Star Health and Allied Insurance Company Limited
Young Star Insurance Policy
Star Health YOUNG ADULT plan (18-40 yrs)
UIN SHAHLIP25035V052425We don't sell this — we'll still recommend if it fits
The dealbreaker fields
Max cover
₹1 cr
Claim settlement (CSR)
90%
PED waiting
12 months
Specific disease wait
12 months
Mandatory co-pay
0%
Room rent prop. ded.
Yes
Pre / post hosp.
60 / 90 days
Network hospitals
14,000+
Free look
30 days
What this plan does well
- YOUNG ADULT focused (18-40 entry)
- PED 12 MONTHS — DEALBREAKER ADVANTAGE (industry standard 36mo)
- Specific Waiting 12 MONTHS — DEALBREAKER ADVANTAGE (industry standard 24mo)
- Cumulative Bonus 20%/yr max 100% — TOP-TIER (vs industry 10%/50%)
- RTA Bonus: 25% BSI extra (max ₹10L) for RTA hospitalization if helmet/3-wheeler
- Automatic Restoration multiple times (max 1 claim ≤ SI/policy)
- Long Term Discounts up to 11.25% (3-yr term)
- Wellness Program up to 10% renewal discount
Watch out for
- PROPORTIONATE DEDUCTION on higher room rent — DEALBREAKER NEGATIVE
- Maternity ONLY Gold Plan, cap ₹30K/delivery (LOW vs industry ₹50K-1L)
- Domiciliary NOT in core benefits
- Auto Restoration NOT for Modern Treatments
- Star Health CSR ~88-90% (lower than top-tier 98%+)
- Maternity 36-month wait
- Add-on (Young Star Extra Protect) separately purchasable
- Hospital Cash 1-day deductible + 7-day cap (Gold only)
Is this the right plan for you?
Run the 30-second cover calculator. We'll tell you whether this plan, or a different one, is the better fit.
Find my right cover →We don't directly sell this plan today. If our verdict says this is your best fit, we'll point you to a broker who does — and tell you our paired listed alternative so you can decide.