Who is eligible for the Young Star Insurance Policy?

Adults between 18 and 40 years are eligible. Dependent children from 91 days to 25 years can be covered under a family floater policy.

Is lifelong renewal available under Young Star?

Yes. The policy provides lifelong renewability, subject to the applicable policy terms and renewal conditions.

What is the Automatic Restoration Benefit?

The Basic Sum Insured is automatically restored by 100% after partial or full utilisation, subject to policy conditions. The restored amount can be used for eligible claims during the policy period.

How does the Cumulative Bonus work?

A Cumulative Bonus of 20% of the Basic Sum Insured is added for every claim-free year, up to a maximum of 100% of the Basic Sum Insured.

Does Young Star provide a maternity benefit?

Yes, the Gold Plan provides delivery expenses up to ₹30,000 per delivery, subject to a 36-month waiting period and other eligibility conditions.

What is the waiting period for pre-existing diseases?

The waiting period for pre-existing diseases and their direct complications is 12 months of continuous coverage from the inception of the first policy, subject to the policy conditions.

How can I avail cashless hospitalisation?

Cashless hospitalisation is available at network hospitals. For planned hospitalisation, the required pre-authorisation process should be followed. In an emergency, the company should be informed within 24 hours of hospitalisation.

What happens if I am admitted to a room higher than the eligible room category?

The policy provides for a Single Private A/C Room. If a higher room category is selected, hospitalisation expenses that vary with room rent may be subject to proportionate deductions.

What Sum Insured options are available?

Options range from ₹3 Lakh to ₹1 Crore. The ₹3 Lakh option is available only on an individual basis, while higher options are available on individual and family floater bases.

Does Young Star cover daycare treatment?

Yes. The policy states that all daycare procedures are covered, subject to the applicable policy terms.

OneAssure

Health Insurance

Star

Young Star

Star Young star policy

Restore the basic sum insured by 100% for later claims in the same year, add a 20% cumulative bonus each claim-free year up to 100%, and get 25% extra cover, up to ₹10 lakh, after a helmeted two-wheeler accident.

82.31%

Claim Settlement Ratio

14,000+

Network Hospitals

2/10

Plan Rating

Policy Brochure

Get a Quote

Our Verdict

Expert Review: Star Young Star

Final Verdict

Star Young Star offers tailored plans for 18-40 year olds with a strong no-claim bonus and renewal discounts. The optional 'Extra Protect' enhances limits, making it ideal for health-conscious young adults and families seeking comprehensive and rewarding coverage.

About

What Is Young Star?

The Star Young Star Insurance Policy is a comprehensive health insurance plan tailored for individuals aged 18 to 40, with lifelong renewal options. It offers two variants—Silver and Gold—allowing policyholders to choose coverage that best suits their needs. The policy provides extensive benefits, including coverage for in-patient hospitalization, pre and post-hospitalization expenses, all day-care procedures, and modern treatments. Additionally, it offers a cumulative bonus of 20% of the sum insured for each claim-free year, up to a maximum of 100%. Policyholders can also avail of wellness discounts of up to 10% during renewals by engaging in specified wellness activities. The plan accommodates family coverage, including economically dependent children aged 91 days to 25 years. Notably, if an individual enrolls before turning 36 and continues the policy beyond 40, a 10% discount is applied to subsequent renewals. For enhanced protection, the optional Young Star Extra Protect add-on cover is available, which increases limits for room rent, AYUSH, and modern treatments, and covers non-medical expenses during hospitalization.

Young Star Ratings

Young Star

Insurer Rating

7.07

out of 10

Insurance Rating

2

out of 10

No Room Rent Limit

No

Consumables Covered

No

No Co-payment

Yes

Loyalty Bonus >= 500%

Yes

No Disease Sublimits

No

Unlimited Restoration

No

Additional Benefits (Informational Only — Not part of score)

PED Waiting <= 2 Years

Yes

Maternity Available

Add on

Waiting Period Waiver

No

Testimonials

Real People. Real Relief

These are the moments that show what we really do. We don't sell you a policy. We stand by you when it matters most.

I want to sincerely thank Sunad for being there for me throughout the entire claim process. He helped me through so many ups and downs, always patient and ready to support when things got tough. I honestly don’t know how I would have managed without his guidance and encouragement. Sunad made a difficult situation feel a lot less stressful, and I’m truly grateful for his kindness and steadfast help.

Prashant Pandey

Mumbai, Maharashtra

Had a great experience with them during a difficult time. After my mother’s accident, we had to pay the hospital bill upfront, as cashless wasn’t available. They guided us through the reimbursement process, helped file the claim, and consistently followed up with the insurer until it was settled. Their support with the post-hospitalization claim was equally prompt and thorough.

Jatin Gala

Mumbai, Maharashtra

My heartfelt thanks to the OneAssure team for making my insurance claim process effortless. Right from the very first interaction, they demonstrated professionalism, clear communication, and an impressive command of the procedures involved. Their swift updates, timely guidance, and persistent follow-through removed all the stress from what could have been a complicated experience.

Anju Renjith

Bengaluru, Karnataka

I am truly grateful for the support and guidance I received in settling my insurance claim. The entire process was handled with great professionalism, clarity, and efficiency. Their prompt response, deep knowledge of the procedures, and consistent follow-ups ensured a smooth and hassle-free experience.Thank you once again for your invaluable help, highly recommended!

Yogesh Meena

Jaipur, Rajasthan

I recently had the pleasure of purchasing health insurance for my parents through this company, and my experience has been exceptional...The team was incredibly patient and took the time to explain every detail to me. No matter how many times I asked questions, they were always calm and thorough in their explanations. Their professionalism and dedication made a significant difference in helping me make an informed decision.

Akash Kumar

West Bengal

swipe

Inclusions and Exclusions

Star Young Star Inclusions and Exclusions

Modern Treatment

Covered subject to applicable limits

ICU Charges

Covered as part of hospitalisation expenses

Cumulative Bonus

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

Consumable Cover

Not specifically mentioned in the supplied policy document

Initial Waiting Period

30 Days, except for eligible accident-related claims

Specific Waiting Period

12 Months for specified diseases and procedures

PED Waiting Period

12 Months for pre-existing diseases and their direct complications

Annual Health Checkup

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

Post-Hospitalisation

Covered for up to 90 Days

Outpatient Department Cover (OPD Expense)

Not specified as a standard OPD benefit

Deductible Option

1-day deductible applies to the Hospital Cash Benefit

Coverage Options

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

Maternity Cover

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

AYUSH Treatment

Covered, subject to applicable policy terms

Co-payment

No standard co-payment specified in the supplied policy document

Pre-Hospitalisation

Covered for up to 60 Days

Claim Settlement Ratio

Not specified in the supplied policy document

Room Rent

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

Cashless Healthcare Providers

Cashless hospitalisation available through Star Health network hospitals

Daycare Treatment

All Day Care Procedures Covered

Disease-wise sublimits

Applicable limits may apply to specific treatments and benefits

Restoration Benefit

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

Exclusions

Congenital diseases, anomalies, and genetic disorders excluded.
Expenses for weight control, hormone therapy, and fertility treatments not covered.
Self-inflicted injuries, substance abuse, and addiction treatment excluded.
Injuries or diseases due to war, nuclear hazards, or biological weapons excluded.
Maternity expenses excluded unless specifically covered.

Insurance Premium Calculator

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

Name

Phone Number

Email

Your Enquiry

Name

Phone Number

Email

Your Enquiry

About the company

About Star

Star Health and Allied Insurance Co. Ltd is considered one of the major standalone insurers in India. Today, a bulk of insurance policyholders are served by Star Health in India. Plans are offered pertaining to individual health, family floater, senior citizen, critical illness, top-up and super top-up, personal accident, disease specific, maternity, and corporate/group insurance.
A cashless hospital network of over 14,000 hospitals nationwide is the big number that helps to keep Star Health's reputation; that way, customers can gain access to quality treatment and services without having to give any upfront payments. As per the plan, treatment can include hospitalization, along with pre-and post-hospitalization expenses, day-care procedures, AYUSH treatments, ambulance charges, and maternity benefits, etc. Policyholders also enjoy benefits such as no-claim bonuses, automatic sum insured restoration, and preventive health check-ups.
Focusing on their customers' convenience, the insurer provides online policy management, claim tracking, and immediate claim settlement. Star Health looks forward to becoming the provider of financial security against medical emergencies while promoting health and well-being among individuals, families, and corporate clients, making it one of the trusted names in India's health insurance band.

FAQs

Frequently Asked Questions

Got questions about health insurance? You're not alone. Here are some of the most commonly asked questions to help you understand plans, coverage, claims, and benefits better.