<img height="1" width="1" style="display:none" src="https://www.facebook.com/tr?id=7698356820180471&ev=PageView&noscript=1" />
Star Health

Star Health

Young Star

Young Star is your default choice if you are below 40 and you have pre-existing diseases (like diabetes etc). Because while most policies will make you wait a lot, this policy will start covering complications arising out of pre-existing diseases after just one year. They'll even issue the policy without pre-medical screening. And considering it's economical, it has to be one of the best policies in its class.

What's good here?

special mention
🎉Special Mention

Short 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 just 1 year. It’s probably the best deal you can get to be honest.

Learn More
coPay

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.

Learn More
diseaseSublimit

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.

Learn More
restoration

Good Restoration Benefit

Even after you claim part of the cover on one occasion, you will have 100% of the cover restored, so that you can use this benefit in the event you have to endure multiple hospitalizations.

Learn More
healthCheckup

Free Health Checkups every year

If you’re planning on getting a full body checkup every year just to make sure you’re in fine working condition, the insurer will cover the costs.

Learn More
roomRent

You can pick a Single Private room but nothing fancy

You can share a room or you could have a single room for yourself. But if you are looking for anything slightly fancy, be ready to foot a part of the bill.

Learn More
prePost

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 - 60 days before you are hospitalized and 90 days after discharge. This includes the cost of medication by the way.

Learn More
dayCare

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.

Learn More
ayush

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.

Learn More

What's bad here?

domiciliary

No coverage if you are forced to hospitalize at home

The insurer will not cover the costs if you are forced to hospitalize at home due to a medical condition. In insurance lingo, they call this a policy with no domiciliary cover.

Learn More

What's okay here?

ncb

Special Bonus for being healthy and not claiming insurance

Your sum insured increases by 20% 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.

Learn More

Frequently Asked Questions

Yes. Young Star imposes 3 kinds of 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 1-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 1-year waiting period for any pre-existing disease you may have while buying the policy.
talk to us

Talk to IRDAI-certified experts

Health is tricky, and insurance trickier. But we’ll simplify it for you - for FREE! Book a call now. Limited slots available.

Related Policies

Star Health
Star Health

Cancer Care Platinum

Star Health
Star Health

Comprehensive

Star Health
Star Health

Cardiac Care Platinum