Young Star Insurance Policy
Plan Essentials
Mid-Term Inclusion
The newly married spouse, newborn baby and/or legally adopted child can be included in the policy by paying an additional premium. The waiting periods will be applicable from the date of inclusion of new joiners.
Entry Age
Any person aged between 18 and 40 years can avail this policy. Under the Floater basis, a maximum of up to three dependent children aged between 91 days and 25 years are covered.
Special Discount
A 10% discount on premium is applicable on purchasing the policy before 36 years of age and renewing it after 40 years of age.
Star Wellness Program
The wellness points earned for indulging in healthy lifestyle activities can be utilised for availing discounts up to 2-10% at the time of policy renewals.
Additional Basic Sum Insured for Road Traffic Accident
Instalment Options
Medical Examination
Pre-medical test is not mandatory to avail this policy.
Policy Type
This policy can be availed either on an Individual or Floater basis.
IMPORTANT HIGHLIGHTS
| Gold Plan | Silver Plan | |
|---|---|---|
| In-Patient Hospitalisation :- Hospitalisation expenses incurred for a period of more than 24 hours on account of illness, injury or accidents are covered. | ||
| Pre-Hospitalisation :- In addition to in-patient hospitalisation, the medical expenses incurred up to 60 days before the date of admission to the hospital are also covered. | ||
| Post-Hospitalisation:- Post-hospitalisation medical expenses up to 90 days from the date of discharge from the hospital are covered as per the limits mentioned in the policy clause. | ||
| Room Rent:- Room (Single Private A/C Room), boarding and nursing expenses incurred during in-patient hospitalisation are covered. | ||
| Road Ambulance:- Ambulance charges incurred for transporting the insured person by private ambulance services to the hospital and from one hospital to another hospital for better treatment are covered. | ||
| Day Care Procedures:- Medical treatments and surgical procedures that require less than 24 hours of hospitalisation due to technological advancements are covered. | ||
| Modern Treatment:- Expenses incurred for modern treatments such as Oral Chemotherapy, Intra Vitreal injections, Robotic Surgeries, etc. are covered up to the limits mentioned in the policy clause. | ||
| Additional Basic Sum Insured for Road Traffic Accident (RTA):- If the basic Sum Insured gets exhausted, then for hospitalisation due to Road Traffic Accidents, it will be increased by 25% to the maximum of Rs. 10,00,000/-. | ||
| AYUSH Treatment:- Medical expenses for Inpatient Hospitalization incurred on treatment under Ayurveda, Unani, Sidha and Homeopathy systems of medicines in a AYUSH Hospital is payable up to the sum insured. | ||
| Automatic Restoration of the Basic Sum Insured:- On partial or full utilisation of the Sum Insured during the policy period, 100% of the Sum Insured will be restored once in the same policy period. | ||
| Cumulative Bonus:- Cumulative bonus is provided at 20% of the Sum Insured for each claim-free year subject to a maximum of 100% of the Sum Insured. | ||
| Online Discount:- A 5% discount on premium is available for purchasing the policy for the first time through online. | ||
| Special Discount:- A 10% discount on premium is applicable on purchasing the policy before 36 years of age and renewing it after 40 years of age. | ||
| E-Medical Opinion:- E-Medical Opinion facility from the Company’s expert panel is available on the request initiated by the insured person. | ||
| Health Check-Up:- Health check-up expenses incurred at Network Hospitals are covered up to the specified limits irrespective of the claim. | ||
| Star Wellness Program :- Wellness program designed to motivate and encourage the healthy lifestyle of the insured person through various wellness activities. In addition, the earned wellness bonus points can be utilised for availing renewal discounts up to a maximum of 10%. | ||
| Lifelong Renewal:- This policy provides a lifelong renewal option. | ||
| Delivery Expenses:- Delivery expenses including the Caesarean section are covered up to Rs. 30,000/- per delivery to the maximum of two deliveries. | ||
| Hospital Cash Benefit :- A cash benefit of Rs.1000/- for each completed day in the hospital is provided for a maximum of 7 days per hospitalisation and 14 days per policy period. |
Premium for 1 year – Gold Plan
Premium for 1 year – Silver Plan
Long Term Discounts:
- For 2 year Term – 10% discount on 2nd year premium.
- For 3 year Term – 11.25% discount on 2nd and 3rd year premium
Star Wellness Program
This program intends to promote, incentivize and to reward the Insured Persons’ healthy life style through various wellness activities. The wellness activities as mentioned below are designed to help the Insured person to earn wellness reward points which will be tracked and monitored by the Company. The wellness points earned by the Insured Person(s) under the wellness program, can be utilized to get discount in premium. This Wellness Program is enabled and administered online through Star Wellness Platform (digital platform).
Note: The Wellness Activates mentioned in the table below (from Serial Number 1 to 5) are applicable for the Insured person(s) aged 18 years and above only.
The following table shows the discount on renewal premium available under the Wellness Program:
| Wellness Points Earned | Discount in Premium |
|---|---|
| 200 to 350 | 2% |
| 351 to 600 | 5% |
| 601 to 750 | 7% |
| 751 to 1000 | 10% |
*In case of floater policy the weightage is given as per the following table & noted points:
| Family Size | Weightage |
|---|---|
| Self, Spouse | 1:1 |
| Self, Spouse and Dependent Children (up to 18 years) | 1:1:0:0:0 |
| Self, Spouse and Dependent Children (aged above 18 years) | 2:2:1:1:1 |
Note: In case of two year policy, total number of wellness points earned in two year period will be divided by two.
Insured will be given log-in facility, which will be linked to his/ her policy.
*Please refer the Illustrations to understand the calculation of discount in premium, weightage and the calculation in case of two year policy.
The wellness services and activities are categorized as below:
| Sr. No. | Activity | Maximum number of Wellness Points that can be earned under each policy in a policy year |
|---|---|---|
| 1. | Manage and Track Health | |
| a) Online Health Risk Assessment (HRA) | 50 | |
| b) Preventive Risk Assessment | 200 | |
| 2. | Affinity to Wellness | |
| a) Participating in Walkathon, Marathon, Cyclothon and similar activities | 100 | |
| b) Membership in a health club (for 1 year or more) | 100 | |
| 3. | Stay Active – If the Insured member achieves the step count target on mobile app | 200 |
| 4(a). | Weight Management Program (for the Insured who is Overweight / Obese) | 100 |
| 4(b). | Sharing Insured Fitness Success Story through adoption of Star Wellness Program (for the Insured who is not Overweight / Obese) | 50 |
| 5(a). | Chronic Condition Management Program (for the Insured who is suffering from Chronic Condition/s – Diabetes, Hypertension, Cardiovascular Disease or Asthma) | 250 |
| 5(b). | On Completion of De-Stress & Mind Body Healing Program (for the Insured who is not suffering from Chronic Condition/s – Diabetes, Hypertension, Cardiovascular Disease or Asthma) | 125 |
| Additional Wellness Services | ||
| 6. | Virtual Consultation Service | |
| 7. | Medical Concierge Services | |
| 8. | Period & Fertility Tracker | |
| 9. | Digital Health Vault | |
| 10. | Wellness Content | |
| 11. | Health Quiz & Gamification | |
| 12. | Post-Operative Care | |
| 13. | Discounts from Network Providers |
1. Manage and Track Health:
(a) Completion of Health Risk Assessment (HRA):
The Health Risk Assessment (HRA) questionnaire is an online tool for evaluation of health and quality of life of the Insured. It helps the Insured to introspect his/ her personal lifestyle. The Insured can log into his/her account on the website www.starhealth.in and complete the HRA questionnaire. The Insured can undertake this once per policy year. On Completion of online HRA questionnaire, the Insured earns 50 wellness points.
Note: To get the wellness points mentioned under HRA, the Insured has to complete the entire HRA within one month from the time he/she started HRA Activity.
(b) Preventive Risk Assessment:
The Insured can also earn wellness points by undergoing diagnostic / preventive tests during the policy year. These tests should include the four mandatory tests mentioned below. Insured can take these tests at any diagnostic centre at Insured’s own expenses.
- If all the results of the submitted test reports are within the normal range, Insured earns 200 wellness points.
- If the result of any one test is not within the normal range as specified in the lab report, Insured earns 150 wellness points.
- If two or more test results are not within the normal range, Insured earns 100 wellness points only.
| List of mandatory tests under Preventive Risk Assessment | |
|---|---|
| 1. Complete Haemogram Test | |
| 2. Blood Sugar (Fasting Blood Sugar (FBS) + Postprandial (PP) [or] HbA1c) | |
| 3. Lipid profile (Total cholesterol, HDL, LDL, Triglycerides, Total Cholesterol / HDL Cholesterol Ratio) | |
| 4. Serum Creatinine | |
Note: These tests reports should be submitted together and within 30 days from the date of undergoing such Health Check-Up.
2. Affinity towards wellness:
Insured earns wellness points for undertaking any of the fitness and health related activities as given below. List of Fitness Initiatives and Wellness points:
| Initiative | Wellness Points | |
|---|---|---|
| a. | Participating in Walkathon, Marathon, Cyclothon and similar activities | 100 |
| – On submission of BIB Number along with the details of the entry ticket taken to 100 participate in the event. | ||
| b. | Membership in a health club (for 1 year or more) – In a Gym / Yoga Centre / Zumba Classes / Aerobic Exercise/ Sports Club/ Pilates Classes/ Swimming / Tai Chi/ Martial Arts / Gymnastics/ Dance Classes | 100 |
| Note: | In case if Insured is not a member of any health club, he/she should join into club within 3 months from the date of the policy risk commencement date. Insured person should submit the health club membership. | |
3. Stay Active:
Insured earns wellness points on achieving the step count target on star mobile application as mentioned below:
| Average number of steps per day in a policy year | Wellness Points |
|---|---|
| If the average number of steps per day in a policy year are between – 5000 and 7999 | 100 |
| If the average number of steps per day in a policy year are between – 8000 and 9999 | 150 |
| If the average number of steps per day in a policy year are – 10000 and above | 200 |
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Note:
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4. (a) Weight Management Program:
- This Program will help the Insured persons with Over Weight and Obesity to manage their Body Mass Index (BMI) through the empanelled wellness experts who will guide the Insured in losing excess weight and maintain their BMI.
- On acceptance of the Weight Management Program, Insured earns 50 wellness points.
- An additional 50 wellness points will be awarded in case if the results are achieved and maintained as mentioned below.
| Sr. No. | Name of the Ailment | Values to be submitted | Criteria to get the Wellness points |
|---|---|---|---|
| 1. | Obesity (If BMI is above 29) | Height & Weight (to calculate BMI) | Achieving and maintaining the BMI between 18 and 29 |
| 2. | Overweight (If BMI is between 25 and 29) | Height & Weight (to calculate BMI) | Reducing BMI by two points and maintaining the same BMI in the policy year |
| – Values (for BMI) shall be submitted for every 2 months (up to 5 times in each policy year) | |||
(b) Incase if the Insured is not Overweight / Obese, the Insured can submit his/her Fitness Success Story with us, on how the Insured Started / Improved /Maintaining his/her “Active/Healthy Life Style” through adoption of Star Wellness Activities. On submission of the Fitness Success Story through adoption of Star Wellness Activities, Insured earns 50 wellness points.
5. (a). Chronic Condition Management Program:
This Program will help the Insured suffering from Diabetes, Hypertension, Cardiovascular Disease or Asthma to track their health through the empanelled wellness experts who will guide the insured in maintaining/ improving the health condition.
- On acceptance of the Chronic Condition Management Program, Insured earns 100 wellness points
- The Insured has to submit the test result values for every 3 months maximum up to 3 times in a policy year
- If the test result values are within +/- 10% range of the values given below, for at least 2 times in a policy year, an additional 150 wellness points will be awarded.
- These tests reports to be submitted within 1 month from the date of undergoing the Health Check-Up
| Sr. No. | Name of the Ailment | Test to be submitted | Values Criteria to get the additional Wellness points |
|---|---|---|---|
| 1. | Diabetes(Insured can submit either HbA1c test value (or) Fasting Blood Sugar (FBS) Range and Postprandial test value) | HbA1c | ≤ 6.5 |
| Fasting Blood Sugar (FBS) Range and Postprandial test value | 100 to 125 mg/dl below 160 mg/dl | ||
| 2. | Hypertension | Measured with – BP apparatus | Systolic Range – 110 to 140 mmHg Diastolic Range – 70 to 90 mmHg |
| 3. | Cardiovascular Disease | LDL Cholesterol and Total Cholesterol / HDL Cholesterol Ratio | 100 to 159 mg/dl ≤ 4.0 |
| 4. | Asthma | PFT (Pulmonary Function Test) | FEV1 (PFC) is 75% or moreFEV1/ FVC is 70% or more |
(b). In case if the Insured is not suffering from Chronic Condition/s (Diabetes, Hypertension, Cardiovascular Disease or Asthma) he/she can opt for “De-Stress & Mind Body Healing Program”. This program helps the Insured to reduce stress caused due to internal (self-generated) & external factors and increases the ability to handle stress.
- On acceptance of De-stress & Mind Body Healing Program Insured earns 50 wellness points.
- On completion of De-stress & Mind Body Healing Program Insured earns an additional 75wellness points.
Note: This is a 10 weeks program which insured needs to complete without any break.
6. Virtual Consultation Service:
‘Medical Consultation’ is available through our in-house Medical Practitioners/Empanelled Service providers round the clock to the insured through an online portal, mobile application as a chat service, voice call or a call back service. Consultations including on ‘Diet & Nutrition’ and ‘Second Medical Opinion’ is available.
7. Medical Concierge Services:
The Insured can also contact Star Health to avail the following services:
- Emergency assistance information such as nearest ambulance / hospital / blood bank etc.
8. Period & Fertility Tracker:
The online easy tracking program helps every woman with their period health and fertility care. The program gives access to trackers for period and ovulation which maps out cycles for months. This helps in planning for conception prevention and tracks peak ovulation if planning pregnancy.
9. Digital Health Vault:
A secured Personal Health records system for Insured to store/access and share health data with trusted recipients. Using this portal, Insured can store their health documents (prescriptions, lab reports, discharge summaries etc.), track health data add family members.
10. Wellness Content:
The wellness portal provides rich collection of health articles, blogs, tips and other health and wellness content. The contents have been written by experts drawn from various fields. Insured will benefit from having one single and reliable source for learning about various health aspects and incorporating positive health changes.
11. Health Quiz & Gamification:
- The wellness portal provides a host of Health & Wellness Quizzes. The wellness quizzes are geared towards helping the Insured to be more aware of various health choices.
- Gamification helps in creating fun and engaging health & wellness experiences. It helps to create a sense of achievement in users and increases motivation levels.
12. Post Operative Care:
It is done through follow up phone calls (primarily for surgical cases) for resolving their medical queries.
13. Discounts from Network Providers:
The Insured can avail discounts on the services offered by our ` network providers which will be displayed in our website.
Terms and conditions under wellness activity
- Any information provided by the Insured in this regard shall be kept confidential.
- There will not be any cash redemption against the wellness reward points.
- Insured should notify and submit relevant documents, reports, receipts etc for various wellness activities within 1 month of undertaking such activity/test.
- No activity, report, document, receipt can be submitted in the last month of each policy year.
- For services that are provided through empanelled service provider, Star Health is only acting as a facilitator; hence would not be liable for any incremental costs or the services.
- All medical services are being provided by empanelled health care service provider. We ensure full due diligence before empanelment. However Insured should consult his/her doctor before availing/taking the medical advices/services. The decision to utilize these advices/services is solely at Insured person’s discretion.
- We reserve the right to remove the wellness reward points if found to be achieved in unfair manner.
- Star Health, its group entities, or affiliates, their respective directors, officers, employees, agents, vendors, are not responsible or liable for, anyactions, claims, demands, losses, damages, costs, charges and expenses which a Member claims to have suffered, sustained or incurred, by way ofand / or on account of the Wellness Program.
- Services offered are subject to guidelines issued by IRDA from time to time.
ILLUSTRATION OF BENEFITS:
Lets look how the Insured can avail discount on premium through the “Star Wellness Program”
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Scenario – 1
A 24 year old Individual Ramesh buys Young Star Insurance Policy on 15th July, 2019 with Sum Insured of 25 Lacs, let’s understand how he can earn Wellness Points by doing different wellness activities. Ramesh has declared that his Body Mass Index (BMI) as 25. Ramesh enrolled under the Star Wellness Program and completed the following wellness activities. |
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|---|---|---|
| Sr.No | Name of the wellness activity taken up during the policy year | Wellness Points Earned |
| 1 | Completed Online Health Risk Assessment (HRA) | 50 |
| 2 | Submitted Health Check-Up Report (two test results are not within normal values) | 100 |
| 3 | Participated in Walkathon | 100 |
| 4 | Attended to o Yoga Classes | 100 |
| 5 | Achieved 10,000 average number of steps per day during the policy year | 200 |
| 6 | Ramesh accepted the Weight management program and reached 23 BMI | 100 |
| 7 | Ramesh has completed De-stress & Mind Body Healing Program | 125 |
| Total Number of Wellness Points earned | 825 | |
| Based on the number of Wellness Points earned Ramesh is eligible to get 10% discount on renewal premium. | ||
ILLUSTRATION OF BENEFITS:
Lets look how the Insured can avail discount on premium through the “Star Wellness Program”
Scenario – 2 A 26 year old Individual Suresh and his wife Lakshmi aged 25 years buy Young Star Insurance Policy (Floater Sum Insured) on 10 th, July,2019 with sum insured of 50 Lacs, let’s understand how they can earn Wellness Points under the Floater Policy. Suresh has declared his Body Mass Index (BMI) as 26 & Lakshmi has declared her BMI as 25. Suresh and Lakshmi enrolled under the Star wellness program and completed the following wellness activities. |
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|---|---|---|---|
| Sr.No | Name of the wellness activity taken up during the policy year | Wellness Points Earned by Suresh | Wellness Points Earned by Lakshmi |
| 1 | Completed Online Health Risk Assessment (HRA) | 50 | 50 |
| 2 | Submitted Health Check-Up Report | 200 | 200 |
| 3 | Participation in Marathon | 100 | 0 |
| 4 | Attended to Aerobic Exercise | 100 | 100 |
| 5 | On achieving the step count target | 200 | 150 |
| 6 | Suresh accepted the Weight management program and reached 24 BMI Lakshmi accepted the Weight management program and reached 23 BMI | 100 | 100 |
| 7 | Suresh & Lakshmi has completed De-stress & Mind Body Healing Program | 125 | 125 |
| Total Number of Wellness Points earned | 875 | 825 | |
| No of wellness points based upon weightage – 1:1 | 437 (875X1/2) |
412 (825X1/2) |
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Total Number of Wellness Points earned by Suresh and Lakshmi = 849 (437+412) Based on the no of Wellness Points earned, Suresh & Lakshmi are eligible to get 10% discount on renewal premium |
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ILLUSTRATION OF BENEFITS:
Lets look how the Insured can avail discount on premium through the “Star Wellness Program”
|
Scenario –3
A 35 year old Individual Umesh buys Young Star Insurance Policy for two year period, with Sum Insured of 1Crore, let’s understand how he can earn Wellness Points by doing different wellness activities. He is suffering from Hypertension. Umesh enrolled under the Star Wellness Program and completed the following wellness activities. |
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|---|---|---|---|
| Sr.No | Name of the wellness activity taken up during the policy year | Wellness Points Earned in the First Year | Wellness Points Earned in the Second Year |
| 1 | Completed Online Health Risk Assessment (HRA) | 50 | 50 |
| 2 | Submitted Health Check-Up Report | 200 | 200 |
| 3 | Participated in Walkathon | 100 | 100 |
| 4 | Attended to Yoga Classes | 100 | 100 |
| 5 | Achieved 10,000 average number of steps per day during the policy year | 200 | 200 |
| 6 | Submitted his fitness success story | 50 | 50 |
| 7 | Completed De-stress & Mind Body Healing Program | 125 | 125 |
| Total Number of Wellness Points earned | 950 | 850 | |
Total Number of Wellness Points earned by Umesh = 1800 (950+850) Calculation of Wellness Points as per two year policy condition = 900 (500+388) |
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| Based on the number of Wellness Points earned, Umesh is eligible to get 10% discount on renewal premium | |||
Waiting Period
1. For Pre-Existing Diseases – 12 months
2. For Specific Diseases/Procedures – 12 months
3. Initial Waiting Period – 30 days (Except for Accidents)
Modern Treatments
Coverage for Modern Treatments please click here.
Premium Illustration
Benefit/Premium illustration for Individual and Floater basis please click here.
Free Look Period
At the time of inception of the policy, the Insured will be allowed a period of 30 days from the date of receipt of the policy to review the terms and conditions of the policy and to return the policy if not acceptable. In such a case, the premium refund shall be as follows :
If the Insured has not made any claim during the free look period, the Insured shall be entitled to –
1. a refund of the premium paid less any expenses incurred by the Insurer on medical examination of the insured persons and the stamp duty charges or
2. where the risk has already commenced and the option of return of the policy is exercised by the policy holder, a deduction towards the proportionate risk premium for period on cover or
3. where only a part of the insurance coverage has commenced , such proportionate premium commensurate with the insurance coverage during such period.
Free look period shall not be applicable at the time of renewal
