Who is Young Star designed for?

Young Star is designed for eligible adults in the young age group and their families, subject to policy eligibility conditions.

What is the Silver Plan?

The Silver Plan is one of the plan options under Young Star Insurance Policy and provides the core hospitalisation, daycare, restoration, cumulative bonus and wellness benefits.

How does automatic restoration work?

The Basic Sum Insured is automatically restored by 100% after partial or full utilisation, subject to policy conditions.

How much cumulative bonus can be earned?

A 20% Cumulative Bonus is available for each claim-free year, up to 100% of the Basic Sum Insured.

What is the PED waiting period?

The PED waiting period is 12 months of continuous coverage, subject to declaration and acceptance.

What is the waiting period for specified procedures?

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

How can cashless hospitalisation be used?

Cashless hospitalisation is available through network hospitals, subject to the required claim process.

What room category is covered?

The policy provides a Single Private A/C Room, with proportionate deductions possible for a higher room category.

Does Young Star Silver cover maternity?

No. The delivery expense benefit is specified only for the Gold Plan under Young Star Insurance Policy.

Is a Hospital Cash Benefit available?

Yes. The policy provides ₹1,000 for each completed day of hospitalisation, subject to the stated limits and a one-day deductible.

OneAssure

Health Insurance

Star

Young Star Silver

Star Young Star Silver

For adults from 18 to 40, get a single private air-conditioned room, an automatic 100% restoration of the basic sum insured when cover is used, and a 20% cumulative bonus each claim-free year up to 100%.

82.31%

Claim Settlement Ratio

14,000+

Network Hospitals

2/10

Plan Rating

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Our Verdict

Expert Review: Star Young Star Silver

Final Verdict

The Star Young Star Silver Plan is designed for young individuals and families looking for comprehensive health insurance at an affordable premium. It covers hospitalization expenses, daycare procedures, modern treatments, and pre- and post-hospitalization costs while offering access to a large cashless hospital network. If you're purchasing your first health insurance policy and want dependable coverage with essential health benefits, the Young Star Silver Plan is a practical choice for long-term financial protection.

About

What Is Young Star Silver?

The Star Young Star Silver Plan is a comprehensive health insurance policy that provides financial protection against a wide range of medical expenses. Designed primarily for young adults and families, the plan covers in-patient hospitalization, pre- and post-hospitalization expenses, daycare procedures, domiciliary treatment, ambulance charges, AYUSH treatments, and modern medical procedures as per policy terms.
The policy offers multiple sum insured options, making it suitable for different healthcare needs and budgets. Policyholders also benefit from cashless treatment across Star Health's extensive network of hospitals, helping reduce out-of-pocket expenses during medical emergencies.
In addition to hospitalization coverage, the plan includes features such as annual health check-ups, lifelong renewability, and wellness-related benefits, depending on the policy terms. With comprehensive medical coverage and flexible sum insured options, the Star Young Star Silver Plan is suitable for individuals and families looking for reliable health insurance with long-term protection.

Silver Ratings

Silver

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

No

Waiting Period Waiver

Add on

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

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Inclusions

Star Young Star Silver Inclusions

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

ICU Charges

No restriction on ICU room rent

Disease-wise sublimits

No

Co-payment

Not Available

Restoration Benefit

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

Cumulative Bonus

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

Initial Waiting Period

30 days.

Specific Waiting Period

1 year

PED Waiting Period

1 year

Modern Treatment

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

Annual Health Checkup

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

Consumable Cover

Yes

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

Pre-Hospitalisation

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

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)

OPD expense is not included

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

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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.