Star Young star policy
Star
Highlighted Features
Room Rent (Normal & ICU)
The Star Health Young Star Policy offers coverage for hospitalization expenses, including room (Single Private A/C room), boarding, and nursing expenses. There is no capping on room rent, allowing the insured to avail treatments in a single private A/C room.
Cashless healthcare
The Star Health Young Star Policy offers cashless treatment at 14,000+ hospitals across India, including 460+ in Bengaluru like Manipal, Apollo, and Fortis, allowing policyholders to access care without upfront payments.
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Our 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 the Plan
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.
About the Plan
Features of the Product
Advanced Treatments
Coverage includes robotic surgeries, stem cell therapy, organ transplants, modern cancer treatments, bariatric surgery, and advanced cardiac procedures as per policy terms.
Room Rent
- Normal: Single Private A/C room
- ICU: no limit
Co-payment
No mandatory co-payment options.
Waiting Period
- Initial Waiting Period: A 30-day waiting period applies from the policy's inception, during which claims are not admissible, except for those arising from accidents.
- Pre-existing Disease Waiting Period: For the Silver plan, pre-existing diseases are covered after 48 months of continuous coverage. For Gold and Platinum plans, this period is reduced to 24 months.
- Specific Disease/Procedure Waiting Period: For individuals above 45 years of age, certain listed illnesses and procedures are covered after a 24-month waiting period from the policy's inception.
- Initial Waiting Period: A 30-day waiting period applies from the policy's inception, during which claims are not admissible, except for those arising from accidents.
Cashless Healthcare Providers
14,000+ network hospitals
Daycare Treatment
All day care procedures are covered.
AYUSH Treatment
Covered by the policy.
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.
External medical devices, prosthetics, and assistive aids not covered unless post-surgery.
Experimental treatments and unproven procedures excluded.
Exclusions
Related Variants
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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 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.
About the Company
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