Overview
The Star Health Super Star plan is a comprehensive health insurance policy offering extensive customization options with 21 add-ons. It features a unique "Freeze Your Age" benefit, allowing premiums to remain constant until the first claim is made. The plan includes coverage for pre-existing conditions like hypertension and diabetes from day 31 [with add-on], unlimited automatic restoration of sum insured, and a cumulative bonus of 50% increase up to 100% for claim-free years. It also offers unlimited sum insured options and access to any hospital room without extra charges.
Experts Review
Written by Nikhil Nair
Senior Writer
The Star Health Super Star plan is a highly customizable health insurance solution that stands out with its "Freeze Your Age" feature and extensive add-on options. This flexibility allows policyholders to tailor their coverage to specific needs, making it appealing for those seeking personalized protection.
Basic cover includes no co-pay, no disease-wise sub-limits, 90-180 days pre- and post-hospitalization, and coverage for daycare, AYUSH, domiciliary, and modern treatments. However, while the plan itself is robust, Star Health's claims experience has faced some criticism in recent customer feedback, which may impact policyholder satisfaction.
The premium for this plan is generally competitive, but buyers should consider Star Health's claim settlement ratio and customer service reputation before purchasing. The plan's customization options and benefits make it a strong choice for those seeking flexible coverage, but potential operational challenges should be weighed against its advantages.
Pros
Offers a wide range of features.
Insurer has a solid track record with great claim and service metrics.
Offers Freeze your age, which makes this policy stand out.
Cons
Your insurer doesn’t provide free health check-ups, which is a notable gap.
Doctor consultations are not covered, which could be a drawback for some.
Star Health
Key Insights
Founded
2006
Star Health was established 19 years ago and has built strong credibility over time, backed by its long-standing presence in the market.
Claims Experience
85% claims settled in 30 Days
Star Health settles only 85% of claims it receives, which is relatively low and may raise concerns about reliability during claim payouts.
Network Hospitals
14,000+
Star Health has a strong network with over 14,000 hospitals, ensuring wide accessibility and convenience for policyholders.
Complaints
52 complaints per 10,000 claims registered
Star Health has a relatively high volume of complaints, which may point to ongoing issues in customer service or claim handling.
Features
All
Great
Good
Freeze your age
STANDOUT
Your premiums will not increase until you make a claim. However, once the claim is made, the premiums will increase based on age, inflation etc.
Co-payment
The insurer will bear the entire cost of treatment (up to the sum insured). You won’t have to pay a single penny. Meaning this policy has no co-payment.
Customisable
Get 15% discount on premiums with 20% Co-payment for the insured members if treatment is taken in Non-Smart Select Network Hospitals.
Customisable
Can opt for co-payment between 10% to 50%.
Room Rent
Shared room, single room, deluxe room or any room that’s available. The insurer won’t nitpick on your choice of room since the policy has no restrictions on room rent.
Customisable
Change Any Room to Single Private Room, Shared Room or General Ward.
Disease sub-limit
No funny business here. If your insurer hasn’t explicitly stated they won’t cover a certain illness, you can claim the full amount up to the sum insured, irrespective of the disease you’re dealing with. Meaning this policy doesn't impose the dreaded disease wise sub-limits.
Pre existing diseases waiting
If you’re already dealing with diabetes, cardiovascular problems or any such illnesses, the insurer will cover all costs arising out of these pre-existing problems after you wait for 3 years.
Customisable
For any illness: Pre existing disease waiting period is modified/reduced from 3 Years to 1 or 2 Years.
Customisable
For Diabetes, Hypertension, Asthma, Hyperlipidemia and Coronary Artery Disease with (PTCA done prior to 1 year): Pre existing disease waiting period is reduced from 3 Years to 30 Days.
Add-ons
Reduction in PED
Recommended
For any illness: Pre existing disease waiting period is modified/reduced from 3 Years to 1 or 2 Years.
Quick Shield
Recommended
For Diabetes, Hypertension, Asthma, Hyperlipidemia and Coronary Artery Disease with (PTCA done prior to 1 year): Pre existing disease waiting period is reduced from 3 Years to 30 Days.
Consumables Cover
Recommended
Covers list of 68 non-medical items as per list I
Super Star Bonus
Recommended
Additional bonus of 100% up to infinity, irrespective of any claim in the previous year.
Future Shield
Recommended
Provides guaranteed issuance & continuity on waiting periods served by you for your future spouse.
Reduction in Specific Illness Waiting Period
Recommended
Reduces the Specific Illness Waiting Period from 2 years to 1 year.
Annual Health Checkup
Annual health check-up for specified tests, with a maximum limit up to the sum insured on a cashless or reimbursement basis.
Maternity
Coversmaternity expenses i.e. childbirth, newborn expenses, and even Assisted Reproduction treatment based on the type of coverage chosen. One can claim maternity benefits after 1-2 year of Waiting Period.
Hospital Cash
Hospital cash benefit paid out if hospitalization is at least 1 day, with a maximum payout of ₹1000 for up to 30 days.
Personal Accident Cover
Paid out as a lump sum of 200% of sum insured for Accidental Death, Total Permanent Disability, Permanent Partial Disability up to a limit of ₹20000000.
Aggregate Deductible
Choose deductible between ₹10,000 and ₹5,00,000 and get a discount on premiums.
Room Rent Modifier
Change Any Room to Single Private Room, Shared Room or General Ward.
Compassionate Visit
Pay up to Rs. 10,000 to cover the travel cost in case an Immediate Family member visits the insured person for hospitalization due to life-threatening emergency.
Smart Network
Get 15% discount on premiums with 20% Co-payment for the insured members if treatment is taken in Non-Smart Select Network Hospitals.
Voluntary Co-Payment
Can opt for co-payment between 10% to 50%.
High end Diagnostics
Pays out for listed diagnostics tests on an OPD basis if required as a part of treatment upto ₹25,000 in a policy year.
E- International Second Opinion
Get a second opinion from a medical practitioner on an international panel, once per policy year for each insured person, based on medical records only.
Women Care
Pregnant women can buy this policy by submitting 12 and 20-week scan reports of their pregnancy period, the newborn will be covered immediately after its birth covered till end of the policy year.
Durable Equipment Cover
Get coverage for the cost of durable items like Ventilator, Wheelchair, Prosthetic device, Suction Machine, etc up to 5L or base sum insured; whichever is lower.
Limitless Care
Get coverage for the medical expenses incurred for the hospitalization of the insured person for any one claim during the lifetime of the policy, without any limits on the annual sum insured.
NRI Advantage
Get an additional discount of 10% on the premiums if the insured in a Non-Resident Indian (NRI)/ Overseas Citizen.
Permanent Exclusions
Conditions or treatments that the policy clearly says it will not cover.
Expenses incurred on Enhanced External Counter Pulsation Therapy and related therapies, Chelation therapy, Hyperbaric Oxygen Therapy, Rotational Field Quantum Magnetic Resonance Therapy, VAX-D, Low level laser therapy, Photodynamic therapy & other similar therapies
Autologous derived Stromal vascular fraction, Chondrocyte Implantation, Procedures using Platelet Rich plasma and Intra articular injection therapy
Expenses related to any admission primarily for diagnostics and evaluation purposes are excluded.
Diagnostic expenses not related or incidental to current diagnosis and treatment are excluded.
Expenses for admission primarily for bed rest and not for treatment are excluded.
Disclaimer: For illustration purposes only - exact terms are in the policy wording.
Specific Illness
The following illnesses are not covered under the policy for 2 years.
Treatment of cataract and diseases of the anterior and posterior chambers of the eye
Diseases of ENT (ear, nose, throat)
Thyroid-related diseases
Benign diseases of the breast
Subcutaneous benign lumps (sebaceous cyst, dermoid cyst, mucous cyst of lip/cheek)
Waiting Period
30 days Initial waiting period
2 years Specific illness waiting period
3 years Pre-existing disease waiting periodCustomisable
Ditto's Take
◦ Excellent ◦
Waiting periods on this policy are excellent. This policy also further allows to reduce the PED waiting period to 1 or 2 Years for all diseases and to 30 Days for certain diseases.
What's missing in the policy
Your insurer doesn’t provide free health check-ups.
Doctor consultations are not covered.
Customer Reviews
V
Vivaan M (new)
Extensive customization with 21 add-ons is incredible! Tailor it perfectly.
Y
Yash I (new)
Freeze Your Age' benefit to keep premiums constant until first claim is unique and amazing!
Z
Zara M.
Coverage for pre-existing conditions like hypertension and diabetes from day 31 is very fast.
A
Anila C.
The 'Freeze Your Age' benefit stops after the first claim, so it's not permanent.
A
Amara D.
Star Health's claim settlement process and customer service are often criticized.
A
Aditi J (new)
Good for those who want high degree of personalization in their health plan.
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Frequently Asked Questions
Does Super Star have waiting periods?
- 30-Day Waiting Period: Hospitalizations won’t be covered for the first 30 days of the policy unless it’s an accident.
- Specific Illness Waiting Period: There’s a 2-year waiting period for a list of diseases which is a mandate before you can start claiming.
- Pre-Existing Disease Waiting Period: There's a 3-year waiting period for any pre-existing disease you may have while buying the policy.
Does Super Star have room rent restrictions?
Does Super Star offer a restoration benefit?
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