Gautam Sharma | Health Insurance Specialist

Super Star Preferred

Secure your health and that of your loved ones.

Core special featuresModern Treatments • Premium Waiver • STAR Wellness • Road Ambulance • Automatic Restoration

Featured SI Options₹10,00,000 • ₹15,00,000 • ₹20,00,000

Family example in source2 Adults + 2 Children • Floater • Portability

Product positioningPreferred health protection product

Benefit	Supplied document detail
Modern Treatments	Coverage for 10+ modern treatments including Bronchical Thermoplasty, Robotic surgery and Vaporisation of the prostate, among others — up to SI.
Premium Waiver	One year premium is waived if the proposer, who is also insured, is diagnosed with a listed critical illness or dies due to an accident.
STAR Wellness Program	Accessible through STAR Health App and STAR Wellness App; earn over 1,000 points annually. Points redeemable for up to 20% discount on renewal premium.
Road Ambulance	Covered up to the Sum Insured.
Automatic Restoration of Sum Insured	Up to 100% SI, unlimited times in a policy year for related and unrelated illness for subsequent hospitalization.
Value Added Services	Discounts on pharmacy, diagnostics and consultations.
Home Care Treatment	Covered up to the Sum Insured.
Anesthesia / Blood / Oxygen / OT / ICU	Covered up to SI.
Freeze your Age	Premium remains as per entry age until first hospitalization/day-care claim; available up to age 50 only.
Pre & Post Hospitalization	Medical expenses within 90 days before and up to 180 days after hospitalization. For Essential Plan: 30 days before and 60 days after.
Air Ambulance	Covered up to ₹5 lakh in a policy year.
Organ Donor Expenses	Coverage up to SI, including donor post-donation complications.
Day Care Procedures	All day care procedures covered up to SI.
Dental Check-up & Cleaning	Consultation, IOPA (X-Ray) and scaling for one person in each policy in 2nd and 3rd policy years; cashless basis.
Room, Boarding & Nursing	₹5 lakh SI: Single Private AC room. ₹7.5 lakh SI and above: No limit on room rent. Essential Plan ₹7.5 lakh & ₹10 lakh: Single Private AC room. Value Plus: up to ₹5,000/day.
Cumulative Bonus	50% after each claim-free renewal; maximum up to 100% of SI.
Unlimited Tele-consultation	Available on STAR Health App.
Domiciliary Hospitalization	Covered up to SI.
AYUSH Treatment	Covered up to SI.
E-Domestic Second Medical Opinion	Access to a second medical opinion from a network doctor based on submitted medical records.
AI Driven Face Scan	2 times per month for each insured.
Limitless Loyalty Bonus	100% additional SI at every renewal; applicable only up to age 60 years.
Premium Return	1st-year base policy premium refunded after every block of 5 claim-free years; applicable only up to age 60 years.
Health Booster	100% additional SI after every block of 7 claim-free years.
Durable Medical Equipment	Expenses for rental/purchase of specified medical equipment.
eConnect	Access to wellness services and International second medical opinion.
Grace Period Cover	Coverage during grace period at renewal.
Stay Fit	Access to fitness centers in the network; applicable age 18–60 years.
Room Rent	Room Rent — 1% of SI, maximum ₹5,000, as stated in the product material.
Consumables Cover	Non-medical items listed in policy wording for admissible inpatient/day-care claims.
In-Clinic Consultation	Specialist and GP consultation from network; applicable to individuals aged 60 years and below.
Preventive Health Check-Up	Health check-up every year irrespective of claim; applicable to individuals aged 18+.

Benefits are subject to the applicable prospectus, policy wording, terms, conditions and exclusions.

Preferred one-pager • UINs in source

STAR FLEXI / SUPER STAR

Flexible high-limit protection with additional and optional covers.

UINSTAR FLEXI: SHAHLIA26040V012526

UINSUPER STAR: SHAHLIP25036V012425

Entry AgeIndividual 18 years to any age; Floater adults 18 years to any age; dependent children 91 days–25 years

SI Options₹7.5L / ₹10L / ₹15L / ₹20L / ₹25L / ₹50L / ₹100L / Unlimited

Feature	Supplied document detail
Family size	Floater: 2 Adults + 4 Children (Self, Spouse & Dependent Children).
SI restrictions	₹100 lakh option only up to 60 years entry age; Unlimited SI only up to 50 years entry age.
Policy term	1 / 2 / 3 years.
Waiting periods	Initial 30 days; specified diseases 24 months; PED 36 months.
Room Rent	Any Room.
Professional Fees / Tests / Medicines / ICU	Covered up to SI.
Freeze your Age	Premium as per entry age until first hospitalization/day-care claim; available up to age 50 only.
Automatic Restoration	Up to 100% SI, unlimited times in policy year for related/unrelated illness for subsequent hospitalization; triggers on partial/full utilization.
Cumulative Bonus	50% after each claim-free renewal; maximum 100% of SI.
Organ Donor Expenses	Coverage for organ transplantation up to SI, including donor post-donation complications.
Dental Check-up & Cleaning	Consultation, IOPA X-Ray and scaling for one person in each policy in 2nd and 3rd policy years; cashless.
Unlimited Tele-consultation	Available on Star Health App along with AI-driven Face scan.
Home Care Treatment	Covered up to SI.
Domiciliary Hospitalisation	Covered up to SI.
Pre & Post Hospitalisation	90 days and 180 days respectively, covered up to SI.
Day Care Treatment	All day care treatments covered up to SI.
Modern Treatments	Covered up to SI.
AYUSH Treatment	Covered up to SI.
Road Ambulance	Covered up to SI.
Air Ambulance	Up to ₹5 lakh in a policy year.
Premium Waiver	One year premium waived if proposer/insured is diagnosed with a listed critical illness or dies due to an accident.
STAR Wellness	Over 1,000 points each year; up to 20% discount on renewal premiums through wellness goals.
Value Added Services	Discounts on pharmacy, diagnostics and consultations.
E-Domestic Second Medical Opinion	Second opinion from network doctor based on submitted medical records.
Limitless Loyalty Bonus	100% additional SI for each renewal, irrespective of claim, without upper limit.
Sum Insured Multiplier	Insured can combine and utilize annual SI of base policy across policy term; long-term policies only.
Premium Return	If no inpatient claim for 5 years, first-year base premium of base policy refunded.
Health Booster	100% of base SI additionally provided for every block of 7 claim-free years.
Durable Medical Equipment	Up to ₹1 lakh/year for rental/purchase of necessary medical equipment such as oxygen concentrators and wheelchairs.
E-Connect	Virtual fitness sessions and nutritionist access; E-International second medical opinion twice per policy year.
Grace Period Cover	Coverage during grace period for renewal.
Limitless Care	Optional one unlimited claim cover in a lifetime for inpatient/day-care treatment; available from ₹10 lakh SI.
Nursing at Home	₹1,000/day, maximum 10 days/year post hospitalization.
Preventive Health Check-Up	For each insured aged 18+ once in each policy year as per applicable package.
StayFit	Fitness-centre visits up to 7 sessions/week; entry age 18–60.
Mamta	Women Wellness Care; entry age 12+ under optional cover.
Param Seva	Senior citizen wellness care; insured aged 56+.
In-clinic Consultation	General physicians & specialists: up to 4 consultations for Individual and 8 for Floater; only up to 60 years entry age.
Consumables Cover	68 non-payable items will be covered.
Value Network	15% discount if the insured chooses the value network.
Voluntary Deductible	Options vary by SI: ₹25,000/₹50,000/₹75,000/₹1,00,000 up to ₹10L; higher bands up to ₹5L deductible.
Long Term Deductible	Options vary by SI and aggregate policy term, up to ₹5,00,000.
Voluntary Co-pay	10% / 20% on every admissible hospitalization claim.
Quick Shield	Listed PED claims can be covered from day 31 from first purchase: Diabetes II, Hypertension, Hyperlipidemia, Asthma, and Coronary Artery disease with PTCA done prior to 1 year.
Future Shield	Continuity benefit for waiting periods already served by insured member for spouse added.
Maternity Expenses	₹50,000 / ₹1 lakh as opted; 24-month waiting period.
Room Rent Modification	Any Room to Single Private AC Room / Twin sharing / Multi-bed sharing / General Ward.

UIN SHAHLIP23131V022223

Star Health Assure

Individual and floater hospitalization cover with large-family and maternity-related features.

Entry AgeIndividual 18–75; dependent children 91 days–17 years. Floater 18–75; dependent children 16 days–17 years.

Family Size2A+3C+4P or 6 Adults + 3 Children as described in source.

SI Options₹5L / ₹10L / ₹15L / ₹20L / ₹25L / ₹50L / ₹75L / ₹100L / ₹200L

RenewalLifelong • 1 / 2 / 3 years

Feature	Supplied document detail
Midterm inclusion	Newly wedded spouse, newborn baby and legally adopted child; intimation within 45 days from marriage/birth.
Zone based pricing	Zone A: Delhi incl. Faridabad, Gurgaon, Ghaziabad, Noida; Mumbai incl. Thane; Ahmedabad, Surat, Vadodara. Zone B: Pune incl. Nashik, Trivandrum, Ernakulam, Chennai, Bengaluru, Hyderabad, Secunderabad and rest of Gujarat. Zone C: Rest of India.
Co-payment	10% of each claim for fresh and renewal policies for insured whose entry age is 61 years and above.
Long-term discount	2-year policy: 10% discount on 2nd-year premium. 3-year policy: 10% discount on 2nd and 3rd-year premium.
Floater discount	Child: 40% discount from 1A premium when child becomes 18 at renewal. Parent/parent-in-law: 10% discount from 1A premium for each parent when added under floater.
Pre-medical screening	For adverse medical history, company may require pre-policy check-up; company bears 100% of such medical examination cost. Children under 12 may require pediatrician/vaccination/health report.
Room Rent	1% of SI / Any Room (except suite or above) / Any Room as per source SI bands.
Consumables	Items in List I become payable when there is an admissible inpatient/day-care claim.
Emergency Road Ambulance	Covered up to SI for transport to hospital, inter-hospital transfer and hospital to residence.
Pre & Post Hospitalization	60 days & 180 days, covered up to SI.
Organ Donor Expenses	Up to SI; additional SI up to basic SI for complications requiring redo surgery/ICU admission.
Day Care Treatments	All day care treatments covered up to SI.
Domiciliary Hospitalization	Covered up to SI; treatment at home for a period exceeding 3 days.
Home Care Treatment	Up to 10% of SI subject to maximum ₹5 lakh/year.
Air Ambulance	Up to 10% of SI per policy year.
STAR Wellness	For insured aged 18+; reward points and up to 20% renewal-premium discount through wellness goals.
Health Check-up	Every policy year irrespective of claim. Individual limits: ₹1,500 / ₹2,000 / ₹4,000 / ₹5,000 / ₹5,000 / ₹5,000 / ₹8,000 / ₹8,000 / ₹8,000 by SI. Floater: ₹2,500 / ₹5,000 / ₹8,000 / ₹10,000 / ₹10,000 / ₹10,000 / ₹15,000 / ₹15,000 / ₹15,000.
Cumulative Bonus	25% of SI for each claim-free year, maximum 100% of SI.
AYUSH	Covered up to SI.
Assisted Reproduction	Limits by SI: ₹1L / ₹2L / ₹2L / ₹2L / ₹2L / ₹4L / ₹4L / ₹4L / ₹4L per policy year.
Delivery Expenses	Covered up to 10% of SI; self and spouse covered for continuous 2 years under individual/floater SI.
In-Utero Fetal Surgery	Covered up to SI; waiting period 2 years.
Newborn Hospitalization	₹2L / ₹2L / ₹2L / ₹2L / ₹2L / ₹4L / ₹4L / ₹4L / ₹4L by SI.
Chronic Severe Refractory Asthma	Up to 10% SI not exceeding ₹5 lakh per policy period.
Compassionate Travel	Air transportation reimbursement up to ₹10,000 for one immediate family member under stated condition.
Repatriation of Mortal Remains	Up to ₹15,000/year, including embalming and coffin charges under stated conditions.
Valuable Service Provider Network	1% SI subject to maximum ₹5,000 per policy period as lump sum.
Shared Accommodation	₹1,000/day for each continuous completed 24 hours of stay.
Second Medical Opinion	From company network medical practitioners based on forwarded medical records.
Automatic Restoration	Unlimited number of times and maximum up to 100% each time; usable for subsequent hospitalization. Partial utilization restores the amount utilized; full utilization restores to 100%.
Modern Treatments	Covered up to SI.
Rehabilitation & Pain Management	Up to sub-limit or maximum 20% SI, whichever is less, per policy year.
Optional Deductible	Up to ₹20L: ₹50,000 or ₹1L; Above ₹20L: ₹50,000 or ₹1L. The source lists discounts 45% / 55% and 35% / 50% respectively.
Waiting Periods	Initial 30 days; specific diseases 2 years; PED: 2.5 years for 3-year policy and 3 years for 1- and 2-year policies; delivery 2 years; fetal surgery 2 years; assisted reproduction 2 years; newborn baby cover 1 year.

UIN SHAHLIP22217V012122

Star Women Care

Women-focused health protection with comprehensive maternity-related benefits.

Cover typeIndividual for females and Floater; floater requires at least one adult female with spouse and dependent children.

Entry AgeAdults 18–75; dependent children 91 days–25 years.

SI Options₹5L / ₹10L / ₹15L / ₹20L / ₹25L / ₹50L / ₹100L

Medical CheckPre-policy medical checkup not required.

Feature	Supplied document detail
Special Benefits	Daughter can continue as dependent child if unmarried/unemployed beyond 25 up to 30; pregnant women can enter subject to scan-report condition; continuity benefits accrued before marriage considered for maternity claims.
Renewal / Term	Lifelong renewal; 1 / 2 / 3 years.
Room Rent	1% of SI / Any Room except suite or above / Any room according to SI band.
Star Mother Cover	For insured child under 12 in ICU, mother's stay up to Single Private AC room. If unavailable, hotel reimbursement ₹2,500/day up to 7 days when hotel is within 2 km.
Road Ambulance	Actuals for transportation to hospital, inter-hospital transfer and hospital to residence.
Air Ambulance	For SI ₹10L and above only; up to 10% SI/year.
Organ Donor	Actuals; additional SI up to basic SI for donor complications requiring redo surgery/ICU.
Day Care	All day care procedures covered at actuals.
Non-medical Items	List 1 items payable if there is an admissible claim.
AYUSH	Covered at actuals.
STAR Wellness	For insured aged 18+; reward points and up to 10% renewal-premium discount via wellness goals.
Shared Accommodation	₹2,000/day, maximum 7 days per hospitalization.
Bariatric Surgery	₹2.5L / ₹2.5L / ₹2.5L / ₹5L / ₹5L / ₹5L / ₹5L by SI; 2-year waiting period.
NCB	20% of expiring SI from second year onwards, up to 100% of basic SI.
Automatic Restoration	Up to 100% of basic SI; available immediately after partial/full utilization.
Rehabilitation & Pain Management	Up to sub-limit or 10% SI, whichever is less, per policy year at authorized centres.
Modern Treatments	Up to 50% SI / up to 40% SI / up to 30% SI, depending on SI band.
Assisted Reproduction	₹0.50L / ₹1L / ₹1.5L / ₹2L / ₹2.5L / ₹3L by SI; 3-year waiting period.
Ante-Natal Care	Outpatient pregnancy care after pregnancy confirmation. ₹2,500 / ₹5,000 as per source; waiting 2 years for ₹5L/₹10L and 1 year for ₹15L+.
In-Utero Fetal Surgery / Repair	Open Fetal Surgery, Fetendo Fetal Surgery, Fetal Image-Guided Surgery (FIGS-IT), EXIT Procedure; actuals. Waiting 2 years for ₹5L/₹10L and 1 year for ₹15L+.
Voluntary Sterilization	Actuals; 2-year waiting; tubectomy/vasectomy for married insured aged 22+ as source states.
Miscarriage due to Accident	Once in lifetime; ₹25,000 / ₹35,000 / ₹40,000 by stated SI grouping; waiting differs by SI.
Delivery Expenses	Including C-section: ₹25,000 / ₹50,000 / ₹75,000 / ₹1 lakh by SI; waiting 2 years for ₹5L/₹10L and 1 year for ₹15L+.
Newborn Hospitalization	Maximum 25% SI for specified expenses in initial year; subsequent year up to 100% SI; inpatient congenital internal/external defects covered from day 1 as stated.
Vaccination	Payable up to 12 months after birth: ₹2,500 for ₹5L/₹10L and ₹3,500 for ₹15L+.
Metabolic Screening	Once per newborn up to ₹3,500.
Pediatrician Consultation	Up to 4 consultations/year to age 12; ₹500 per consultation limit.
Outpatient	Female insured only; limits per policy year ₹2,500 / ₹3,500 / ₹5,000.
Preventive Health Check-up	Inclusive of vaccination; age-based limits differ.
Instalment Options	Quarterly / Half-Yearly / Yearly; also annual, biennial and triennial payment options as listed.
Optional Cancer Lump Sum	First-incidence cancer lump sum; SI ₹5L/₹10L/₹15L/₹20L/₹25L; individual only; female insured 91 days–65 years; 180-day waiting.
Waiting Periods	Initial 30 days; specific diseases 2 years; PED 2 years; bariatric 2 years; assisted reproduction 3 years; sterilization 2 years; maternity benefits vary by SI as detailed above.

UIN SHAHLIP22036V042122

Young Star

Indemnity health insurance for youngsters and families, with Silver and Gold plan options.

Entry AgeAdults 18–40; dependent children 91 days–25 years.

Family Size2 Adults + 3 Dependent Children.

SI Options₹3L / ₹5L / ₹10L / ₹15L / ₹20L / ₹25L / ₹50L / ₹75L / ₹100L

PlansSilver Plan & Gold Plan • Lifelong renewal

Feature	Supplied document detail
Midterm Inclusion	Newly married spouse / legally adopted child within 45 days; newborn on additional premium with intimation within 90 days.
Policy Term	1 / 2 / 3 years.
Payment Options	Quarterly / Half-Yearly / Yearly / Once in 2 Years / Once in 3 Years.
Pre-Medical Screening	Not required.
In-patient Hospitalization	Single Private AC room.
Day Care	All day-care procedures covered at actuals.
Pre & Post Hospitalization	60 days & 90 days.
Road Ambulance	Actuals for transportation to hospital and inter-hospital transfer.
E-Medical Opinion	Available from company's expert panel.
Health Check-up	After each policy year. Individual: ₹1,500 / ₹2,000 / ₹3,000 / ₹3,500 for SI 3L / 5L / 10L / 15L+. Floater: N.A. / ₹3,000 / ₹4,000 / ₹5,000.
Automatic Restoration	Up to 100%, once every policy year. Triggers upon partial/full utilization of limit of cover. Restored SI usable for subsequent hospitalizations; maximum single-claim liability up to limit of cover.
No Claim Bonus	20% each claim-free year, maximum 100%.
Additional Cover for RTA	25% of SI or maximum ₹10 lakh in case of Road Traffic Accident.
STAR Wellness	For insured aged 18+; reward points and up to 10% renewal-premium discount through wellness goals.
Discount for Early Entry	If entered before age 36 and continued, 10% discount from age 41; lifelong available.
Delivery Expenses — Gold	Up to ₹30,000 per delivery; waiting 36 months for first delivery and 24 months for second delivery.
Hospital Cash — Gold	₹1,000/day; maximum 7 days per admission and 14 days per policy period.
Modern Treatments	Limits differ based on SI; refer to policy wording for details.
Initial Waiting	30 days, not applicable for accidents.
Specific Diseases	12 months for diseases including ENT and Thyroid; Hydrocele, Hernia, Vericocele, Piles, Fistula/Fissure; Female reproductive system diseases; calculus diseases of Gall Bladder, Kidney and Urinary Tract.
Pre-existing Diseases	12 months.

UIN SHAHLIP22199V062122

Senior Citizens Red Carpet

Hospitalization-focused health insurance for elderly persons with lifetime renewal.

Entry Age60–75 years.

Cover TypeIndividual & Floater basis.

SI OptionsIndividual ₹1L–₹25L • Floater ₹10L–₹25L

RenewalLifetime renewal • 1 / 2 / 3 years

Feature	Supplied document detail
Premium Discount	10% premium discount if required medical reports are produced for subsequent renewals and policy is renewed continuously without break.
SI Options	₹1L / ₹2L / ₹3L / ₹4L / ₹5L / ₹7.5L / ₹10L / ₹15L / ₹20L / ₹25L.
Room Rent per Day	₹1,000 / ₹2,000 / ₹3,000 / ₹4,000 / ₹5,000 / ₹6,000 / ₹6,000 / ₹7,000 / ₹8,500 / ₹10,000 by SI.
ICU per Day	₹2,000 / ₹4,000 / ₹6,000 / ₹8,000 / ₹10,000 / ₹15,000 / ₹20,000 / Actuals as per source table.
Professional Fees	₹25,000 / ₹50,000 / ₹75,000 / ₹1,00,000 / ₹1,25,000 / ₹1,87,500 / ₹2,50,000 / ₹3,75,000 / ₹5,00,000 / ₹6,25,000 by SI.
Other Medical Expenses	₹50,000 / ₹1L / ₹1.5L / ₹2L / ₹2.5L / ₹3.75L / ₹5L / ₹7.5L / ₹10L / ₹12.5L by SI.
Ambulance	Per hospitalization: ₹600 / ₹600 / ₹600 / ₹600 / ₹1,000 / ₹1,000 / ₹1,000 / ₹1,500 / ₹1,500 / ₹1,500. Per policy period: ₹1,200 / ₹1,200 / ₹1,200 / ₹1,200 / ₹2,000 / ₹2,000 / ₹2,000 / ₹3,000 / ₹3,000 / ₹3,000.
Pre / Post Hospitalization	30 days actuals; post-hospitalization expenses 7% of hospitalization expenses with SI-based limits shown in the source table.
Modern Treatments	Expenses subject to limits of SI.
Day Care	All day-care procedures are covered.
Outpatient Consultation	Individual: NA / NA / ₹600 / ₹800 / ₹1,000 / ₹1,200 / ₹1,400 / ₹1,800 / ₹2,200 / ₹2,600 per policy period. Floater per person and per-policy-period limits are separately specified in source.
Cataract	Individual: ₹15,000 / ₹15,000 / ₹18,000 / ₹20,000 / ₹21,500 / ₹23,000 / ₹25,000 / ₹30,000 / ₹35,000 / ₹40,000. Floater limits are separately specified in source.
Health Check-up	Individual and floater limits vary by SI; source provides separate per-policy-period tables.
Co-pay	30% co-pay applies irrespective of Sum Insured to all claims.
Specified Major Diseases Sub-limits	Individual per-policy-year limits range from ₹75,000 to ₹5,00,000 by SI; floater per-person and policy-period limits separately specified.
Other Major Surgeries Sub-limits	Individual per-policy-year limits range from ₹60,000 to ₹3,50,000 by SI; floater limits separately specified.
Waiting Period — Initial	First 30 days: no treatment benefits for diseases/surgeries other than accidents.
Waiting Period — PED	12 months.
Waiting Period — Specific Diseases	24 months.

Benefits and sub-limits are subject to the applicable policy wording, terms, conditions and exclusions.

Plan	Audience	Entry age	Sum Insured	Key differentiators	Key restrictions / waits
Super Star Preferred	Broad family / high protection	See applicable product eligibility	₹10L / ₹15L / ₹20L proposal examples	Restoration, premium waiver, wellness, age freeze, loyalty / return / booster	Benefit-specific age, claim and term conditions
STAR FLEXI / SUPER STAR	High-limit flexible protection	18+; children 91 days–25 years	₹7.5L–₹1Cr / Unlimited	Any room, restoration, deductibles, Limitless Care, optional maternity	30d / 24m / 36m waits; age caps for some benefits
Star Health Assure	Large family / floater	Adults 18–75	₹5L–₹2Cr	Large family, newborn, delivery, assisted reproduction, restoration	10% co-pay at entry age 61+; maternity waits
Star Women Care	Women / maternity	18–75; children 91d–25y	₹5L–₹1Cr	Maternity, fetal surgery, newborn, vaccination, pediatrician, cancer option	Many reproductive benefits have 1–3 year waits
Young Star	Youngsters / young families	18–40; children 91d–25y	₹3L–₹1Cr	Silver / Gold, RTA, restoration, wellness, early-entry discount	30d initial; 12m specific / PED in supplied source
Senior Citizens Red Carpet	Senior citizens	60–75	Individual ₹1L–₹25L; floater ₹10L–₹25L	Lifetime renewal, cataract, OPD, health check-up	30% co-pay; PED 12m; specific diseases 24m

Gautam

Sharma

All plans • one below another