Star Young Star review: what the policy wording says
Young Star (UIN SHAHLIP26043V062526) waits only 12 months for pre-existing diseases and 12 months for listed illnesses, much shorter than most plans. It pays for a single private AC room, adds 20% of the base sum insured for each claim-free year up to 100%, restores cover once a year, and has no co-payment. Delivery is covered only on the Gold plan, up to ₹30,000, after 36 months.
Silver vs Gold
| Silver | Gold |
|---|
| Delivery | Not covered | Up to ₹30,000 a delivery, 2 deliveries in a lifetime, after 36 months |
|---|
| Hospital cash | Not covered | Daily cash for a limited number of days |
|---|
| Everything else | Same wording | Same wording |
|---|
Key limits
| Item | What the wording says |
|---|
| Room | Single private AC room. A higher room means the related bill is paid in proportion. |
|---|
| ICU | No separate limit. |
|---|
| Co-payment | None. |
|---|
| Before and after a hospital stay | 60 days and 90 days. |
|---|
| Bonus | 20% of the base sum insured a year, up to 100%. A claim reduces it at the same rate. |
|---|
| Restoration | Once a year, 100% of base cover, for all claims. Not for modern treatments. |
|---|
| Modern treatments | Covered with caps that depend on the sum insured. |
|---|
Waiting periods
| Waiting period | What the wording says |
|---|
| Any illness after you first buy | 30 days. Accidents are covered from day 1. |
|---|
| Pre-existing diseases | 12 months. |
|---|
| Listed illnesses and surgeries | 12 months. |
|---|
| Delivery (Gold) | 36 months. |
|---|
Frequently asked questions
What is the pre-existing disease waiting period in Star Young Star?
12 months of continuous cover. Listed illnesses also wait 12 months.
What is the difference between Young Star Silver and Gold?
Gold adds delivery cover of up to ₹30,000 after a 36-month wait, and a hospital cash benefit. The rest of the wording is the same.
Is there a co-payment in Young Star?
No. The wording has no co-payment clause.
Compare these plans clause by clause
Where this comes from
- Star Young Star Insurance Policy wording, UIN SHAHLIP26043V062526. Clauses Section 1 in-patient, Automatic Restoration, Cumulative Bonus, Gold Plan delivery and hospital cash, Excl01, Excl02.
Checked against the wording on 2026-10-09.
Terms on this page, explained
Related
All plans