Loading
Star Health
Star Health Assure
The family-stage plan - maternity, IVF and day-one newborn cover built in, where most policies charge extra or simply say no.
PLAN SELECTION
1 plan available with 10 sum insured options
What you should know first
Where this plan is strong, where to watch - and how it performs on what matters most.
At a glance
5 strong4 to watch
What's strong
- Newborn covered from day 1 with waiting periods waived - congenital defects up to full sum insured.
- Maternity inbuilt - 10% of cover after 24 months, two lifetime deliveries.
- IVF, IUI and ICSI covered inbuilt - ₹1–4 lakh a year by cover size - rare in a standard plan.
- 68 consumable items paid inbuilt with every admissible claim - no add-on needed.
- Restoration is unlimited and triggers even on partial use of your cover.
What to watch
- Room capped at 1% of cover per day on ₹5L and ₹7.5L covers - tight in metro hospitals.
- Bonus grows only in claim-free years and caps at 100% - rivals grow theirs regardless of claims.
- No overseas treatment cover of any kind - an India-only policy.
- The 36-month pre-existing wait has no add-on to shorten it (30 months on a 3-year term).
What Matters Most
FeatureKey DetailOur Verdict
Standard
Standard
Standard
Standard
Strong
Strong
Strong
Strong
Standard
Standard
Not covered
Not covered
Next
You’ve read the shape of this cover. Now put a real bill through it.
Policy Features Breakdown
Filter by the worry on your mind to see how this plan handles each concern - its sub-limits, waiting periods and the catches.
What are you worried about?
All Policy Features41 features
StandardCommonly Missed
Your room entitlement rises with the Sum Insured. At Rs.5 lakh and Rs.7.5 lakh the room is capped at 1% of Sum Insured per day; from Rs.10 lakh you get any room except a Suite or above, and from Rs.50 lakh any room at all. If you take a room above your entitlement, the insurer cuts the same percentage off your room rent and associated medical expenses.
Coverage detailstap any row to understand it
Watch out
At Rs.5 lakh Sum Insured the room is capped at Rs.5,000 per day. A room above that triggers a proportionate deduction on the room and associated medical expenses, so a single upgrade can cost you tens of thousands of rupees on a large bill.
StandardCommonly Missed
Conditions you already had before buying are not paid for the first 36 months of continuous cover. On a 3-year policy term the wait is 30 months. After the wait, a pre-existing condition is paid only if you declared it in the proposal and the Company accepted it. Raising your sum insured later starts the wait again on the increase.
Coverage detailstap any row to understand it
Watch out
A pre-existing condition you did not declare is not paid even after the 36 months are over.
Strong
ICU and operation theatre charges are paid at actuals, with no daily cap, at every Sum Insured. ICU charges are also kept outside the proportionate deduction that applies when you exceed your room entitlement, so a room upgrade does not reduce what the insurer pays for intensive care.
Coverage detailstap any row to understand it
Watch out
ICU spending still draws down the same Sum Insured as the rest of the claim, so a long intensive care stay can use up your cover even without a daily cap.
StrongCommonly Missed
Your Sum Insured refills automatically the moment you use part or all of it - up to 100% each time, an unlimited number of times in a policy year. The refilled amount pays only a later hospitalisation, not the bill that used up your cover, and a single claim under restoration is capped at your Sum Insured.
Coverage detailstap any row to understand it
Watch out
A relapse of the same illness within 45 days of your last consultation counts as the same hospitalisation, so the refill will not pay for it. Restoration also does not raise what one bill can be paid - your ceiling for a single claim stays your Sum Insured plus the bonus you have accrued.
Standard
Every claim-free year adds 25% of your Sum Insured as bonus, up to a maximum of 100%. On ₹10,00,000 cover, four claim-free years take you to ₹20,00,000. A claim does not always cost you the bonus - it is cut only to the extent you actually use it.
Coverage detailstap any row to understand it
Watch out
The bonus is calculated on the expiring Sum Insured, so if you reduce your Sum Insured at renewal the bonus cannot exceed the reduced amount. Partial use of your Sum Insured leaves the bonus untouched.
Not covered
This product has no extra cover sitting above your Sum Insured. The most one claim can be paid is your Sum Insured plus the cumulative bonus you have earned. The restoration benefit refills your cover, but only for a later hospitalisation, so it does not raise what a single bill can be paid.
Coverage detailstap any row to understand it
Watch out
One very large bill cannot be paid beyond your Sum Insured plus bonus. On ₹10,00,000 cover with no bonus earned yet, a ₹15,00,000 hospital bill leaves you paying ₹5,00,000 from your own pocket.
Specific Illness Waiting Periods
These conditions are covered after a waiting period - not excluded. Once the wait is over, they're treated like any other illness. Select a body region, or view the entire body, to see which ones this plan names.
How long you wait, for what
Accidents
Day 1Covered from the first day, with no waiting at all.
Illness, in general
30 daysAfter the first month, ordinary illness is covered.
The listed conditions
24 monthsEach one is then covered, like any other illness.
What you already had
36 monthsConditions you declared when you bought the plan.
Nothing more to prove
60 monthsAfter this, only proven fraud can be held against a claim.
Already diagnosed with one of these? A different rule applies - conditions you already have follow the pre-existing waiting period. See how that works
Entire Body
52 ConditionsWaiting Period: 24 months
Eyes, ENT & Thyroid
Retinal Detachment
Retina tearing
Head & Face
A serious eye problem where the back layer of the eye pulls away.
The exact words
“Treatment of Cataract and diseases of the anterior and posterior chamber of the Eye, Diseases of ENT, Diseases related to Thyroid, Benign diseases of the breast.”
Section C. Exclusions · 2. Specified disease/procedure waiting period – Code Excl 02 · pages 28–29
Cholesteatoma
Ear skin cyst
Head & Face
A harmful, growing cyst inside the ear that needs to be removed.
The exact words
“Treatment of Cataract and diseases of the anterior and posterior chamber of the Eye, Diseases of ENT, Diseases related to Thyroid, Benign diseases of the breast.”
Section C. Exclusions · 2. Specified disease/procedure waiting period – Code Excl 02 · pages 28–29
Glaucoma
High eye pressure (Glaucoma)
Head & Face
Increased pressure inside the eye that can harm vision.
The exact words
“Treatment of Cataract and diseases of the anterior and posterior chamber of the Eye, Diseases of ENT, Diseases related to Thyroid, Benign diseases of the breast.”
Section C. Exclusions · 2. Specified disease/procedure waiting period – Code Excl 02 · pages 28–29
Cataract
Eye lens clouding (Cataract)
Head & Face
A clouding of the eye lens that makes vision blurry.
The exact words
“Treatment of Cataract and diseases of the anterior and posterior chamber of the Eye, Diseases of ENT, Diseases related to Thyroid, Benign diseases of the breast.”
Section C. Exclusions · 2. Specified disease/procedure waiting period – Code Excl 02 · pages 28–29
Sinusitis and Rhinitis
Sinus and nasal allergy
Head & Face
Swelling inside the nose and face bones causing blockage or pain.
The exact words
“Treatment of Cataract and diseases of the anterior and posterior chamber of the Eye, Diseases of ENT, Diseases related to Thyroid, Benign diseases of the breast.”
Section C. Exclusions · 2. Specified disease/procedure waiting period – Code Excl 02 · pages 28–29
Policy Exclusions
What this plan won’t pay for
We read all 34 exclusion clauses in this policy. 19 clauses change what you’d actually claim.
Never paid
8 clausesNo waiting period reaches these - the plan does not cover them at all.
Paid, but only if…
11 clausesWritten as exclusions, but the policy states a way in. The condition is the whole point.
Premium discounts
Ways to pay less
Every discount printed in this policy’s own documents - what it’s worth, who qualifies, and what it asks in return.
Just for qualifying
5 discountsNothing is given up in return - you either meet the condition or you don't.
Policy discount
10%
About the provider
Star Health
Filed plan · UIN SHAHLIP26048V032526
Comparisons· 10 pairs
Put it next to another plan
Star Health Assure beside each of the other plans on the shelf: every clause that differs, read from the policy wording.
Sources
Everything on this page is read from the insurer’s own filings. It is an educational summary - not advice, not a recommendation to buy, and we sell nothing.
Plan facts last updated 17 Aug 2026.
IRDAI UIN: SHAHLIP26048V032526