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Last updated on: September 24, 2025
The Star Premier Plan and Star Super Star Plan are two popular health insurance offerings from Star Health, each catering to distinct needs. The Star Premier Plan is designed for comprehensive coverage with higher sum insured options, broad in-patient care, and additional perks such as coverage for pre-existing diseases after shorter waiting periods and maternity benefits. In contrast, the Star Super Star Plan primarily targets individuals with pre-existing conditions like diabetes or hypertension, providing specially tailored coverage from day one, but with comparatively lower sum insured limits and a focus on chronic illness management. Choosing between these plans depends on individual requirements select the Premier Plan for extensive all-round health protection, or opt for the Super Star Plan if you specifically seek coverage for diabetes, hypertension, and their related complications.
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Star Health has become a household brand as far as provision of a complete health cover is concerned. Two of their most popular family and individual products the Star Premier Plan and the Star Super Star Plan have gained particular relevance in 2025. The branch of selecting the appropriate plan might not be the easiest thing, yet knowing how these plans compare with each other in terms of coverage, benefits and costs and add-ons can assist you to select the best plans that suits your needs.
The two plans are aimed at wide-ranging healthcare coverage though they serve various customer groups. The Premier Plan is usually aimed at people who want broad cover with the flexible sum insured options and lifestyle related parameters. Super Star Plan, in its turn, is offered to those who are willing to have a solid cover in terms of hospitalisation, modern treatments, and pre-existing diseases at a fair price, including diabetes and hypertension versions.
We are going to compare the main differences, advantages and appropriateness of the Star Premier Plan and the Star Super Star Plan to the prospective policy buyers in 2025.
Expert Advice: Star Super Star has become popular since the year 2023, particularly among people with preexisting medical conditions (Dr Anil Kumar, Senior Health Insurance Advisor). The provides immediate cover to diabetes and hypertension is the game changer in health insurance in India.
Did you know? According to the recent survey by IRDAI (2024), almost thirty percent of health insurance purchasers above 40 years desired a plan that has a shorter waiting time to diabetes and hypertension, and the Super Star Plan is one of the most suitable plans that can make this buyer group.
| Characteristic | Star Premier Plan | Star Super Star Plan. |
|---|---|---|
| Suitability basic | Broader families/urban households | Specially diabetes/hypertensive. |
| wait in pre-existing disease cover | 36 months (most) | 12 months. |
| International cover | Available in certain forms only | Not available. |
| Copay | None below 60 years old | 20 percent above 61 years. |
| Premium range (per annum of 35 years, 5 lakh sum insured) | Approximately 10,000 - 15,000 | Approximately 8,000 -12,000 |
| Restoration cover | Up to 100 percent | Up to 100 percent |
| Consumables | Not included in base | Included |
| Diabetes and Hypertension inclusion | Not basic, add-on required | Covered by default. |
People also ask:
The Star Premier Plan might be the most recommended plan in case you are an individual or family and want the most comprehensive health insurance, even going international and high-value treatment. It suits best those who travel a lot on business, NRI families, or any other person who desires a wide safety net.
The Super Star Plan is the best fit to buyers who want to be specifically covered on pre-existing diabetes or hypertension with first come first serve waiting period at an affordable price. This should be taken into consideration by middle-aged couples, individuals with chronic health conditions, or those who are going to upgrade their simple cover.
Before deciding between the two, take into consideration your age, budget, and any health issues you have had, lifestyle and future family plans.
Experts Opinions: Ms. Radhika Sharma, Health Policy Consultant advises, through the expert opinion that, families having young members and those planning to have babies are found to be more attracted towards the Premier Plan since it offers optional maternity and newborn benefits as the family increases.
Both products provide entry to the cashless hospitals network that has steadily increased to over 13,000 hospitals around the country. Such a long list is a guarantee that no matter where you may live, be it in a high-density metropolis or a small town, there is cashless treatment option should an emergency arise or you have to have a planned surgery.
Both plans have 24x7 customer support, and as of 2024, more AI chat support and digital claim processing has been invested in. Star Health is among the fastest in its industry with an average of less than 2 hours to process the pre-authorisation claims.
Did you know? In late 2024, Star Health introduced its WhatsApp claim support and video doctor consults, and it is expected to cut down on turnaround time on minor claims and questions by both Super Star and Premier policy holders.
All health policies do impose minimum waiting times to certain conditions. Under these two plans, the normal 36 months wait period on pre-existing illnesses is usually on the Premier Plan. The Super Star Plan is more welcoming to people having the chronic conditions as there is only 12 months waiting period of diabetes and hypertension.
Both of them are subject to general exclusions: cosmetic treatments, experimental therapies, and injuries due to war or illegal activity, and maternity (in basic version to both plans) are not covered unless they are selected as an add-on.
FAQ:
Another important consideration of health policy is the annual cost. Inflation in health has slightly raised premiums in 2025; although the two plans are not lagging behind when compared to their peers.
| Age (yrs) | Sum Insured (Rs) | Star premier plan (INR) | Star Super star plan (INR) |
|---|---|---|---|
| 30 | 5 lakh | 9,000 - 13,000 | 8,000 - 10,000 |
| 40 | 10 lakh | 15,000 - 22,000 | 13,000 - 16,000 |
| 55 | 25 lakh | 32,000 - 45,000 | 27,000 - 38,000 |
| Family Floater (2A 2C, 10 lakh) | — | 22,000 - 31,000 | 19,500 - 27,000 |
Star Super Star Plan is also usually about 10-15 percent cheaper on similar sum insured, mostly due to the fact that it is targeted a specific group. The add-ons and the global services of the Premier Plan make it more expensive.
People also ask:
Did you know? In 2024, Star Health won the category of Best Digital Customer Experience because of its flawless online claim and chatbot support- a feature available to both policyholders.
Q. Do both these plans include maternity expense as default?
No, maternity and newborn baby cover are optional add-ons of both plans but they are not part of the base policy.
Q. Is the transfer between insurers or plans to Star Super Star Plan possible?
Yes, it can be made portable according to IRDAI rules, and continuity of past as regards waiting (underwriting).
Q. And what happens in case I contract diabetes/hypertension following the purchase of Premier Plan?
These conditions will be then covered by the Premier Plan with the normal waiting period.
Q. Are the two policies lifetime renewable?
Yes, both Star Premier Plan and Super Star Plan are renewable at lifetime and on payment of premium at the right time.
Q. Does Star Super Star Plan cover beyond India?
No, only the Premier Plan is the one that provides policyholders with international emergency cover.
Q. Do the two plans uphold online claims and 24-hours customer care?
Yes, the processing of claims and online assistance are the advantages of both plans in 2025, such as video consultations to get immediate advice.
Q. What are the significant omissions of both plans?
The two leave out cosmetic treatments, injuries as a result of unlawful acts, non-prescribed drugs, and experimental treatments.
Q. What is the earliest that I can make a claim to pre-existing diseases under these plans?
Super Star Plan provides claim option within 12 months period after diabetes and hypertension; Premier Plan after 36 months with most pre-existing illnesses.
Details can be compared on the official site of the policies or on the official site of Star Health brochures or with the help of a licenced advisor.
How could we improve this article?
Written by Prem Anand, a content writer with over 10+ years of experience in the Banking, Financial Services, and Insurance sectors.
Prem Anand is a seasoned content writer with over 10+ years of experience in the Banking, Financial Services, and Insurance sectors. He has a strong command of industry-specific language and compliance regulations. He specializes in writing insightful blog posts, detailed articles, and content that educates and engages the Indian audience.
The content is prepared by thoroughly researching multiple trustworthy sources such as official websites, financial portals, customer reviews, policy documents and IRDAI guidelines. The goal is to bring accurate and reader-friendly insights.
This content is created to help readers make informed decisions. It aims to simplify complex insurance and finance topics so that you can understand your options clearly and take the right steps with confidence. Every article is written keeping transparency, clarity, and trust in mind.
Based on Google's Helpful Content System, this article emphasizes user value, transparency, and accuracy. It incorporates principles of E-E-A-T (Experience, Expertise, Authoritativeness, Trustworthiness).
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