Super Star
IRDAI UIN: SHAHLIP25036V012425
HIGHLIGHTS
Plan Essentials
Freeze Your Age
No Limits, Just Benefits
Trusted Hospitals, Any Room
Optional Covers
Tele-Consultation and AI-Driven Face Scan
Dental Check-Up & Cleaning
DETAILED LIST
Understand what’s included
ELIGIBILITY
Individual Entry AgeAny person aged 18 years and above can avail this policy. |
Floater Entry AgeAny person aged 18 years and above can avail this policy. Dependent children are covered from the 91st day onwards up to 25 years.
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IMPORTANT HIGHLIGHTS
Policy TypeThis policy can be availed on an individual, floater, or multi-individual basis. |
Policy TermThis policy can be availed for a term of one, two, three, four or five years. |
Instalment OptionsThe policy premium can be paid monthly, quarterly or half-yearly for policy terms of 1, 2 or 3 years. |
Sum InsuredThe Sum Insured options under this policy are ₹5,00,000, ₹7,50,000, ₹10,00,000, ₹15,00,000, ₹20,00,000, ₹25,00,000, ₹50,00,000, ₹1,00,00,000, & Unlimited Sum Insured.
Note: SI options 1 Crore & Unlimited can be offered only up to 65 years of age; this condition is applicable at the time of inception of the policy. |
Family SizeUnder floater Sum Insured, you can add Self + Spouse/ Live-in Partner + Dependent Children. Maximum family size covered under floater policy: 2 Adults + 4 Children. |
Waiting PeriodThe initial waiting period is 30 days; for specified conditions, surgeries/ treatments are 24 months, and for pre-existing disease(s) (PED), it is 36 months. |
POLICY BENEFITS
In-Patient HospitalisationHospitalisation expenses incurred for a period of more than 24 hours on account of illness, injury or accidents are covered up to the Sum Insured. |
Co-payNot Applicable |
Pre- HospitalisationHospitalisation expenses incurred up to 90 days before hospitalisation. |
Post-HospitalisationHospitalisation expenses incurred up to 180 days after discharge from hospital. |
Room Rent ModificationOption to modify room rent eligibility from Any Room to a Single Private AC Room/ Shared Room/ General Ward. |
Road AmbulanceThis policy covers ambulance charges for admission to the hospital, for shifting from one hospital to another and from hospital to residence. |
Air AmbulanceThis policy covers up to ₹5,00,000 in a policy year for air ambulance services if recommended by a medical practitioner. |
Mid-term InclusionsThis option is available for a Newly wedded Spouse, Newborn, and Legally Adopted Child, who can be added anytime during the policy year. |
Modern TreatmentExpenses incurred for modern treatments such as Stem cell therapy for bone marrow transplant, Uterine artery embolisation, Balloon Sinuplasty, Deep Brain Stimulation, Oral Chemotherapy, Immunotherapy, Intravitreal injections, Robotic surgeries, Stereotactic radiosurgery, Bronchial Thermoplasty Holmium laser treatment, IONM (Intra Operative Neuro Monitoring) are covered up to the Sum Insured. |
AYUSH TreatmentInpatient hospitalisation expenses incurred for treatments under the Ayurveda, Yoga and Naturopathy, Unani, Sidha and Homeopathy systems of medicine in AYUSH hospitals are covered up to the Sum Insured. |
Day Care TreatmentAll Day Care Procedures are covered. |
Organ Donor ExpensesCoverage for organ transplantation and related costs, including the donor's post-donation complications. |
Home Care TreatmentCoverage for home-based treatment for specified conditions, including fever, infections, and chronic illnesses, provided that specific criteria are fulfilled. |
Domiciliary HospitalisationCoverage for medical treatment at home for a duration exceeding three days when hospitalisation is not possible or available. |
Premium WaiverPremium waiver for the next policy year if the proposer is diagnosed with a critical illness or dies due to an accident. |
STAR Wellness ProgramThe STAR Wellness Program—accessible through the STAR Health App and STAR Wellness App—allows you to earn over 1,000 points yearly through various wellness activities. These points can be redeemed for up to a 20% discount on renewal premiums. |
E-Domestic Second Medical OpinionAccess to a second medical opinion from a network doctor based on submitted medical records. |
Value-Added ServicesEnhance your health journey with discounts on pharmacy, diagnostics, and consultations, all available through the STAR Health App. |
OPTIONAL COVERS (AVAILABLE ON PAYMENT OF ADDITIONAL PREMIUM)
Smart Network15% premium discount for treatments at Star Health’s Smart Network hospitals. 15% co-pay applies for out-of-network treatments, excluding accidents. |
Quick ShieldWaives PED Waiting Period for specific conditions (Diabetes, Hypertension, Asthma, Hyperlipidemia, certain Coronary Artery Diseases). Coverage starts from Day 31. |
Coverage for Non-medical Items (Consumables)The coverage for non-medical items as specified in List I of the policy schedule will be payable if the claim for in-patient/ day care treatment is admissible under the policy. |
Future ShieldExtends continuity benefits for all waiting periods for a newly added spouse (must be under 35 years of age). The Spouse must be added within 120 days of marriage with a marriage certificate. |
Maternity Expenses● Option A:
Delivery Expenses (with 24 months waiting period) including the Caesarean section (both pre-natal and post-natal) are covered up to limits specified in the policy clause.
Newborn treatment from Day 1 of birth is covered up to the limits specified in the policy clause.
● Option B:
Delivery Expenses (with 12 months waiting period) including the Caesarean section (both pre-natal and post-natal) are covered up to limits specified in the policy clause.
Newborn treatment from Day 1 of birth is covered up to the limits specified in the policy clause.
● Option C:
Assisted Reproduction Treatment expenses are covered up to the limits specified in the policy clause. |
Women CareCoverage for a newborn starts immediately after birth, up to specified limits, including congenital defects up to the Sum Insured. This requires the submission of 12 and 20-week pregnancy scan reports. |
High-end DiagnosticsCoverage for specific diagnostic tests up to ₹25,000 per policy year, including Brain Perfusion Imaging, CT-guided biopsy, CT urography, Digital Subtraction Angiography (DSA), Liver Biopsy, Magnetic Resonance Cholangiography Scan, PET CT, PET MRI, and Renogram. |
Personal Accident CoverProvides payouts for accidents caused by external, violent, and visible factors under two options:
Option A: Accidental Death of the Insured Person
Option B: Accidental Death and Permanent Total Disablement of the Insured Person |
Annual Health Check-upCovers up to 1% of the sum insured for tests or vaccinations, available from day one on a cashless basis. Tests must be booked via digital platforms (e.g., Mobile App) and are subject to a ₹25,000 cap per year. |
Voluntary Co-paymentOption to choose between 10%/ 20%/ 30%/ 40%/ 50% co-payment for claims. |
Voluntary DeductibleOption to choose deductible amount of 10k/ 25k/ 50k/ 1L/ 2L/ 3L/ 4L/ 5L; applies on an aggregate basis for all hospitalisation expenses. |
Room Rent ModificationOption to modify room rent eligibility from Any Room to a Single Private AC Room/ Shared Room/ General Ward. |
E-International Second OpinionSecond medical opinion from an international panel, once per policy year for each insured person, based on medical records only. |
Durable Medical Equipment CoverCoverage for rental/purchase of necessary medical equipment (e.g., oxygen concentrators, wheelchairs, etc.), up to ₹5 Lakh, payable once during the lifetime of the policy. |
Compassionate VisitCovers up to ₹10,000 for a family member's travel in case of life-threatening emergency hospitalisation away from home. This benefit applies only if the hospitalisation claim is valid. |
Hospital CashA cash benefit for each completed day in the hospital is provided up to the limits mentioned in the policy clause. |
Reduction of Specified Disease/ Procedure Waiting PeriodReduces the waiting period from 24 months to 12 months for the first purchase of the policy, up to the chosen Sum Insured. |
Reduction of Pre-Existing Diseases Waiting PeriodReduces the waiting period from 36 months to either 12 or 24 months for the first purchase of the policy, up to the chosen Sum Insured. |
Limitless CareCovers In-Patient/ Day Care Treatment with no Sum Insured limits for one claim in lifetime, after which the cover ends, and the Sum Insured resets to zero for that policy year. |
Super Star Bonus (Guaranteed Bonus)Provides a 100% cumulative bonus of the Sum Insured, accumulating up to an unlimited amount. This cover is not available for policies with an Unlimited Sum Insured. |
NRI AdvantageA Non-Resident Indian (NRI)/ Overseas Citizen will get a 10% discount on their applicable premium. |
SPECIAL DISCOUNTS
Health Questionnaire DiscountGet up to 10% discount at inception and renewal by taking lifestyle and habit-related health questionnaires. |
CIBIL Score DiscountBased on CIBIL Score get discount up to 15%. Available for ages up to 50 years. |
Co-terminus DiscountBuy a policy for yourself/family and another for parents/parents-in-law within 1 month to get a 2.5% discount for one parent or 7.5% for two, under floater/multi-individual plans. |
Early Renewal Discount2.5% discount if renewed 30 days before the premium due date. |
Wellness DiscountWellness rewards up to 20% on renewal premium. |
Long-Term discountAvail a 10% discount on the 2nd-year premium, 12.5% discount on the 3rd-year premium, 14% discount on the 4th-year premium, and 16% discount on the 5th-year premium. |
STAR HEALTH
Why Choose Star Health Insurance?
As a Health Insurance specialist, we extend our services from offering tailor-made products to fast in-house claim settlements. With our growing network of hospitals, we ensure easy access to fulfill your medical needs.
‘Happily Insured!’ with Star Health
We are committed to saving you time, saving you money, and getting rid of the hassles that make health insurance so hard to navigate.
Tiji K Oommen
Thiruvananthapuram
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Vanishree
Bengaluru
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Ramachandran
Chennai
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Shaila Ganachari
Mumbai
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Sudhir Bhaiji
Indore
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My friend told me to buy health insurance from Star Health Insurance. That helped me during my son’s illness. Their cashless treatment facility was very helpful at the time. I truly appreciate their service and support.
I have been with Star Health Insurance for the past 8 years, and have applied for two claims in that time. Both claims got settled, and I received good support from the company during my hospitalisation.
My family has been with Star Health Insurance since 2006. Our claim, which we applied during last month, was handled without any hassle. We are happy that we are part of such service providers.
Star Health Insurance helped me a lot when I was in need. I was covered under Star’s Comprehensive policy, which provided me cashless treatment at their network hospital during my Angioplasty surgery.
I have been using Mediclaim services for the last 7-8 years. I had tried other companies. But, I satisfied with the service Star Health Insurance has provided me, they also have friendly support personnel.
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Super Star
As healthcare expenses continue to rise, the demand for flexible, comprehensive health insurance is increasingly vital. Super Star addresses this need by allowing customers to choose coverage that grows with them, positioning it as a true game changer in the industry.
Endlessly Customisable
Cover yourself, your spouse, your children, your parents, and your extended family with options for individual or floater Sum Insured. This flexibility ensures coverage that fits your life stage.
Sum Insured
The Super Star plan offers various Sum Insured options, from Rs 5 lakhs to Rs 1 crore, including an unlimited Sum Insured choice, allowing customers to choose a plan that aligns with their specific needs. The Super Star marks a significant advancement in India's health insurance landscape, effectively addressing the balance between affordability and comprehensive protection.
Key Features
Freeze Your Age
This innovative option allows policyholders to save their premiums based on their entry age until a claim is made, leading to significant savings over time. It is available for individuals up to the age of 50 at the time of entry.
No Claim Bonus (NCB)
Policyholders who have a year without any claims are eligible for a 50% No Claim Bonus (NCB), which can rise to 100% of the Sum Insured. This benefit ensures that responsible health management leads to enhanced coverage over time.
Automatic Restoration of the Sum Insured
The Sum Insured is automatically restored for related and unrelated illness throughout the policy year in case of hospitalisation, which provides reassurance.
Choose Any Room
With access to top-tier hospitals, choose any room without incurring extra charges.
Midterm Inclusion
The plan allows the addition of recently married spouses, newborns or legally adopted children to offer ideal coverage for expanding families.
Wellness Program
The wellness program offers incentives for maintaining a healthy life. It provides policyholders with rewards of up to 20% on renewal premiums, thereby motivating them to take an active role in their health management.
Co-terminus Discount
Individuals who acquire a Super Star policy for themselves can benefit from a discount of up to 7.5% when purchasing the same policy for their parents or parents-in-law, making family coverage more affordable.
Addition Benefits
Super Star bonus
Policyholders have the opportunity to increase their Sum Insured by an additional 100% at each renewal without any limit.
Consumables cover
This plan covers non-payable items such as masks, gloves, and other consumables.
Smart network discount
A 15% premium discount is offered to policyholders who choose treatment at a preferred hospital network.
21 Optional Covers
Super Star offers up to 21 optional covers, enabling you to customise your policy to meet your specific requirements and preferences. The 21 optional covers are:
1. Limitless Care
2. Super Star Bonus (Guaranteed Bonus)
3. Women Care
4. Future Shield
5. Maternity Expenses
6. Quick Shied
7. Annual Health Check-up
8. Reduction of Specified Disease/ Procedure Waiting Period
9. Reduction of PED Waiting Period
10. Personal Accident Cover
11. Coverage for Non-Medical Items (Non-consumables)
12. High-end Diagnostics
13. Durable Medical Equipment Cover
14. Hospital Cash
15. NRI Advantage
16. E-International Second Opinion
17. Compassionate Visit
18. Smart Network
19. Room Rent Modification
20. Voluntary Co-payment
21. Voluntary Deductible
Super Star offers a unique and comprehensive health insurance plan that accommodates your needs at every stage of life. Super Star ensures that you and your loved ones have complete coverage and peace of mind with customisable protection, advanced treatment options, special discounts, maternity benefits, and wellness rewards.
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