The Super Star Health Insurance Plan is a well-rounded, adaptable health insurance policy designed to meet the evolving needs of individuals and families. Star Health and Allied Insurance Co. Ltd., India’s pioneering standalone health insurer, offers this plan with a range of features and add-ons, ensuring comprehensive protection for all stages of life. Here’s a breakdown of the plan’s key offerings and why it could be the ideal choice for those seeking robust health coverage.

Key Features of the Super Star Plan

1. Automatic Restoration of Sum Insured
   • This feature ensures that the sum insured is automatically reinstated up to 100% after it is used, with no limit on the number of restorations. This makes the plan especially valuable for families or individuals with multiple claims in a policy year.
2. Age Freeze Benefit
   • With the “Freeze Your Age” feature, policyholders lock in their age at the time of purchasing the policy. This age-based premium remains constant until a claim is made, enabling long-term savings on premiums as the insured ages.
3. Room Flexibility and Extensive Hospital Network
   • The plan offers unrestricted access to any room type in network hospitals across India, allowing policyholders to choose a room that best suits their needs without incurring additional costs.

In-Built Benefits

• Cumulative Bonus: For each claim-free year, the plan provides a cumulative bonus amounting to 50% of the sum insured, up to a maximum of 100%.
• Home Care and Domiciliary Hospitalization: Provides coverage for home-based treatment for specific conditions when hospital care is not possible, a helpful benefit for patients with limited mobility or in remote areas.
• Dental Coverage: Dental consultations, X-rays, and cleanings are covered from the second policy year onward, adding extra value for families.

Comprehensive Hospitalization Coverage

The Super Star plan covers a wide array of hospitalization-related expenses, including:

• In-Patient Treatments: Coverage includes all hospital-related expenses like room rent, ICU charges, doctor’s fees, surgical appliances, and advanced medical treatments.
• Day Care Procedures: All day care procedures that do not require overnight hospitalization are covered, providing added flexibility for minor but necessary treatments.
• Organ Donor Expenses: Costs related to organ donation, including complications post-donation, are covered under this plan.
• Modern Treatments: Advanced medical treatments such as oral chemotherapy, robotic surgeries, and stem cell therapy for bone marrow transplants are also included, demonstrating the plan’s alignment with modern healthcare needs.

Additional Benefits

• Tele-Consultations and AI-Driven Health Monitoring: Policyholders can access unlimited tele-consultations through the Star Health app. The plan also offers an AI-driven face scan to monitor vital parameters like heart rate and oxygen saturation twice a month.
• Air and Road Ambulance Coverage: For emergencies, air ambulance reimbursement up to ₹5,00,000 per year and road ambulance expenses are covered, ensuring prompt transportation in critical situations.

Wellness and Rewards Program

The STAR Wellness Program allows policyholders to earn wellness points through various health and wellness activities via the Star Health app. These points can be redeemed for up to a 20% discount on renewal premiums, promoting a proactive approach to health.

Optional Add-Ons

The Super Star plan offers numerous add-ons to customize coverage based on specific needs, including:

• Newborn and Delivery Cover: Covers delivery expenses and newborn medical needs from day one, with options to enhance limits.
• Accidental Death and Disability Coverage: Options for accidental death and disability benefits with worldwide geographical scope.
• Reduced Waiting Period for Pre-Existing Diseases (PED): This optional cover reduces the PED waiting period to as low as 12 months for conditions like diabetes and hypertension.
• Daily Cash Benefit: Offers a daily hospital cash benefit of ₹1,000 to ₹5,000, with options for up to 180 days of hospitalization.

Discounts and Incentives

The Super Star plan offers attractive discounts, including:

• Long-Term Policy Discounts: Discounts on premiums for policy terms of 2 to 5 years, with savings of up to 16%.
• Lifestyle Discounts: Up to 10% off based on lifestyle-related health questionnaires.
• Early Renewal Discounts: Policyholders renewing 30 days before the due date are eligible for early renewal discounts.