Star Health Insurance Super Star Plan

Star Health’s Super Star Plan is one of the most comprehensive medical insurance policies in India, tailored for individuals and families seeking high-value health coverage with flexibility and lifelong renewability.

With coverage starting from ₹7.5 lakhs and going up to ₹1 crore, and even an unlimited sum insured option under the Limitless Care feature, this plan adapts to your life stage and evolving healthcare needs.

Available both online and through agents across India, the Super Star Plan empowers policyholders with tools to freeze their age, restore coverage automatically, and even access AI-based health monitoring through the Star Health app.

Key Features of the Super Star Plan

Here’s what truly differentiates the Super Star Plan:

  • High Sum Insured Flexibility: ₹7.5L to ₹1 Cr, plus an Unlimited Sum Insured option.

  • Freeze Your Age: Pay premiums based on your entry age until a claim is made.

  • Quick Shield Cover: Pre-existing conditions like diabetes, asthma, hypertension, CAD, and high cholesterol covered from Day 31.

  • Automatic Restoration: Unlimited restoration for related or unrelated illnesses during the policy year.

  • Choose Any Room: No room rent restrictions at network hospitals.

  • Cashless Access: Available at 14,000+ hospitals across India.

  • Wellness Rewards: Earn up to 20% discount on renewal premiums.

  • No Claim Bonus (NCB): 50% increase in sum insured annually, up to 100%.

The policy also offers cashless treatment at 14,000+ network hospitals, along with automatic restoration of sum insured if it’s exhausted during the policy year.

Coverage and Sum Insured Options

Choose from five base plans or go beyond with higher or limitless coverage:

Super Star 1010,00,000

Plan OptionCoverage Amount (₹)
Super Star 7.57,50,000
Super Star 1515,00,000
Super Star 2020,00,000
Super Star 2525,00,000
UnlimitedNo cap (Limitless)

Included Coverage in Super Star Plan :

  • Hospitalization expenses including ICU charges
  • Daycare procedures (no 24-hour stay needed)
  • AYUSH treatments (Ayurveda, Homeopathy, Unani, Siddha, Yoga)
  • Organ donor expenses
  • Home care treatment (for asthma, fever, cancer, etc.)
  • Air ambulance & road ambulance
  • Teleconsultations via app
  • Dental check-ups (under long-term policy)
  • Second medical opinions (domestic & international)

Co-payment clauses:

  • 15% in non-network hospitals
  • 10% for policyholders aged 60+

Eligibility

The Super Star Plan is available for:

  • Adults aged 18 to 65 years
  • Children from 91 days to 25 years (when included in a family floater)

There’s no upper age limit for policy renewal, so once enrolled, you can keep it for life.

Who should buy Super Star Plan?

  • Families looking for floater coverage
  • Working professionals aged 30+
  • Senior citizens needing a higher insured amount
  • Anyone switching from low-coverage policies

The plan suits people who want higher hospital cover without major restrictions on room rent or treatment types.

What’s Not Covered (Exclusions)

Despite its depth, the Super Star Plan excludes certain treatments:

  • Weight-loss & obesity-related treatments

  • Supplements & wellness products

  • Alcoholism or substance abuse

  • Vaccinations (non-mandatory)

  • Cosmetic or plastic surgery (unless medically required)

  • Adventure sports injuries

  • Unproven treatments or experimental procedures

  • Intentional self-injury

Also excluded:

  • HIV/AIDS-related costs

  • War or nuclear-related injuries

Be sure to review the policy document for complete clause language and waiting periods.

How to Buy Super Star Plan From Star Health Insurance?

Getting covered under the Super Star Health Insurance Plan from Star Health Insurance is straightforward, quick, and gives you the protection you need against high medical expenses. Here’s how you can get started today:

  • Discuss Your Requirements: Let’s begin with a quick conversation to understand your needs—whether you’re looking for individual protection, family coverage, or specific add-ons. Based on your lifestyle, health priorities, and budget, we’ll help you choose the right Super Star Plan that fits perfectly.
  • Contact a Star Health Insurance Agent:  Call a licensed Star Health Insurance Agent now at 📞 7347595768. You’ll get expert guidance every step of the way—from understanding benefits to getting your policy issued.
  • Share Essential Information: I’ll ask you for a few basic details such as your age, medical history, and contact information. This will help us generate a personalized quote tailored to your health and coverage goals.
  • Get Your Customized Quote: Based on your inputs, I’ll provide a quote that outlines your premium and full coverage details—including features like cashless hospitalization, day care procedures, and pre- & post-hospitalization benefits under the Super Star Plan.
  • Submit Required Documents: To proceed, you’ll need to share key documents such as:
    • Valid ID Proof (Aadhaar, PAN, Passport, etc.)

    • Address Proof

    • Health declarations (if any)

  • Make the Payment: Once everything checks out, you can complete your purchase through secure online payment or any authorized payment channel. It’s quick, easy, and completely paperless.
  • Receive Your Policy Instantly: Upon successful payment, your Super Star Health Insurance policy will be instantly issued and sent directly to your email. You’re now officially covered—and ready for any medical emergencies that come your way.

Premium For Super Star Plan

Premiums vary based on age, sum insured, and plan type.

The premium for the Star Health Super Star Plan varies based on factors such as the sum insured, age, policy term, and optional covers selected. While exact premium amounts aren’t specified in the available sources, you can use the Star Health Premium Calculator to obtain a personalized quote.

Key Features of the Super Star Plan:

  • Sum Insured Options: ₹5 lakh to ₹1 crore, including an unlimited sum insured option.

  • Age Freeze Benefit: Locks in your entry age for premium calculations until a claim is made or you turn 55.

  • Automatic Restoration: 100% restoration of the sum insured an unlimited number of times in a policy year.

  • Optional Covers: Up to 21 add-ons, including maternity benefits, dental check-ups, and wellness programs.

  • Wellness Program: Earn points through healthy activities to avail discounts on renewal premiums.

Premium Reduction Options:

  • Voluntary Deductible: Choose a deductible amount (e.g., ₹10,000 to ₹10 lakh) to lower your premium.

  • Room Rent Modification: Opt for specific room categories to adjust your premium.

  • Voluntary Co-Payment: Agree to pay a percentage of claims to reduce premium costs.

For a detailed premium estimate tailored to your specific requirements, it’s advisable to use the Star Health Premium Calculator or consult with a licensed Star Health Insurance agent at 7347595768

Competitor Comparison

FeatureStar Super StarHDFC Ergo OptimaNiva Bupa ReAssure
Max Sum InsuredUnlimited₹50L₹1 Cr
Room RentNo CapPrivate RoomNo Cap
PED WaitingDay 31 (with QS)3 years3 years
Pre-Post Hospital Cover60 / 90 days60 / 180 days60 / 90 days
Restore BenefitUnlimitedOnce per yearUnlimited
Maternity CoverOptionalAfter 2 yrsAfter 2 yrs
Network Hospitals14,000+12,000+8,600+

FAQ

You can cover yourself, your spouse or live-in partner, and up to four dependent children under one Super Star Floater policy.

If you choose a 5-year plan, you get premium discounts on renewal:

  • 10% in the 2nd year
  • 12.5% in the 3rd year
  • 14% in the 4th year
  • 16% in the 5th year
The policy offers an Unlimited Sum Insured option.
Customers above 65 years can opt for a maximum Sum Insured of ₹50 Lakhs.
Yes. Renew your policy 30 days before the due date and get a 2.5% discount. This early renewal discount applies for the first three renewals and only if no claim is made under in-patient or day care treatments in the current policy.
There’s no cap on room rent. You can choose any room during hospitalization.

If the proposer (who is also insured) dies in an accident or is diagnosed with any of the 54 listed critical illnesses, the next renewal premium is waived off for one year.
This waiver includes optional covers and applies to floater and multi-individual policies.

Only the used portion of the Cumulative Bonus gets deducted. The remaining balance carries forward to the next year.
Yes, but only in the 2nd and 3rd years of your first-time Super Star policy. Under floater policies, only one insured person gets this benefit per policy year.
If you’re under 50 when you buy the policy, your premium stays locked at that entry age. You’ll keep paying the same premium at renewal until your first claim or until you turn 56—whichever happens first.
Yes. The ‘Super Star Bonus (Guaranteed Bonus)’ optional cover gives you a 100% bonus of your expiring Sum Insured every year. This bonus is available up to an unlimited Sum Insured—but not if you’ve already opted for the Unlimited Sum Insured option.
You can get a second opinion from the insurer’s international medical panel. Call us at 7347595768 and send your medical reports to us. Each insured person can use this once per year, whether on an individual, floater, or multi-individual policy. This service is for medical advice only—not legal use
Yes. If prescribed by your doctor after hospitalization, charges for renting or buying listed equipment are covered up to ₹5 Lakhs, once during the policy’s lifetime.
You get health check-up benefits from Day 1, up to 1% of your Sum Insured, capped at ₹25,000 per policy year. This also includes vaccination costs.

This cover pays for one in-patient or day care treatment without any cap on the Sum Insured during the policy’s lifetime.
(Not available if you’ve selected the Unlimited Sum Insured option.)

Up to 4 deliveries are covered if you opt for the Maternity Expenses cover.

For a newly added spouse, the following waiting periods are waived off:

  • Initial Waiting Period
  • Pre-Existing Disease Waiting Period
  • Specified Diseases Waiting Period
  • Maternity Waiting Period (if you opted for the maternity cover)
Coverage for listed Pre-Existing Diseases begins on the 31st day from policy start, if the conditions were disclosed and approved by underwriting.

The premium chart lists prices based on age, policy term, and chosen Sum Insured.
It helps you compare costs and pick the right plan.
For detailed pricing, talk to a Star Health agent at 7347595768

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