Star Health Young Star Neo
Claim settlement Ratio 84% Network Hospital 15000+
Claim settlement Ratio 84% Network Hospital 15000+
Star Health Young Star Neo
Star Health Young Star Neois a health insurance plan designed for young individuals and families with adult entry age up to 40 years. It offers comprehensive hospitalizations coverage, along with an Unlimited Sum Insured option, wellness benefits and digital healthcare services. The plan also includes features such as Unlimited Restoration, Freeze Your Age, Time Travel and Star THRIVE wellness rewards, helping policyholders manage both medical expenses and everyday healthcare needs.
Eligibility Criteria of Young Star Neo Plan
The eligibility requirements are relatively straightforward.
| Eligibility Criteria | Details |
| Individual & Floater entry age | 18 to 40 years |
| Dependent child | 91 days to 25 years |
| Policy type | Individual and Family Floater |
| Policy term | 1, 2 or 3 years |
| Sum Insured | ₹10 lakh, ₹25 lakh, ₹50 lakh, ₹1 crore and Unlimited |
| Family floater size | Up to 2 adults + 4 dependent children |
For a family floater, the eligible family combination can include self, spouse/live-in partner and dependent children, subject to the policy conditions.
The plan is primarily positioned for younger customers who want to start medical insurance early and continue their coverage as their healthcare needs change.
Star Health Young Star Neo Optional Covers & Add-Ons
Young Star Neo offers several optional covers that can be selected by paying an additional premium. These should be explained separately from the base coverage so customers do not assume they are automatically included.
1. Consumables Cover – Comprehensive
This optional cover can provide coverage for specified non-medical and consumable items that may otherwise be excluded, subject to the applicable lists and policy conditions.
2. Star OPD Premier
This add-on provides cashless OPD benefits through a wallet-based structure. The wallet amount can range from 1x to 5x of the base premium, subject to the applicable maximum and conditions. It can cover areas such as doctor consultations, diagnostics, medicines, dental care, and vision care and nutrition consultations.
3. Limitless Loyalty Bonus
This option can provide an additional 100% of Sum Insured at renewal, irrespective of claims, with no upper cap, subject to the applicable terms.
4. Preventive Health Check-up
An annual preventive health check-up option is available for eligible insured persons aged 18 years and above, subject to the waiting period and selected package.
5. Maternity Expenses
Maternity cover can be selected with coverage of ₹50,000 or ₹1 lakh, as opted. A 24-month waiting period applies to this optional benefit.
6. Proactive Care
This optional program provides chronic disease management support for conditions such as:
- Diabetes
- Hypertension
- Hyperlipidemia
- Obesity
- Coronary Artery Disease
7. Mamta – Women Wellness Care
This option provides access to women-focused wellness services and support through digital platforms.
8. Hospital Daily Cash Allowance
The policy provides an optional hospital cash benefit of ₹1,000 per day, up to 30 days in a policy year, subject to a five-day franchise period.
9. Sub-Limits
Customers can choose applicable coverage categories for certain illnesses and treatments. The selected sub-limit can affect the amount payable for those treatments.
10. Voluntary Co-pay
The insured can choose a 10% or 20% co-payment, which applies to each admissible hospitalization claim as per the selected option.
11. Voluntary Deductible
A voluntary deductible can be selected from the available options. The chosen deductible applies to the total claims made during the policy year, subject to the policy terms.
12. Personal Accident Cover
This optional cover provides a ₹10 lakh lump-sum benefit for accidental death or specified permanent disability, subject to the applicable conditions and availability.
Star Health Young Star Neo Exclusions & Limitations
Health insurance does not cover every medical expense. Young Star Neo is subject to exclusions, meaning certain treatments, situations and expenses are not payable under the policy.
Some important exclusions include:
- Treatment or admission primarily for diagnostic investigation and evaluation, unless covered under the policy.
- Rest cure, rehabilitation and respite care where the admission is primarily for these purposes.
- Certain obesity or weight-control treatments, except where specifically covered under the policy.
- Cosmetic or plastic surgery, except where specifically covered under applicable policy conditions.
- Treatment related to hazardous or adventure sports where excluded.
- Expenses arising from certain alcohol, drug or substance-abuse-related conditions.
- Treatment received from excluded providers.
- Certain refractive-error treatments.
- Unproven, experimental or unconventional treatments where excluded.
- Sterility and infertility treatment, except to the extent specifically covered.
- Certain maternity-related expenses, unless the applicable maternity option has been selected.
- Congenital external conditions, defects or anomalies, as specified in the policy.
- Treatment arising from intentional self-injury.
- Certain claims arising from war or war-like operations.
- Expenses arising from nuclear weapons or nuclear materials.
- Certain non-medical items and equipment unless the applicable consumables or other optional cover has been selected.
- Hospitalization that is not medically necessary or does not warrant hospitalization.
The exact exclusion wording and exceptions should always be checked in the latest policy wording because some exclusions can have specific conditions or permitted exceptions. The current Super Star policy wording lists these exclusion categories for the underlying product associated with Young Star neo.
How Long Is the Waiting Period for Young Star Neo?
Waiting periods determine how soon certain illnesses, treatments or pre-existing diseases become eligible for coverage.
| Waiting Period | Applicable Period |
| Initial waiting period | 30 days |
| Specified diseases/procedures | 24 months |
| Pre-existing diseases | 36 months |
| Maternity optional cover | 24 months |
| Star OPD Premier PED waiting period | 12 months |
The 30-day initial waiting period generally applies to illnesses from the first policy commencement date, while claims arising from covered accidents are treated separately according to the policy terms.
The specified disease/procedure waiting period is 24 months, while the standard waiting period for pre-existing diseases is 36 months. If an applicable condition falls under both categories, the longer waiting period can apply according to the policy terms.
Customers should also remember that waiting periods can apply afresh to an increase in Sum Insured to the extent of the enhancement, subject to the applicable conditions.
Claim Process of Young Star Neo Plan
Young Star Neo claims can generally be handled through cashless treatment at a network hospital or through reimbursement. The process depends on whether the hospital has a cashless facility and the type of treatment.
| Step | Cashless Claim | Reimbursement Claim |
| 1. Treatment | Visit a Star Health network hospital for eligible treatment. | Take treatment at an eligible hospital and pay the expenses initially. |
| 2. Inform the insurer | Inform Star Health about the planned or emergency hospitalization. | Inform Star Health about the hospitalization as per the applicable claim procedure. |
| 3. Submit documents | Provide the required policy details, identification and medical documents to the hospital's insurance desk. | Submit the claim form along with bills, discharge summary, prescriptions, reports, receipts and other required documents. |
| 4. Claim assessment | The hospital submits the pre-authorization request, which is reviewed by Star Health. | Star Health reviews the submitted documents and assesses the claim according to the policy terms. |
| 5. Approval / settlement | After approval, eligible expenses are settled directly with the network hospital. | After approval, the admissible amount is reimbursed to the policyholder. |
| 6. Amount payable by you | You may need to pay applicable co-pay, deductible, non-payable items and expenses outside the policy coverage. | Any applicable co-pay, deductible, non-payable expenses or excluded treatment costs are deducted from the admissible claim amount. |
Cashless treatment means Star Health settles the eligible hospital expenses directly with the network hospital, while reimbursement means you pay the hospital first and claim the eligible amount from the insurer later.
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Star Health Young Star Neo Coverage and Key Benefits
Hospitalization expenses for more than 24 hours due to an illness, injury or accident are covered up to the applicable Sum Insured.
Eligible day-care treatments are covered under the plan. These are procedures that may not require 24-hour hospitalization because of advancements in medical technology.
The plan covers eligible medical expenses incurred up to 90 days before hospitalization and 180 days after discharge, subject to policy terms.
The plan provides eligibility for a Single Private A/C Room, subject to the applicable policy conditions.
Modern treatments such as robotic surgery, oral chemotherapy, immunotherapy, stereotactic radiosurgery and other listed procedures are covered up to the applicable Sum Insured, subject to the policy terms.
Eligible inpatient treatment under Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy systems is covered as specified under the policy.
Ambulance expenses related to eligible hospitalization are covered as per the policy conditions.
Air ambulance expenses are covered up to ₹5 lakh in a policy year, subject to an admissible hositalization claim and applicable conditions.
Eligible expenses related to organ transplantation, including specified donor-related expenses, are covered up to the Sum Insured.
The policy provides coverage for eligible home-based treatment for specified conditions when the applicable criteria are met.
Treatment taken at home may be covered where hospitalization is not possible or available, subject to the conditions mentioned in the policy.
One of the important benefits of Young Star Neo is automatic restoration. The Sum Insured can be restored up to 100% and can be triggered multiple times in a policy year, subject to the policy terms.
A 50% of Sum Insured cumulative bonus can be added at renewal for every claim-free year, up to a maximum of 100% of Sum Insured, subject to the applicable conditions.
This feature allows the premium calculation to remain linked to the insured person's entry age until an eligible claim or the specified age limit, as defined under the policy.
Time Travel works along with Freeze Your Age. After an eligible claim, the renewal premium can be calculated using the entry age plus one year instead of immediately moving to the attained age, subject to the applicable terms.
The plan provides an additional 100% of Annual Sum Insured for every seven consecutive claim-free years, subject to the conditions of the benefit.
Star THRIVE is the plan's wellness and rewards program. Eligible insured persons can earn THRIVE Coins through specified health, fitness and wellness activities and redeem them for eligible health, OPD, wellness and renewal premium benefits.
Eligible insured persons aged 18 years and above can access participating gyms and fitness studios, with the benefit allowing up to three fitness-center sessions per week at select locations.
Young Star Neo provides unlimited teleconsultations through the Star Health digital platform, subject to the applicable terms.
The benefit provides access to virtual fitness sessions, nutrition consultations and specified international second medical opinions.
The plan provides up to four in-person consultations with general physicians or specialists, subject to the applicable conditions.
A one-year premium waiver may be available if the proposer and insured member is diagnosed with a listed critical illness or in the event of accidental death, subject to the conditions of the benefit.
Dental consultation, IOPA X-ray and scaling benefits are available under the stated conditions, including applicability during the second and third policy years.
The plan includes a grace-period cover feature as specified in the product terms. This should not be confused with assuming that all policy benefits automatically continue during every grace period situation.
Star Health Young Star Neo Optional Covers & Add-Ons
Young Star Neo offers several optional covers that can be selected by paying an additional premium. These should be explained separately from the base coverage so customers do not assume they are automatically included.
1. Consumables Cover – Comprehensive
This optional cover can provide coverage for specified non-medical and consumable items that may otherwise be excluded, subject to the applicable lists and policy conditions.
2. Star OPD Premier
This add-on provides cashless OPD benefits through a wallet-based structure. The wallet amount can range from 1x to 5x of the base premium, subject to the applicable maximum and conditions. It can cover areas such as doctor consultations, diagnostics, medicines, dental care, and vision care and nutrition consultations.
3. Limitless Loyalty Bonus
This option can provide an additional 100% of Sum Insured at renewal, irrespective of claims, with no upper cap, subject to the applicable terms.
4. Preventive Health Check-up
An annual preventive health check-up option is available for eligible insured persons aged 18 years and above, subject to the waiting period and selected package.
5. Maternity Expenses
Maternity cover can be selected with coverage of ₹50,000 or ₹1 lakh, as opted. A 24-month waiting period applies to this optional benefit.
6. Proactive Care
This optional program provides chronic disease management support for conditions such as:
- Diabetes
- Hypertension
- Hyperlipidemia
- Obesity
- Coronary Artery Disease
7. Mamta – Women Wellness Care
This option provides access to women-focused wellness services and support through digital platforms.
8. Hospital Daily Cash Allowance
The policy provides an optional hospital cash benefit of ₹1,000 per day, up to 30 days in a policy year, subject to a five-day franchise period.
9. Sub-Limits
Customers can choose applicable coverage categories for certain illnesses and treatments. The selected sub-limit can affect the amount payable for those treatments.
10. Voluntary Co-pay
The insured can choose a 10% or 20% co-payment, which applies to each admissible hospitalization claim as per the selected option.
11. Voluntary Deductible
A voluntary deductible can be selected from the available options. The chosen deductible applies to the total claims made during the policy year, subject to the policy terms.
12. Personal Accident Cover
This optional cover provides a ₹10 lakh lump-sum benefit for accidental death or specified permanent disability, subject to the applicable conditions and availability.
Star Health Young Star Neo Exclusions & Limitations
Health insurance does not cover every medical expense. Young Star Neo is subject to exclusions, meaning certain treatments, situations and expenses are not payable under the policy.
Some important exclusions include:
- Treatment or admission primarily for diagnostic investigation and evaluation, unless covered under the policy.
- Rest cure, rehabilitation and respite care where the admission is primarily for these purposes.
- Certain obesity or weight-control treatments, except where specifically covered under the policy.
- Cosmetic or plastic surgery, except where specifically covered under applicable policy conditions.
- Treatment related to hazardous or adventure sports where excluded.
- Expenses arising from certain alcohol, drug or substance-abuse-related conditions.
- Treatment received from excluded providers.
- Certain refractive-error treatments.
- Unproven, experimental or unconventional treatments where excluded.
- Sterility and infertility treatment, except to the extent specifically covered.
- Certain maternity-related expenses, unless the applicable maternity option has been selected.
- Congenital external conditions, defects or anomalies, as specified in the policy.
- Treatment arising from intentional self-injury.
- Certain claims arising from war or war-like operations.
- Expenses arising from nuclear weapons or nuclear materials.
- Certain non-medical items and equipment unless the applicable consumables or other optional cover has been selected.
- Hospitalization that is not medically necessary or does not warrant hospitalization.
The exact exclusion wording and exceptions should always be checked in the latest policy wording because some exclusions can have specific conditions or permitted exceptions. The current Super Star policy wording lists these exclusion categories for the underlying product associated with Young Star neo.
How Long Is the Waiting Period for Young Star Neo?
Waiting periods determine how soon certain illnesses, treatments or pre-existing diseases become eligible for coverage.
| Waiting Period | Applicable Period |
| Initial waiting period | 30 days |
| Specified diseases/procedures | 24 months |
| Pre-existing diseases | 36 months |
| Maternity optional cover | 24 months |
| Star OPD Premier PED waiting period | 12 months |
The 30-day initial waiting period generally applies to illnesses from the first policy commencement date, while claims arising from covered accidents are treated separately according to the policy terms.
The specified disease/procedure waiting period is 24 months, while the standard waiting period for pre-existing diseases is 36 months. If an applicable condition falls under both categories, the longer waiting period can apply according to the policy terms.
Customers should also remember that waiting periods can apply afresh to an increase in Sum Insured to the extent of the enhancement, subject to the applicable conditions.
Claim Process of Young Star Neo Plan
Young Star Neo claims can generally be handled through cashless treatment at a network hospital or through reimbursement. The process depends on whether the hospital has a cashless facility and the type of treatment.
| Step | Cashless Claim | Reimbursement Claim |
| 1. Treatment | Visit a Star Health network hospital for eligible treatment. | Take treatment at an eligible hospital and pay the expenses initially. |
| 2. Inform the insurer | Inform Star Health about the planned or emergency hospitalization. | Inform Star Health about the hospitalization as per the applicable claim procedure. |
| 3. Submit documents | Provide the required policy details, identification and medical documents to the hospital's insurance desk. | Submit the claim form along with bills, discharge summary, prescriptions, reports, receipts and other required documents. |
| 4. Claim assessment | The hospital submits the pre-authorization request, which is reviewed by Star Health. | Star Health reviews the submitted documents and assesses the claim according to the policy terms. |
| 5. Approval / settlement | After approval, eligible expenses are settled directly with the network hospital. | After approval, the admissible amount is reimbursed to the policyholder. |
| 6. Amount payable by you | You may need to pay applicable co-pay, deductible, non-payable items and expenses outside the policy coverage. | Any applicable co-pay, deductible, non-payable expenses or excluded treatment costs are deducted from the admissible claim amount. |
Cashless treatment means Star Health settles the eligible hospital expenses directly with the network hospital, while reimbursement means you pay the hospital first and claim the eligible amount from the insurer later.
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