Young Star Gold Plan

Young Star Gold Plan is specifically designed for individuals aged between 18 and 40 years and wanting financial protection from medical emergencies. Let’s look at the key features of this health insurance plan before understanding them further!

1. Family Floater option
2. No capping on room rent allowances
3. Additional sum insured for a road traffic accident
4. Midterm inclusion facility
5. Delivery expenses & hospital cash benefit
6. Discount in renewal premiums through a wellness program
7. Loyalty Discounts
8. Automatic restoration facility
9. Health checkup cost
10. No pre-acceptance medical screening
11. Tax benefits on premium payment
12. 15-days free look period

To understand the Young Star Gold Plan better, we will be discussing these features in detail on this page. Apart from this, we will also be talking about its policy term, the sum insured, premium amount, etc. Want to know them? Well, keep reading!

Sum Insured Options under the Young Star Gold Plan

One of the most important things that you should know is that this policy is available both on an individual and floater basis. The sum insured depends on the plan chosen by you. On choosing it on an individual basis, you will only have one option of INR 3 lakh as the sum insured amount. Family floater basis, in contrast, gives you multiple options of INR 5 lakh, INR 10 lakh, INR 15 lakh, INR 20 lakh, INR 25 lakh, INR 50 lakh, INR 75 lakh and INR 1 crore. The overall sum insured will float amongst the insured persons when you choose the policy on a family floater basis.

What are the Policy Term Options?

Under the Young Star Gold Plan, individuals can choose the policy term from — 1 year, 2 years and 3 years – according to your convenience. However, the basic sum insured will be for each year, and you will not be able to carry over the benefits to your next policy term.

What is the Minimum Premium Amount towards the Young Star Gold Plan?

When we talk about the premium amount, it depends on factors such as the chosen sum insured option, the age of the individual, and the policy term. The minimum premium amount stands at INR 4,405 per year for individuals between 18 to 30 years for the sum insured of INR 3 lakh. Young Star Gold Plan also provides the installment facility for premium payment where you can pay the premium on a monthly, quarterly or half-yearly basis. You can also pay the premium once in two or three years.

Let’s Understand Young Star Gold Plan Benefits in Detail

Choosing a Young Star Gold Plan could be the way to enjoy continuous protection throughout your life. If you don’t want a medical emergency to ruin your hard-earned savings, you should choose this health insurance plan from Star Health. Let’s see some of the benefits of this Star Health plan so that you can make the right decision!

1. Coverage of all daycare procedures
2. Room rent ( Single private AC room), boarding & nursing expenses coverage
3. Coverage for fees of Surgeon, Anaesthetist, Medical Practitioner, Consultants and Specialists
4. Coverage of expenses towards blood, oxygen, ICU charges, special appliances, diagnostic materials, Chemotherapy, etc.
5. Emergency Road Ambulance coverage
6. 60 days before hospitalization and 90 days after discharge expenses coverage
7. E-medical opinion coverage
8. Coverage for modern treatments
9. Additional basic sum insured for road traffic incident resulting in in-patient hospitalization up to 25% of the original basic sum insured with a maximum of INR 10,00,000 (once during the policy period)

Maternity and Delivery Expenses

Young Star Gold Plan can also help you manage maternity and delivery expenses seamlessly by providing a sum of up to INR 30,000 per delivery for delivery including delivery Caesarean section. This will include both pre and post-natal expenses. Do remember that you can enjoy this benefit for a maximum of 2 deliveries during the lifetime.

Hospital Cash Benefit

With this plan, you will also receive a hospital cash benefit of INR 1,000 for each completed hospitalization day up to 7 days per hospitalization. Also, you should note that this benefit will be given for a maximum of 14 days per policy period. After this period, you will need to bear the expenses on your own.

Cost of Health Checkup

As we mentioned earlier that this policy will also cover expenses towards the cost of health checkups when done at one of the Star network hospitals. However, the coverage will be up to a limit that will depend on the sum insured option. To know more, you can check the below table.

Young Star Gold Plan Eligibility Criteria

Check the eligibility criteria of the Star Gold plan below before choosing the same.

1. The entry age for adults can range between 18 to 40 years, while dependent children between 91 days to 25 years can also enjoy coverage only on a floater basis policy.
2. The policy also provides lifelong renewability