How does the waiting period affect my coverage?

The Star Young Gold policy has a waiting period of 12 months for pre-existing diseases and specified conditions. Initial waiting periods of 30 days apply, except for accidents, which are covered immediately.

What happens if I don’t use my health insurance benefits for the entire year?

If no claims are made, the policy offers a cumulative bonus, increasing the sum insured by 10% for each claim-free year, up to a maximum of 100%, enhancing overall coverage.

Will my health insurance cover treatment abroad?

The Star Young Gold policy does not provide global treatment coverage. It is limited to treatments received in India, and overseas medical expenses are not covered under this plan.

OneAssure

Health Insurance

Star

Young Star Gold

Star Health Young Star Gold Plan

Experience India's most trusted health insurance with Star Health Insurance. Get instant cashless treatment at 14000 network hospitals with sum insured up to ₹50 lakhs.

82.31

Claim Settlement Ratio

14000

Network Hospitals

8.1

Customer Rating

Policy Brochure

Policy Policy Wording

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82.31

Claim Settlement Ratio

14000

Network Hospitals

8.1

Customer Rating

Policy Brochure

Policy Policy Wording

Our Verdict

Expert Review: Star Young Star Gold

Final Verdict

The Star Health Young Star Insurance Policy offers comprehensive coverage for young individuals and families, including maternity, wellness programs, and critical illness benefits. Ideal for those seeking proactive health management and financial security.

About

About Star Young Star Gold

The Star Health Young Star Insurance Policy is designed for individuals aged 18-40, with dependent children (91 days-25 years) covered under a floater plan. Available in Silver and Gold variants, it covers hospitalization, road accidents from day one, and ambulance charges. Key benefits include no room rent cap, automatic sum insured restoration, wellness programs, and annual health check-ups. With lifelong renewals and flexible sum insured options, this policy ensures financial security and proactive health management for young individuals and families.

The Star Health Young Star Insurance Policy is designed for individuals aged 18-40, with dependent children (91 days-25 years) covered under a floater plan. Available in Silver and Gold variants, it covers hospitalization, road accidents from day one, and ambulance charges. Key benefits include no room rent cap, automatic sum insured restoration, wellness programs, and annual health check-ups. With lifelong renewals and flexible sum insured options, this policy ensures financial security and proactive health management...

Gold Ratings

Ratings: Star Gold

Insurer Rating

7.07

out of 10

Insurance Rating

6.25

out of 10

No Room Rent Limit

Yes

Consumables Covered

No

No Co-payment

Yes

Loyalty Bonus >= 500%

Yes

No Disease Sublimits

Add on

Unlimited Restoration

Add on

Additional Benefits (Informational Only — Not part of score)

PED Waiting <= 2 Years

Add on

Maternity Available

Yes

Waiting Period Waiver

Yes

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

Inclusions and Exclusions of Star Young Star Gold

Cumulative Bonus

Sum insured increases by 20% every year, up to 100% max

Consumable Cover

Yes

Specific Waiting Period

1 year

PED Waiting Period

1 year

Annual Health Checkup

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

Daycare Treatment

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

AYUSH Treatment

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

Post-Hospitalisation

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

Outpatient Department Cover (OPD Expense)

Not covered under base plan (available as add-on)

Deductible Option

Available as an option

Cashless Healthcare Providers

13000+ Healthcare Providers

Coverage Options

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

Claim Settlement Ratio

82.31%

Maternity Cover

Available

Restoration Benefit

Sum insured restores to 100% after each claim during the policy year

Initial Waiting Period

30 days.

Modern Treatment

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

Pre-Hospitalisation

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

ICU Charges

No restriction on ICU room rent

Disease-wise sublimits

Yes, certain diseases have coverage limits

Co-payment

Not Available

Room Rent

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

Cumulative Bonus

Sum insured increases by 20% every year, up to 100% max

Consumable Cover

Yes

Specific Waiting Period

1 year

Exclusions

Treatment for pre-existing diseases during the waiting period.
Injuries due to self-inflicted harm, suicide attempts, or substance abuse.
Cosmetic or plastic surgery unless required due to an accident.
Expenses related to infertility and reproductive treatments.
Experimental or unproven medical treatments.

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About the company

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...

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;...

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.