Star Health Young Star
Star Health · health insurance
“Why waste time say lot word, when few word do trick?”
Built for buyers under 40: short 12-month waits, a single private room and optional maternity in the Gold plan. The brochure does not state co-pay or initial-wait terms, so read the policy wording before buying.
- Not scored yet
- Pricing band: Quote-based (age, city and cover)
- Best for: young-professionals
Key facts
- Score
- Not scored yet
- Pricing
- Quote-based (age, city and cover)
- Best for
- young-professionals
Plan details from the policy wording
Product UIN SHAHLIP26043V062526. Checked on 2026-10-18. Fields marked “Not yet verified” were not in the documents we reviewed.
| Sum insured options | Rs 5L, 7.5L, 10L, 15L, 20L, 25L, 50L, 75L, 1Cr |
|---|---|
| Entry age | Adults 18 to 40 years; dependent children 91 days to 25 years (floater) |
| Room rent | Single private AC room |
| Co-payment | Not yet verified |
| Pre-existing disease wait | 12 months |
| Initial waiting period | Not yet verified |
| Specific illness wait | 12 months |
| Restoration / reset | Automatic restoration of 100% of basic sum insured, once a policy year (not for modern treatments) |
| No-claim / cumulative bonus | Cumulative bonus 20% of sum insured per claim-free year, up to 100% |
| Pre / post hospitalisation | 60 days before / 90 days after |
| Day care | All day care procedures, up to sum insured |
| AYUSH | Covered up to sum insured |
| Notable optional add-ons | Gold plan only: delivery cover up to Rs 30,000 per delivery (36-month wait) and Rs 1,000 a day hospital cash |
Sources
Insurers revise wordings. The policy wording issued with your policy is what counts, so check it before you buy.
Detailed review
Pros
- Pre-existing disease and specific illness waits are only 12 months
- Single private AC room covered
- Gold plan includes maternity cover, rare in a plan for young buyers
Cons
- You must join by age 40
- Post-hospitalisation cover is 90 days
- Maternity is capped at Rs 30,000 per delivery after a 36-month wait
Our verdict
tldr.money editorial score: Not scored yet
Built for buyers under 40: short 12-month waits, a single private room and optional maternity in the Gold plan. The brochure does not state co-pay or initial-wait terms, so read the policy wording before buying.
This is our editorial assessment, not a customer rating, and we do not publish testimonials.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 Young Star | Star Comprehensive | Star Health Assure |
|---|---|---|---|
| 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) |
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FAQ
Does Star Health Young Star have a room-rent limit?
Single private AC room. Source: Young Star Insurance Policy brochure, UIN SHAHLIP26043V062526.
What are the waiting periods in Star Health Young Star?
Pre-existing diseases: 12 months. Specific illnesses: 12 months.
Is there a co-payment in Star Health Young Star?
We have not yet verified this from the policy wording.
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