Star Health Young Star Gold Plan
Star
8.1/10
OneAssure Rating
8.1/10
OneAssure Rating
Highlighted Features
Room Rent (Normal & ICU)
Offers a single private A/C room for normal hospitalization with no limit on ICU charges, ensuring high-quality medical care without financial constraints.
Advanced Treatments
Covers specialized treatments like robotic surgeries, deep brain stimulation, and immunotherapy, ensuring access to advanced medical procedures without financial burden.
Brochure
Policy Wording
Explore more features
Our 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 the Plan
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.
About the Plan
Product Stats
Rating
Features of the Product
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
99.21%
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.
Treatments related to obesity or weight control programs.
Non-medical expenses such as dietary supplements and wellness products.
Hospitalization primarily for diagnostic purposes without active treatment.
Exclusions
Related Variants
Looking for a Specific Hospital ?
Why OneAssure?
We help you maximize your coverage over time for stronger protection.
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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Still Confused ?
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.
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.
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