Plan Overview
SUPER STAR is a comprehensive health insurance plan designed to protect your health at every stage of life. With flexible customizations and extensive benefits, it offers a seamless health coverage experience tailored to your evolving needs.
Key Features
- Automatic Restoration of Sum Insured: After every claim, your sum insured is automatically restored up to 100%, with unlimited restorations.
- Cumulative Bonus: Earn a cumulative bonus of 50% of the sum insured for each claim-free year, up to a maximum of 100%.
- Freeze Your Age: Lock in your premium age at entry and keep premiums young until you make a claim.
- Any Room, Any Hospital: Access top-tier hospitals nationwide and choose any room without extra cost.
- Coverage for Modern Treatments: Includes advanced procedures like robotic surgeries, immunotherapy, oral chemotherapy, and more.
- Day Care and Domiciliary Treatments: Coverage for day care procedures and home-based medical treatments.
- AYUSH Treatments: Coverage for Ayurveda, Yoga, Naturopathy, Unani, Siddha, and Homeopathy in AYUSH hospitals.
- Tele-Consultation & AI Face Scan: Unlimited tele-consultations and AI-driven vital parameter scans through the mobile app.
In-Built Covers
- In-patient hospitalization expenses including room rent, surgical fees, diagnostic materials, medicines, and allied services.
- Organ donor expenses including post-donation complications.
- Dental check-up and cleaning in the 2nd and 3rd policy years.
- Pre and post-hospitalization medical expenses.
- Air and road ambulance expenses reimbursement.
Eligibility & Policy Terms
- Entry age for adults: 18 years to any age.
- Floater policy available for families covering up to 2 adults and 4 children.
- Sum insured options range from ₹5,00,000 up to unlimited coverage.
- Flexible policy tenure options: 1 to 5 years.
- Hospitalization waiting period: 30 days; pre-existing diseases waiting period: 36 months.
Optional Benefits
- Newborn cover from day 1 with coverage of congenital defects.
- Accidental death and permanent total disability coverage.
- Second medical opinion, including international panel opinion once per year.
- Premium waiver on critical illness diagnosis or accidental death.
- Discounts based on CIBIL score, wellness activities, and early renewals.
Additional Services
- STAR Wellness Program to earn points through wellness activities redeemable for premium discounts.
- Value-added services like pharmacy, diagnostics, and consultation discounts through the app.
- Assistance services including e-domestic second medical opinion and emergency travel support.