Star Health Super Star Health Plan | *HONEST REVIEW* | Pros, Cons & Features | Ditto Insurance

In this video, we take an in-depth look at the recently launched Super Star Health Insurance Policy by Star Health Insurance. This new policy promises comprehensive coverage with several unique features, including no co-payments, unlimited sum insured options, and benefits like OPD visits, dental check-ups, and maternity cover. Whether you're looking for a family health insurance plan or something with shorter waiting periods for pre-existing conditions, this policy seems to offer it all. But is it worth switching to? We went through all the fine print so you don’t have to, and we're here to help you decide if this plan is the right fit for you.

With options for sum insured limits ranging from ₹5 lakh to unlimited, the Super Star policy is designed for flexibility. It’s perfect for those who want coverage without worrying about room rents or hospital stay restrictions. You also get benefits like 90 days of pre-hospitalization coverage and 180 days of post-hospitalization coverage. The policy includes AYUSH treatments, unlimited restoration of coverage, and a slew of 21 add-ons like Quick Shield for reducing waiting periods and Women Care for expectant mothers. And if you're looking for discounts, this plan offers up to 20% off on renewal premiums based on wellness goals, 15% off based on your CIBIL score, and 2.5% if you renew early.

Key Takeaways:
- Star Health Insurance's Super Star Plan offers a wide range of coverage options, including sums insured from ₹5 lakh up to unlimited, making it a flexible option for families or individuals looking for a customizable health insurance policy.
- No co-payment and no room rent restrictions under this plan, which means you can choose any hospital room within your sum insured limit without extra charges, a significant benefit compared to other policies.
- Comprehensive coverage for pre and post-hospitalization expenses (90 days before and 180 days after), along with coverage for alternative treatments through AYUSH, offers a well-rounded healthcare solution.
- The Super Star Health Insurance Policy comes with 21 add-ons, including Quick Shield to reduce waiting periods for pre-existing conditions, making it a more attractive option for those with chronic ailments like diabetes or hypertension.
- Discount opportunities like up to 15% off based on your CIBIL score and 20% off on renewal premiums through the wellness discount, plus 2.5% for early renewal, making it an affordable insurance policy for those meeting these criteria.
- While the Star Health Super Star Plan sounds promising, there are concerns about Star Health Insurance’s claim settlement ratio, which sits at around 83%. Make sure to evaluate this factor and their customer service reviews before making a decision.

In conclusion, the Super Star Health Insurance Plan by Star Health Insurance offers great flexibility and affordability, especially for those seeking a comprehensive insurance policy. However, with concerns around Star Health’s claim settlement track record, it’s essential to do thorough research and consult an advisor before choosing this plan.

If you’re looking for an affordable health insurance policy with extensive coverage options, this review will help you decide if the Super Star policy is the right choice for you!

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[Hariprasathr]

This CSR of 83% for star health is based on which data? I could find only annual report in IRDAI website. And somewhere saw around 98% CSR for Star. Please clarify this.

[prashantprem]

Recently i had gone for angioplasty bill was of Rs 2.24L and star paid 2.07L. All approvals were very swift thanks star for standing in difficult time.❤❤❤

[shyamsundarvattam]

Wonderful description. Your video has made me think twice on continuing the existing Star health insurance policy

[roudur]

It's not there on their website. The details as explained r not available on any website. Somehow it appears not a genuine policy.

[myaccount]

Important this is diseases sublimits. For example for cataract, they can have Rs 30, 000 for one eye treatment and this will remain same each year even though due to inflation, real cost of one eye cataract surgery can be many times more.

[gajendrakinge]

I have had few claims which got settled down within 2 hrs from the documents submission. Must go for Star Health.

[PTSD..]

I have a Star Health Plan. Been paying for the last 5 years. Now there was a claim and Star always short-settles. Don't ever go for Star.

[ShardulKamate]

There is rider, bonus SI 100%. Suppose i select rider for 5 years then discontine. What will happen in this case?

[janalikalita]

I have purchased a super star health insurance in star health a month ago..if i fall sick they will cover my treatment? Please reply

[vignesh_m_]

What about Disease wise sublimits similar to Star Comprehensive??

[paulalexander]

I had cardiac surgery. Total expenses ₹4.5 lakhs. Star Health settled the full amount. I am happy with their approach. Within one hour of my hospital admission they sanctioned cashless treatment. Hats off to the Star Health Team. 👍

[santoshpallerla]

Is it better to port from star comprehensive policy to super star plan

[mahiiengg]

1:02 where was the more on that? You forgot to mention the problemwith Unlimited SI

[vibhavaribhosale]

My mama had cancer total payment by company, amount rs.14lac when policy sum assured is10 lac.I though that when claim issue is ther, sum mistake buying policy plan

[kavimuthukumar]

I purchased this plan but i left maternity coverage i just got it 7 days ago. Can i add maternity coverage now

[swatikumar]

Excellent details. Thanks for sharing.


One question related to fix premium. As it will remain same unless claim is made. Will the price of Ad ons also remain same until the claim is made?

Thanks for your guidance

[nishantaggarwal]

Should have also mentioned the current ongoing data breach in this.

[partha]

@ditto according to you what are the top 5 insurance company you can advise to go for a hassle free claim?

[jaggaraolaveti.]

My wife had spine suegery in VIZAG. Hospital charged for this 1, 87, 000.I have star health health optima policy with ten lakhs sum insured.But star health insureres paid only 1, 46, 000.I paid 41, 000 to the hospital. This was happened to me on 27.01.2025..monday. My policy has no copay.only consumables is not add on my policy.So this is my personal experience. Choose wisely.

[devireddy]

Hi

I want to take health insurance for my parents of age 48 who doesn't have any PED.

Can you recommend which is best Star Super start or Care supreme