Star Health Super Star Plan

Star Health Super Star Plan

Star Health Super Star plan provides unlimited medical coverage to the insured once in the lifetime of the policy with the ‘Limitless Care’ benefit. It also comes with the ‘Freeze Your Age’ benefit, which freezes the entry age of the policyholder and charges premium on that age until a claim is raised. The plan also offers a 100% additional sum insured at each renewal and unlimited restoration of the sum insured.

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This Star health insurance policy also covers pre-existing hypertension, asthma, diabetes, coronary artery diseases, and high cholesterol from day 31 of the policy with the ‘Quick Shield’ benefit. Additionally, it comes with attractive benefits, including maternity expenses, consumables cover, women care, dental check-ups and cleaning, hospital cash benefit, annual health check-ups and high-end diagnostic benefit.

Star Health Super Star Plan: Key Highlights

Benefits of Star Health Super Star Plan

Take a look at the key benefits of buying a Star Health Super Star plan:

1. Access to Limitless Care

   Star Health & Allied Insurance Company provides unlimited medical care to the policyholder by covering the cost of in-patient treatment or day care treatment without any sum insured limit with the ‘Limitless Care’ benefit. However, this benefit is available only once in the lifetime of the policy.

2. PED Coverage from Day 31

   Policyholders can get coverage for pre-existing asthma, diabetes, high cholesterol, hypertension, and coronary artery diseases after serving the initial waiting period under the ‘Quick Shield’ benefit.

3. Freeze Your Age

   The ‘Freeze Your Age’ benefit locks in the entry age of the policyholder so that the insurance company charges the same premium unless a claim is filed. However, this benefit is available only to people buying the policy up to the age of 50 years.

4. Unlimited Guaranteed Bonus

   This health insurance plan increases your sum insured by 100% during each renewal, irrespective of the claim history under the ‘Super Star Bonus’ benefit.

5. Unlimited Restoration of the Sum Insured

   With this benefit, the policy sum insured is restored by 100% unlimited times a year every time a claim is raised. However, this benefit is not available for policies with unlimited sum insured.

6. Cumulative Bonus

   The insurance company enhances the sum insured by 50%, up to a maximum of 100%, in case the insured does not raise a claim in the previous policy year. However, this benefit is not available for policies with unlimited sum insured.

7. Annual Health Check-ups

   The Star Health Super Star insurance policy comes with an annual health check-up benefit, available from day 1 of the policy.

8. Wellness Discount

   Policyholders can earn a renewal premium discount of up to 20% by earning wellness points through performing various activities under the Star Wellness Program.

9. Value-Added Services

   Star Health & Allied Insurance Company offers value-added services that enable policyholders to earn a discount on pharmacy, diagnostics, and doctor consultations availed at any of its network providers.

10. Cashless Anywhere Facility

    This Star health insurance policy comes with the ‘Cashless Anywhere’ facility, which allows the insured to avail cashless treatment at any hospital of their choice across the country.

11. Tax Benefits

    The premiums paid to buy a Star Health Super Star insurance policy can be claimed for tax deductions under Section 80D of the Income Tax Act.

Star Health Super Star Plan Eligibility Criteria

Check out the eligibility criteria to buy a Star Health Super Star plan:

Inclusions of Star Health Super Star Plan

The Star Health Super Star plan comes with the following inclusions:

• In-patient Hospitalization Expenses - It covers medical expenses incurred on a minimum hospitalization of 24 hours, including room rent, ICU charges, doctor’s fees, medicine costs, etc.
• Day Care Treatment - It pays for the cost of day care treatments, requiring hospitalization of less than 24 hours.
• Pre-hospitalization Expenses - It covers the medical expenses incurred for up to 90 days before hospitalization.
• Post-hospitalization Expenses - It pays for the medical expenses incurred for up to 180 days after hospital discharge.
• Modern Treatments - It covers the cost of availing 12 modern treatments or procedures, including stem cell therapy, robotic surgeries, oral chemotherapy and deep brain stimulation.
• AYUSH Treatment - It pays for the in-patient treatments availed through Yoga, Ayurveda, Siddha, Unani and Homeopathy at an AYUSH hospital.
• Road Ambulance - It covers the cost of availing road ambulance services to transport the insured to & from the hospital and from one hospital to another.
• Air Ambulance - It pays for the cost of availing ambulance services through an airplane or helicopter on the recommendation of the doctor.
• Home Care Treatment - It covers the cost of availing home-based treatments, such as asthma, fever, gastroenteritis, palliative cancer, etc.
• Organ Donor Expenses - It pays for the medical costs of harvesting the donated organ for the transplant surgery of the insured, including post-donation complications of the donor.
• E-Domestic Second Medical Opinion - It covers the cost of availing second medical opinion from a domestic network of doctors.
• Domiciliary Hospitalization - It pays for the cost of domiciliary hospitalization of three days or more in case getting admitted to a hospital is not possible.
• Premium Waiver Benefit - It waives off the policy premium for the next year if the policyholder is diagnosed with a critical illness or dies in an accident.
• Dental Check-up & Cleaning - It covers the cost of dental consultations, X-rays and scaling incurred by the insured. However, this cover is only available under 2-year or 3-year policy tenure.
• Tele-Consultation - It allows the insured to avail unlimited teleconsultations with doctors through the insurer’s mobile application.
• AI-Driven Face Scan - It enables the insured to check vital parameters, such as heart rate, oxygen saturation, etc., through an AI-driven face scan available on the Star Health app. However, this feature is available only twice a month.

Optional Covers:

• Limitless Care - It covers the cost of the in-patient treatment or day care procedure without any sum insured limit once in the lifetime of the policy.
• Quick Shield - It waives off the waiting period for pre-existing diabetes, coronary artery diseases, hypertension, hyperlipidemia and asthma by covering these diseases from day 31. This cover is available to people up to the age of 65 years only.
• Super Star Bonus - It pays a 100% additional sum insured to the insured after each renewal, irrespective of the claims filed in the previous year.
• Maternity Benefit - It covers the maternity expenses incurred on normal or caesarean delivery, pre-natal care, post-natal care and assisted reproduction treatment. This maternity insurance benefit also covers the hospitalization expenses of the newborn baby.
• Coverage for Non-Medical Items - It covers the cost of non-medical items or consumables used during in-patient hospitalization or day care treatment.
• Women Care - It covers the treatment cost of a newborn baby from day 1, including the treatment for congenital defects. However, this benefit is only available for pregnant women.
• High-end Diagnostics - It pays for the cost of specific high-end diagnostic tests availed on an OPD basis.
• Personal Accident Cover - It pays compensation to the insured in case of permanent total disability or death due to an accident across the globe.
• Annual Health Check-ups - It covers the cost of availing annual health check-ups from day 1 of the policy.
• Hospital Cash Benefit - It pays a cash allowance to the insured for each day of hospitalization.
• Future Shield - It provides continuity benefits to the newly added spouse for all waiting periods in the policy. However, this cover is available only if the spouse to be added is not more than 35 years old.
• E-International Second Opinion - It enables the incurred to avail second medical opinion from an international panel of doctors once a policy year.
• Reduction in Specified Disease/Procedure Waiting Period - It reduces the waiting period for specified diseases or procedures from 2 years to 1 year.
• Reduction in PED Waiting Period - It provides the option to reduce the pre-existing diseases waiting period from 3 years to 2 years or 1 year. This cover is available to people up to the age of 65 years only.
• Durable Medical Equipment Cover - It covers the medical expenses incurred on renting or purchasing necessary medical equipment, such as wheelchairs, oxygen concentrators, etc., once in the lifetime of the policy.
• Smart Network - It provides a premium discount of 15% in case the insured opts to avail treatment at a hospital under the Smart Network of Star Health & Allied Insurance Company.
• Voluntary Co-payment - It enables the policyholder to opt for a voluntary co-payment on claims.
• Voluntary Deductible - It allows the policyholder to opt for a voluntary deductible on all hospitalization expenses.
• Room Rent Modification - It modifies the eligible room rent category from any room to a single private AC room, shared room or general ward.
• Compassionate Visit - It pays for the travel expenses of one immediate family member of the insured in case of a life-threatening medical emergency in another city.
• NRI Advantage - It offers a 10% discount on various health insurance plans for NRIs (Non-resident Indians) or overseas citizens.

Exclusions of Star Health Super Star Plan

The following coverage are excluded by the Star Health Super Star plan:

• Obesity and weight-control treatments
• Dietary supplements and substances
• Treatment for alcoholism, drugs or substance abuse
• Vaccination expenses
• Treatments for injuries due to hazardous or adventure sports
• Cosmetic or plastic surgery
• Unproven treatments
• Intentional self-injury

Star Health Super Star Plan Waiting Periods

Here are the waiting periods applicable to the Star Health Super Star plan:

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