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Star Health · SHAHLIP27049V022627

Star Health Super Star

Star Health Super Star (IRDAI UIN SHAHLIP27049V022627) is an individual and family floater health insurance plan with sum insured from 5 lakh to 1 crore (8 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 Super Star is a health insurance plan from Star Health. Key specifications: plan type Individual and family floater, room rent Any room, pre-existing disease waiting 36 months. Among health insurance here it fits best for longer pre- and post-hospital cover.

Sample premium ₹7,345 a year*

*For: 1 adult, age 30, individual, Sum Insured Rs 10,00,000, Zone A, base premium excluding GST, no optional covers (prospectus base premium table; policy term not stated on the table, treated as annual base premium). Your premium will differ.

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

Pros

  • 90 days of pre-hospitalisation cover, longer than 79% of the 49 health insurance plans on Comparezi that state it
  • No room-rent cap

Who should buy it

  • Best for Longer pre- and post-hospital cover · What matters most? (pick any) #1 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, 1 crore
Highest sum insured 100 lakh
Entry age From 18 years (adults); 91 days (dependent children, floater) (no maximum stated)
Room rent Any room
Co-payment Mandatory co-pay: Not applicable

Waiting periods

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

Benefits

Pre-hospitalisation 90 days
Post-hospitalisation 180 days
Day-care treatment Yes
AYUSH treatment Yes
Restore benefit Automatic restoration of the Sum Insured up to 100%, an unlimited number of times, immediately after partial/ full utilisation of the limit of coverage
No-claim bonus Cumulative bonus 50% of the Sum Insured for each claim-free year, up to a maximum of 100% of the Sum Insured
Maternity Not in base cover; optional Delivery Expenses/ Newborn Cover (Option A: Rs 50,000 or Rs 1,00,000 per delivery, 24 months wait; Option B: Rs 30,000 per delivery, 12 months wait)
OPD Not covered in base (unlimited tele-consultation only); optional cover up to Rs 25,000 for specific diagnostic tests on OPD basis

Premium

Sample annual premium ₹7,345
Sample premium is for 1 adult, age 30, individual, Sum Insured Rs 10,00,000, Zone A, base premium excluding GST, no optional covers (prospectus base premium table; policy term not stated on the table, treated as annual base premium)

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 SHAHLIP27049V022627

About the Super Star

Star Health Super Star (IRDAI UIN SHAHLIP27049V022627) is an individual and family floater health insurance plan with sum insured from 5 lakh to 1 crore (8 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, 1 crore
  • Entry age: From 18 years (adults); 91 days (dependent children, floater) (no maximum stated)
  • Room rent: Any room
  • Co-payment: Mandatory co-pay: Not applicable

Waiting periods

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

Benefits

  • Pre-hospitalisation: 90 days
  • Post-hospitalisation: 180 days
  • Day-care treatment: Covered
  • AYUSH treatment: Covered
  • Restore benefit: Automatic restoration of the Sum Insured up to 100%, an unlimited number of times, immediately after partial/ full utilisation of the limit of coverage
  • No-claim bonus: Cumulative bonus 50% of the Sum Insured for each claim-free year, up to a maximum of 100% of the Sum Insured
  • Maternity: Not in base cover; optional Delivery Expenses/ Newborn Cover (Option A: Rs 50,000 or Rs 1,00,000 per delivery, 24 months wait; Option B: Rs 30,000 per delivery, 12 months wait)
  • OPD: Not covered in base (unlimited tele-consultation only); optional cover up to Rs 25,000 for specific diagnostic tests on OPD basis

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 ₹7,345 a year for this profile: 1 adult, age 30, individual, Sum Insured Rs 10,00,000, Zone A, base premium excluding GST, no optional covers (prospectus base premium table; policy term not stated on the table, treated as annual base premium). 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 Super Star

All health insurance →
  • Individual and family floater Plan type
  • No limits; any room of choice; no ICU day/charge limits Room rent
  • 36 months Pre-existing disease waiting
Premium depends on your profile

Aditya Birla Health

Activ Fit

  • Individual and family floater Plan type
  • Any Room (SI Rs 5 lacs and above) Room rent
  • 36 months Pre-existing disease waiting
Premium depends on your profile

Care Health

Care Supreme

  • Individual and family floater Plan type
  • Up to SI Room rent
  • 36 months Pre-existing disease waiting
Sample premium ₹12,292 a year*
  • Individual and family floater Plan type
  • SI Rs 5-20 lakh: up to Deluxe room; SI Rs 25 lakh and above: any room Room rent
  • 36 months Pre-existing disease waiting
Sample premium ₹11,573 a year*

Similar cover

Similar health insurance plans

  • Individual and family floater Plan type
  • 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 Room rent
  • 36 months Pre-existing disease waiting
Sample premium ₹10,396 a year*

Head to head

Compare the Super Star

Questions

Super Star FAQs

It depends on your age, cover, city and options. Star Health's own published premium table gives ₹7,345 a year for this profile: 1 adult, age 30, individual, Sum Insured Rs 10,00,000, Zone A, base premium excluding GST, no optional covers (prospectus base premium table; policy term not stated on the table, treated as annual base premium). Your premium will differ; get a quote from the insurer.

SHAHLIP27049V022627. 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: Any room.

Co-payment as stated by the insurer: Mandatory co-pay: Not applicable.

Maternity as stated by the insurer: Not in base cover; optional Delivery Expenses/ Newborn Cover (Option A: Rs 50,000 or Rs 1,00,000 per delivery, 24 months wait; Option B: Rs 30,000 per delivery, 12 months wait).

90 days before and 180 days after hospitalisation.

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

Data sources

  • Manufacturer official pages

Last updated

Product details

Disclosure

Links to insurers are not paid. Comparezi earns only from labelled ads, which never affect the Comparezi Score, the order of insurers, or the price shown, which is what the insurer listed when we checked.

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