Super Star Flexi Plan
The Super Star Flexi Plan by STAR Health Insurance offers an unbeatable mix of flexibility,
🌟 Super Star Flexi Plan – Complete Guide
The Super Star Flexi Plan by STAR Health Insurance offers an unbeatable mix of flexibility, loyalty rewards, advanced coverage, and digital wellness tools. Whether you are insuring yourself or your entire family, this plan has been designed to offer real value—now and into the future.
✅ Plan Essentials
🔁 Limitless Loyalty Bonus
Get 100% additional Sum Insured every time you renew, regardless of claims. Your coverage keeps growing as you stay loyal to the plan.
💼 Sum Insured Multiplier
Combine the unused Sum Insured from previous policy years to pay for a larger hospital bill.
💸 Premium Return
If you make no claims for 5 years, get your first-year premium refunded.
💪 Health Booster
Stay claim-free for 7 consecutive years and receive an extra 100% Sum Insured at no extra cost.
✅ Understand What’s Included
📌 Entry Age
| Coverage Type | Age Eligibility |
|---|---|
| Individual SI | 18 years to any age |
| Floater (Adults) | 18 years to any age |
| Dependent Children | 91 days to 25 years |
| Family Floater | Max: 2 Adults + 4 Children |
💰 Sum Insured Options (₹ Lakhs)
Available Options: 7.5 / 10 / 15 / 20 / 25 / 50 / 100
Note: ₹100 Lakhs Sum Insured is available only up to 60 years of entry age.
🗓️ Policy Term
Choose from:
- 1 year
- 2 years
- 3 years
⏳ Waiting Periods
| Type | Waiting Period |
|---|---|
| Initial Waiting Period | 30 days |
| Specified Diseases | 24 months |
| Pre-Existing Diseases (PED) | 36 months |
🏥 Policy Benefits
🚪 Room Rent
✅ Any Room — no sub-limits.
🧪 Professional Fees, Tests, Medicines, ICU
✅ Covered up to the Sum Insured (SI).
❄️ Freeze Your Age
✅ Premium based on entry age is frozen till your first claim.
⚠️ Available only for insureds up to 50 years of age.
🔄 Automatic Restoration of SI
✅ Up to 100% SI restored unlimited times in a policy year for both related & unrelated illnesses.
🎁 Cumulative Bonus
✅ 50% bonus for each claim-free renewal, up to 100% of SI.
🧬 Organ Donor Expenses
✅ Covers expenses including post-donation complications.
😁 Dental Check-up & Cleaning
✅ Consultation, X-ray (IOPA), and Scaling once during 2nd & 3rd policy years (cashless only).
📞 Unlimited Tele-Consultation
✅ Available via STAR Health App including AI-based face scan.
🏠 Home Care Treatment
✅ Covered up to SI.
🏡 Domiciliary Hospitalisation
✅ Covered up to SI.
🕒 Pre and Post Hospitalisation
✅ 90 days before and 180 days after hospitalization.
⏱️ Day Care Treatment
✅ All day care procedures covered up to SI.
💉 Modern Treatments
✅ Covered up to SI.
🌿 AYUSH Treatments
✅ Covered up to SI.
🚑 Road Ambulance
✅ Covered up to SI.
✈️ Air Ambulance
✅ Up to ₹5 Lakhs in a policy year.
⛔ Premium Waiver
✅ One year premium waived if the proposer is diagnosed with listed critical illness or dies in an accident.
🌟 STAR Wellness Program
✅ Earn 1,000+ points yearly by completing wellness tasks in the STAR Health App.
✅ Redeem for up to 20% discount on premium.
🛍️ Value-Added Services
✅ Discounts on pharmacy, diagnostics, consultations.
🩺 E-Domestic Second Medical Opinion
✅ Free second opinion based on submitted records.
➕ Additional Covers (Included)
| Feature | Description |
|---|---|
| Limitless Loyalty Bonus | 100% SI added for every renewal, no cap |
| Sum Insured Multiplier | Applicable on long-term policies |
| Premium Return | 1st-year premium refunded after 5 claim-free years |
| Health Booster | Extra 100% SI after 7 claim-free years |
| Durable Medical Equipment | Up to ₹1L per year |
| E-Connect | Virtual fitness, diet consults, international 2nd opinion (2x/year) |
| Grace Period Cover | Protection during grace period if policy lapses |
| ⚠️ Not available after 60 years: Premium Return, Loyalty Bonus & SI Multiplier |
🔧 Optional Covers (Choose as per need)
| Optional Cover | Benefit |
|---|---|
| Limitless Care | One lifetime unlimited claim cover (min SI ₹10L) |
| Nursing at Home | ₹1,000/day up to 10 days post-discharge |
| Preventive Health Check-Up | Available yearly for 18+ insureds |
| StayFit | Gym & fitness access (up to 7 sessions/week) |
| Mamta (Women Wellness) | Online women wellness services (12+ yrs) |
| Param Seva (Senior Wellness) | 56+ years, digital care support |
| In-Clinic Consultation | 4/8 in-person doctor visits (individual/floater) |
| Consumables Cover | Covers 68 non-payable items (see website) |
| Value Network | 15% discount if using STAR’s value network |
| Voluntary Deductible | Choose ₹25k to ₹5L as yearly deductible |
| Long Term Deductible | Choose ₹25k to ₹5L for entire term |
| Voluntary Co-pay | 10% / 20% of admissible claims |
| Quick Shield | PEDs like Diabetes/Hypertension covered after 30 days |
| Future Shield | Transfers waiting periods to spouse added later |
| Maternity Expenses | ₹50k / ₹1L (24-month waiting period) |
| Room Rent Modification | Limit room to private, twin, or multi-bed as needed |
📝 Conclusion
The Super Star Flexi Plan is a well-rounded, reward-driven health insurance solution. With comprehensive hospitalization benefits, loyalty rewards, modern coverage options, and the ability to customize your plan using optional covers, it offers something for every stage of life.
Want to secure your health and get rewarded while doing so?
The Super Star Flexi Plan is your answer.
