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Star Health · SHAHLIP26048V032526

Star Health Assure Insurance Policy

Star Health Assure Insurance Policy (IRDAI UIN SHAHLIP26048V032526) is an individual and family floater health insurance plan with sum insured from 5 lakh to 2 crore (10 options). Pre-existing diseases are covered after 3 years.

Premiums depend on age, cover, city, health and the options you choose. Where the insurer published a premium, the figure shown is for the exact profile stated next to it; your premium will differ. Comparezi does not sell insurance or give advice: check the insurer's prospectus and policy wording, which prevail.

In short

Star Health Assure Insurance Policy is a health insurance plan from Star Health. Key specifications: plan type Individual and family floater, room rent SI Rs 5/7.5 lakh: up to 1% of SI per day; SI Rs 10-25 lakh: any room (except suite or above category); SI Rs 50 lakh and above: any room, pre-existing disease waiting 36 months. Among health insurance here it fits best for longer pre- and post-hospital cover.

Sample premium ₹10,396 a year*

*For: Individual, age band 18-35, Sum Insured Rs 10,00,000, 1-year policy, Zone A, excluding GST. Your premium will differ.

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Plan type
Individual and family floater
Room rent
SI Rs 5/7.5 lakh: up to 1% of SI per day; SI Rs 10-25 lakh: any room (except suite or above category); SI Rs 50 lakh and above: any room
Pre-existing disease waiting
36 months
Sample annual premium
₹10,396

Pros

  • No room-rent cap

Cons

  • Co-payment: 10% of each and every claim for Insured Persons whose age at entry is 61 years and above

Who should buy it

  • Best for Longer pre- and post-hospital cover · What matters most? (pick any) #10 of 53 health insurance for this

Full specifications

Cover

Plan type Individual and family floater
Sum insured options 5 lakh, 7.5 lakh, 10 lakh, 15 lakh, 20 lakh, 25 lakh, 50 lakh, 75 lakh, 1 crore, 2 crore
Highest sum insured 200 lakh
Entry age 91 days (individual); 18 years adults / 16 days dependent children (floater) to 75 years
Room rent SI Rs 5/7.5 lakh: up to 1% of SI per day; SI Rs 10-25 lakh: any room (except suite or above category); SI Rs 50 lakh and above: any room
Co-payment 10% of each and every claim for Insured Persons whose age at entry is 61 years and above

Waiting periods

Initial waiting period 30 days
Pre-existing disease waiting 36 months
Specific illness waiting 24 months

Benefits

Pre-hospitalisation 60 days
Post-hospitalisation 180 days
Day-care treatment Yes
AYUSH treatment Yes
Restore benefit Sum Insured restored unlimited number of times, up to 100% each time, for a subsequent hospitalization
No-claim bonus Cumulative bonus 25% of Sum Insured for each claim free year, maximum up to 100% of the Sum Insured
Maternity Covered after 24 months waiting period, up to 10% of Sum Insured (max 2 deliveries in lifetime; self and spouse both covered)
OPD Not covered (unlimited tele-consultation only)

Premium

Sample annual premium ₹10,396
Sample premium is for Individual, age band 18-35, Sum Insured Rs 10,00,000, 1-year policy, Zone A, excluding GST

Insurer

Health incurred claim ratio (insurer) 70.3%
Claims figures for FY 2024-25: health incurred claim ratio including personal accident, IRDAI Annual Report (Statement 10)
Network hospitals (insurer) 16,000+
IRDAI UIN SHAHLIP26048V032526

About the Star Health Assure Insurance Policy

Star Health Assure Insurance Policy (IRDAI UIN SHAHLIP26048V032526) is an individual and family floater health insurance plan with sum insured from 5 lakh to 2 crore (10 options). Pre-existing diseases are covered after 3 years. It is one of 53 health insurance plans on Comparezi, from Star Health.

Information only. Comparezi does not sell insurance, does not give advice and is not paid by insurers. The policy wording issued by the insurer prevails over this summary.

Cover and limits

  • Plan type: Individual and family floater
  • Sum insured options: 5 lakh, 7.5 lakh, 10 lakh, 15 lakh, 20 lakh, 25 lakh, 50 lakh, 75 lakh, 1 crore, 2 crore
  • Entry age: 91 days (individual); 18 years adults / 16 days dependent children (floater) to 75 years
  • Room rent: SI Rs 5/7.5 lakh: up to 1% of SI per day; SI Rs 10-25 lakh: any room (except suite or above category); SI Rs 50 lakh and above: any room
  • Co-payment: 10% of each and every claim for Insured Persons whose age at entry is 61 years and above

Waiting periods

  • Initial waiting period: 30 days
  • Pre-existing diseases: 3 years
  • Specific illnesses: 2 years

Benefits

  • Pre-hospitalisation: 60 days
  • Post-hospitalisation: 180 days
  • Day-care treatment: Covered
  • AYUSH treatment: Covered
  • Restore benefit: Sum Insured restored unlimited number of times, up to 100% each time, for a subsequent hospitalization
  • No-claim bonus: Cumulative bonus 25% of Sum Insured for each claim free year, maximum up to 100% of the Sum Insured
  • Maternity: Covered after 24 months waiting period, up to 10% of Sum Insured (max 2 deliveries in lifetime; self and spouse both covered)
  • OPD: Not covered (unlimited tele-consultation only)

How it compares on Comparezi

Of the 50 health insurance plans on Comparezi with a stated pre-existing disease waiting period, 9 have a shorter one and 40 have the same. Of the 49 health insurance plans on Comparezi with a stated post-hospitalisation period, none has a longer one and 21 have the same.

Premium

It depends on your age, cover, city and options. Star Health's own published premium table gives ₹10,396 a year for this profile: Individual, age band 18-35, Sum Insured Rs 10,00,000, 1-year policy, Zone A, excluding GST. Your premium will differ; get a quote from the insurer.

About the insurer

Star Health's health incurred claim ratio was 70.30% in FY 2024-25 (IRDAI Annual Report; includes personal accident). An incurred claim ratio compares claims with premiums earned; it is not the share of claims paid. Star Health states a network of 16,000+ hospitals.

Similar plans from other insurers

Other health insurance plans from Star Health

Sources

Checked 6 November 2026. Values the documents do not state are left out rather than estimated. See how Comparezi checks data.

Alternatives

Alternatives to the Star Health Assure Insurance Policy

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Aditya Birla Health

Activ Health Platinum Enhanced

  • Individual and family floater Plan type
  • SI Rs 4 lakh and above: options Shared Room / Single Private A/C Room / Any Room; SI up to Rs 3 lakh: Shared Room / Single Private A/C Room Room rent
  • 36 months Pre-existing disease waiting
Premium depends on your profile

HDFC ERGO

Optima Secure

  • Individual and family floater Plan type
  • At Actuals Room rent
  • 36 months Pre-existing disease waiting
Sample premium ₹19,663 a year*

Similar cover

Similar health insurance plans

Star Health

Super Star

  • Individual and family floater Plan type
  • Any room Room rent
  • 36 months Pre-existing disease waiting
Sample premium ₹7,345 a year*

Head to head

Compare the Star Health Assure Insurance Policy

Questions

Star Health Assure Insurance Policy FAQs

It depends on your age, cover, city and options. Star Health's own published premium table gives ₹10,396 a year for this profile: Individual, age band 18-35, Sum Insured Rs 10,00,000, 1-year policy, Zone A, excluding GST. Your premium will differ; get a quote from the insurer.

SHAHLIP26048V032526. The UIN identifies the exact product version filed with IRDAI; check it on your policy documents.

3 years, as stated by the insurer.

Room rent as stated by the insurer: SI Rs 5/7.5 lakh: up to 1% of SI per day; SI Rs 10-25 lakh: any room (except suite or above category); SI Rs 50 lakh and above: any room.

Co-payment as stated by the insurer: 10% of each and every claim for Insured Persons whose age at entry is 61 years and above.

Maternity as stated by the insurer: Covered after 24 months waiting period, up to 10% of Sum Insured (max 2 deliveries in lifetime; self and spouse both covered).

60 days before and 180 days after hospitalisation.

5 lakh, 7.5 lakh, 10 lakh, 15 lakh, 20 lakh, 25 lakh, 50 lakh, 75 lakh, 1 crore, 2 crore.

Data sources

  • Manufacturer official pages

Last updated

Product details

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