Super Star

No Limits, Just Benefits: Unlimited Restoration, Unlimited Renewal Bonus, Unlimited Sum Insured. Your protection never stops.

Freeze Your Age: Lock in your age and keep your premiums young until you make a claim.

Any Room: Choose from top-tier hospitals nationwide; you can pick any room at no extra cost.

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Super Star—a comprehensive health protection solution designed with your needs in mind. Secure your future with premiums that lock in your age at entry, ensuring financial predictability. Enjoy automatic restoration of your sum insured and a wealth of customizable optional covers tailored to your lifestyle. Benefit from unlimited teleconsultations, dental check-ups, and an array of additional features. With a focus on holistic care, including coverage for alternative medicine and extensive pre- and post-hospitalization support, the Super Star Health Insurance Policy ensures that you and your loved ones are always well protected.

ELIGIBILITY

Individual Entry Age

Any person aged 18 years and above can avail this policy.

IMPORTANT HIGHLIGHTS

Policy Type

This policy can be availed on an individual, floater, or multi- individual basis.

Policy Term

This policy can be availed for a term of one, two, three, four or five years

Instalment Options

The policy premium can be paid monthly, quarterly or half-yearly for policy terms of 1, 2 or 3 years.

Sum Insured

The 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 Size

Under 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 Period

The 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 Hospitalisation

Hospitalisation 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-pay

Not Applicable

Pre- Hospitalisation

Hospitalisation expenses incurred up to 90 days before hospitalisation.

Post-Hospitalisation

Hospitalisation expenses incurred up to 180 days after discharge from hospital.

Room Rent Modification

Option to modify room rent eligibility from Any Room to a Single Private AC Room/ Shared Room/ General Ward.

Road Ambulance

This policy covers ambulance charges for admission to the hospital, for shifting from one hospital to another and from hospital to residence.

Air Ambulance

This policy covers up to ₹5,00,000 in a policy year for air ambulance services if recommended by a medical practitioner.

Mid-term Inclusions

This option is available for a Newly wedded Spouse, Newborn, and Legally Adopted Child, who can be added anytime during the policy year.

Modern Treatment

Expenses 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 Treatment

Inpatient 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 Treatment

All Day Care Procedures are covered.

Organ Donor Expenses

Coverage for organ transplantation and related costs, including the donor's post-donation complications.

Home Care Treatment

Coverage for home-based treatment for specified conditions, including fever, infections, and chronic illnesses, provided that specific criteria are fulfilled.

Domiciliary Hospitalisation

Coverage for medical treatment at home for a duration exceeding three days when hospitalisation is not possible or available.

Premium Waiver 

Premium waiver for the next policy year if the proposer is diagnosed with a critical illness or dies due to an accident.

STAR Wellness Program 

The 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 Opinion

Access to a second medical opinion from a network doctor based on submitted medical records.

Value-Added Services 

Enhance 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 Network

15% premium discount for treatments at Star Health’s Smart Network hospitals. 15% co-pay applies for out-of-network treatments, excluding accidents.

Quick Shield

Waives 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 Shield

Extends 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 Care

Coverage 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 Diagnostics

Coverage 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 Cover

Provides 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-up

Covers 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-payment

Option to choose between 10%/ 20%/ 30%/ 40%/ 50% co-payment for claims.

Voluntary Deductible

Option to choose deductible amount of 10k/ 25k/ 50k/ 1L/ 2L/ 3L/ 4L/ 5L; applies on an aggregate basis for all hospitalisation expenses.

Room Rent Modification

Option to modify room rent eligibility from Any Room to a Single Private AC Room/ Shared Room/ General Ward.

E-International Second Opinion

Second medical opinion from an international panel, once per policy year for each insured person, based on medical records only.

Durable Medical Equipment Cover

Coverage 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 Visit

Covers 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 Cash

A 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 Period

Reduces 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 Period

Reduces 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 Care

Covers 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 Advantage

A Non-Resident Indian (NRI)/ Overseas Citizen will get a 10% discount on their applicable premium.

SPECIAL DISCOUNTS

Health Questionnaire Discount

Get up to 10% discount at inception and renewal by taking lifestyle and habit-related health questionnaires.

CIBIL Score Discount

Based on CIBIL Score get discount up to 15%. Available for ages up to 50 years.

Co-terminus Discount

Buy 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 Discount

2.5% discount if renewed 30 days before the premium due date.

Wellness Discount

Wellness rewards up to 20% on renewal premium.

Long-Term discount

Avail 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.