Plan Overview
The Young Star Insurance Policy is designed to offer easy premium payments, multiple benefits, and total health coverage for individuals aged 18 to 40 and their families. This policy helps protect health and well-being with lifelong renewals, flexible sum insured options, and coverage for medical emergencies including hospitalization, day-care procedures, and modern treatments. Buy Young Star to secure a solid foundation for success and cheer throughout life.
Key Features
- Hospitalization coverage including room rent, nursing expenses, surgeon and anesthetist fees, ICU charges, diagnostic materials, dialysis, chemotherapy, and more
- Coverage for day care procedures
- Pre and post hospitalization expenses up to 60 and 90 days respectively
- Emergency road ambulance expenses
- E-Medical Opinion service for expert medical advice
- Coverage for AYUSH and modern treatments
- Health check-up expenses up to specified limits annually without affecting the sum insured
- Automatic restoration of basic sum insured by 100% upon utilization
- Cumulative bonus of 20% of basic sum insured for each claim-free year up to 100%Additional coverage for road traffic accidents (RTA)Star Wellness Program offering premiums discount based on wellness points earned
- Hospital cash benefit for hospitalization days
Special Features
- Discount for continuous renewal before age 36 and at renewal age 40
- Flexible midterm inclusion for married spouse, newborn babies, and adopted children
- Instalment premium payment options with loading charges
- Option to migrate or port the policy as per IRDAI guidelines
- Free look period of 30 days on new policies
Eligibility
- Adults: 18 years to 40 years
- Dependent Children: 91 days to 25 years (on floater basis only)
- Life-long renewals available beyond the initial age limits
Plan Options
- Silver Plan
- Gold Plan (includes additional benefits like delivery expenses and wellness program)
Sum Insured Options
- Rs. 3,00,000 (Individual only)
- Rs. 5,00,000 to Rs. 1,00,00,000 (Individual and Floater basis)
Policy Term
- 1 year, 2 year, 3 year policies available
- Discounts available for multi-year policies
Exclusions (Not exhaustive)
- Pre-existing diseases and specific waiting period illnesses
- Cosmetic or plastic surgery except medically necessary
- Hazardous or adventure sports injuries
- Treatment for alcoholism, drug abuse, infertility, and weight control surgery
- Dental treatments except due to accidents
- Experimental/unproven treatments
- Convalescence, general debility, and non-medically necessary hospitalization
Renewal & Claims
- Policy is ordinarily renewable with no claim-based refusal
- Grace period of 30 days for renewal without coverage
- Direct in-house claims settlement with cashless hospitalization facility at network hospitals
- Claim procedure support with 24/7 helpline
Premium Details
Premium rates vary based on sum insured, plan, age, and family size. Premium can be paid annually, biennially, triennially or in instalments (monthly, quarterly, half-yearly) with applicable loading.