SHYAM PRASAD P K

The Super Star Flexi is a versatile multi-rider health insurance plan combining a strong base policy with specialized Flexi variants to suit different budgets and life stages.

Core Plan Features

• Freeze Your Age: Premium locked to entry age until first claim.
• Unlimited Restoration: 100% refill of Sum Insured – unlimited times.
• Any Room Category: No room rent limit.
• Modern Treatments: Robotic surgery, oral chemo, stem cell therapy.
• Wellness Rewards: Up to 20% renewal discount.

Available Variants

• Preferred: Any room, Air ambulance ₹5L, Premium return.
• Secure: 100% Loyalty bonus every year, SI stacking.
• Classic: Comprehensive health coverage with flexible room options, Air Ambulance cover up to ₹5 Lakhs, premium return benefit, and enhanced protection through 100% yearly loyalty bonus with SI stacking for long-term financial security.

Technical Details

• Adults: 18+ | Children: 91 days – 25 years
• Initial waiting: 30 days
• Specific disease waiting: 24 months
• Pre-existing disease waiting: 36 months

Limitless Care (Optional)

If a claim exceeds ₹1 Crore, Star Health pays the full admissible amount once in a lifetime.

Star Health Assure is a comprehensive, new-age health insurance plan designed for individuals and large families. It stands out for its high Sum Insured options (up to ₹2 Crore) and its rare Unlimited Restoration feature.

Key Highlights

• Sum Insured: ₹5 Lakhs to ₹2 Crores.
• Family Floater: Up to 9 members including parents & in-laws.
• Room Rent: ₹5L – 1% of SI | ₹10L–₹25L – Deluxe Room | ₹50L+ – No Limit.
• Unlimited Restoration: Restored unlimited times in a policy year.

Modern Treatment Benefits & Inclusions

• Non-medical consumables covered.
• IVF / Assisted reproduction (as per terms).
• Home care treatment up to 10% of SI.
• Newborn baby covered from 16th day.
• Wellness discount up to 20%.

Waiting Periods

• Initial: 30 Days (except accident).
• Specific diseases: 24 Months.
• Pre-existing diseases: 30–36 Months.
• Maternity: 24 Months.

Why Choose Star Health Assure?

• Higher Sum Insured (up to ₹2 Crore).
• Unlimited restoration vs once-per-year in many plans.
• Large family coverage.
• Consumables included.

Quick Summary

• Entry Age (Family Floater Plan): 16 days – 75 years.
• Entry Age (Individual Plan): 18 years – 75 years.
• Pre-Hospitalization: 60 days.
• Post-Hospitalization: 180 days.
• Health Check-up: ₹2,500 to ₹15,000 claimable per year.
• Air Ambulance: Up to 10% of SI.

Star Health Women Care is a niche health insurance policy crafted to meet women's medical needs at every life stage. It works as a regular family health plan, while strongly focusing on maternity, newborn care and women-specific illnesses.

Key Highlights & Eligibility

• Sum Insured: ₹5 Lakhs to ₹1 Crore.
• Can buy while pregnant: Usually between 12th–20th week.
• No pre-medical screening required.
• Entry Age: Women 18–75 yrs | Children 91 days–25 yrs.

Women-Centric Benefits

• Maternity (normal & C-section).
• Antenatal OPD & scans after pregnancy confirmation.
• IVF / IUI assisted reproduction.
• In-utero fetal surgery.
• Voluntary sterilization (after 24 months).
• Optional female cancer lump sum rider.

Newborn & Pediatric Benefits

• Baby covered from Day 1 (up to 25% of SI).
• Vaccination expenses covered.
• Congenital defects covered.
• Mother stay covered if child is in ICU.

Room Rent Limits

• ₹5L SI – 1% per day.
• ₹10L–₹25L SI – Single Private AC room.
• ₹50L–₹1Cr SI – Any room.

Waiting Periods

• Initial: 30 Days.
• Maternity & IVF: 12–24 Months.
• Pre-existing diseases: 24 Months.

Best For

• Women planning pregnancy.
• Newly married couples.
• Women needing lifelong protection for female illnesses.

Star Health Comprehensive is an all-rounder family health insurance plan that covers almost every medical scenario – from OPD and pharmacy expenses to major surgeries, maternity and ICU care – in one single package.

Key Highlights

• Sum Insured: ₹5 Lakhs to ₹1 Crore.
• Room Rent: Single Private AC Room (suite excluded).
• Automatic Restoration: 100% once per year.
• New Born Baby Cover: Covered from Day One onwards.
• No Claim Bonus: 50% per claim-free year up to 100%.

Comprehensive Benefits

• OPD consultations & pharmacy expenses.
• Dental & eye treatment (once every 3 years).
• Maternity (Normal ₹30k / C-section ₹50k approx).
• New born Babay cover from Day 1.
• Children critical illness covered.
• Hospital cash allowance.
• Air ambulance up to ₹2.5 Lakhs per hospitalization.
• Bariatric (weight loss) surgery.

Waiting Periods

• Initial: 30 Days.
• Specific diseases: 24 Months.
• Pre-existing diseases: 36 Months.
• Buy-back option reduces PED waiting to 12 Months.
• Maternity: 24 Months.

A specialized cancer health insurance plan that provides financial support during diagnosis and treatment, covering all stages of cancer with lump-sum payouts and hospital expenses.

• Lump-sum Benefit: On diagnosis of cancer, you get a pre-defined payout.
• Treatment Coverage: Chemotherapy, radiation, surgery, targeted therapy included.
• Hospitalization: Room rent, ICU, doctor & nursing charges covered.
• Pre & Post Hospitalization: 60 days before & 180 days after.
• Eligibility: 10 Years onwards to 65 Years.

A specialized cardiac health insurance plan that provides complete financial protection for heart diseases, covering hospitalization, surgery, ICU, diagnostics, heart transplant, cash benefits and OPD expenses.

• Outpatient Treatment Coverage: Outpatient treatment expenses are covered from Day 1 onwards.
• Health Check-up Benefit: Health check-up expenses covered from ₹2,000 to ₹4,000.
• Heart Transplant: Covered up to 200% of Sum Insured.
• 100% Restoration Benefit: 100% of Sum Insured is restored after utilization.
• Modern Procedures: Robotic surgery & minimally invasive cardiac procedures included.
• Cash Benefits: Daily hospital cash during hospitalization.
• OPD Benefits: Outpatient consultation & diagnostics covered.
• Entry Age: 7 Years to 70 Years.

A simple and easy-to-claim plan that provides daily cash benefits during hospitalization, helping cover incidental expenses, room rent, meals, and other daily costs.

• Daily Cash Benefit: Fixed cash payout per day of hospitalization.
• Worldwide Coverage: Hospital cash benefit available anywhere in the world.
• Pre-existing deceases: Covered after waiting period.
• Cash Benefits: Paid directly to you to meet daily expenses during hospital stay.
• Family Coverage: Can cover spouse and children.
• Easy Claim: Simple and hassle-free claim process.
• Entry Age: 91 Days to 65 Years.

Star Health Personal Accident Plan is a benefit-based policy that pays a fixed lump sum if an accident causes death or disability – irrespective of hospital bills. Ideal for income protection and family security.

Plan Variants

• Table A – Accidental Death only.
• Table B – Death + Permanent Disablement.
• Table C – Death + Permanent & Temporary Disablement.

Core Benefits

• Accidental Death – 100% of Sum Insured.
• Permanent Total Disablement – 150% of Sum Insured.
• Permanent Partial Disablement – 2% to 75% of SI.
• Temporary Total Disablement – Weekly payout up to ₹15,000.

Extra Inclusions

• Educational Grant for children.
• Home/Vehicle modification expenses.
• Imported medicine freight charges.
• Relative travel expenses.
• Purchase of blood expenses.

Policy Details

• Sum Insured: ₹5 Lakhs – ₹7 Crore.
• Entry Age: 18–70 years.
• Children: 5 months – 25 years.
• Cumulative Bonus: 5% yearly (max 50%).
• Premium based on occupation risk.

Star Health Special Care Gold is designed to provide comprehensive coverage for children diagnosed with autism and other special needs, covering therapies, consultations, rehabilitation, and hospitalization expenses.

This plan includes both Special Care and Special Care Gold options. Special Care Gold is meant for children with 50% or more disability and offers enhanced protection. It is an individual coverage plan.

Plan Variants

• Basic Variant
• Enhanced Variant

Key Benefits

• Coverage for speech, occupational, and behavioral therapy.
• Diagnostic & specialized care covered.
• Hospitalization & day-care procedures included.
• Rehabilitation support and follow-up visits.

Policy Details

• Sum Insured: ₹5 Lakhs – ₹10 Lakhs.
• Gold Sum Insured: ₹4 Lakhs – ₹5 Lakhs.
• Entry Age: 1 year – 18 years.
• Policy Term: 1 year, renewable lifelong.
• Waiting Period: 30 days.
• Family coverage available for siblings.

A super top-up health insurance plan that offers very high coverage amounts at affordable premiums, ideal for protecting against major medical expenses.

• Sum Insured: From ₹5 Lakhs up to ₹1 Crore.
• High Sum Insured at Low Premium: Get large coverage at a budget-friendly cost.

Star Health Young Star is designed to provide coverage for children, teenagers, and youngsters. The plan offers hospitalization, therapies, diagnostics, and day-care treatments with clearly defined one-year exclusions.

Plan Variants

• Basic Variant
• Enhanced Variant

Key Benefits

• Pregnancy coverage from the 37th week onwards, up to ₹13,000.
• Hospital cash benefit included.
• Maximum hospitalization days: 7 per admission, 14 days per year.
• Coverage for specific diseases and pre-existing conditions after one year.

Policy Details

• Sum Insured: ₹7 Lakhs – ₹1 Crore.
• Entry Age: 91 days – 40 years.
• Policy Term: 1 to 3 years.
• One-Year Exclusions: Certain pre-existing conditions not covered in first year.

Star Health Arogya Sanjeevani is a standard health insurance plan offering essential medical coverage at an affordable premium for individuals and families.

Key Features

• Hospitalization cover for illness & accidents.
• Cashless treatment in network hospitals.
• Pre & Post hospitalization expenses covered.
• ICU, medicines, diagnostics covered.
• AYUSH treatment covered.

Sum Insured Options

₹5 Lakh – ₹10 Lakhs

Policy Benefits

• Room Rent: Up to 2% of SI per day – Maximum ₹5,000.
• ICU: Up to 5% of SI per day – Maximum ₹10,000.
• Cataract surgery up to ₹40,000 per eye.
• Modern treatments covered.

Policy Details

• Entry Age: 18 – 65 years.
• Children: 3 months – 25 years.
• Waiting Period: 30 days.
• Pre-existing disease: 48 months.
• Policy Term: 1 Year.

A specially designed health insurance plan for senior citizens that provides coverage even for pre-existing diseases without medical tests and ensures lifelong protection.

• No Pre-Medical Tests: Entry without medical screening.
• Pre-Existing Diseases: Covered after a short waiting period.
• Lifetime Renewability: Continue the policy for life.
• Hospitalization: Covers ICU, room rent, doctor & nursing charges.
• Day Care Procedures: Covered as per policy terms.
• AYUSH Treatment: Ayurveda, Homeopathy, Unani included.
• Eligibility: Entry age 61 years – 75 years.
• Premium: Will not change as per age.