Star Young Star Insurance Policy

Star Young Star Insurance Policy is one of the health plans that covers all medical expenses incurred due to hospitalization, including special features such as no cap on room rent, ambulance charges, automatic restoration, mid-term inclusion etc.

Star Young Star Insurance Policy: Key Highlights

Coverage Offered

One can buy Start Young Star Insurance Policy on Individual and Family Floater basis with sum insured options Rs 3 lakh (only on Individual basis) and from Rs 5 lakh to Rs 1 crore. One can either choose a gold plan or a silver plan under this policy based on their requirements.

The following coverage is offered under Star Young Health Insurance applicable to both gold and silver plan: 

• In-hospitalization - Room rent, nursing expenses, specialist fees, ICU charges etc. are covered.
• Emergency Road Ambulance Charges- In case of a medical emergency that requires an immediate transfer to the hospital, ambulance charges are covered.
• Pre-hospitalization - Any medical expenses incurred before admission to the hospital are covered up to 60 days before hospitalization
• Post Hospitalization- Medical Expenses incurred up to 90 days after discharge from the hospital are covered.
• Daycare procedures- Any medical procedure that requires hospitalization of less than 24 hours are covered.
• E-medical Opinion- Insured can obtain E- medical opinion from the insurer's panel of experts.
• Cumulative Bonus- For every claim-free year, the insured can claim a cumulative bonus of 20% of the Basic Sum Insured
• Modern Treatments- Several modern-day treatments that require advanced medical procedures are covered, such as Deep Brain Stimulation, Balloon Sinuplasty, Oral Chemotherapy, etc.

Inclusions of the Policy

The Star Young Star Insurance Policy also covers the following benefits:

• Health Checkups -Expenses related to health check-up is covered per policy period.
• Automatic Restoration of Basic Sum Insured-If the Sum insured limit is exhausted, the insured can avail of the auto-sum restoration benefit for medical expenses except for the modern treatments.
• Additional Sum Insured for RTA- In-patient hospitalization due to a road traffic accident is covered once a policy year is given; the insured was wearing a helmet and was riding a two-wheeler.
• Star Wellness Program- The insured person can avail of rewards through wellness activities and track their healthy lifestyle. The rewards can be used to avail of savings in premium payments. 

Features and Benefits of the Star Young Star Insurance Policy

The following is the list of features and benefits that the Star Young Health Insurance covers:

• The policy has two plan options- Gold and Silver with multiple sum insured options.
• No capping on treatment at Single AC room is offered.
• Delivery Expenses up to Rs 30,000 per delivery are taken care of under the Gold plan only.
• Hospital Cash Benefit at Rs 1000 per hospitalization up to 7 days per hospitalization and 14 days per policy period is provided under the Gold plan only.
• Health checkup expenses are covered.
• Automatic Restoration by 100% is offered.
• Road Traffic Accident expenses are covered.
• Mid Term Inclusion of newly married or newborn or a legally adopted child is allowed.
• Wellness Programme is an attractive feature of this policy.
• One can buy online Star Young Star Insurance Policy and avail of a 5% saving on the premium (only applicable on the first purchase of the policy).
• Tax benefits are to be availed as per the prevailing Income Tax Act.

Exclusions of the Policy

Given below is the list of treatments and diseases that are not covered under Star Young Star Insurance Policy:

• Pre-Existing diseases
• Specified Diseases waiting period
• No expenses are covered during the 30-day waiting period.
• Rest Cure or Respite care treatment
• Obesity-related treatment
• Gender Change Treatment
• Cosmetic or Plastic Surgery Treatments
• Breach of law
• Alcoholism or any other drug addiction
• Sterility and Infertility
• Circumcision Treatment
• Intentional self-injury
• STDs
• War or invasion like situations
• Nuclear weapon attack
• Existing specified diseases

Eligibility Criteria

The minimum eligibility criteria to buy this plan are:

Cancellation of the Policy

To cancel the Star Young Star Health Insurance policies, one can refer to the following rules:

• The policyholder can cancel the policy within a 15-day free look period, and the amount will be refunded less any expenses incurred by the company or stamp duty charges.
• If the policy is canceled after 15 days, the amount will be refunded on a pro-rata basis.