Star Health Assure
Star Health · health insurance
“Why waste time say lot word, when few word do trick?”
Star's newer family plan, with unlimited restoration and 180-day post-hospitalisation cover. Buy Rs 10 lakh or more: below that the 1% room-rent cap makes it a weaker deal.
- Not scored yet
- Pricing band: Quote-based (age, city and cover)
- Best for: families
Key facts
- Score
- Not scored yet
- Pricing
- Quote-based (age, city and cover)
- Best for
- families
Plan details from the policy wording
Product UIN SHAHLIP26048V032526. Checked on 2026-10-18.
| Sum insured options | Rs 5L, 7.5L, 10L, 15L, 20L, 25L, 50L, 75L, 1Cr, 2Cr (the prospectus restricts availability of 75L and above) |
|---|---|
| Entry age | Floater: adults 18 to 75 years, children 16 days to 25 years. Individual: 91 days to 75 years |
| Room rent | Up to 1% of sum insured a day at Rs 5L and 7.5L; any room except suite or above at Rs 10L to 25L; any room at Rs 50L and above |
| Co-payment | 10% on every claim if you join at 61 or older |
| Pre-existing disease wait | 36 months |
| Initial waiting period | 30 days |
| Specific illness wait | 24 months |
| Restoration / reset | Unlimited automatic restoration, up to 100% of sum insured each time |
| No-claim / cumulative bonus | Cumulative bonus 25% of sum insured a year, up to 100%; a partial claim does not reduce it |
| Pre / post hospitalisation | 60 days before / 180 days after |
| Day care | All day care treatments |
| AYUSH | Covered up to sum insured |
| Notable optional add-ons | Deductible option |
Sources
Insurers revise wordings. The policy wording issued with your policy is what counts, so check it before you buy.
Detailed review
Pros
- Unlimited restoration of sum insured in a policy year
- 180-day post-hospitalisation window
- Entry allowed up to age 75
Cons
- Room rent is capped at 1% of sum insured a day at Rs 5 lakh and 7.5 lakh cover
- 10% co-pay on every claim if you join at 61 or older
- 36-month pre-existing disease wait
Our verdict
tldr.money editorial score: Not scored yet
Star's newer family plan, with unlimited restoration and 180-day post-hospitalisation cover. Buy Rs 10 lakh or more: below that the 1% room-rent cap makes it a weaker deal.
This is our editorial assessment, not a customer rating, and we do not publish testimonials. See how we score.
Alternatives to compare
| Criteria | Star Health Assure | Star Comprehensive | Star Health Young Star |
|---|---|---|---|
| Score | Not scored yet | 7.7/10 | Not scored yet |
| Pricing | Quote-based (age, city and cover) | Rs 15k-30k | Quote-based (age, city and cover) |
Swipe horizontally on mobile to compare.
FAQ
Does Star Health Assure have a room-rent limit?
Up to 1% of sum insured a day at Rs 5L and 7.5L; any room except suite or above at Rs 10L to 25L; any room at Rs 50L and above. Source: Star Health Assure Insurance Policy prospectus, UIN SHAHLIP26048V032526.
What are the waiting periods in Star Health Assure?
Initial: 30 days. Pre-existing diseases: 36 months. Specific illnesses: 24 months.
Is there a co-payment in Star Health Assure?
10% on every claim if you join at 61 or older
Get practical updates
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