Young Star Insurance Policy

The Young Star Insurance Policy is a health insurance plan designed for individuals aged 18-40, offering extensive coverage with several benefits and discounts to promote a healthy lifestyle and financial security.

Eligibility and Policy Type

• Entry Age: 18 – 40 years.
• Coverage: Individual or Floater basis.
• Dependent children aged 91 days to 25 years (up to three children under Floater plan)

Core Benefits

1. In-Patient Hospitalisation: Covers hospitalisation expenses for illnesses, injuries, or accidents requiring a stay of more than 24 hours.

2. Pre- & Post-Hospitalisation:Pre-hospitalisation: Expenses covered up to 60 days before admission.Post-hospitalisation: Expenses covered up to 90 days post-discharge.

3. Room Rent: Single Private A/C room (boarding and nursing expenses included).

4. Road Ambulance: Covers ambulance charges for transport to the hospital or between hospitals for better treatment.

5. Day Care Procedures: Covers advanced medical treatments requiring less than 24 hours of hospitalisation.

6. Modern Treatments: Covers robotic surgeries, oral chemotherapy, and other advanced treatments (limits as per policy).

7. AYUSH Treatments: Covers inpatient treatments under Ayurveda, Unani, Siddha, and Homeopathy.

Special Features

1. Additional Sum Insured for RTAs: Increases the Sum Insured by 25% (up to ₹10,00,000) for hospitalisation due to road traffic accidents.

2. Automatic Restoration of Sum Insured: Restores 100% of the Sum Insured upon partial or full exhaustion.

3. Cumulative Bonus: 20% of the Sum Insured added per claim-free year, up to a maximum of 100%.

4. Hospital Cash Benefit: ₹1,000 per completed day in hospital (up to 7 days per hospitalisation and 14 days per policy period).

5. Delivery Expenses: Covers up to ₹30,000 per delivery (normal or C-section) for up to two deliveries.

6. Health Check-Up: Annual check-ups at network hospitals, irrespective of claims.

Discounts

1. Age-Based Discount:10% discount on premiums if policy purchased before age 36 and renewed after 40.

2. Online Discount: 5% discount for first-time online purchases.

3. Wellness Discount: Earned wellness points can be redeemed for renewal discounts (up to 10%).

Convenience and Flexibility

1. Mid-Term Inclusion: Newly married spouse, newborns, or legally adopted children can be added by paying additional premiums.

2. Instalment Options: Premiums can be paid monthly, quarterly, or half-yearly.

3. No Medical Tests: No pre-medical examination required for this policy.4. E-Medical Opinion: Access to expert medical opinions on request.

Additional Highlights

1. Star Wellness Program: Encourages healthy living through wellness activities and rewards with discounts at renewals.

2. Lifelong Renewal: Policy can be renewed for life.

3. Gold and Silver Plans: Both plans offer identical benefits but may differ in premium rates or coverage limits.

This policy provides comprehensive coverage tailored for younger individuals and families, emphasizing affordability, wellness, and financial protection. For detailed terms and conditions, refer to the Policy Documents.