The Young Star Insurance Policy from Star Health Insurance is perfect for young adults with unique healthcare needs. This all-encompassing policy covers everything from hospitalization expenses to daycare procedures, as well as pre- and post-hospitalization costs. It puts a strong emphasis on wellness and preventive care, offering benefits like health check-ups and wellness programs. Modern treatments are also covered, and you can even earn a no-claim bonus for each claim-free year, which adds extra value. Specifically designed for the busy lifestyles of young individuals, this policy provides financial security and peace of mind. With the Young Star Insurance Policy, you can focus on your dreams and goals without the worry of medical expenses weighing you down.
The Young Star Insurance Policy is a comprehensive health insurance plan designed to provide complete coverage for individuals during the prime years of their lives. This policy is tailored for adults aged between 18 and 40 years, as well as their financially dependent children aged from 91 days to 25 years.
When choosing the Young Star Insurance Policy, individuals can opt for either the Silver Plan or the Gold Plan, depending on their specific needs and preferences.
With a range of Sum Insured options available, starting from Rs. 3 Lakhs to Rs. 1 Crore for Individual Policies and Rs. 5 Lakhs to Rs. 1 Crore for Floater Policies, this plan covers the hospitalization expenses for the insured individuals and their families in case of in-patient treatment. Additionally, it comes with modern features and does not require any pre-medical screening, making it convenient for policyholders to access the benefits.
Star Young Star Insurance Policy
The Star Young Star Insurance Policy is designed to provide coverage for individuals up to the age of 40 years. This policy offers coverage for medical expenses related to hospitalization, ambulance charges, mid-term inclusion, automatic restoration, and more. It also includes special features such as no cap on room rent.
Individuals have the option to purchase the Star Young Star Insurance Policy on either an individual or family floater basis, with various sum insured choices available. Under this policy, individuals can choose between a gold plan or a silver plan based on their specific requirements.
Understanding the details of the Young Star Insurance Policy is important as it helps in recognizing its significance and the benefits it offers.
Young Star Insurance Policy Inclusions
The Young Star Insurance Policy provides a wide range of coverages to ensure comprehensive protection for individuals. Here are the key inclusions offered under the Star Young Star Health Insurance policy:
- The plan covers hospitalization expenses, including room rent, nursing expenses, specialist’s fees, and ICU charges.
- Emergency Road Ambulance Charges are included in the coverage.
- Pre-hospitalization expenses, incurred before hospital admission, are covered for up to 60 days.
- Post-hospitalization expenses, covering medical costs up to 90 days after discharge, are included.
- Daycare procedures requiring less than 24 hours of hospitalization are covered.
- Insured individuals can seek e-medical opinions from the insurer’s panel of experts.
- A cumulative bonus of 20% of the Basic Sum Insured can be claimed for each claim-free year.
- Advanced treatments like deep brain stimulation, balloon sinuplasty, and oral chemotherapy are covered.
- Delivery expenses up to Rs 30,000 per delivery are covered under the Gold plan.
- Hospital cash benefit provides a daily cash allowance of Rs 1000 for up to 7 days per hospitalization and 14 days per policy period under the Gold plan.
These inclusions ensure that policyholders have access to modern and comprehensive coverage for their healthcare needs.
What are the additional coverages under the Young Star Insurance Policy?
In addition to the existing benefits, the Young Star Insurance Policy also offers the following advantages:
Health Check-ups: Expenses related to health check-ups are covered every policy year under this policy.
Automatic Restoration of Basic Sum Insured: This policy provides the advantage of automatic restoration of the basic sum insured. If the sum insured limit is exhausted, the insured person can benefit from the automatic restoration of the sum insured until it reaches 100%, except for modern treatments.
In-patient Hospitalization due to Road Traffic Accident: Coverage is provided once in a policy year for in-patient hospitalization due to a road traffic accident, on the condition that the insured person was wearing a helmet and was riding a two-wheeler.
Star Wellness Program: The insured person can benefit from the Star Wellness Program, which offers rewards for wellness activities and for maintaining a healthy lifestyle. These rewards can be used to obtain savings on premium payments.
These additional advantages enhance the overall value and benefits of the Young Star Insurance Policy for the insured individuals.
Star Young Star Insurance Policy Exclusions
While the Young Star Insurance Policy offers a comprehensive range of inclusions, it also specifies certain exclusions. Below are the exclusions outlined in the Star Young Star Insurance Policy:
- Pre-existing diseases are not covered for the first year of the policy.
- Specified diseases come with a waiting period of 12 months and are excluded from coverage.
- No expenses are covered during the initial 30-day waiting period, except in cases of accidents.
- Expenses for rest cure or respite care treatments are excluded from coverage.
- Treatment expenses related to obesity and gender change are not included.
- Costs for cosmetic or plastic surgery treatments are not covered.
- Expenses for alcoholism, drug addiction, sterility, and infertility-related treatments are excluded.
- Circumcision treatment costs are not covered under this plan.
- Medical expenses resulting from intentional self-injury and sexually transmitted diseases (STDs) are not covered.
- Costs associated with medical treatments due to war, invasion, or nuclear weapon attacks are excluded.
- Existing specified diseases expenses are not covered.
These exclusions help clarify the limitations of coverage under the Young Star Insurance Policy, ensuring transparency and understanding for policyholders.
What is a Young Star Extra Protect-Add on Cover?
The Young Star Extra Protect Add-on Cover is designed to enhance the existing coverage limits and introduce new features to the base health insurance policy. Policyholders who have a minimum Sum Insured of Rs. 10,00,000 under the Young Star Insurance Policy are eligible to opt for this additional cover.
This add-on cover is aimed at providing policyholders with extended protection and a wider range of benefits beyond their base health insurance policy. It allows individuals to bolster their coverage and access enhanced features to meet their evolving insurance needs and requirements.
Features and Benefits:
The Young Star Insurance Policy offers a range of features and benefits designed to enhance the policyholders’ healthcare experience and financial protection:
- No room rent capping, allowing insured individuals to receive treatments in a single private A/C room.
- Automatic Restoration of Sum Insured by 100% ensures that treatment expenses remain covered during subsequent hospitalizations.
- Base coverage receives a 25% boost up to Rs. 10 Lakhs for hospitalizations resulting from road traffic accidents.
- A cumulative bonus of 20% of the Sum Insured for every claim-free year, accumulating up to a maximum of 100% of the Sum Insured during renewals.
- Coverage includes in-patient hospitalization expenses for AYUSH and listed Modern Treatments.
- Additional coverage for annual health check-ups, all day-care procedures, road ambulance charges, pre & post hospitalization expenses, and e-medical opinions from Star Health’s medical experts.
- Option to receive coverage for delivery expenses and hospital cash benefits by opting for the Gold Plan.
These features and benefits aim to provide comprehensive and holistic coverage to policyholders under the Young Star Insurance Policy, ensuring their healthcare needs are met while offering financial security and peace of mind.
Star Health believes in providing comprehensive support to its customers by offering engaging wellness activities and premium discounts of up to 10% during policy renewals. Encouraging healthy lifestyles, the company aims to promote overall well-being among its policyholders.
For individuals who enroll in the Young Star Insurance policy before the age of 36 and wish to renew after turning 40, they can enjoy a 10% discount on the premium for all subsequent renewals. This incentive reflects the company’s commitment to rewarding customers for maintaining their insurance coverage.
With a wide range of benefits, various discount options, and flexible installment premium payment plans, the Young Star Insurance Policy is designed to safeguard the health and well-being of individuals as they strive to reach their personal and professional goals. This policy offers peace of mind and protection, ensuring that policyholders can focus on their journey towards success without worrying about their healthcare needs.
Why is a Star Health Insurance Add On needed?
Star Health Insurance Add-Ons are designed to expand the coverage limitations of your existing policy, providing additional protection for various aspects of your healthcare needs. These add-on covers offer several benefits, including:
Claim Safety: Add-ons can provide coverage for non-medical items, offering extra financial protection for a wider range of expenses related to your health and wellness.
Enhanced Room Rent: With add-on covers, you can receive coverage for enhanced room rent, giving you the flexibility to choose a more comfortable accommodation during your hospital stay.
Enhanced Limits: Add-on covers offer increased limits for modern and AYUSH treatments, ensuring that you have access to advanced and alternative treatment options without worrying about exceeding your coverage limits.
Home Care Treatment: Many add-ons provide coverage for home care treatment, allowing you to receive necessary medical care in the comfort of your own home.
Bonus Guard: Add-ons often include a bonus guard benefit, providing additional rewards and benefits to policyholders as a token of appreciation for maintaining their coverage.
These benefits are aimed at enhancing your overall insurance coverage, ensuring that you have comprehensive protection for various aspects of your healthcare journey.
Types of Add On Covers
Here are some types of add-on covers you can consider for your insurance policy:
Maternity Health Coverage
A special add-on designed for expecting mothers, providing coverage for childbirth expenses. There is usually a waiting period of 24-48 months before the coverage kicks in.Critical Illness Cover
This add-on offers comprehensive coverage in case you are diagnosed with a critical illness like cancer, heart attack, or kidney failure. Some insurers offer it as an add-on, while others provide a standalone critical illness insurance policy.Hospital Cash Cover
Covers non-medical expenses during hospitalization as specified in the policy document.Room Rent Waiver
Helps in reducing the burden of room rent charges at the hospital, saving your savings.OPD Cover
Provides financial support for treatment expenses and consultations that don’t require hospital admission, including minor procedures.Home Care Treatment
Offers coverage for medical expenses related to home treatments, with predefined limits.Consumables Cover
Manages expenses for medical equipment and supplies needed for treatment, such as syringes, gloves, masks, and other items not usually covered by basic insurance.Restore Benefit Cover
Allows you to replenish the sum insured multiple times in a policy year if it gets exhausted due to claims, ensuring continuous coverage even after multiple claims.
Ready to Protect Your Family’s Future—Starting Today?
Health costs don’t wait, and neither should your plan. With Young Star Health Insurance, you get early coverage, lifelong protection, and financial peace of mind—without the fine print or inflated premiums.
✅ Ideal for young individuals and families
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✅ Cashless claims at 14,000+ hospitals
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FAQ
The Young Star Health Insurance policy covers a wide range of medical expenses including:
- In-patient hospitalization (room, nursing, ICU charges)
- Pre- and post-hospitalization costs (up to 60 and 90 days)
- Daycare procedures
- Ambulance charges
- AYUSH treatments (Ayurveda, Yoga, Unani, Siddha, Homeopathy)
- Optional maternity and newborn coverage (in select plans)
- COVID-19 treatment
- Health check-ups after every claim-free year
It’s designed for individuals aged 18–40, with an option to cover dependent children.
Young Star is tailored for young individuals and families starting their health coverage journey. It focuses on:
- Lower premiums for younger age groups
- Custom plans for individuals or young families
- Optional maternity and wellness features
Comprehensive Health Insurance, on the other hand, is broader and better suited for all age groups, with:
- Higher sum insured options
- More inclusive benefits like organ donor cover, domiciliary hospitalization
- Wider age eligibility (up to 65+ years)
If you’re young and healthy, Young Star is affordable and efficient. If you want all-inclusive coverage regardless of age, go for the Comprehensive plan.
For the Young Star Silver Plan, the standard waiting periods are:
- 30 days for general illness or treatment (except accidents)
- 24 months for specific illnesses like hernia, gallstones, etc.
- 36 months for pre-existing diseases
- 24 months for maternity benefits (if selected as an add-on)
These waiting periods apply from the policy start date unless it is a ported or renewed policy.
