Young Star in one table
| Insurer | Star Health & Allied Insurance Company Limited |
|---|---|
| Sum insured | ₹5 lakh to ₹1 crore, in tiers of 5 / 7.5 / 10 / 15 / 20 / 25 / 50 / 75 / 100 lakh, on an individual or floating sum insured. |
Claim settlement and complaint figures are IRDAI-published and held centrally by NYVO, not taken from the insurer's marketing.
What Young Star covers
These are the terms that decide what you are actually paid when you claim. Room rent, co-pay and restoration do more to shape a settlement than the sum insured does, and they are read from Star Health's own policy wording.
| Feature | This plan | What good looks like |
|---|---|---|
| Co-payment | No co-payment | No Co-payment |
| Room Rent Limit | Single private A/C room. Take a higher category and the associated charges are cut in proportion | No room rent capping |
| Disease sub-limit | No disease-wise caps on ordinary in-patient treatment. Modern treatments and home care carry their own limits | No sub-limit |
| Pre-Existing Disease waiting period | 12 months, against the 36 months most plans apply | Shorter is better |
| No Claim Bonus | 20% of the sum insured for each claim-free year, accumulating to 100% | 50% each year (Minimum upto 100%) |
| Restoration Benefit | 100% once a policy year, triggered on partial or full use, and usable for the same illness as well as a new one | 100% restoration once in a year |
| Pre-Hospitalization | 60 days | At least 60 days |
| Post-Hospitalization | 90 days | At least 120 days |
| Consumables | Not covered. Star’s list of excluded non-medical items is deducted from the claim | Consumables covered |
| Maternity (Gold Plan) | ₹30,000 a delivery, two deliveries in the lifetime of the policy, after a 36-month wait. A fresh 24-month wait applies after each claim | Included |
| Hospital Cash (Gold Plan) | ₹1,000 for each completed day, up to 7 days a hospitalisation and 14 days a policy period, after a 1-day deductible | Included |
| Road accident top-up | Sum insured increased by 25%, up to ₹10 lakh | Included |
| Day-Care Procedures | All day care procedures covered up to the sum insured | Covered without a capped list |
| AYUSH Treatment | Covered. Yoga and naturopathy need prior approval | Included |
| Entry age | 18 to 40 for adults · 91 days to 25 years for children. Lifelong renewal once you are in | Buy before 41 |
Young Star discounts you can ask for
Published discounts on this plan. Most are applied at quote stage rather than offered, so it is worth naming the ones you qualify for. Every figure is a ceiling, not a promise - what you actually get depends on the case.
| Discount | Worth | When it applies |
|---|---|---|
| Long-term discount | Up to 10% and 12.5% | 10% on the second year of a 2-year policy, 12.5% on the second and third years of a 3-year policy. |
| Wellness discount | Up to 10% | Earned through the Star Wellness Program and applied at renewal. 200 points is worth 2%, 751 points and above is worth 10%. |
| Favourable claim experience | Up to 5% | At renewal, if no claim was made or total claims stayed under ₹25,000 in the preceding three years. Only for insured persons aged up to 55, judged on the eldest member of a floater. |
From the plan brochure. Discounts apply to the base premium and are subject to the insurer’s own stacking rules.
Young Star waiting periods: when each part of the cover starts
Waiting periods run from the day cover began, not from the day you fall ill, and they run in parallel rather than one after another.
| Initial Waiting Period | 30 days |
|---|---|
| Specific Illness | 12 months |
| Pre-Existing Disease | 12 months |
| Delivery Expenses (Gold Plan) | 36 months |
The named illnesses that wait 12 months
Unusually short, and an unusually short list. Only these four categories wait, and only for 12 months rather than the 24 that most plans apply. An accident is covered from day one, and where a listed condition is also pre-existing the longer of the two waiting periods applies – here both are 12 months.
Young Star exclusions: what the plan will not pay for
Every policy carries exclusions, and they are the clauses people read for the first time at claim stage. These are the ones worth knowing before you buy.
Where Young Star falls short
No plan is right for everyone, and a page that only lists strengths is not much use to you. These are the gaps we would raise on a call before recommending it.
Young Star questions, answered
What is the difference between the Silver and Gold plans?
The base cover is identical – same room category, same restoration, same 20% bonus, same 12-month waiting periods, same sum insured range. Gold adds two things: maternity cover of ₹30,000 a delivery for up to two deliveries, and a hospital cash benefit of ₹1,000 for each completed day in hospital. If you have no intention of claiming maternity, Silver is the same policy for less money.
Are the waiting periods really only 12 months?
Yes, and this is the plan’s strongest feature. Pre-existing conditions wait 12 months instead of the 36 that Star applies on most of its range. The named specific-illness list also waits 12 months instead of 24, and the list itself is four categories rather than fourteen. Only the 30-day initial period and the 36-month maternity wait run longer.
Can I use the restoration for the same illness?
Yes. The cover refills once by 100% in a policy year, it triggers on partial use rather than waiting for the cover to be exhausted, and the restored amount can be used for all claims during the policy period, including a repeat admission for the same condition. The one exclusion is modern treatments, which the restoration does not cover.
What happens when I turn 41?
Nothing, provided you are already a policyholder. The entry age of 40 is a buying limit, not a cover limit: once you are in, renewal is lifelong and the 12-month waiting periods you have served stay served. What you cannot do is buy in for the first time after 40, which is why the plan is worth pricing before your next birthday if you are close.
Is there a co-payment on Young Star?
No. There is no mandatory co-payment at any age or sum insured, which is unusual for Star. The plan simply is not sold to the age band where Star normally imposes one, and the co-payment does not appear later as you age on the policy.
How does maternity cover work on the Gold Plan?
₹30,000 a delivery, including a caesarean and pre-natal and post-natal expenses, for up to two deliveries in the lifetime of the policy. The first wait is 36 months from the start of your first Young Star policy, both you and your spouse must have been insured continuously for those 36 months, and a fresh 24-month wait starts after each claim. Pre and post-hospitalisation and hospital cash do not apply to a maternity claim, and the claim does not reduce your sum insured but does reset the bonus.
Read it from the insurer
We summarise. The policy wording is the contract, and it is the only document that settles a dispute. These links go to the insurer's own pages.
Understand the terms before you commit
A plan page tells you what this policy does. These explain why each term matters and what it costs you when it is missing.
Other Star Health plans we have read
Star Health files these separately, and the terms differ between them. If you are choosing within the range, compare the waiting periods and the exclusions rather than the sum insured.