Your health is your greatest asset. Whether you are starting your professional career, planning your future with your spouse or building a family, having the right health insurance protection is an important financial decision.

Star Health Young Star Neo is designed for the next generation of health insurance customers who want more than just hospitalisation coverage. It combines comprehensive medical protection, innovative age-related benefits, wellness rewards and optional healthcare services.

With flexible sum insured choices, unlimited restoration and future-focused features, Young Star Neo helps young individuals and families prepare for unexpected medical expenses while encouraging a healthier lifestyle.

What Makes Star Health Young Star Neo Special?

1. Freeze Your Age – Enjoy the Advantage of Starting Early

One of the attractive features of Young Star Neo is Freeze Your Age.

When you purchase the policy at a younger age, the age considered for premium calculation remains frozen at your entry age until the first admissible claim or the specified age limit, whichever is earlier, subject to policy terms.

This feature can help eligible customers retain the advantage of starting health insurance early.

2. Time Travel – An Innovative Premium Advantage

Young Star Neo introduces an interesting feature called Time Travel.

After the first admissible claim, the age considered for premium calculation is reset to Entry Age plus one year instead of immediately moving to the attained age, subject to the applicable policy conditions.

For example:

If you purchase the policy at age 28 and your first admissible claim occurs at age 35, the premium calculation age can reset to 29 instead of 36.

This feature is designed to provide an additional advantage to customers who start their health insurance journey early.

3. Unlimited Restoration of Sum Insured

Medical emergencies can happen more than once in a year.

Young Star Neo offers unlimited automatic restoration of the sum insured following partial or complete utilisation, helping provide additional coverage for subsequent eligible hospitalisation claims during the policy year.

4. Flexible Sum Insured Options

Choose health insurance coverage according to your needs and financial goals.

Available sum insured options include:

• ₹10 Lakh
• ₹25 Lakh
• ₹50 Lakh
• ₹1 Crore
• Unlimited Sum Insured

The unlimited option is designed for customers who want a higher level of financial protection against eligible medical expenses.

5. Single Private A/C Room

Enjoy the privacy and comfort of a Single Private A/C Room during eligible hospitalisation, subject to policy terms.

6. Comprehensive Hospitalisation Coverage

The policy provides coverage for eligible medical expenses associated with:

• In-patient hospitalisation.
• Day-care procedures.
• Modern medical treatments.
• AYUSH treatments.
• Eligible pre-hospitalisation expenses up to 90 days.
• Eligible post-hospitalisation expenses up to 180 days.

7. Future Shield – Protection for Growing Families

Planning to get married or add your spouse to your health insurance policy?

The Future Shield feature allows eligible waiting periods completed by the existing insured person to be extended to a subsequently added spouse, subject to eligibility and policy conditions.

This can be particularly useful for young individuals planning their future family protection.

8. Star THRIVE – Get Rewarded for Healthy Living

Healthy habits deserve recognition!

Through the Star THRIVE wellness programme, eligible insured persons can earn up to 18,000 THRIVE Coins in a policy year by participating in specified health, fitness and wellness activities.

Eligible coins can be redeemed for:

• Health services.
• OPD services.
• Wellness marketplace benefits.
• Renewal premium savings.

The programme encourages policyholders to make health and fitness an integral part of everyday life.

9. Stay Fit – Fitness Benefits

Stay active with access to network gyms and fitness studios up to three times per week at select locations, subject to programme conditions.

10. E-Connect and Healthcare Support

Young Star Neo offers value-added healthcare services, including:

• Virtual fitness sessions.
• Nutritionist consultations.
• International second medical opinions, up to the specified limit.
• Domestic second medical opinions.
• Unlimited tele-consultations through the Star Health App.
• In-clinic consultations, subject to applicable limits.
• Dental check-up and cleaning benefits during eligible policy years.

Customise Your Health Insurance with Optional Covers

Young Star Neo offers additional protection through optional covers available on payment of additional premiums.

Some options include:

Star OPD Premier: Enhanced outpatient healthcare benefits, including eligible doctor consultations, diagnostics, medicines, dental and vision care.

Maternity Expenses: Optional maternity coverage with selected benefit limits and applicable waiting periods.

Comprehensive Consumables Cover: Coverage for eligible consumables and non-medical expenses as specified in the policy.

Limitless Loyalty Bonus: Additional sum insured at renewal through the optional cover, subject to conditions.

Preventive Health Check-up: Access to eligible preventive health check-up packages.

Proactive Care: Chronic disease management support for specified conditions such as diabetes, hypertension, hyperlipidemia, obesity and coronary artery disease.

Hospital Daily Cash: Daily cash allowance during eligible hospitalisation, subject to the applicable conditions and limits.

Personal Accident Cover: Additional financial protection against specified accidental events.

Other options include Mamta Women Wellness Care, voluntary deductible, voluntary co-payment and specified treatment sub-limit options.

Who Can Buy Star Health Young Star Neo?

The plan is designed for young individuals and families.

Eligibility:

• Individual policy: Adults aged 18 to 40 years.
• Family floater: Adults aged 18 to 40 years.
• Dependent children: 91 days to 25 years.
• Maximum family size under floater: 2 adults and 4 dependent children.
• Policy terms: 1 year, 2 years or 3 years.

Important Waiting Periods

Customers should understand the applicable waiting periods before purchasing the policy.

The initial waiting period does not apply to eligible accident-related claims. Certain optional covers may provide modified waiting-period benefits.

Why Should Young People Consider Health Insurance Early?

Many people postpone purchasing health insurance until they are older or develop medical conditions.

However, starting early can offer several advantages:

1. Better opportunity to obtain coverage while young and eligible.
2. Opportunity to complete applicable waiting periods earlier.
3. Access to innovative benefits such as Freeze Your Age and Time Travel.
4. Financial protection against unexpected hospitalisation expenses.
5. Opportunity to build a healthy lifestyle through wellness programmes.
6. Better preparation for future family responsibilities.

Star Health Young Star Neo – Your Future, Your Health, Your Protection!

Your dreams, career and family plans deserve financial protection.

With its combination of comprehensive hospitalisation coverage, innovative age-related benefits, unlimited restoration and wellness-focused features, Star Health Young Star Neo is an option worth exploring for young individuals and growing families.

Don't wait for a medical emergency to understand the importance of health insurance.

Start early. Choose wisely. Stay protected with Star Health Young Star Neo!

Get Expert Guidance Before You Buy

Every individual and family has different healthcare requirements. Compare the available sum insured options, premium, waiting periods, exclusions and optional benefits before making your decision.

Disclaimer: Young Star Neo is a marketing representation of benefits under the Star Super Star Insurance Policy (UIN: SHAHLIP27049V022627) and Star Flexi Add-on Cover (UIN: SHAHLIA27050V022627). It is not a separate insurance product. Benefits marked as optional are subject to additional premium, eligibility and policy conditions. Actual coverage is governed by the official policy wording and schedule. Please read all policy documents before purchasing.