Super Star

Discount on Parents / Parent-in-laws Policy

You already hold a policy for yourself or your family and then buy a second policy for your parents or parents-in-law, either co-terminus with yours or within one month of it. 2.5% for a single parent policy, 7.5% for a two-parent policy, written on floater or multi-individual basis. The parents' Sum Insured cannot be more than yours, their policy must be a first-time purchase with this insurer and not a ported or migrated one, and it cannot be taken with the Unlimited Sum Insured option. If you cancel your own policy in the first year, the parents' policy has to be cancelled along with it.

Counts inside the prospectus block capped at 15% of premium combined.

Cibil Score Discount

Set by your credit score: nothing up to 700, 2.5% for 701 to 750, 5% for 751 to 800, 7.5% for 801 to 849, and 15% for 850 and above. Only for people aged up to 50, only under one Super Star policy, and only if the proposer is also one of the insured. Not available to Non Resident Indians or Overseas Citizens, and not available if the premium is paid in instalments.

Counts inside the prospectus block capped at 15% of premium combined.

Online Discount

Buy directly from the insurer's own website, www.starhealth.in. It holds at purchase and at every renewal. A purchase through an aggregator or a broker does not qualify.

Counts inside the prospectus block capped at 15% of premium combined.

Early Renewal Discount

Renew at least 30 days before the premium due date. It is given only if there was no in-patient or day care claim under the expiring policy, and only for the first three renewals - from the fourth renewal onward it is unavailable whatever your claim history. It stays at 2.5% each time and does not build up year on year.

Counts inside the prospectus block capped at 15% of premium combined.

Health Questionnaire Discount

Two lifestyle and habit questionnaires of seven questions each, worth 5% apiece. Every adult member proposed for insurance has to answer them, at purchase and again at each renewal. The prospectus ties the discount to answering the questions rather than to the answers given, and prints no scoring key.

Counts inside the prospectus block capped at 15% of premium combined.

Discount in Lieu of Commission

Where the policy is written without an intermediary commission, up to 15% is available at purchase and at renewal. The exact figure you get is not published.

Printed immediately after the 15% cap note, so whether that cap reaches it is not stated.

NRI Advantage

Optional Cover 21, for a Non Resident Indian or an Overseas Citizen based abroad for the whole Policy Year. It applies at policy level and needs a declaration when the policy is issued and at each renewal, proof of overseas residence every year, the identity documents mandated for Citizenship of India, and an Indian bank account for premium and claims. It stops if you go back to living in India. Waiting periods run as normal, and cover is still only for treatment taken in India. You can take it at purchase or at a renewal, drop it, and take it again.