Super Star premium calculator
Add the people you want to cover, your city and the sum insured. The premium updates as you go. Figures are indicative base premiums from the Super Star prospectus.
About optional covers
Step 6 lists every optional cover in the Super Star prospectus, with its choices and eligibility rules. Two of them state a premium effect, and the calculator applies it: Smart Network (15% off) and NRI Advantage (10% off). The others are charged an additional premium that the prospectus does not publish, so they are marked as an advisor quote and sent with your WhatsApp message instead of being priced here.
Get an advisor quoteAbout Super Star
What the plan covers
Super Star is a health plan from Star Health. The prospectus describes hospital costs before and after an admission: 90 days before and 180 days after. It also lists air ambulance cover up to ₹5,00,000 and states that there is no mandatory co-payment (not applicable).
Two features work on the sum insured. Restoration is described as: unlimited times, up to 100% of si each time (not for unlimited si). The cumulative bonus is described as: 50% of si per claim-free year, max 100% (not for unlimited si). Another feature, Freeze Your Age, is described as: age locked at entry until a claim is paid under basic cover. The plan also allows mid-term additions: newly wedded spouse, new born baby, legally adopted child on proportionate premium. The policy wording has the conditions for each of these, so read it before you buy.
Who it is written for
The plan can be taken as an individual policy, a family floater or a multi-individual policy. Adults can join from age 18, and the prospectus sets no upper entry age. Children can join from 91 days old up to age 25. A floater is described as Self + Spouse/Live-in Partner + Dependent Children, with up to 2 adults and 4 children on one policy that shares a single sum insured. On a multi-individual policy each person has the full sum insured.
You can choose from 9 sum insured options: ₹5 lakh, ₹7.5 lakh, ₹10 lakh, ₹15 lakh, ₹20 lakh, ₹25 lakh, ₹50 lakh, ₹1 crore and Unlimited. Policy terms run from 1 to 5 years.
Waiting periods
The prospectus offers optional covers to shorten waiting periods: "Reduction of specified disease waiting period (24 to 12 months)" and "Reduction of pre-existing disease waiting period (36 to 24 or 12 months)". Their existence points to a standard wait of 24 months for specified diseases and 36 months for pre-existing diseases. Treat those two figures as a pointer and confirm the exact waiting periods in the policy wording or with an advisor before you decide. The calculator lets you pick these waiting period options as optional covers, but the prospectus publishes no price for them, so they are marked as an advisor quote.
How the premium is built
Three things set the base premium: the age of each person (in five-year bands), the zone where you live, and the sum insured. On a floater, each adult and each child is charged a floater rate for their age. On an individual policy, each person is charged an individual rate. The figures exclude taxes and any medical-underwriting loading, so the final premium is confirmed when the proposal is submitted.
Longer terms carry a discount on later years: 10% on year 2, 12.5% on year 3, 14% on year 4, 16% on year 5. Paying in instalments adds a loading to the annual premium: monthly 4%, quarterly 3%, half-yearly 2%. Instalments are not offered for monthly on 4 and 5-year terms or quarterly on 4 and 5-year terms, and the long-term discount does not apply when you pay in instalments. The calculator shows both versions so you can compare them.
How zone and age change the price
Zone is a large lever. A 38-year-old on a ₹10 lakh individual policy pays ₹9,042 in Zone A, ₹7,912 in Zone B, ₹7,460 in Zone C. Age matters more still: in Zone A the same ₹10 lakh cover costs ₹9,042 for someone aged 36 to 40 and ₹35,270 for someone aged 61 to 65. Because the premium moves in bands, a birthday inside a band changes nothing, while crossing into the next band does. You can see the full tables on the premium chart, or look at a single zone, cover or age in the pages linked from the Super Star overview.