What is the waiting period under the Star Young Star Plan?

A 30-day initial waiting period applies, except for accidents. Pre-existing conditions and specific illnesses have waiting periods of up to 48 months.

What happens if I don’t make any claims during the policy year?

You receive a No Claim Bonus (NCB), which increases your sum insured for each claim-free year, up to a set limit.

Does the Star Young Star Plan cover international treatments?

The policy primarily covers treatments within India. Some optional add-ons may provide limited international coverage for emergencies—check with the insurer.

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Health Insurance

Star

Young Star

Star Young star policy

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

0

Customer Rating

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82.31

Claim Settlement Ratio

14000

Network Hospitals

0

Customer Rating

Our Verdict

Expert Review: Star Health Insurance

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

About Star Health Insurance

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...

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...

Inclusions and Exclusions

Inclusions and Exclusions of Star Insurance Company Limited

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.

Cashless Healthcare Providers

14,000+ network hospitals

Daycare Treatment

All day care procedures are covered.

AYUSH Treatment

Covered by the policy.

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.

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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.

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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...

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;...