VS

Young Star

1-day deductible applies to the Hospital Cash Benefit


Coverage Options

Comprehensive

Information Unavailable

VS

Young Star

₹3 Lakh to ₹1 Crore, with ₹3 Lakh available only on an individual basis; higher options available on individual and floater basis


Claim Settlement Ratio

Comprehensive

Information Unavailable

VS

Young Star

Not specified in the supplied policy document

Maternity Cover

Comprehensive

Information Unavailable

VS

Young Star

Delivery expenses up to ₹30,000 per delivery under the Gold Plan, subject to a 36-month waiting period and other conditions


Insurance Plans Comparison

Still Confused? Get Expert Advice

Our insurance experts are here to help you make the right choice. Get personalized recommendations based on your specific needs and budget.

Why Choose Our Expert Consultation?

End-to-End Support

End-to-End Support

From choosing the right policy to managing claims, every step is handled for you

Zero Spam. Zero Hassle

Zero Spam. Zero Hassle

Pure advice, no unwanted calls, no unnecessary push

Free Expert Consultation

Free Expert Consultation

Talk to experienced advisors at no cost, and make confident decisions

24/7 Claim Assistance

24/7 Claim Assistance

Get a dedicated expert managing your claim end-to-end, from hospital admission to approval, including dispute resolution and support

What Our Experts Help You With

Personalised Recommendations

  • Every suggestion is backed by expert analysis of your life stage, goals, and budget

Expert-Led Policy Review

  • We decode the fine print—identifying risks, sub-limits, and gaps you may have missed. No surprises later

Smart, Tech-Enabled Experience

  • From digital onboarding to real-time claim tracking, our platform makes insurance easy, accessible, and stress-free

Insurance Plans Comparison

Explore Insurance Category

Senior Citizen Health Plan

Senior Citizen Health Plan

  • Secure against age-related medical costs

  • Tailored for seniors healthcare needs

Most Popular

Family Health Plan

Family Health Plan

  • One policy covers the entire family

  • High sum insured with cashless care

  • Multiple coverage options based on your family needs

Maternity Health Plan

Maternity Health Plan

  • Covers delivery, newborn care, and maternity expenses

  • Reduces financial stress of childbirth costs

Insurance Plans Comparison

Frequently Asked Questions (FAQs)

Having questions? We've got answers. Explore our FAQs to find the information you need.

1-5 of 10 FAQs

Compare With Other Health Insurance Plans

Comprehensive vs Optima Secure

Comprehensive vs Super Mediclaim

Comprehensive vs Health Recharge

Comprehensive vs Cancer Cover Activ Cancer Secure Plan

Comprehensive vs Optima Secure Plus

Young Star vs Optima Secure

Young Star vs Super Mediclaim

Young Star vs Health Recharge

Young Star vs Cancer Cover Activ Cancer Secure Plan

Young Star vs Optima Secure Plus

Oneassure

Health Insurance

Compare Health Insurance Plans

Comprehensive Vs Young Star

Policy Pal

Chat with PolicyPal

Get a free policy review

No pressure. No product push. Just honest advice.