Oneassure

Partner with us

Insurance Plans Comparison

Star Young Star Silver vs Star Young Star

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

Read more
Star

Young Star Silver

Star Young Star Silver

What Makes It Special:

Young Star Insurance Policy is designed for eligible young adults and their families, with Silver and Gold Plan structures. The Silver Plan provides hospitalisation and daycare coverage with automatic restoration, cumulative bonus, health check-up, wellness benefits and Hospital Cash Benefit.

Best For:

  • Global treatment and maternity cover

  • Unlimited loyalty and wellness benefits

  • Flexible high-limit coverage plan

  • Smart young adult health protection

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 Young Star Silver

  • You prefer coverage for AYUSH, diagnostics, and emergencies

  • You seek maternity and newborn coverage included

  • You need cashless hospital treatment nationwide

  • You prefer no medical screening for easy access

  • You want high coverage options up to ₹1 crore

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

Young Star Silver
Young Star Silver

Health Insurance Plan

Brochure

Policy Wording

VS
Young Star
Young Star

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Young Star Silver

Single Private Room is included as part of base cover. However, you can opt for Room Modifier Add-on to upgrade or downgrade the room category

VS

Young Star

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


ICU Charges

Young Star Silver

No restriction on ICU room rent

VS

Young Star

Covered as part of hospitalisation expenses

Disease-wise sublimits

Young Star Silver

No

VS

Young Star

Applicable limits may apply to specific treatments and benefits


Co-payment

Young Star Silver

Not Available

VS

Young Star

No standard co-payment specified in the supplied policy document

Restoration Benefit

Young Star Silver

Yes, your sum insured restores to 100% each time you make a claim in a policy year, for both related and unrelated illnesses

VS

Young Star

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


Cashless Healthcare Providers

Young Star Silver

13000+ Healthcare Providers

VS

Young Star

Cashless hospitalisation available through Star Health network hospitals

Cumulative Bonus

Young Star Silver

Your sum insured increases by 20% every year, maximum up to 100%

VS

Young Star

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

Daycare Treatment

Young Star Silver

Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured

VS

Young Star

All Day Care Procedures Covered

Consumable Cover

Young Star Silver

Yes

VS

Young Star

Not specifically mentioned in the supplied policy document


AYUSH Treatment

Young Star Silver

Covers AYUSH treatment expenses up to your annual sum insured during the policy period

VS

Young Star

Covered, subject to applicable policy terms


Initial Waiting Period

Young Star Silver

30 days.

VS

Young Star

30 Days, except for eligible accident-related claims

Specific Waiting Period

Young Star Silver

1 year

VS

Young Star

12 Months for specified diseases and procedures


PED Waiting Period

Young Star Silver

1 year

VS

Young Star

12 Months for pre-existing diseases and their direct complications


Modern Treatment

Young Star Silver

Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period

VS

Young Star

Covered subject to applicable limits

Annual Health Checkup

Young Star Silver

Health check-up is available once every policy year, from day 1 of the policy

VS

Young Star

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


Pre-Hospitalisation

Young Star Silver

You get cover for medical tests and doctor visits up to 60 days before hospitalisation, if your main claim is approved

VS

Young Star

Covered for up to 60 Days

Post-Hospitalisation

Young Star Silver

You get cover for medical bills up to 90 days after discharge, including physiotherapy if your doctor prescribes it

VS

Young Star

Covered for up to 90 Days

Outpatient Department Cover (OPD Expense)

Young Star Silver

OPD expense is not included

VS

Young Star

Not specified as a standard OPD benefit

Deductible Option

Young Star Silver

Available as an option

VS

Young Star

1-day deductible applies to the Hospital Cash Benefit


Coverage Options

Young Star Silver

Available coverage options:₹3L, ₹5L, 10L, 15L, 20L, 25L, 50L, 75L and 1 Cr

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

Young Star Silver

82.31%

VS

Young Star

Not specified in the supplied policy document

Maternity Cover

Young Star Silver

Available

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

Young Star Silver vs Optima Secure

Young Star Silver vs Super Mediclaim

Young Star Silver vs Health Recharge

Young Star Silver vs Cancer Cover Activ Cancer Secure Plan

Young Star Silver 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

Young Star Silver Vs Young Star

Policy Pal

Chat with PolicyPal

Get a free policy review

No pressure. No product push. Just honest advice.