Young Star Insurance Policy

Star Health Insurance

Claim settlement ratio 99.06% (FY 2021-22)

NCB* 20%, up to 100%

PED Waiting# 12 months

Network Hospital 11000+

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Overview of Young Star Insurance Policy

18 to 40 years is an age which is regarded as progressive in every individual’s life. This is a time when a person is utterly productive and works hard to achieve their goals and to expand their horizons. Hence, this is also the time when one ought to take good care of their health and that of their families. Moreover, since medical emergencies are unforeseen and unpredictable, it is better to stay prepared with financial security.

USP features of Young Star Insurance Policy

  • The young star insurance plan comes in two different options - silver and golden
  • The plan allows a 10% discount on premium if you purchase it before turning 36 years and if you renew it after 40 years
  • The policy is available on individual or family floater basis
  • The plan allows the inclusion of a newly married spouse, new born child or legally adopted children by paying an extra premium
  • Also, if the basic sum insured gets exhausted and you met with an accident, the policy increases the SI by 25% up to a maximum of INR 10,00,000

What’s not covered under the Young Star Insurance Policy?

  • The policy doesn’t cover expenses for treatment of alcoholism or drug abuse and its consequences
  • It excludes expenses that are caused by the treatment for correction of eye sight due to refractive error
  • It also doesn’t cover expenses related to sterility and infertility
  • Congenital external disease, defects, and anomalies are also not included under this plan
  • The plan excludes intentional self-injury of any kind
  • It also excludes injury or disease caused directly or indirectly due to nuclear weapons/materials etc.
Frequently asked questions

You can buy the young star insurance policy via online mode from the official website of the company or through reputed insurance brokers like Paybima. Alternatively, you can call at the customer care numbers of Star health insurance and Paybima alike to buy the policy.

You can make claims as many times as you want all through the year till your policy sum insured limit doesn’t exceed.

There are more than 11000 network hospitals covered under Star Health insurance.

The policy levies a 12 months pre-existing disease waiting period before you could avail coverage for such diseases.

* 20% Cumulative Bonus (CB) will be applied on the Base Sum Insured for each claim free Year, which can go up to a maximum of 100% of the Base Sum Insured.

# Expenses related to the treatment of a pre-existing disease (PED) and its direct complications shall be excluded until the expiry of 12 months of continuous coverage after the date of inception of the first policy with the insurer.

(For Detailed Information Refer to the Policy Wording)

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