Star Health Young Star Plan: Get Covered At Young Age

Why Choose Star Health Young Star Plan

You are covered for all medical expenses incurred while in the hospital under the Star Young Star Insurance Policy. This expense package includes special features like no limit on room rent, mid-term inclusion, automatic restoration, and ambulance costs. Silver and gold plans are available based on your needs.

Features of Star Health Young Star Plan

Below is a list of features covered by Star Young Health Insurance:

With multiple sum insured options, there are two plan options- Gold and Silver.
Single AC room treatment is allowed without a room rent cap
There is a coverage for health checkup expenses
Insured sums are automatically restored to 100%
In the event of a road traffic accident, hospitalization expenses are covered
Newly married spouses, newborns, and legally adopted children can be included mid-term
An attractive feature of this policy is the 10% premium savings through the Wellness Program
In accordance with the Income Tax Act, tax benefits can be claimed.

Inclusions of Star Health Young Star Plan

Young Star Insurance Policies can be purchased either as an individual policy or as a family floater policy. At the individual level, the sum insured options range from Rs 3 lakhs to Rs 1 crore, and at the family level, Rs 5 lakhs to Rs 1 crore. There are two types of policies available with this policy: gold and silver. As part of the Star Young Star Health Insurance policy, you are covered for the following:

Expenses associated with hospitalisation - There is coverage for hospitalisation expenses, including room rent, nursing charges, specialist fees, and ICU costs
Charges for emergency road ambulances - When an insured must be transported to the hospital immediately due to a medical emergency, ambulance charges are covered.
Expenses associated with pre-hospitalization - The health insurance covers medical expenses incurred prior to hospital admission for a period of 60 days.
Expenses incurred after hospitalisation - The plan covers medical expenses incurred up to 90 days after the patient has been discharged.
Procedures for daycare - The insurance covers medical procedures requiring less than 24 hours in the hospital.
Opinion on medical matters via email- Experts on the insurer's panel can issue e-medical opinions to insureds
Bonuses accumulate - As soon as an insured remains claim-free for a year, a cumulative bonus of 20% is awarded.
Treatments of the modern age - Deep brain stimulation, balloon sinuplasty, oral chemotherapy, and other modern medical techniques are included.
Expenses associated with delivery - Deliveries up to Rs 30,000 per delivery are covered only under the Gold plan.
Cash Benefits from Hospitals - Only the Gold plan provides a cash allowance of Rs 1000 per day for a maximum of 7 days of hospitalisation and 14 days per policy period.

Add Ons of Young Star Plan

Check-ups for your health - Health checkup expenses are covered every year under the policy.
Restoration of Basic Sum Insured automatically - Auto sum insured restoration benefits are available up to 100% if the sum insured limit has been exceeded, except for modern treatments.
Amount of additional insurance for RTA - If the insured was wearing a helmet and riding a two-wheeler when the accident occurred, they are covered for one in-patient hospitalisation per policy year.
Programs for wellness - Maintaining a healthy lifestyle and participating in wellness activities can provide rewards to the insured. You can save on premium payments by using the rewards.

Exclusions of Star Health Young Star Plan

Providers excluded from healthcare
A breach of the law
Sports that are dangerous or adventurous
Cosmetic or plastic surgery (unless medically necessary)
Treatment based on gender swap
Weight loss or obesity treatment
Rehab, respite, and rest cure
Without treatment, investigation and evaluation
Treatments that are not medically necessary
Treatment in an outpatient setting
Congenital anomaly of the external organs
Infertility, sterility, and birth control
Errors of reflection
Substances and dietary supplements
Rejuvenation and wellness
The use of drugs and treatments
During wartime
Attack by nuclear weapons
Discipline-free treatment
Suffering from self-injury
Treatments abroad
Charges that are unreasonable or not in accordance with custom

FAQ

Why is Young Star insurance policy's Road Traffic Accident (RTA) Benefit important?

When an insured person meets with a Road Traffic Accident that results in in-patient hospitalisation, Young Star Health plan will provide a 25% increase in the Sum Insured.

What is the best way to pay my Young Star premiums?

You can pay your Young Star premium quarterly, half-yearly, annually, biennially, or triennially.

Does Young Star offer any discounts?

Insureds who enrol in this policy before the age of 36 and continue to renew it till they are 40 years of age will receive a 10% discount on subsequent renewal premiums.

What other health plans are available to me if I have a Star Health Young Star policy?

By applying 30 days before the expiration date of your current health insurance policy, Young Star offers portability.

How does the Young Star insurance policy work if the sum insured and restoration benefit have been exhausted?

A Young Star Health Insurance policy will terminate immediately when the sum insured and restoration benefit have been exhausted.

Is it possible to cancel my Young Star insurance policy with Star Health?

From the date of receipt of the policy, there is a 15-day free-look period to review the terms & conditions. Between these 15 days, you can return the policy. Health insurance policies that are newly issued are only eligible for this free-look period.

There is a limit to how many claims I can make under my Star Young Star Health Insurance plan. Can I file more than one claim?

As long as your sum insured limit is not exhausted, you can make unlimited claims under the Young Star Plan. A claim cannot be filed if the limits of your insurance plan have been reached.

How does the Young Star plan work?

Designed for individuals between the ages of 18 and 40, the young Star plan by Star Health Insurance company offers financial protection against medical emergencies.

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