
Star Health Young Star Gold Plan
82.31%
Claim Settlement Ratio
14,000+
Network Hospitals
2/10
Plan Rating
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Our Verdict
Expert Review: Star Young Star Gold
Final Verdict
About
What Is Young Star Gold?
Gold Ratings
Gold
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
Yes
Waiting Period Waiver
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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.
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Inclusions and Exclusions
Star Young Star Gold Inclusions and Exclusions
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
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
About Star
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
This content has been reviewed by Aman Shetty, Senior Insurance Advisor | BQP code: 33905
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