Star Health Insurance Plans For Family 2026

Quick Overview

Star Health is India’s largest standalone health insurer and a popular choice for families seeking health insurance. This guide breaks down Star’s main family plans, Super Star, Assure, and Comprehensive, in simple language, so you know what you are actually getting.

We explain coverage, typical exclusions, and highlight real drawbacks, such as room rent caps and claim complaints, based on public data. You will also see where Star’s specialized plans fit in and when it may still make sense to choose the insurer.

For most Indian families, one person earns for the entire family. If your spouse or child is suddenly hospitalized, a single bill can wipe out savings meant for school fees, EMIs, or future goals. A family health insurance plan protects all of you under one cover. Star Health Insurance is one of India’s largest standalone health insurers, founded in 2006, and is recognized for its vast hospital network.

It reports an average claim settlement ratio of 84.97% (FY 2022–25) and an incurred claim ratio of 72.84% (FY 2021–24), indicating a solid financial footing but slightly lower settlement rates than its top peers. Its complaint volume is relatively high at 52.31 per 10,000 claims (FY 2022-25), reflecting service friction.

In this article, we will walk you through the best options to consider from Star Health if you want to opt for a family floater, what is covered, what is not covered, and finally, whether you should consider Star for your family’s health insurance needs.

Best Star Health Insurance Plans For Family

Plan Name	Key Features	Drawbacks
Super Star	Highly customisable flagship plan with 21 add-ons like PED waiting reduction, Limitless Care, and maternity. Sum insured up to unlimited, “Freeze Your Age” premium feature.	Complex plan, no free health check-up
Assure	Balanced plan (up to ₹2 crore sum insured) with unlimited restoration, built-in maternity, ART, and newborn cover, strong wellness discounts,s and better room flexibility at higher sum insureds.	Many attractive benefits are linked to higher sum insured slabs, so you often need a 50 lakh-plus cover for full value, which pushes premiums up.
Comprehensive	Good all-round family cover (up to ₹1 crore) with in-built maternity, OPD and dental, wellness program, and restoration and add-on to reduce PED waiting period to 1 year.	Comes with room rent capping, disease-wise limits on modern and bariatric treatments, and a compulsory 10% co-pay if bought after 61.

Premiums for Star Health family plans vary by age, location, medical history, lifestyle habits, sum insured, and the add-ons you choose. Here are the Super Star plan premiums for different family structures.

Best Star Health Insurance Plans For Family

Profiles	Premiums
(Family Floater, 2A): Ages (31, 32)	₹15,586
(Family Floater, 2A 1C): Ages (36, 34, 4)	₹21,603
(Family Floater, 2A 2C): Ages (41, 38, 6, 2)	₹29,418
(Family Floater, 2A): Ages (61, 62)	₹76,516

Note: Premiums are for a ₹15 lakh sum insured, residing in Delhi - 110010, without any add-ons.

Did You Know?

Star also offers specialized plans beyond regular family covers. Cancer Care Platinum is a dedicated plan for people with a cancer history, covering treatment, pain management, and rehab. At the same time, Cardiac Care Platinum focuses on those with heart conditions, including cardiac devices and even heart transplants.

Women Care is a women-first plan with extensive maternity, assisted reproduction, and pregnancy-related benefits, and Special Care Gold is a niche option for people with disabilities or HIV / AIDS who may struggle to get standard health cover.

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What Is Covered And Not Covered in Star Health Family Plans

What’s Covered	What’s Not Covered
In-patient hospitalization	Investigation and evaluation only
Pre-hospitalization expenses	Rest cure, rehabilitation, and respite care
Post-hospitalization expenses	Obesity or weight control treatments
Day care treatments	Gender change or related treatments
Organ donor expenses	Cosmetic or plastic surgery
Modern treatments (robotic surgery, stem cell therapy, etc.)	Hazardous or adventure sports injuries
AYUSH treatments (Ayurveda, Homeopathy, etc.)	Treatment breaching the law
Road ambulance charges	Unproven treatments or experimental procedures
Domiciliary treatments	Sterility and infertility treatments
-	Maternity (unless specifically covered)
-	Wellness or rejuvenation therapies
-	Dietary supplements or alternative substances
-	Substance abuse or alcohol-related treatments

Why Choose Ditto for Health Insurance?

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Confused about the right insurance? Speak to Ditto’s certified advisors for free, unbiased guidance. Book your call now, slots fill up fast!

Ditto’s Take on Star Health Family Plans

Star is a standalone health insurer with one of the strongest physical footprints in the country. It has an extensive agent network and a vast hospital tie-up base, so in terms of reach and visibility, it almost feels like the LIC of health insurance.

However, Star’s claim handling record is inconsistent. The claim settlement ratio is lower than the industry average, and complaint volumes are higher, with many customers reporting partial settlements or heavy deductions. Star is a partner insurer for Ditto, but it is not an active recommendation, mainly due to its current claim settlement performance.

Still, Star’s relatively flexible underwriting for pre-existing conditions and its strong offline presence make it a useful option for customers who may not easily get coverage elsewhere. If you prefer buying a Star family plan, we suggest that you work with an advisor who has experience handling Star claims and can support you during hospitalization.

If you want help comparing Star with other insurers for your family, you can always speak to Ditto for a free, conflict-free consult.

Frequently Asked Questions

What is the age limit, and who can be covered under Star’s family floater plans?

Most Star family floater plans cover you, your spouse, and dependent children, and many also allow parents or parents-in-law on the same policy. Adult entry ages and maximum age limits vary by plan, while dependent children can usually stay covered until around age 25–26, subject to each policy’s terms. Always check the specific policy brochure for exact eligibility.

Should I include my parents in the same Star family floater or buy a separate plan?

What are the main waiting periods in Star family plans?

For Star’s Super Star plan, you have a 30-day initial waiting period where illnesses are not covered (accidents are covered from day one), a 2-year waiting period for specific listed illnesses and surgeries, and a 3-year waiting period for pre-existing diseases. The big plus is that Super Star lets you reduce the PED waiting period to one or two years for all illnesses and even to 30 days for certain conditions like diabetes or hypertension, using add-ons. Waiting periods vary from policy to policy. .

Last updated on: 6 Dec, 2025