Star Health Insurance Top Up Plans

Plans starting at only ₹7/day*

Health Insurancebanner image
Enter your details to buy Health Insurance
By proceeding, I agree to the Terms & Conditions
  • no spam calls
    No Spam calls. Promise
  • tax deduction
    Upto ₹75,000** Tax deduction under Sec 80D
  • instant policy
    Instant Policy Issuance

If you often find yourself exhausting your current health plan and its basic coverage, you could always take advantage of the star health insurance top up plans that offer you additional coverage once you have gone through your base health insurance policy. The plan offers several benefits and limits your out-of-pocket expenses in case of repeated hospitalisation episodes. The typicality of these plans is the deductible amount that applies in case of hospitalisation. The deductible means the role of Star health insurance plan will come once the treatment cost exceeds a certain threshold as specified in the policy. Till the threshold is not met, all your healthcare expenses are your liability. 

This page will go over the details of the top up policy of Star health insurance.

Star Health Insurance Top Up Plan Highlights

Star health offers top-up insurance coverage as their Super Surplus Insurance Policy. You can buy the plan on an individual or a family floater basis. Once you top up Star health insurance policy, you have to pay the listed deductible amount for the coverage to kick in. This makes it a great compliment to your base individual or family floater Star Health insurance policies. 

The highlights of this plan include:

  • Pre-acceptance medical tests are not mandatory.
  • Affordable premium rates are available.
  • Both individual and family floater options are available.
  • Maternity expenses are covered up to policy-specified limits.
  • Air ambulances expenses are covered under this top-up health insurance plan.
  • Policy term options are 1 year and 2 years.
  • Star wellness program is available.
  • Installment options are available for premium payments.

Types of Star Health insurance Top Up Plans

Star Health provides Super Surplus Insurance Policy as a top-up plan. Here are the plan variants:

1. Silver Plan – Individual

Sum InsuredINR 7 lakh and INR 10 lakh
Deductible AmountINR 3 lakh
Policy Term1 or 2 years

2. Silver Plan – Family Floater

Sum InsuredINR 10 lakh
Deductible AmountINR 3 lakh and INR 5 lakh
Policy Term1 or 2 years

3. Gold Plan – Individual

Sum InsuredINR 5 lakh-1 crore
Deductible AmountINR 3-25 lakh
Policy Term1 or 2 years

4. Gold Plan – Family Floater

Sum InsuredINR 5 lakh-1 crore
Deductible AmountINR 3-25 lakh
Policy Term1 or 2 years

Star Health Insurance Top Up Plan: Key Features & Benefits

In comparison to standard top-up plans, Star health insurance top up plans provide the following advantages:

1. Star Wellness Program

Through different wellness activities, the Star wellness programme aims to encourage, motivate, and award Insured individuals' healthy lifestyles. These wellness activities assist the insured in earning wellness award points, which would be monitored and managed by the Star Health Insurance Company. The wellness points obtained by the insured individual(s) under this wellness program can be used to obtain a premium discount. The Star Wellness Platform is used to facilitate and manage this wellness program.

2. Medical E-Opinion

When looking for a costly or complicated treatment, it is always a good idea to check for a second medical opinion. Not only does this give you peace of mind, it also gives you the opportunity to spend your time more efficiently. The best thing that can happen to you if you find out that the treatment really doesn't work is having the money saved by not wasting all that time and effort. On the other side, the alternative is you will get more confidence in the treatment. 

Super Surplus Insurance Policy offers medical e-opinion as a part of the gold variant coverage.

3. No Need for Pre-acceptance Screening

Most insurance policies demand some form of a medical exam or screening prior to the quote in order to correctly provide the policyholders with the perfect premium rate. For instance, if a person is discovered to have a pre-existing sickness or harmful behaviours such as chewing tobacco or smoking cigarettes, he/she will get a considerably higher premium rate because the concerned individual will likely require constant treatment and hospitalisation. Similarly, if someone is discovered to be completely healthy, they might enjoy lesser premium rates.

Star Health’s Super Surplus Insurance Policy exempts policyholders from such regulations by rendering medical screening prior to coverage optional.

4. Tax Advantages

Active policyholders of Star health insurance top up policies are eligible for a tax benefit under IT Act Section 80D. If you are below 60, you are eligible for a tax cut of INR 25,000, which includes a preventative healthcare tax incentive of INR 5,000. Nevertheless, if you are over the age of 60 i.e., a senior citizen, you will be entitled to a tax break of up to a limit of INR 50,000, which includes the INR 5000 preventative healthcare tax incentive.

As a result, if you have a family policy with two older persons, you can receive tax breaks of up to INR 100,000.

Inclusions of the Star Health Insurance Top Up Policy

Star Health’s Super Surplus Insurance Policy covers the following expenses of insured individuals:

Silver Variant Coverage

  • In-patient hospitalisation
  • Modern treatment cover
  • Post-hospitalisation (60 days)
  • Pre-hospitalisation (30 days)

Gold Variant Coverage

  • In-patient hospitalisation
  • Post-hospitalisation (90 days)
  • Pre-hospitalisation (60 days)
  • Emergency ambulance expenses cover
  • Modern treatment cover
  • E-medical opinion
  • Air ambulance cover
  • Organ donor expenses
  • Delivery expenses
  • Wellness service
  • Recharge benefit
  • Deductible waiver

Exclusions of the Star Health Insurance Top Up Policy

Star health insurance policy contains a list of circumstances that their top-up medical insurance plans do not cover. If you want thorough coverage, you also need to be aware of these policy exclusions:

  • Pre-existing diseases
  • Specified treatment and diseases in their waiting terms
  • Diseases within the 30-day waiting term
  • Evaluation and investigation of diseases without treatment
  • Rehabilitation, rest cure and respite care
  • Weight control and obesity treatment
  • Gender swap treatment
  • Cosmetic/plastic surgery
  • Adventure or hazardous sports
  • Injuries due to illegal activities
  • Treatment from specified excluded providers
  • Alcoholism, drug or substance abuse treatment
  • Treatment at domestic nursing homes
  • Dietary substances purchased without being prescribed by the doctor
  • Refractive error
  • Unproved treatment
  • Sterility and infertility
  • Maternity expenses and complications
  • Circumcision
  • Congenital external conditions
  • Convalescence, run-down condition, general debility, nutritional deficiency
  • Self-injury
  • Diseases and injuries caused by nuclear materials
  • Experimental therapies and treatments
  • Chondrocyte implantation, autologous derived stromal vascular fraction, procedures using intra articular injection treatment and platelet rich plasma
  • Biologicals (unless specified as in-patient)
  • Erectile dysfunction and priapism treatments
  • Vaccination and inoculation
  • Dental surgeries and treatments (unless accidental hospitalisation)
  • Sleep apnea medical and surgical treatment, endocrine disorder treatment
  • Non-covered hospital expenses
  • Non-covered medical tools
  • Non-hospitalised treatment
  • Insured-disclosed existing diseases
  • System medicines treatments other than allopathy
  • Newborn baby medical expenses
  • Other excluded expenses as listed at

Eligibility Criteria

Here are the eligibility requirements of the Star health insurance top up policy:

Coverage TypeIndividual, Family Floater
Minimum Entry Age

18 years for adults

91 days for dependent children

Age Limit

65 years for adults

25 years for dependent children

Policy Term1 / 2 
Covered RelationshipsSelf, spouse, dependent children.

Things to Consider When Buying Star Health Insurance Top Up Plans

When shopping for a Star health insurance top up plan, here are pointers you need to consider:

  • Insured Sum

Insured sum is the coverage you will receive from the Star health insurance top up plan. The higher, the better. However, keep in mind a higher sum insured also means a higher premium amount. Star Health’s Super Surplus Insurance Policy offers insured sums ranging from INR 5,00,000 to INR 100,00,000 across the silver and gold plan variants. 

  • Deductible Amount

A deductible is an amount you’ll need to spend to get the additional sum of insured coverage from a top-up plan. The lower, the better. Nevertheless, a less deductible amount is accompanied by less sum insured. Star Health’s Super Surplus Insurance Policy offers deductible amounts ranging from INR 3-25 lakh across the silver and gold plan variants. The lower, the better. Nevertheless, a less deductible amount is accompanied by less sum insured. Star Health’s Super Surplus Insurance Policy offers deductible amounts ranging from INR 3-25 lakh across the silver and gold plan variants.

  • Hospital Network

Choosing an insurer with a large hospital network is the need of the hour. It helps widen your choice for cashless treatment and feel assured of the highest care. Star Health Insurance boasts a large hospital network of around 10,000 medical facilities. 

  • Tax Advantages

Section 80D of the Income Tax Act offers tax advantages to active policyholders. Individuals paying health insurance premiums under 60 years receive a deduction of INR 25,000, while senior citizens receive a tax exemption limit of INR 50,000. Both scenarios include a preventive healthcare tax break of INR 5,000. 

How to Buy Star Health Insurance Top Up Policy?

Here is a step-by-step breakdown of the purchasing Star health insurance top up policy from Paytm Insurance:

  1. Go to the Paytm Insurance website.
  2. Once on the homepage, click on ‘health insurance’.
  3. A drop-down of the available health insurance providers will appear. From there, you need to choose Star health insurance..
  4. Once you choose it, you will be directed to a new page where you have to complete a short survey.
  5. Next, you have to input your local pin code and current age.
  6. Now click on ‘get quotes’ to have a full page filled with health insurance plans.
  7. Compare and contrast the plan before choosing it.
  8. Pay for your plan online with Paytm and enjoy your coverage.

Star Health Insurance Top Up Plans FAQs

  • 1. Who should purchase a Star health top up plan?

    Anyone not satisfied with the extent of coverage provided by their primary health insurance plan can acquire a top-up plan from Star Health Insurance. You must be a minimum of 18 years old and a current resident of India.

  • 2. Can I buy a Star health top up plan as an NRI?

    No. Only currently residing Indians are eligible for Star Health insurance top up plans.

  • 3. What are the age criteria for Star health Insurance top-up insurance coverage?

    The Star health insurance top-up policy has an age limitation of 18 to 65 years for adults and 91 days to 25 years for dependent children.

  • 4. How to buy a Star health top up plan?

    You need to visit the Star health website and follow their application process to buy a Star health insurance top up plan. Alternatively, you can go to the Paytm Insurance website and go through the innumerable health insurance providers and plans available to you and then make an educated decision.

  • 5. Can I buy Star health insurance top up plans offline?

    Yes, you can buy the Star health top up policy at the nearest branch of the insurance company. Offline premium payment modes include demand draft, cheque, etc. See if the insurer accepts cash payments.

Recent Articles

View All

Measures for Preventing Cancer

By choosing healthy lifestyle habits, you can reduce your risk of developing some common types of cancer. Lear...

Read More

Understanding Free Health Check-up Coverage of Your Health I...

Regular medical checkups are beneficial to keep your health in check. You will get them free if you have healt...

Read More

Let’s Scan Arogya Sanjeevani Health Insurance Plan

Arogya Sanjeevani is basic and inexpensive health insurance. Additionally, it offers the choice of obtaining a...

Read More

Star Health Insurance Family Health Optima Policy

Star Family Health Optima Health Insurance Policy provides extensive coverage for the entire family under a si...

Read More

Vitamins and Minerals That Boost Metabolism

Leaner people are associated with a high basal metabolic rate. However, Vitamin B and D, and minerals such as ...

Read More

Different Types of Health Insurance Policies Offered in Indi...

You can't get the ideal value if you don't know what kinds of health insurance policies are available in India...

Read More

Healthy Foods That Protect Your Liver

The liver is the body's detoxification system that filters out toxins and is responsible for numerous vital fu...

Read More

Understanding the Types and Treatments of Diabetes

Diabetes is a disorder when the body's capacity to metabolise blood glucose is impaired. The disease is classi...

Read More

Manage Anxiety Easily with These Tips

The constant feeling of something going wrong can wreak havoc on one’s mind and affect daily tasks. However, h...

Read More