Star Health – Young Star Individual Gold

8.8
Expert ScoreRead review

As indemnity policy for individuals and family with lifelong renewal option. One or two or three year policy term with monthly/quarterly/half-yearly/yearly premium for SI of INR 3 Lac and above. No pre policy medical check up required.

  • Cover :₹ 50.0 Lakhs
  • Bonus / NCB :20% of cover amount for every claim free year, max up to 100%
  • Copay :No copayment 
  • Claims Settled :99.06%

₹14,738.00

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Category:
Health insurance

Star Health – Young Star Individual Gold

8.8
Expert ScoreRead review


Premium Amount

₹14,738.00

As indemnity policy for individuals and family with lifelong renewal option. One or two or three year policy term with monthly/quarterly/half-yearly/yearly premium for SI of INR 3 Lac and above. No pre policy medical check up required.

  • Cover :₹ 50.0 Lakhs
  • Bonus / NCB :20% of cover amount for every claim free year, max up to 100%
  • Copay :No copayment 
  • Claims Settled :99.06%
Category:
100% Cover restoration
1. Restoration triggers upon partial/full utilization of limit of cover (Limit of Cover= Basic SI+NCB), 2.Restored sum insured can be utilized for all claims (for subsequent hospitalizations)
Free Health Check-up
-
Daily cash allowance
Rs.1,000/- per day, Maximum 7days per admission, 14 days per policy period
Ambulance charges
2.transportation of insured person by private ambulance from one hospital to another hospital for better medical treatment, Emergency road ambulance expenses are payable for : 1.transportation of insured person by private ambulance to hospital for medical reasons.
Pre-hospitalisation
Expenses for 60 days covered
No claim bonus
20% of cover amount for every claim free year, max up to 100%
Post hospitalisation
Expenses for 90 days covered
Ayush treatments
NA
Maternity
36 months for 1st delivery & 24 months for 2nd delivery, Covered - Up to Rs.30,000/- per delivery, Normal Delivery Rs 25,000, Caesarean Delivery Rs 40,000
Outpatient Expense
NA
Organ donor expenses
NA
New-born treatment
Intimation about the new born baby should be given within 90 days from the date of birth. The cover for new born commences from 91st day of its birth.
Domiciliary Hospitalisation
NA
Recovery allowance
NA
Sum Insured
50 Lakh
E- Consultation
NA

Pros

NA
20% of cover amount for every claim free year, max up to 100%
NA
Domiciliary Hospitalisation
NA

cons

Category:

USP of This Plan

As indemnity policy for individuals and family with lifelong renewal option. One or two or three year policy term with monthly/quarterly/half-yearly/yearly premium for SI of INR 3 Lac and above. No pre policy medical check up required.

  • Cover :₹ 50.0 Lakhs
  • Bonus / NCB :20% of cover amount for every claim free year, max up to 100%
  • Copay :No copayment 
  • Claims Settled :99.06%

Our Take

8.8Expert Score
As indemnity policy for individuals and family with lifelong renewal option. One or two or three year policy term with monthly/quarterly/half-yearly/yearly premium for SI of INR 3 Lac and above. No pre policy medical check up required.
  • Cover :₹ 50.0 Lakhs
  • Bonus / NCB :20% of cover amount for every claim free year, max up to 100%
  • Copay :No copayment 
  • Claims Settled :99.06%
Best values score
8.8

Policy Exclusions :

Any claim other than accidental claims inside 30 day waiting period

Obesity & weight control
Any claim for PEDs made during the waiting period of 36 months for 1 & 2 year policies or 30 months for 3 year policy.
Change of gender treatments
Any claim for specific procedures or diseases during the waiting period of 24 months
Cosmetic or plastic surgery
Investigation & Evaluation
Hazardous or adventure sports
Rest care & rehab outside the limits covered
Breach of law
Alcholism, drug or substance abuse
Excluded providers
Treatment recieved in nature clinics, health hydros, spas, etc and dietary supplements and substances purchase without prescription
Refractive error
Unproven treatments
Sterility, Infertility expenses and Maternity expenses over and above those covered in the policy

Claims settlement

If you go to a non-network hospital, you will have to get the claim settled on reimbursement basis by providing the original bills and documents to the insurer
If you get admitted to a network hospital, you can get a cashless authorization from the insurer and then the insurer will settle the expenses directly with the hospital.
Star Health – Young Star Individual Gold
₹14,738.00

Star Health – Young Star Individual Gold

★★★★★
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Add to compare
8.8Expert Score
As indemnity policy for individuals and family with lifelong renewal option. One or two or three year policy term with monthly/quarterly/half-yearly/yearly premium for SI of INR 3 Lac and above. No pre policy medical check up required.
  • Cover :₹ 50.0 Lakhs
  • Bonus / NCB :20% of cover amount for every claim free year, max up to 100%
  • Copay :No copayment 
  • Claims Settled :99.06%
Best values score
8.8

Specification: Star Health – Young Star Individual Gold

Co-pay

Claims settlment Ratio

Sum Insured

100% Cover restoration

No claim bonus

Free Health Checkup

Ambulance charges

,

Daily Cash Allowance

Pre-hospitalisation Expenses

Post hospitalisation expenses

Organ donor expenses

Maternity

New-born treatment

Domiciliary Hospitalisation

Outpatient

Ayush treatments

Day Care Procedures

Abundance of network hospitals

Pre-existing diseases (PED)Coverage

Recovery allowance

Room Rent Limit

Tele-Consultation

The waiting period

Treatment at Home

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Star Health – Young Star Individual Gold
Star Health – Young Star Individual Gold

₹14,738.00

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