4.0 out of 5 stars (based on 1 review)

Super Star plan by Star Health is a comprehensive plan that any age group can opt for, it comes with a lot of benefits including unlimited automatic recharges, advanced treatments, premium waivers, e-consultation and much more but it also comes with 21 add-ons which makes it such a customizable plan where you can design your health plan as per your need so if you are looking for a comprehensive plan you can consider this one

Comprehensive - Key Highlights

No Limits, Just Benefits

Automatic restoration of SI after every claim and increasing bonuses for every claim-free year.

Booster+

Lock in your age and keep your premiums young until you make a claim.

Any Room

Access top-tier hospitals nationwide and pick any room, all with no extra cost.

99.1% CSR

100% claim settlement ratio in last 3 months

13,604+ Hospitals

More then 10,000+ hospitals pan India

Borderless

Up to 20% discount on renewal premium basis step count.

Features & Benefits

Room rent limit

Any category

Note: Room rent limits can impact all expenses related to hospitalization. For better coverage, ensure that your health plan does not have any room rent limits.

Restoration of cover

Unlimited time in a year, for related and unrelated illness.

Note: This allows the coverage amount to be automatically refilled when your coverage exhaust due to multiple claims

Renewal Bonus

50% every claim-free year, up to 100% of the sum insured

Note: This is an additional coverage amount that the insurance company gives you as a loyalty benefit on policy renewal, without reducing the actual coverage amount.

Cashless Hospitals

13,604+ cashless hospitals in India

Note: A large hospital network will allow you to get hassle-free treatment across India without any co-payments and reimbursements, make sure the nearest hospital is included in the network hospital list of your insurer company.

Co-Pay

0% Co-Pay (100% paid by insurer)

Note: Always ensure that your health plan does not have any co-pay so that you do not have to spend a single penny from your pocket.

Pre-Hospitalization Coverage

Up to 90 days

Note: It covers all medical expenses like doctor visits, tests, diagnosis, etc. before hospitalization.

Post-Hospitalization Coverage

Up to 180 days

Note: This covers all medical expenses, such as doctors’ medication, follow-up and recovery treatment after discharge

Day Care Treatment

All day-care treatments covered

Note: All treatments that take less than 24 hours and do not require you to be hospitalised fall under day care treatment.

Hospitalization at Home

Up to SI

Note: Hospitalization at home is possible when beds are not available in the hospital or on medical advice.

Ambulance Charges

Up to SI

Note: Covers ambulance charges before and after the hospitalization

Value Added Services

Mid year member addition

Note: Children and spouse can be added after 90 days in the middle of the policy term. But if you want to add spouse, then the date of marriage should be after the policy date.

Free Health Check-up

Covered from day 1 for all insured members

Note: Applicable for insured persons who are 18 years or above.

Discount on Renewal

Up to 20% discount on premium at the time of renewal

Note: This is the addition discount that you can avail if you stay active and fit.

E-consultation

Unlimited Tele-Consultation

Note: This is a free online doctor consultation where you can get professional health advice.

Premium Waiver

Note: If the proposer is diagnosed with a critical illness or dies due to an accident then the premium is waived for the next policy year.

Second Opinion

Unlimited Tele-Consultation

Note: This is a free online doctor consultation where you can get professional health advice.

Waiting periods

Initial Waiting Period

30 Days (except accidents)

Note: The policy will start covering you after 30 days are calculated from the date of issue of your policy.

Slow-growing Illness

2 Years

Note: Those illnesses which take time to develop in the body are called slow-growing illnesses like hernia, cataracts, knee replacement..etc.

Pre-Existing Diseases (PED)

3 Years

Note: All the illnesses before buying the policy come under Pre-Existing Diseases (PED), like diabetes, thyroid, etc.

Additional Features

AYUSH (Alternate Medicine)

Up to SI

Note: This feature is good if the treatment requires the Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy (AYUSH) treatment, make sure your policy covers AYUSH treatments.

Cover for Organ Donor

Up to SI

Note: This is the important feature in future, it may need.

Modern Treatment

Up to SI

Note: Covers only listed advance procedures

Air Ambulance

Up to Rs. 5 lac

Note: Reimbursement up to ₹5,00,000 in a policy year for air ambulance services if advised by a doctor.

Home Care Treatments

Note: Coverage for home-based treatment for specified conditions, including fever, infections, and chronic illnesses, provided certain criteria are met.

Maternity Benefit(s)

Maternity Cover

Available as an optional cover

Note: Covers expenses around maternity, IVF, adoption, surrogacy and more.

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Available Add-ons

Limitless Care

Note: Covers in-patient/day care treatment without any sum insured limit for one claim in a lifetime, once the cover expires, the sum insured becomes zero for that policy year

Super Star Bonus

Note: 100% additional Sum Insured after each renewal, without maximum accumulation limit

Women Care

Note: Newborn cover immediately after birth, up to specified limits. Coverage for congenital defects up to Sum Insured
Conditions: Submission of 12 and 20 week pregnancy scan reports required.

Future Shield

Note: Continuity benefits for all waiting periods for a newly added spouse
Conditions: Spouse must be added within 120 days of marriage. Can only be opted for by the insured covered under individual policy

Maternity Expenses

Note: It covers expenses related to child delivery and pre and post delivery care. Couples who are planning or expecting a baby can add this feature to their health policy.

Quick Shield

Note: Waives PED Waiting Period for specified conditions (Diabetes, Hypertension, Asthma, Hyperlipidemia, certain Coronary Artery Diseases).

Annual Health Check-up

Note:Up to 1% of Sum Insured or ₹25,000 (whichever is lower).
Conditions: Booking through digital assets only

Reduction of Specified Disease / Procedure Waiting Period

Note: Option to reduce from 2 years to 1 year.

Reduction of PED Waiting Period

Note: Option to reduce from 3 years to 2 years/ 1 year.

Personal Accident Cover

Note: Option A: Accidental Death.
Option B: Accidental Death and Permanent Total Disablement
Geographical Scope: Worldwide.

Coverage for Non-medical Items

Note: Covered under an admissible claim for In-patient/ Day Care Treatment

High-end Diagnostics

Note: Up to 25,000 for specific diagnostic tests on an OPD basis.

Durable Medical Equipment Cover

Note: Up to 5 Lakh Coverage for rental/ purchase of necessary medical equipment (e.g., oxygen concentrators, wheelchairs, etc.), payable once in a lifetime

Hospital Cash

Note: Daily cash benefit of ₹1,000 to ₹5,000 for 30/60/90/180 days.

NRI Advantage

Note: A Non-Resident Indian (NRI)/ Overseas Citizen will get a 10% discount on their applicable premium

E-International Second Opinion

Note: Second medical opinion from an international panel, once per policy year for each insured person, based on medical records only.

Compassionate Visit

Note: Up to ₹10,000 for an immediate family member to travel in case of a life-threatening emergency away from home.

Smart Network

Note: 15% co-payment is payable for treatment outside the network hospital except in case of accident.

Room Rent Modification

Note: Option to modify room rent eligibility from Any Room to Single Private AC Room/ Shared Room/ General Ward.

Voluntary Co-payment

Note: Option to choose between 10%/ 20%/ 30%/ 40%/ 50% co-payment for claims.

Voluntary Deductible

Note: Options to choose deductible amount of 10k/ 25k/ 50k/ 1L/ 2L/ 3L/ 4L/ 5L

Exclusions

Cosmetic & Aesthetic Treatments

Note: All the cosmetic procedures are not covered, like plastic surgery, hair transplants, and weight loss treatments, unless medically necessary.

Self-Inflicted Injuries & Suicide Attempts

Note: Any self-harm and suicide is not covered.

Alcohol or Drug Abuse-Related Treatment

Note:Any medical condition arising due to alcohol or drug abuse is not covered.

War, Terrorism, or Nuclear Exposure

Note: Injuries due to war, terrorism, or nuclear hazards are not covered.

Experimental & Unproven Treatments

Note: Procedures that are not medically approved or experimental are excluded.

Congenital Diseases

Note: Birth diseases and defects are not covered.

Note: To know more about the exclusions details, please refer to the policy wording.

About Star Health

Star Health and Allied Insurance Company Limited specializes in offering a wide range of insurance products like health insurance, maternity insurance, travel insurance, critical illness for individuals and family. They have launched several insurance to provide the necessary coverage for senior citizens, diabetes and maternity. Not only this, it also offers group health insurance for corporates.

Star Health has received several awards for its claim settlement services, customer engagement and product innovation. The company is committed to providing affordable and comprehensive health insurance solutions.

FAQs

What is the restoration benefit, and how does it work?

Restoration benefit automatically replenish the sum insured if the coverage is exhausted due to a medical claim during the policy term.

What is the waiting period for pre-existing diseases?

The waiting period for pre-existing illnesses is 3 years. The insured can apply for a claim after the completion of the waiting period or can reduce the waiting period by adding add-ons.

Does this plan offer cashless hospitalization?

Yes, the plan offers cashless hospitalization facility if you are admitted to the insurer network hospital.

Is there a room rent limit under this policy?

No, there is no cap on room rent in this plan and there are no other specific sub-limits.

Does the plan cover daycare treatments?

Yes, treatments requiring hospitalization for less than 24 hours such as cataract surgery, dialysis, and chemotherapy are covered.

Is maternity and newborn cover included?

Yes, the insured can cover maternity and newborn baby expenses by adding Maternity Cover add-on and completing the maternity waiting period of 24 months

Can I add family members in the middle of the policy term?

Yes, The child should be 91-180 days old at the time of adding the child to the policy after the policy issuance. Spouse will be added after 91 days of policy issuance, provided the date of marriage is after the date of policy issuance

Are there any co-payments or sub-limits in this plan?

No, there is no limit on room rent or any sub-limit on specific treatments or expenses.

Does this plan cover alternative treatments like AYUSH?

Yes, the plan provides alternative treatments under AYUSH including Ayurveda, Yoga, Naturopathy, Unani, Siddha, and Homeopathy.

How can I renew my policy, and are there any renewal benefits?

Policy renewal can be done online. Policyholders can contact us at 011 6932-0444, by email at support@liablecover.com, or by contacting their Relationship Manager.

Latest review

Vikram Choudhury

April 12, 2025

I found this plan to be a smart choice for mid-level coverage with top-up flexibility. It works well if you’re cost-conscious but still want good protection. The digital process via liable cover was seamless.

Super Star