Star Health
Super Star
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.
What's good here?
You’ll never have to split the bill
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.
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.
You can pick any room you like
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.
Pre & Post hospitalization expenses covered
No worries if the doctor had to run a host of diagnostic tests before or after hospitalizing you. The insurer has your back. They will cover this amount in full for a pretty reasonable duration - 90 days before you are hospitalized and 180 days after discharge. This includes the cost of medication by the way.
Day Care treatments covered
If you’re hospitalized for less than 24 hours in lieu of a minor procedure, then the insurer will cover these costs too. Think dialysis, chemotherapy or minor surgeries.
Full coverage even if you are forced to hospitalize at home
The insurer will bear the costs even if you are hospitalized at home due to a condition or the hospital running out of beds. In insurance lingo, they call this a policy with domiciliary cover.
You always have full cover irrespective of the disease
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.
Unlimited Restoration Benefit
Even after you claim part of the cover on one occasion, you will be allowed to claim the full cover any number of times repeatedly if you are hospitalized in the future. All in the same year by the way!!!
Special Bonus for being healthy and not claiming insurance
Your sum insured increases by 50% each year, so long as you make no claims during this period. But before you get too ahead of yourself, do note that they’ll stop offering you the bonus when your sum insured increases by 100%. Also, the bonus amount will reduce at same rate each time you make a claim. But hey, it's still a bonus.
Covers Alternative Medicine
Think of getting Ayurvedic, Homeopathic or other alternative treatments to cure an illness? Your insurer will cover you fully, up to the sum insured.
What's bad here?
Gym benefits aren't included in this policy
Gym benefits aren't included in this policy.
Gym benefits aren't included in this policy.
What's okay here?
Reasonable waiting period for pre-existing diseases
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.
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.
Your insurer doesn’t provide free health check-ups
If you want to get a full-body checkup just to make sure you’re in fine working condition, be ready to pay for it yourself or get an add-on to cover free health check-ups under the policy by paying a little extra in the premiums.
Doctor consultations are not covered
Doctor consultations are not covered.
Maternity benefits not offered
The insurer does not cover expenses related to maternity
Consumables aren't covered in this policy
Consumables aren't covered in this policy.
Add-ons
High end Diagnostics
With this add-on, the insurer pays out for listed diagnostics tests on an OPD basis if required as a part of treatment upto ₹25,000 in a policy year.
Smart Network
With this add-on, the insurance company offers 15% Discount on Base Policy Premium and allows treatment in SMART NETWORK hospitals without any restrictions. But applies 15% Co-Payment for the insured members if treatment is taken in NON-SMART NETWORK Hospital.
Future Shield
This add-on provides guaranteed issuance & Continuity on waiting periods served by you for your future spouse.
Durable Equipment Cover
With this add-on, the insurance company will cover the cost of durable items like Ventilator, Wheelchair, Prosthetic device, Suction Machine, etc up to 5L or base sum insured; whichever is lower.
NRI Advantage
With this add-on, the insurer will provide an additional discount of 10% on the premiums if the insured in a Non-Resident Indian (NRI)/ Overseas Citizen.
E- International Second Opinion
With this add-on, you can 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
With this add-on, 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.
Co-payment
This benefit helps to opt for co-payment between 10% to 50%.
Limitless Care
With this add-on, the insurer covers 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.
Frequently Asked Questions
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