Young Star Insurance Policy
Version_1.0_Aug 24 Parameters UIN: SHAHLIP25035V052425
About the policy This is an indemnity policy available for Youngsters
Policy Type For Individuals & Family
18 years – 40 years
Entry Age For Adults: 18 years – 40 years (Family Size – 2 Adults + 3 Dependent Children)
For Dependent Children: 91days - 25 years
Available for including newly married spouse and/or legally adopted child (Intimation should
Midterm Inclusion
be given within 45 days from the date of marriage or date of adoption)
New Born on paying additional premium (Intimation should be given within 90 days from D.O.B)
Renewal Lifelong
Policy Term One Year, Two Years & Three Years
Quarterly/ Half-Yearly/ Yearly/ Once in 2 Years/ Once in 3 Years
Features
Premium Payment Options
Pre - Medical Screening Not required
Sum Insured (Lakhs) 3L/ 5L/ 10L/ 15L/ 20L/ 25L/ 50L/ 75L/ 100L (3 Lakhs sum insured is not available for Floater)
Plan Options Silver Plan & Gold Plan
Coverage
In-patient Hospitalization Room - Single Private AC Room
Day Care Procedures All day care procedures are covered
Pre & Post-Hospitalization 60 Days & 90 Days
Road Ambulance Covered (i) for transportation to hospital (or) (ii) from one hospital to other hospital
E-Medical Opinion Available from the Company’s expert panel mail id:e_medical.opinion@[Link] and cannot be
considered for medico-legal purposes.
Health Check-up (available Sum Insured 3 Lakhs 5 Lakhs 10 Lakhs 15 Lakhs & above
after each policy year) Individual Cover 1,500 2,000 3,000 3,500
Floater Cover N.A 3,000 4,000 5,000
Automatic Restoration (Up to Restoration triggers upon partial/full utilization of limit of cover
100%, Once in every policy year) Restored sum insured can be utilized for all claims (for subsequent hospitalizations)
The maximum liability in a Single claim will be up to the limit of cover and cannot be used for Modern
Treatments
No Claim Bonus 20% for each claim free year subject to a maximum of 100%
Additional Cover for RTA In case of RTA, 25% of sum insured subject to a max up to Rs 10 Lakhs
Coverage
AYUSH Covered up to the Sum Insured
Note : Claims under Yoga and Naturopathy system of treatment will be payable subject to prior
approval from the company.
Star Wellness Program Wellness platform is available both in our “STAR Health” mobile app & Customer Portal
(for Insured aged = >18 years) (Retail). The Insured can earn reward points and avail premium discount up to 10% on the renewal
premium by enrolling and achieving the wellness goals
Discount for early Entry If the Insured person avails this policy before the age of 36 years and has continuously renewed
without any break, then, on completion of 40 years of age the insured person will be offered a
discount of 10% on the premium applicable at renewal at the age of 40 years for the sum insured
opted at the inception of this policy. This discount is available for all the subsequent renewals.
Delivery Expenses Expenses for a Delivery including Delivery by Caesarean section (including pre-natal and post natal
(Gold Plan) expenses) up-to Rs.30,000/- per delivery is payable
Hospital Cash Benefit (Gold Plan) Rs.1,000 per day, Maximum 7days per admission, 14 days per policy period (1 day deductible)
Modern treatments Based on the Sum insured chosen limits differ, refer policy wording for further details
Waiting Period
Initial waiting period 30 days (not applicable for Accidents)
12 Months
For Specified diseases (a) Diseases of ENT and Thyroid
Waiting Period
(b) All types of Hydrocele, Hernia, Vericocele, Piles, Fistula and Fissure in Ano
(c) Diseases of Female Reproductive System
(d) Calculus diseases of the Gall Bladder, Kidney and Urinary Tract
For Pre-existing diseases 12 months
* The information provided in this document is only indicative.
