Star Health
Super Star
- No cap - room covered at actual cost
- 36 months
- Refills 100% of your cover, any number of times a year
PLAN SELECTION
1 plan available with 9 sum insured options
All plans
Super Star
What you should know first
At a glance
5 strong5 to watch
What's strong
- All 12 modern treatments paid to your full Sum Insured - most plans cap them at ₹1–5 lakh a year.
- No mandatory co-pay at any age, no entry-age limit - a 10–20% co-pay above 60 is close to standard.
- Post-hospitalisation runs 180 days to your full Sum Insured - most plans stop at 60 or 90.
- Organ donor costs are paid over and above your Sum Insured - a transplant does not cut your own cover.
- Wellness points take up to 20% off your renewal premium - 8,000 steps a day is one of 12 activities.
What to watch
- A single claim draws only your Sum Insured plus bonus - a ₹15 lakh bill on ₹10 lakh cover costs you ₹5 lakh.
- Consumables are paid only under an option you can add in the first three policy years - never later.
- Pre-existing conditions wait 36 months - the cut to 24 or 12 months is sold only at first purchase.
- Home treatment excludes asthma, diabetes, hypertension and all psychiatric disorders by name.
- Maternity is a paid option capped at ₹30,000 to ₹1 lakh a delivery - scans come out of that limit.
The policy in one card
Sum Insured
Room rent
Non-payable items
Waiting periods
Co-pay and deductible
Restoration
Cumulative bonus
Not covered
One year through this plan
Two hospital bills in year one, on ₹10 Lakh of cover.
| Bill | Super Star |
|---|---|
| 1st bill₹7,00,000 | CoveredPaid from Sum Insured ₹7,00,000 |
| 2nd bill₹12,00,000 | ₹2,00,000not coveredPaid from |
01The ledger
Every feature, decoded
Tell us about your family and health - this list reorders around what matters to you.
Start the 90-second checkBig hospital bills3 of 15 are priority
Your hospital room is covered at Any Room, with no daily rupee cap and no room category ceiling, up to your Sum Insured. There is an option of Room Rent Modification which restrict it to Single Private AC Room, Shared Room or General Ward, and you can opt out of it only during the first renewal.
Coverage detailstap any row to understand it
Room cost limitNo cap - room covered at actual cost
Room upgrade riderAvailable - Downgrade
Minimum Hospitalisation Duration to Qualify (Hours)24 hours
Watch out
If you buy Room Rent Modification and then take a room above the category you chose, the insurer pays your professional fees, operation theatre charges and procedure charges only in proportion to the room rent it allows. You pay the rest from your own pocket.
Hospital consumables are not covered by default. Buying the optional Coverage for Non-medical Items makes all 68 items on the policy's List I payable. The option can only be bought within the first three policy years.
Coverage detailstap any row to understand it
How it's coveredOptional add-on
IRDAI Non-payable Lists CoveredList I
Reduces Main Sum InsuredYes
Expense limitCovered up to full Sum Insured
Medical expenses for the 180 days after discharge are paid up to your Sum Insured, with no separate rupee cap. The expenses have to be for the same condition you were admitted for, and the in-patient claim itself has to be admitted.
Coverage detailstap any row to understand it
Coverage Days After Discharge180 days
Expense limitCovered up to full Sum Insured
Day-Extension Rider AvailableNo
Claim Settlement TypeReimbursement Only
Watch out
180 days covers most recovery periods, including physiotherapy after a knee replacement or follow-up scans after cancer surgery. If you buy the Maternity Expenses optional cover, post-hospitalisation expenses are not paid under it.
Cancer & serious illness4 of 10 are priority
Automatic Restoration puts back what a claim has used, unlimited times in a year and up to 100% of the Sum Insured each time. It triggers as soon as a claim uses part or all of your cover, and the restored amount pays your next hospitalisation, for the same illness or a different one.
Coverage detailstap any row to understand it
How it's coveredIncluded in the base plan
What the insurer calls itAutomatic Restoration of Sum Insured
RefillsRefills 100% of your cover, any number of times a year
Illnesses eligible for refillCan be used for the same illness or a new one - a repeat admission for the same illness within 45 days counts as the same hospitalisation and cannot use the refill
Activates FromFrom Day 1 (no trigger needed)
Watch out
If you are hospitalised again for the same illness within 45 days of your last consultation, the policy counts it as the same hospitalisation, so the restored cover does not pay that admission.
Super Star has no extra pool sitting above your Sum Insured from day one. A single bill is paid out of the Sum Insured plus whatever Cumulative Bonus has built up, and the restoration benefit only funds a later hospitalisation.
Coverage detailstap any row to understand it
How it's coveredNot covered
Watch out
Limitless Care can only be bought within the first three policy years, works once in the life of the policy.
The twelve modern procedures on the regulator's standard list, from robotic surgery and oral chemotherapy to deep brain stimulation and stem cell therapy for bone marrow transplant, are paid up to your full Sum Insured with no per-procedure cap. Pre and post hospitalisation expenses for them are included.
Coverage detailstap any row to understand it
Coverage ScopeListed Procedures (standard IRDAI list)
Expense limitCovered up to full Sum Insured
Sub-limit Modification AvailableNo
Super Star pays no lump sum on the diagnosis of a critical illness. The 54 illnesses listed in Annexure I do one job here: if the proposer, who must also be an Insured Person, is first diagnosed with one, the renewal premium for the next Policy Year is waived, once in the life of the policy. Treatment itself is paid as an ordinary hospitalisation claim.
Coverage detailstap any row to understand it
How it's coveredNot covered
Watch out
A premium waiver is not a payout. It covers one Policy Year of premium, once ever, and nothing is paid to you in cash on diagnosis.
When does my cover switch on?2 of 4 are priority
An illness you already have when you buy this policy is not paid for until 36 months of continuous cover are complete. At the first purchase you can pay extra to cut that wait to 24 or 12 months. A separate optional cover, Quick Shield, starts cover on the 31st day for five named conditions.
Coverage detailstap any row to understand it
Standard Waiting Period (Months)36 months
Coverage Condition After Waiting PeriodCovered if Declared at Policy Start
Portability / Migration Credit Reduces Waiting PeriodYes
Waiting period reductionReducible to 12 months, 24 months - opt-in Policy Start Only, available to Customer
Watch out
After 36 months a pre-existing condition is covered only if it is declared when you apply and accepted by the insurer.
Fourteen groups of common conditions wait 24 months from the first policy, cataract, hernia, joint replacement, thyroid, gall bladder and kidney stones among them. Accident claims are exempt. At the first purchase you can pay extra to cut the wait to 12 months, and only if you are aged 45 or under.
Coverage detailstap any row to understand it
Waiting Period (Months)24 months
Portability Credit Reduces Waiting PeriodYes
Pre-existing Disease Wait Applies if LongerYes
Accident Claims Exempt from Any Waiting PeriodYes
Waiting period reductionReducible to 12 months - opt-in Policy Start Only, available to Customer
Watch out
If a listed condition is also one you already have, the longer of the two waits applies, so the 36-month pre-existing wait takes over.
Planning a baby2 of 3 are priority
Childbirth is not in the base plan. You buy it as the Maternity Expenses optional cover, and it pays a flat amount per delivery instead of a share of your Sum Insured: Rs.50,000 or Rs.1,00,000 with a 24-month waiting period, or Rs.30,000 with a 12-month one. Caesarean is included. Four deliveries are payable in a lifetime.
Coverage detailstap any row to understand it
How it's coveredOptional add-on
Maternity expense limitUp to ₹1 Lakh per claim
Pre-natal Expenses IncludedYes
Post-natal Expenses IncludedYes
Waiting period24 months
Watch out
Pre-natal and post-natal expenses sit inside that same per-delivery amount, so the scans, the consultations and the hospital bill all draw on one limit. The policy's separate pre-hospitalisation and post-hospitalisation benefit does not apply to this cover.
The baby is covered from Day 1 of birth to the end of the Policy Year, but only if you bought the Maternity Expenses cover and a delivery claim is paid, or the mother has been covered for 12 months without a break. The limit is Rs.2,00,000 a year up to a Rs.25,00,000 Sum Insured and Rs.5,00,000 above that, in addition to your Sum Insured.
Coverage detailstap any row to understand it
How it's coveredOptional add-on
Newborn waiting periodsStandard waiting periods waived for the newborn
Newborn expense limitUp to ₹2 Lakh per year
Coverage Starts from Day of Life1 day
Reduces Main Sum InsuredNo
Watch out
Without the Maternity Expenses cover or Women Care, a baby can only be added mid-term and the cover starts on the 91st day of birth. The first 90 days are when a newborn is most likely to need hospital care, and you pay those bills from your own pocket.
Everyday medical costs2 of 7 are priority
There is no out-patient cover for consultations, medicines or ordinary tests. The one thing paid without an admission is the optional High-end Diagnostics cover: nine named scans and biopsies, among them PET CT, PET MRI and Liver Biopsy, payable on an OPD basis up to Rs.25,000 in a Policy Year when the test is part of a treatment.
Coverage detailstap any row to understand it
How it's coveredOptional add-on
OPD limit₹25,000 per year
GP consultationsNot covered - up to 0/year
Diagnostic Tests CoveredYes
Medicines / Pharmacy CoveredNo
Watch out
High-end Diagnostics can only be added in the first three policy years, and medical underwriting applies where a pre-existing disease is declared. Only the 30-day initial waiting period applies to it.
Super Star carries no mental health benefit. Neither document has a psychiatric or psychological treatment cover, a therapy allowance, or a row for one in the Table of Benefits. The single place psychiatric conditions are named is a carve-out: home treatment under Domiciliary Hospitalisation does not pay for any psychiatric or psychosomatic disorder.
Coverage detailstap any row to understand it
How it's coveredNot covered
Mental health add-onNot available
Watch out
If someone in your family may need treatment for depression, anxiety or a similar condition, check this before you buy. The one place the policy names psychiatric disorders is to leave them out of a benefit, not to cover them.
Worth it if I never claim?2 of 4 are priority
Every claim-free year adds 50% of your Sum Insured as bonus, up to a ceiling of 100%. A claim does not wipe the bonus out: only the part you actually spend is taken off at renewal and the rest carries forward. A paid cover, Super Star Bonus, adds a further 100% every year whether you claim or not, with no ceiling.
Coverage detailstap any row to understand it
How it's coveredIncluded in the base plan
What the insurer calls itCumulative Bonus
Bonus growthGrows 50% of Sum Insured per claim-free year, up to 100% of Sum Insured
Requires Renewal Without BreakYes
Eligible Claim TypesBase Coverage Only
Watch out
If you buy Super Star Bonus and later drop it at renewal, the whole bonus built up under it goes to zero.
You can choose a voluntary deductible from ₹10,000 up to ₹5 lakh, capped at 20% of your Sum Insured. It works across the whole policy year: you pay hospital bills yourself until they add up to that amount, and the policy pays only after that. Once chosen it cannot be reduced or dropped, and it is not offered on the Unlimited Sum Insured.
Coverage detailstap any row to understand it
AvailabilityOffered as an optional feature
Deductible waiverNo waiver option
Deductible Resets EveryPolicy Year
High Deductible Levels Restrict Other BenefitsNo
Deductible Can Only Be Increased at RenewalYes
Watch out
Once the deductible is on your policy you cannot lower it or remove it at any renewal.
0252 illnesses
52 named illnesses wait 24 months accidents from day 1 read by 10 body regions about 4 min
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.
Entire Body
52 ConditionsWaiting Period: 24 months
Eyes, ENT & Thyroid
Otitis Media and Mastoiditis
Middle ear infection
Head & Face
An infection inside or just behind the ear that causes 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 IV. Exclusions · Standard Exclusions · 2. Specified disease / procedure waiting period - Code Excl 02 · F. List of specific diseases / procedures · pages 34-35
Tympanic Membrane Perforation
Ruptured Eardrum
Head & Face
A hole or tear in the eardrum that can cause hearing loss or infection.
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 IV. Exclusions · Standard Exclusions · 2. Specified disease / procedure waiting period - Code Excl 02 · F. List of specific diseases / procedures · pages 34-35
Thyroid Disorders
Thyroid problem
Neck & Thyroid
Issues with the neck gland that controls body energy and weight.
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 IV. Exclusions · Standard Exclusions · 2. Specified disease / procedure waiting period - Code Excl 02 · F. List of specific diseases / procedures · pages 34-35
Deviated Nasal Septum
Bent nose bone problem
Head & Face
A bent bone inside the nose that makes breathing difficult.
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 IV. Exclusions · Standard Exclusions · 2. Specified disease / procedure waiting period - Code Excl 02 · F. List of specific diseases / procedures · pages 34-35
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 IV. Exclusions · Standard Exclusions · 2. Specified disease / procedure waiting period - Code Excl 02 · F. List of specific diseases / procedures · pages 34-35
0337 listed
10 never paid 12 paid only if a condition is met 15 in every policy read from all 37 under a minute
Never paid
10 clausesNo waiting period reaches these - the plan does not cover them at all.
If you declare a disease when you apply, the insurer can exclude it from your cover permanently, with your consent, and name it on your own policy schedule. The printed policy document does not list it, because this exclusion is personal to you. Read your schedule as soon as the policy is issued, and ask the insurer to explain anything on it that you do not recognise.
Existing disease/s, disclosed by the Insured and mentioned in the policy schedule under Permanent Exclusion (based on Insured's consent) - Code Excl 38
policy p.37 item 35, Code Excl 38
This rule is not one of the thirty-five numbered exclusions. It is printed in the Other Terms and Clauses section near the back of the policy. If your doctor prescribes a drug or a procedure for a condition it was not formally approved for, the plan does not pay for it. A medicine or treatment that is not approved by CDSCO, the FDA or another appropriate authority in India is not paid for either.
Any treatment, medicine not approved by CDSCO (Central Drugs Standard Control Organization), FDA (Food and Drug Administration) and other appropriate authorities in India will not be covered. We will also use instructions on the drug, procedure published by manufacturers, approver of the drug, and procedure in different countries, especially the country of discovery or invention on indications, contraindications and usage. Extra / Off label usage (using a drug or procedure for conditions other than it was explicitly approved for) will not be covered under the Policy.
policy pp.46-47, VI. Other Terms and Clauses, "Medical protocols and Position statements". Not printed as a numbered exclusion
If the insurer judges that the admission was not medically necessary, it refuses the whole claim and not a part of it. This rule applies to every claim, so keep the treating doctor's written reasons for admitting you on the file.
Any hospitalizations which are not Medically Necessary/does not warrant hospitalization - Code Excl 36
policy p.37 item 33, Code Excl 36
An admission for recovery rather than for active treatment is not paid, and the same clause names general debility, a run-down condition and nutritional deficiency states. This plan has no convalescence benefit that pays something instead. If an elderly patient is kept in hospital after the active treatment has finished, you pay for those extra days from your own pocket.
Convalescence, general debility, run-down condition, Nutritional deficiency states - Code Excl 21
policy p.36 item 21, Code Excl 21
One printed clause carries two rules, and this is the second one: the insurer does not pay for a hospitalisation that "does not warrant hospitalization". If the treatment could reasonably have been given without admitting you, this plan does not pay the hospital bill even though you were admitted. You pay it from your own pocket.
Any hospitalizations which are not Medically Necessary/does not warrant hospitalization - Code Excl 36
policy p.37 item 33, Code Excl 36 (second limb of the same clause; the medical-necessity limb is captured under X-NOT-NECESSARY)
Seven therapies are excluded by name: Enhanced External Counter Pulsation Therapy, chelation therapy, hyperbaric oxygen therapy, Rotational Field Quantum Magnetic Resonance Therapy, VAX-D, low level laser therapy and photodynamic therapy. The clause ends with "and such other therapies". So if the insurer judges that a therapy is similar to the ones named here, it can refuse that therapy too, even though the clause does not name it.
Expenses incurred on Enhanced External Counter Pulsation Therapy and related therapies, Chelation therapy, Hyperbaric Oxygen Therapy, Rotational Field Quantum Magnetic Resonance Therapy, VAX-D, Low level laser therapy, Photodynamic therapy and such other therapies - Code Excl 26
policy p.37 item 25, Code Excl 26
Insurance may not pay for general caretaking. Staying at a facility just to rest is not covered. Hiring helpers for daily tasks like walking or dressing may also be paid from your own pocket.
Rest Cure, rehabilitation and respite care - Code Excl 05: Expenses related to any admission primarily for enforced bed rest and not for receiving treatment. This also includes: i. Custodial care either at home or in a nursing facility for personal care such as help with activities of daily living such as bathing, dressing, moving around either by skilled nurses or assistant or non-skilled persons ii. Any services for people who are terminally ill to address physical, social, emotional and spiritual needs
policy p.35 item 5, Code Excl 05
One clause excludes the equipment people take home: walkers and crutches, wheelchairs, CPAP and BiPAP machines for sleep apnoea, and infusion pumps. Continuous Ambulatory Peritoneal Dialysis is named in the same list, so home dialysis equipment is not paid either. The clause ends with "and such other similar aids", so the insurer can refuse other similar equipment that the clause does not name.
Cost of spectacles and contact lens, hearing aids, Cochlear implants and procedures, walkers and crutches, wheel chairs, CPAP, BIPAP, Continuous Ambulatory Peritoneal Dialysis, infusion pump and such other similar aids - Code Excl 35
policy p.37 item 32, Code Excl 35 (second half of a compound clause; the spectacles and hearing half is captured under X-VISION-AIDS); the optional Durable Medical Equipment Cover is Optional Cover 14, policy pp.30-31
Spectacles, contact lenses and hearing aids are not paid for. Cochlear implants and the procedures for them are excluded by the same clause. This plan has no vision or hearing benefit. So if you need any of them, you pay the full cost from your own pocket.
Cost of spectacles and contact lens, hearing aids, Cochlear implants and procedures, walkers and crutches, wheel chairs, CPAP, BIPAP, Continuous Ambulatory Peritoneal Dialysis, infusion pump and such other similar aids - Code Excl 35
policy p.37 item 32, Code Excl 35 (first half of a compound clause; the equipment half is captured under X-DME)
Platelet Rich Plasma procedures and intra-articular injection therapy are excluded, and so are autologous derived stromal vascular fraction and chondrocyte implantation. This plan has no interventional pain benefit that pays for them instead, so if you need one, you pay the full cost from your own pocket.
Autologous derived Stromal vascular fraction, Chondrocyte Implantation, Procedures using Platelet Rich plasma and Intra articular injection therapy - Code Excl 28
policy p.37 item 27, Code Excl 28
Paid, but only if…
12 clausesWritten as exclusions, but the policy states a way in. The condition is the whole point.
When it IS paid
Paid when the same biological is administered as an in-patient, where it is clinically indicated and the hospitalisation is warranted.
Biological drugs for rheumatoid arthritis, psoriasis, inflammatory bowel disease and many cancers are usually given as a day care or outpatient infusion. This plan pays for them only when you are admitted as an in-patient, the drug is clinically indicated and the admission is warranted. If the hospital gives you the same drug in an infusion chair without admitting you, you pay for it from your own pocket. These are among the most expensive medicines people claim for, and the course is often repeated.
Biologicals, except when administered as an in-patient, when clinically indicated and hospitalization warranted - Code Excl 29
policy p.37 item 28, Code Excl 29
When it IS paid
If the situation is life threatening, or if you were in an accident, expenses up to the stage of stabilisation are paid even at an excluded hospital. The policy pays only up to that stage, and not the complete claim.
Insurance companies have a list of banned hospitals and doctors. If you go to them, your claim may be rejected. The exceptions are a life-threatening emergency or an accident - and even then the policy pays only up to the point you are stabilised.
Excluded Providers - Code Excl 11: Expenses incurred towards treatment in any hospital or by any Medical Practitioner or any other provider specifically excluded by the Insurer and disclosed in its website/notified to the policyholders are not admissible. However, in case of life threatening situations or following an accident, expenses up to the stage of stabilization are payable but not the complete claim.
policy p.36 item 11, Code Excl 11 (the excluded-provider list is on the insurer's website, not in the policy document)
When it IS paid
Diagnostic expenses that are related or incidental to the diagnosis and treatment you were actually admitted for stay covered.
Health insurance pays for actual medical treatments. If you stay in a hospital purely for diagnostic tests or scans, the bill may not be covered. There must be an active treatment going on.
Investigation & Evaluation - Code Excl 04 A. Expenses related to any admission primarily for diagnostics and evaluation purposes only are excluded B. Any diagnostic expenses which are not related or not incidental to the current diagnosis and treatment are excluded
policy p.35 item 4, Code Excl 04
When it IS paid
Paid when a medical practitioner prescribes them as part of a hospitalisation claim or a day care procedure.
General vitamins and supplements are not covered. You may have to pay for them yourself. Insurance may only pay if a doctor strictly prescribes them during a hospital stay.
Dietary supplements and substances that can be purchased without prescription, including but not limited to Vitamins, minerals and organic substances unless prescribed by a medical practitioner as part of hospitalization claim or day care procedure - Code Excl 14
policy p.36 item 14, Code Excl 14
When it IS paid
Paid for reconstruction following an accident, burns or cancer, or as part of medically necessary treatment to remove a direct and immediate health risk. If you claim on that last route, the attending Medical Practitioner has to certify the medical necessity.
Surgeries done just to look better are excluded. However, plastic surgery needed after a bad accident may be covered. Surgeries for burns or cancer reconstruction are also covered.
Cosmetic or plastic Surgery - Code Excl 08: Expenses for cosmetic or plastic surgery or any treatment to change appearance unless for reconstruction following an Accident, Burn(s) or Cancer or as part of medically necessary treatment to remove a direct and immediate health risk to the Insured. For this to be considered a medical necessity, it must be certified by the attending Medical Practitioner.
policy p.35 item 8, Code Excl 08
When it IS paid
There are two routes in. As hospitalisation: paid only when BOTH are true, an accidental injury caused it AND it requires hospitalisation. As an inbuilt benefit: the Dental Check-up and Cleaning under Basic Cover 17 pays for a consultation, a dental IOPA X-ray and scaling on a cashless basis, for one insured person in each Policy Year, and only in the 2nd and 3rd Policy Years of a policy bought new. Dental implants are not payable on either route.
Dental treatment is paid only when an accidental injury caused it and it needs hospitalisation. If an illness makes dental treatment necessary, you pay for it from your own pocket. Dental implants are never paid, even after an accident. There is one small dental benefit inside the plan: a cashless Dental Check-up and Cleaning, which pays for a consultation, a dental IOPA X-ray and scaling. One insured person can use it in each Policy Year, and only in the 2nd and 3rd Policy Years if you bought this policy new.
Dental treatment or surgery unless necessitated due to accidental injuries and requiring hospitalization (Dental implants are not payable) - Code Excl 32 {except to the extent covered under Section II (17)}
policy p.37 item 30, Code Excl 32; the inbuilt Dental Check-up & Cleaning is Basic Cover 17, policy p.14
When it IS paid
The clause does not apply to anyone who buys the optional Coverage for Non-medical Items (Consumables). That cover pays the List I items whenever there is an admissible in-patient or day care claim. It can only be bought within the first three policy years, and if you drop it you can never take it again.
The exclusion list does not end with the thirty-five clauses printed in this policy. One clause points to www.starhealth.in for other excluded expenses, so that part of the list is not in the document you hold. When your hospital bill is settled, those items are taken off the claim too. If you buy the optional Coverage for Non-medical Items, this clause does not apply to you, and that cover pays for the List I consumables whenever the insurer admits an in-patient or day care claim. If you do not buy it, ask the insurer for the website list before you are admitted, so you know which costs you will pay from your own pocket.
Other excluded expenses as detailed in the website www.starhealth.in - Code Excl 37 {except to those who opted for Optional Cover Section III (3)}
policy p.37 item 34, Code Excl 37; the buy-back is Optional Cover 3, Coverage for Non-medical Items (Consumables), policy p.22
When it IS paid
At 7.5 dioptres or more, the correction is paid.
Surgeries to remove your glasses are usually not covered. They are seen as a cosmetic choice. The policy pays only when your eyesight is very weak - 7.5 dioptres or worse.
Refractive Error - Code Excl 15: Expenses related to the treatment for correction of eyesight due to refractive error less than 7.5 dioptres.
policy p.36 item 15, Code Excl 15
When it IS paid
Paid when all four conditions hold together: the surgery is on the doctor's advice, it is supported by clinical protocols, the member is 18 years of age or older, and Body Mass Index is 40 or more, or 35 or more alongside obesity-related cardiomyopathy, coronary heart disease, severe sleep apnea or uncontrolled Type 2 diabetes, after less invasive weight-loss methods have failed. There is no separate bariatric benefit in this plan, so a surgery that meets all four conditions is paid as ordinary hospitalisation up to the Sum Insured.
The policy pays for weight-loss surgery only when your doctor advises it, you are 18 or older, and your BMI is 40 or more - or 35 or more together with a condition like heart disease, severe sleep apnoea or uncontrolled diabetes. Surgery to change how you look is not covered.
Obesity / Weight Control - Code Excl 06: Expenses related to the surgical treatment of obesity that does not fulfil all the below conditions; A. Surgery to be conducted is upon the advice of the Doctor B. The surgery / Procedure conducted should be supported by clinical protocols C. The member has to be 18 years of age or older and D. Body Mass Index(BMI); 1. greater than or equal to 40 or 2. greater than or equal to 35 in conjunction with any of the following severe co-morbidities following failure of less invasive methods of weightloss: a. Obesity-related cardiomyopathy b. Coronary heart disease c. Severe Sleep Apnea d. Uncontrolled Type2 Diabetes
policy p.35 item 6, Code Excl 06
When it IS paid
The exclusion does not apply to a new born if you buy Maternity Option A or Option B, and an external congenital defect is then paid up to the new born limit of ₹2,00,000 or ₹5,00,000 by Sum Insured band. Also bought back by the Women Care optional cover, where the new born's congenital defects are paid up to the full Sum Insured until the end of the Policy Year.
A birth defect you can see on the outside of the body is not paid for anyone on this policy. There are two exceptions, and both apply only to a new born baby. If you buy Maternity Option A or Option B, this exclusion does not apply to the New Born Cover, and an external congenital defect is paid up to the new born limit of ₹2,00,000 or ₹5,00,000, depending on your Sum Insured band. If you buy the Women Care optional cover, its congenital defects are paid up to the full Sum Insured until the end of the Policy Year.
Congenital External Condition / Defects / Anomalies - Code Excl 20 (Except to the extent covered under Section III (5) (Option - A & B) and (6) )
policy p.36 item 20, Code Excl 20; New Born Cover under Maternity Option A and Option B at policy pp.24-25, Women Care at policy p.26
When it IS paid
Fertility treatment IS paid if you buy Maternity Option C, and you do not have to be admitted as an in-patient for it. The gates: a 24-month waiting period from the first commencement of the policy or from the date you took the option, whichever is later; both you and your spouse covered continuously for 24 months; one treatment cycle in a Policy Year; and a limit of ₹1,00,000, ₹2,00,000 or ₹4,00,000 depending on your Sum Insured band. Even under Option C the policy still does not pay for gestational surrogacy, services rendered to a surrogate, cryopreservation and storage of sperm, eggs and embryos, reversal of voluntary sterilisation, fertility-enhancing surgery, pre and post treatment expenses, selective termination of an embryo, or treatment for a second or later pregnancy when a child from an earlier delivery is alive.
Medical costs for family planning are not covered. This means the policy may not pay for treatments to prevent pregnancy. It also may not pay for treatments to get pregnant.
Sterility and Infertility - Code Excl 17 (Except to the extent covered under Section III (5) Option C): Expenses related to sterility and infertility. This includes; a. Any type of contraception, sterilization b. Assisted Reproduction services including artificial insemination and advanced reproductive technologies such as IVF, ZIFT, GIFT, ICSI c. Gestational Surrogacy d. Reversal of sterilization
policy p.36 item 17, Code Excl 17; the buy-back is Maternity Option C (Assisted Reproduction Treatment), policy pp.25-26
When it IS paid
Delivery IS paid if you buy Maternity Option A or Option B: the expenses for a delivery, including a caesarean section and the pre-natal and post-natal expenses, up to the limit written in your policy schedule. Option A carries a 24-month waiting period and Option B a 12-month waiting period, there is no waiting period for later deliveries, and up to 4 deliveries in a lifetime are payable. Neither option pays pre-hospitalisation or post-hospitalisation expenses. Two things are outside the exclusion, each for its own reason. An ectopic pregnancy was never inside it and is paid as ordinary hospitalisation. A miscarriage is paid only when an accident caused it. Lawful medical termination of pregnancy is not paid.
Standard health policies may not cover the costs of pregnancy or childbirth. Normal deliveries and C-sections are excluded. The usual exception is an ectopic pregnancy; where a policy pays maternity as a benefit, its own wording says so.
Maternity - Code Excl 18 (Except to the extent covered under Section III (5) Option - A & B): i. Medical treatment expenses traceable to childbirth (including complicated deliveries and caesarean sections incurred during hospitalization) except ectopic pregnancy; ii. Expenses towards miscarriage (unless due to an accident) and lawful medical termination of pregnancy during the Policy Period
policy p.36 item 18, Code Excl 18; the buy-back is Maternity Option A or Option B (Delivery Expenses and New Born Cover), policy pp.23-25
0412 discounts
9 just for qualifying 3 cost you a co-pay, a deductible or a smaller network capped at 15% about 7 min
Just for qualifying9
When it appliesPurchase & renewal
Stacks withNot available if the premium is paid in instalments. It is printed on its own page, outside the prospectus block that carries the 15% combined cap.
Printed atProspectus p.2 · Long term discount
Watch out
Cancel early and the refund is worked out after taking back the discount already given
When it appliesPurchase only
Stacks withCounts inside the prospectus block capped at 15% of premium combined.
Printed atProspectus p.3 · List of available discounts
Watch out
One-time at purchase - not available at subsequent renewals
When it appliesPurchase & renewal
Stacks withCounts inside the prospectus block capped at 15% of premium combined.
Printed atProspectus p.3 · Cibil Score Discount
Watch out
At purchase and the first two renewals only
When it appliesPurchase & renewal
Stacks withCounts inside the prospectus block capped at 15% of premium combined.
Printed atProspectus p.3 · Online Discount
When it appliesRenewal only
Stacks withCounts inside the prospectus block capped at 15% of premium combined.
Printed atProspectus p.3 · Early Renewal Discount
Watch out
First three renewals only
When it appliesPurchase & renewal
Stacks withCounts inside the prospectus block capped at 15% of premium combined.
Printed atProspectus pp.4-6 · Health Questionnaire Discount
When it appliesPurchase & renewal
Stacks withPrinted immediately after the 15% cap note, so whether that cap reaches it is not stated.
Printed atProspectus p.6 · Discount in Lieu of Commission
When it appliesPurchase & renewal
Printed atPolicy p.33 · Optional Cover 21; Policy p.67
Watch out
Five continuous Policy Years at most
In exchange for something3
When it appliesPurchase & renewal
Stacks withIts 15% co-payment applies over and above any other co-payment you carry, including the Voluntary Co-payment.
Printed atPolicy pp.22-23 · Optional Cover 1; Policy p.66
In return
In-patient, day care and AYUSH treatment has to be taken at a hospital on the Smart Network list. Every claim treated outside that list carries a 15% co-payment from your own pocket, with accidents the only exception, and the insurer can add or remove hospitals from the list during the policy year.
Watch out
Drop it at a renewal and you cannot take it again
WorthNot published
When it appliesPurchase & renewal
Stacks withNot available with the Voluntary Deductible. Your share applies over and above any other co-payment, including the 15% Smart Network co-payment.
Printed atPolicy p.30 · Optional Cover 10; Policy p.67
In return
You pay your chosen share, from 10% up to 50%, of every admissible claim across the eleven main coverages. No claim is exempt, not accidents and not day care, and once you have opted it you cannot reduce the percentage or drop it at any renewal.
Watch out
Once opted, it can never be reduced or removed
WorthNot published
When it appliesPurchase & renewal
Stacks withNot available with the Voluntary Co-payment.
Printed atPolicy pp.30-31 · Optional Cover 11; Policy p.67; Prospectus p.11
In return
You pay the first ₹10,000 to ₹5,00,000 of your hospitalisation costs each Policy Year, whichever amount you chose, counted across the eleven main coverages together - per person on an individual policy, across the whole family on a floater. Once you have opted it you cannot reduce the amount or drop it at any renewal.
Watch out
Once opted, it can never be reduced or removed
Not offered: a family or multi-member discount - the floater rate table is where the saving sits instead · an employee or group discount · a senior citizen or entry-age discount · cash back, referral rewards or a wallet you can spend.
05
99.06% claims settled 14,000 cashless hospitals 2.21 solvency under a minute
Star Health
Filed plan · UIN SHAHLIP27049V022627
0610 comparisons
10 comparisons, every clause that differs under a minute
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 9 Sept 2026.
IRDAI UIN: SHAHLIP27049V022627
2 documents we read this from under a minute