Star Health Insurance Premium Chart: What Star's Own 2026 Rate Tables Say

1. What you are downloading

Each file is a full Star prospectus: who can buy the product, what it covers, the discounts and loadings, and then the premium chart. The charts are the last pages. Star's downloads page lists brochures and prospectuses for every retail product, and none of them is a standalone "premium chart" ^[1,2].

We started with three. Family Health Optima is Star's best-known family floater, and the copy here is version 16, dated 2026 ^[3]. Star Comprehensive is the product that prices individual and floater cover side by side up to ₹1 crore ^[4]. Arogya Sanjeevani is the simplest of the three: a one-year plan from ₹50,000 to ₹10 lakh of cover ^[5].

On 12 October 2026 we added three more. Super Star is priced by exact age and is sold with cover from ₹5 lakh to unlimited ^[2]. Star Health Assure is a family plan sold up to ₹2 crore ^[6]. Senior Citizens Red Carpet is Star's plan for people who join between 60 and 75.

A correction: this page said until 12 October 2026 that Star publishes the Super Star prospectus without its chart. The file name says so, but the document prints the rates on its last thirteen pages under the heading "Base Premium" ^[1,2]. We had searched it for the words "premium chart" and found none.

2. How to read the chart

Find four things before you look at a number: your family size, your age band, the sum insured, and, for every product here except Arogya Sanjeevani and Red Carpet, your zone.

1. Family size. Rows are labelled 1A, 2A, 2A+1C and so on, where A is an adult and C a child. Family Health Optima is floater-only, and the smallest family on its chart is 1A+1C. Parents and parents-in-law are priced per head on separate pages ^[3].
2. Age band. The chart prints bands, not exact ages. The prospectuses do not say whose age sets the band on a floater, so ask before you buy.
3. Zone. Look your city up on printed page 37 of Family Health Optima or page 2 of Star Comprehensive. The zone lists differ between products: Mumbai is Zone B on Family Health Optima and Zone A on Star Comprehensive and Super Star ^[3][4][2]. Super Star has three zones, Family Health Optima and Star Health Assure four, Star Comprehensive five.
4. Which chart. Family Health Optima prints a "Fresh Customers" set and an "Other Customers" set. The second is higher, carries the renewal-only ₹1-4 lakh sums insured, and tells you to apply the claim-experience discount ^[3]. The prospectus never defines "other customers". We read it as renewing, ported and migrated policyholders, but we have not confirmed that with Star.

3. Super Star base premium, by age and zone

The zone effect is large and perfectly regular. In every cell we checked, Zone A is about 1.57 times Zone D ^[3]. A Mumbai family pays a little less than a Delhi family; a family in Lucknow or Kolkata pays about two-thirds as much.

One oddity runs through both the Family Health Optima and Star Comprehensive charts. Age 60 is a band of its own, and it is usually cheaper than 56-59 ^[3,4]. Neither prospectus explains it. The older Star Comprehensive chart does: see section 9.

5. Star Health Assure: four zones, up to ₹2 crore

Star Comprehensive is the chart to use if you want to see what floater pricing actually saves. Two adults at 36-45 in Zone A pay ₹25,434 on a ₹10 lakh floater, against ₹31,792 for two individual policies ^[4]. That is about 20% less, for half the total cover ^[4]. Its zone gap is far smaller than Family Health Optima's, because its Zone E is not much cheaper than Zone A.

7. Arogya Sanjeevani: one price for all of India

Red Carpet is the only chart here with no age bands. Anyone who joins between 60 and 75 pays the same premium for the same cover ^[7]: ₹22,347 a year for ₹5 lakh ^[7] and ₹27,533 for ₹10 lakh ^[7]. The chart is one page of a 24-page prospectus, and the pages before it matter more than the price. How Red Carpet's co-payment and limits compare with other senior plans is on the best and worst senior health insurance in India.

9. How Star's charts changed between 2024 and 2026

Star replaces each prospectus on its server when it revises one, so the old chart disappears. The Wayback Machine kept copies of five of them from March 2025. This table puts the same cell from the old chart and the current one side by side.

The loadings matter most for anyone with a known condition, because they are applied from the start and carried into every renewal ^[3,4,5]. A chart price for a diabetic 50-year-old is a floor, not a quote.

Joining after 60 has its own cost. The co-payment for joining at 61 or older is 20% of every claim on Family Health Optima ^[3] and 10% on Star Comprehensive ^[4]. The premium tables do not show it, so a senior comparing the charts alone will rank these products wrongly.

11. What these documents do not tell you

They do not tell you your price. Star quotes after underwriting, and the prospectuses say only that a loading or exclusion will come as a counter-offer ^[3,4,5]. Each one shows only its own current rates; the comparison in section 9 needed the earlier files. And they do not say which product a claims team treats most generously.

Our view: for most families the chart price is the least useful number in these PDFs. The co-payment, the room-rent rule and the senior entry terms decide what a claim actually pays, and those sit on the earlier pages of the same documents.

12. Where this fits

If you are buying for parents over 60, Star's dedicated senior plan is Red Carpet, in section 8. How it and other senior plans compare on cost is on what senior health insurance costs in India. If a renewal has jumped, insurers may not raise a senior citizen's premium by more than 10% a year ^[13]; the rule and how to use it are on can your insurer raise a senior's premium by more than 10%. The full senior ranking is at the best and worst senior health insurance in India.

Star can revise its premium rates, telling policyholders thirty days before the change, and the versions here are the ones live on 2 October 2026, or 12 October 2026 for Super Star, Star Health Assure and Red Carpet. Check the official copies on starhealth.in/downloads before relying on a rate for a purchase.