Star Health Insurance — ALL Plans Compared (Incl. Latest Super Star Plan 2025) – FREE PDF for complete comparison download link at end of blog post
A neutral, easy-to-understand breakdown of all 8 Star Health policies — video in Hindi + detailed tables (readable on desktop & mobile). Watch the video below, then use the tables for quick on-page comparisons.
⚠️ Disclaimer (Important)
This content is provided for information and educational purposes only.
The details, features, and comparisons of Star Health Insurance plans shown here are based on publicly available data and product brochures at the time of preparation.
Insurance terms, benefits, premiums, and eligibility conditions are subject to change by the insurer without prior notice.I am not a licensed insurance or financial advisor, and this post or video should not be considered professional advice.
Before purchasing or renewing any health insurance policy, please consult a qualified and IRDAI-registered insurance advisor or legal expert in India to understand your personal needs and policy suitability.While all efforts have been made to keep the information accurate and up to date, I do not take responsibility for any errors, omissions, or discrepancies.
Viewers and readers are strongly advised to verify all details independently from the official Star Health website, policy brochure, or an authorized representative before making any buying decision.
Why this comparison?
Star Health has expanded its product range and launched the new Super Star (2025) plan — a highly customizable, tech-forward product. This page gives you everything the video covers plus full-size tables that are too dense to display clearly on-screen. Use this page to find the plan that matches your needs (family, women, senior citizens, or young professionals).
🏥 Star Health Policy Comparison Summary (Neutral Overview — Updated 2025)
| Policy Name | Type of Cover | Entry Age | Co-payment | Policy Term | Medical Screening | Pricing | Special Benefits / Highlights |
|---|---|---|---|---|---|---|---|
| Family Health Optima (FHO) | Floater (up to 6 Adults + 3 Children) | Adults: 18–65 yrs Children: 16 days–25 yrs | 20% if age >60 yrs or without medicals | 1 Year | Required above 50 yrs / high SI | Zone-based pricing | Basic family floater; simple & affordable |
| Star Comprehensive (CHI) | Individual / Floater (2 Adults + 3 Children) | Adults: 18–65 yrs Children: 91 days–25 yrs | 10% if age >60 yrs | 1, 2, or 3 Years | Not required | Based on age & Sum Insured | PED Buy-back; Maternity & Newborn cover (varies by variant) |
| Young Star (YS) | Individual / Floater (2 Adults + 3 Children) | Adults: 18–40 yrs Children: 91 days–25 yrs | Not applicable | 1, 2, or 3 Years | Not required | Based on age & Sum Insured | Gold variant includes Maternity & Hospital Cash |
| Senior Citizen Red Carpet (SCRC) | Individual / Floater | 60–75 yrs | 30% for all claims | 1, 2, or 3 Years | Not required | Based on Sum Insured (not age) | No medicals; simple entry for seniors |
| Women Care (WC) | Individual (Females only) / Floater | Adults: 18–75 yrs Children: 91 days–25 yrs | Not applicable | 1, 2, or 3 Years | Not required | Based on age & Sum Insured | Maternity & newborn cover in select variants; female-specific benefits |
| Star Health Premier (SHP) | Individual / Floater | 50–75 yrs | 20% on certain claims | 1, 2, or 3 Years | Not required | Zone-based pricing | Designed for 50+; mid-range coverage |
| Star Health Assure (SHA) | Individual / Floater (up to 6 Adults + 3 Children) | Adults: 18–75 yrs Children: 91 days–18/25 yrs | 10% for new policies (1st year) (varies) | 1, 2, or 3 Years | Not required | Zone-based pricing | Deductible option; flexible & modern |
| Super Star (NEW) | Individual / Floater / Multi-Individual | Adults: 18 yrs – Any age Children: 91 days–25 yrs | Optional co-pay (10–50%) or deductible options (varies) | 1–5 Years (long-term discounts available) | Not required | Zone pricing + long-term discounts; wellness discounts | Freeze Your Age; 100% automatic restoration; cumulative bonus; AI health scan & teleconsult; optional maternity & newborn covers; many add-ons |
🤰 Star Health Policies with Maternity Benefits (2025 Overview — Updated)
| Policy Name | Maternity Coverage | Waiting Period | Extra Notes / Highlights |
|---|---|---|---|
| Women Care (WC) | ✅ Available | ~24 months (2 years) | Designed for women; normal & C-section delivery; select variants include newborn cover and female-specific illness benefits. |
| Star Comprehensive (CHI) | ✅ Available | ~36 months (3 years) | Comprehensive plan includes maternity, newborn baby cover and vaccination benefits (variant dependent). |
| Young Star (Gold) | ✅ Available (Gold variant only) | ~24 months (2 years) | Young Star Gold includes maternity; Silver typically does not. |
| Star Health Assure (SHA) | ⚙️ Optional / Add-on in select variants | 24–36 months (varies) | Basic Assure may not include; some add-ons allow maternity coverage. |
| Super Star (NEW) | ✅ Available (Optional covers) | 12–24 months depending on option chosen | Delivery expenses limits (example): ₹50,000–₹1,00,000 per delivery; newborn hospitalization and congenital defects cover available as options. |
| Family Health Optima (FHO) | ❌ Not available | — | Basic family floater — no maternity cover. |
| Senior Citizen Red Carpet (SCRC) | ❌ Not applicable | — | Senior-only plan — maternity not applicable. |
| Star Health Premier (SHP) | ❌ Not available | — | 50+ targeted plan — no maternity. |
🔎 Super Star — Key Clauses & Short Hindi Text (Policy Snippets)
Short co-payment clause (Hindi):
📌 Quick Buying Guide (Neutral Recommendations)
Families: Family Health Optima, Star Health Assure or Super Star (if you want high customization).
Young couples & professionals: Young Star (Gold for maternity) or Star Comprehensive.
Women: Women Care for women-specific benefits (or Super Star for broader optional covers).
Seniors: Senior Citizen Red Carpet or Star Health Premier.
⚠️ Important — Before You Buy
- Check the exact Sum Insured, waiting periods, specific limits (maternity, room rent, ICU), and exclusions in the policy wordings.
- Some benefits are variant-specific or optional add-ons — the above tables summarize common/default options but may not show every variant.
- If you have pre-existing conditions, ask about PED waiting period and PED Buy-Back options on Star Comprehensive or other plans.
🔗 Helpful Links & Contact
Get an instant quote / compare plans here (affiliate): https://trekbook.in/star
Affiliate Disclosure: This link is an affiliate link. I may earn a small commission if you get a quote or purchase through this link, at no extra cost to you. The review and comparisons above are neutral and based on product features; the affiliate link helps support this channel and website.
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