Star Young Star Health Insurance

The Young Star Insurance Policy from Star Health Insurance is your go-to plan covering all your medical expenses during hospitalisation. Packed with special features like automatic restoration, ambulance coverage, no room rental limits, and the flexibility for mid-term inclusions, it's designed to cater to your unique needs.

This health insurance plan is suitable for individuals aged between 18 and 40, covering not just yourself but also your spouse, parents, and dependent children aged 91 days to 25 years.

You can even choose your coverage wisely, with options ranging from Rs. 3 Lakh on an individual basis to Rs. 5 Lakh to Rs. 1 Crore on a family floater basis. Moreover, if it's a family floater plan, the benefits are shared among all insured members. Also, the plan comes in two variants i.e. Gold and Silver.

Star Young Star Health Insurance At a Glance

Highlights of Star Young Star Health Insurance Plan are mentioned below in below:

Coverage	Both Individual and Family Floater
Variants	Silver and Gold
Riders	Mid-Term Inclusion, Star Wellness Program
Policy Period	1, 2 and 3 Years
Key Features	Health Reward Program, Easy Family Inclusion, etc.
Inclusion	Room Rent, Day Care Procedure, Modern Treatment, etc.
Exclusion	Specific Body Trouble, Gender Change treatment, etc.

Riders Available With Star Young Star Health Insurance

Here are some extra perks you enjoy with the Star Young Star Health Insurance Policy:

• Mid-Term Inclusion: Want to add more family members, like a newly married partner, a newborn, or an adopted child? No worries. Just pay a bit more, and within 45 days (90 days for a newborn), inform your insurance provider about the new addition to your family.
• Increased Coverage after Accidents: If you end up in the hospital due to a road accident, your coverage gets a boost. The policy steps up with a 25% increase in your base coverage, capping at a maximum of Rs. 10 lakhs.
• Star Wellness Program: Stay healthy and reap the rewards! Yes, this Star health insurance plan supports your healthy lifestyle with engaging wellness activities. Plus, you can utilize the health points you earn to grab a discount on your upcoming premium.

Key Features of Star Young Star Health Insurance Plan

The key features of Young Star policy are as follows:

• Easy Family Inclusion: Easily add your newly married spouse, newborn, or legally adopted child to your policy by paying a small additional premium. Keep in mind that any waiting periods will apply from the date they join.
• Eligibility Criteria: If you're aged between 18 and 40, you qualify for this health insurance policy. Opt for the Floater basis, and you can cover up to three dependent children aged between 91 days and 25 years.
• Smart Saver Discount: Obtain a 10% discount on your premium by purchasing the policy before turning 36 and renewing it after reaching 40.
• Health Rewards Program: You can accumulate wellness points by adopting a healthy lifestyle, and use them to enjoy discounts ranging from 2% to 10% when renewing your policy.
• Accident Coverage Boost: If your basic coverage runs out and you end up hospitalised due to a road accident, then your coverage will increase by 25%, with a maximum limit of Rs. 10,00,000.
• Maternity Benefit: Maternity benefits are available with Star's Young Star policy, but only under the Gold variant. This means that delivery coverage, amounting to Rs. 30,000, becomes applicable but only after a waiting period of three years.
• Pre-existing Diseases (PED): With a short waiting period of 1 year for PED, the Star's Young Star Policy is a great choice. This signifies that in case you have conditions like diabetes or cardiovascular problems, the insurer covers all related costs after just one year.
• Flexible Payment Options: With Star Young Star Health Insurance policy, you get the flexibility to choose how often you want to pay your policy premium – quarterly, half-yearly, annually, biennially (once every 2 years), or triennially (once every 3 years). This flexibility is available for Sum Insured amounts of Rs. 5 lakhs and above.
• No Medical Examination Required: You don't need to undergo a pre-medical test to secure this policy.
• Policy Types: Whether you prefer an individual policy or the floater option, the choice is yours.

Eligibility Criteria of Star Young Star Health Insurance Plan

Parameters	Eligibility Criteria
Minimum entry age	Adult: 18 Years Dependent Child: 91 Days
Maximum entry age	Adult: 40 years Dependent Child: 25 Years
Number of People Covered	Self, Spouse, and Up to 3 Dependent Children
Sum insured	Rs. 3 lakhs to Rs. 1 Crore

Variants of Star Young Star Health Insurance Policy

The two different variants of Young Star policy are tabulated below:

Features	Silver	Gold
Daily Hospital Cash	Not Available	Available Up to 1K Per Day
Maternity Cover	Not Available	Covered Up to 30K
No Claim Bonus	Available Up to 100% of the Sum Insured	Available Up to 100% of the Sum Insured
Daycare Treatment	Covered	Covered
Modern Treatment	Covered	Covered

Benefits of Star Young Star Health Insurance Plan

The benefits of the Young Star policy involve the following:

• No Worries about Medical Bills: You won't have to pay anything for your treatment. The health insurance company takes care of the whole bill, up to the limit they agreed on. This means that there's no need for you to share the cost.
• Covered for Everything: With the Young Star policy, you're covered for any illness unless the insurance company clearly says they won't cover it. You can get the full amount for treatment, no matter what sickness you have. This policy doesn't limit you to specific diseases.
• Good Restoration Benefit: If you use part of your coverage once, you don't need to worry. The Restoration Benefit means you get all your coverage back. So, if you end up in the hospital more than once, you're still fully covered.
• Free Checkups to Keep You Healthy: The insurance company will pay for a full body checkup every year. You can stay on top of your health without worrying about the cost.
• Room Choice Made Simple: You get to decide if you want to share a room or have a single room just for yourself. But if you're thinking of something a bit fancy, you might need to put in some money.
• Pre and Post-Hospitalisation Expenses Covered: Whether the doctor needs to run tests before or after your stay at the hospital, the insurer has your back. They'll cover these costs fully for a reasonable time – 60 days before you're hospitalised and 90 days after you leave.
• Day Care Treatments Covered: If you're in the hospital for less than 24 hours for a small procedure like dialysis, chemotherapy, or minor surgery, the insurer will cover these costs too.

Inclusions of Star Young Star Health Insurance Plan

The following are the inclusions of Young Star policy:

• In-Patient Hospitalisation: You're covered for hospitalisation expenses lasting more than 24 hours due to illness, injury, or accidents.
• Pre-Hospitalisation: Before your hospital stay, expenses incurred up to 60 days are covered, in addition to in-patient hospitalisation.
• Post-Hospitalisation: Medical expenses within 90 days after leaving the hospital are covered, following the policy limits.
• Room Rent: Costs for a single private A/C room, boarding, and nursing during in-patient hospitalisation are covered.
• Road Ambulance: Ambulance charges for private services, transporting you to and from hospitals for better treatment, are covered.
• Day Care Procedures: Quick medical treatments and surgeries requiring less than 24 hours of hospitalisation due to technological advancements are covered.
• Modern Treatment: Expenses for modern treatments like oral chemotherapy, intravitreal injections, and robotic surgeries are covered up to specified limits.
• E-Medical Opinion: Access an e-medical opinion from the company's expert panel upon the insured person's request.
• Health Check-Up: Coverage for health check-up expenses at network hospitals up to specified limits, irrespective of the claim.
• Delivery Expenses: Coverage for delivery expenses, including Caesarean section, up to Rs. 30,000 per delivery, with a maximum of two deliveries.

Exclusions of Star Young Star Health Insurance Plan

Here are some of the many things that are not covered by the Star Young Star Insurance Policy:

• Infertility and In Vitro Fertilisation: If you're trying for a baby or need help with test tubes, sorry, the policy won't cover it.
• Specific Body Troubles: Treatment for specific issues like ear, nose, throat, hernia, piles, and more won't be covered.
• Slimming Surgery Not Included: If you're thinking about surgery to lose weight, the policy won't foot the bill for that.
• Gender Change Treatment: If you're considering changing genders, the policy won't cover the costs for that.
• Beauty Fixes: Cosmetic or plastic surgery for beauty reasons won't be covered by the policy.

Documents Needed for Star Young Star Health Insurance

You need to submit the below-mentioned documents to get Star Young Star Health Insurance policy:

• An accurately filled Application Form.
• Proof of identity, such as Aadhar card, Passport, Voter ID, or Driver's license
• Proof of your age, like Birth Certificate, School Leaving Certificate, or Passport
• Proof of address that involves Utility Bills, Rental Agreement, or Aadhar Card
• Passport-sized Photographs
• Pre-policy health check-up reports might be needed in some cases
• Any other documents requested by the insurance company.

How to Buy Star Young Star Health Insurance Plan?

Buying Star Young Star Health Insurance is quite easy with InsuranceDekho. Here’s a step-by-step guide that you need to follow:

Step 1: Open the InsuranceDekho website, and click on "Health Insurance" in the Insurance section.

Step 2: Click on "Star Health Insurance" from the list of Health Insurance Companies.

Step 3: Select the "Young Star" plan from the available plan options.

Step 4: Review the terms and conditions in the Young Star policy document.

Step 5: Upload all necessary documents to complete the KYC process.

Step 6: After KYC, make the premium payment online.

Step 7: Receive the policy document in your email.

Claim Process for Star Young Star Health Insurance Plan

One can claim Star Young Star Health Insurance policy in two ways that are as follows:

Cashless Claim

• Visit a hospital affiliated with Star Health Insurance.
• Provide your Young Star plan details and necessary information.
• Submit the required documents, and the insurance company will approve the expenses.
• The insurance company will directly pay the hospital after reviewing the claim settlement.

Reimbursement Claim

• Choose a nearby hospital in the Star Health Insurance network.
• Pay your medical bills at the hospital.
• Request a reimbursement claim on the insurance company's website.
• Submit the Young Star policy claim form and all plan-related information.
• After the insurance company checks your claim, they will reimburse you for the medical expenses.