Care vs Star Health Insurance

Compare Star Health vs HDFC ERGO

Plan Type
Health
Coverage type
Coverage State
Coverage City
Date of birth
  OR age    years
Coverage amount
Gender
* Name, Email Id & Mobile No. are required 
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maternity-health-policy buy-online Star Health Medi Classic Star Health Comprehensive plan Star Health Family Health Optima Star Health Arogya Sanjeevani
Maternity health insurance - JOY
Care health insurance - Care
Medi Classic
Basic
Gold

N/A for Family

Comprehensive
Family Health Optima

N/A for Individual

Arogya Sanjeevani
In-patient Treatment
Covered Covered Covers hospitalisation expenses due to an disease/illness/ injury Covers hospitalisation expenses due to an disease/illness/ injury Covers hospitalisation expenses due to an disease/illness/ injury Covers hospitalisation expenses due to an disease/illness/ injury
Room Rent
Single private room with AC
3 & 4 Lakhs: 1% of sum insured per day
5 to 10 Lakhs: Single private room
15 to 75 Lakhs: Single private room,upgradable to next level
Basic: 2% of base sum insured maximum up to Rs.5,000
Gold - 3 lakhs & 4 lakhs: Rs.5,000 per day
5 lakhs to 25 lakhs: Private single A/c Room
Private Single Standard A/c Room 3 lakhs & 4 lakhs: Rs.5,000 per day
5 lakhs to 25 lakhs: Single Standard A/c Room
2% of Sum Insured subject to a maximum of ₹5,000 per day
ICU Charges
Covered
3 & 4 Lakhs: 2% of sum insured per day
5 to 75 Lakhs: No limit
Covered Actual Covered 5% of sum insured, Max up to Rs.10,000 per day
Pre-hospitalization
30 days before the date of admission to the hospital Up to 30 days Incurred for a period not exceeding 30 days prior to the date of hospitalization, for the disease/illness, injury Up to 60 days Up to 60 days Up to 30 days
Post-hospitalization
60 days after discharge from the hospital Up to 60 days Basic - 60 days from the date of discharge from the hospital (payble 7% of hospitalization expenses maximum of Rs.5,000 per hospitalization)
Gold - 60 days from the date of discharge from the hospital
Up to 90 days Up to 90 days 60 days after discharge from the hospital
Day Care Procedures
Covered Covers more than 540 day Care treatments All day care procedures are covered All day care procedures are covered All day care procedures are covered All day care procedures are covered
Domiciliary Treatment
Not covered Up to 10% of sum insured Covered Covered Not covered Covered
Emergency Ambulance
Up to a limit of Rs.1,000 per claim
3 & 4 Lakhs: Rs.1,500 per hospitalisation
5 to 10 Lakhs: Rs.2,000 per hospitalisation
15 to 40 Lakhs: Rs.2,500 per hospitalisation
50 to 75 Lakhs: Rs.3,000 per hospitalisation
Up to Rs.750 per hospitalisation and overall limit of Rs.1,500 per policy period Actual Up to Rs.750 per hospitalisation and overall limit of Rs.1,500 per policy period Up to Rs 2,000 per hospitalisation
Dental Treatment
Not covered Not covered Not covered 5 lakhs & 7.5 lakhs: Rs.5,000
10 lakhs to 25 lakhs: Rs.10,000
50 lakhs to 1 crore: Rs.15,000
Not covered Not covered
Bariatric Surgery
Not covered Not covered Not covered 5 lakhs to 15 lakhs: Rs.2,50,000
20 lakhs to 1 crore: Rs.500,000
Not covered Not covered
Ayush Benefit
Not covered Covers Non Allopathic treatment like Ayurveda, Homeopathy, Unani & Sidha Not covered 5 lakhs to 15 lakhs: Rs.15,000 per policy period
20 lakhs & 25 lakhs: Rs.20,000 per policy period
50 lakhs to 1 crore: Rs.30,000 per policy period
3 lakhs & 4 lakhs: Up to Rs.10,000 per policy period
5 lakhs to 15 lakhs: Up to Rs.15,000 per policy period
20 lakhs & 25 lakhs: Up to Rs.20,000 per policy period
Covers in-patient care treatment under Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy up to Sum Insured
Maternity Benefits
3 Lakhs: Up to Rs.35,000
5 Lakhs: Up to Rs.50,000(Waiting period: 9 months)
3 & 4 Lakhs: Not covered
5 to 10 Lakhs: Not covered
15 to 40 Lakhs: Not covered
50 to 75 Lakhs: Covered
(Waiting period: 24 months)
Not covered 5 lakhs: Normal delivery - Rs.15,000
Caesarean - Rs.20,000
7.5 lakhs: Normal delivery - Rs.25,000
Caesarean - Rs.40,000
10lakhs to 25 lakhs: Normal delivery - Rs.30,000
Caesarean - Rs.50,000
50 lakhs to 1 crore: Normal delivery - Rs.50,000
Caesarean - Rs.100,000
(24 months for first delivery from first inception of the policy)
(24 months from claim under for next delivery)
Not covered Not covered
New Born baby cover
3 lakhs: Up to Rs 30,000
5 lakhs: Up to Rs 50,000
Not covered Not covered 5 lakhs to 25 lakhs: Rs.100,000
50 lakhs to 1 crore: Rs.200,000
Up to 10% of S.I or maximumof Rs.50,000 subject to availability of the S.I (from 16th day to till the expiry of the policy)
(provided if mother is insured for 12 months without break)
Not covered
Organ Donor Expenses
Not covered
Covered(Optional)
Basic: Not covered
Gold: Covered
Covered 10% of sum insured or Rs.100,000 Not covered
Vaccination (In case of post bite treatment)
Not covered Covered Not covered Not covered Not covered Not covered
Health Check-up
Not covered Covered Up to 1% of the average basic sum insured subjected to max of Rs.5000 , is payable
(Sum insured 2 lakhs & above) .
5 lakhs: Rs.2,000
7.5 lakhs: Rs.2,500
10 lakhs: Rs.3,000
15 lakhs: Rs.4,000
20 lakhs & 25 lakhs: Rs.4,500
50 lakhs to 1crore: Rs.5,000
(Once in a block of every claim free years of continuous renewal)
3 lakhs: Rs.750
4 lakhs: Rs.1,000
5 lakhs: Rs.1,500
10 lakhs: Rs.2,000
15 lakhs: Rs.2,500
20 lakhs: Rs.3,000
25 lakhs: Rs.3,500
(available after every claim free year per policy)
Not covered
Hospital daily allowance
Not covered Fixed lump sum amount for each completed day of hospitalisation payable for a maximum of 5 consecutive days Not covered 5 lakhs: Rs.500
7.5 lakhs & 10 lakhs: Rs.750
15 lakhs & 20 lakhs: Rs.1000
25 lakhs: Rs.1,500
50 lakhs & 1 crore: Rs.2,500
(maximum 7 days/occurrence is payable)
Not covered Not covered
Co-pay
20% co-pay above 60 years 20% co-pay above 60 years No co-pay if entry age is below 60 yrs / 20% co-pay for ages above 60 yrs No co-pay if entry age is below 60 yrs / 20% co-pay for ages above 60 yrs No co-pay if entry age is below 60 yrs / 20% co-pay for ages above 60 yrs 5% co-pay applicable on all claims
Pre-existing diseases coverage
Covered after 4 years of continuous coverage. Covered after 4 years of continuous coverage. Covered after a waiting period of 4 years Covered after a waiting period of 4 years Covered after a waiting period of 2 years Covered after 48 months of continuous coverage without break
Restore Benefit
Not covered
Recharge Up to 100% of Base Sum Insured per year
200% of Base Sum Insured for unrelated illness/diseases 100% of Base Sum Insured for unrelated illness/diseases Thrice up to 100% of Base SI for plans with sum insured 3 lakhs and above Not applicable
General waiting period
30 days 30 days 30 days 30 days 30 days 30 days
Renewal Benefit / Cumulative Bonus
Covered(Optional)
10% for every claim free year up to 50% of sum insured Basic: 5% of the basic sum insured for every claim free year subject to a maximum of 25%
Gold: 25% of basic sum insured in the second year and additional 20% of the basic sum insured for each subsequent years subject to a maximum of 100%
5 lakhs: 50% on base sum insured for every claim free year and up to 100%
7.5 lakhs to 1 crore: 100% of the basic sum insured for every claim free year.
25% of Sum Insured after first year if claim free and additional 10% for the subsequent years
(Maximum allowable bonus is 100%)
5% on base sum insured for every claim free year and up to 50%.
Emergency Air Ambulance
Not covered
Covered(Optional)
Not covered Up to Rs.2,50,000 per hospitalization, not exceeding Rs.5,00,000 per policy period 3 lakhs to 5 lakhs: Not covered
5 lakhs to 25 lakhs: Up to 10% of the Sum Insured
Not covered
Available sum insured options
3 & 5 Lakhs 3 to 75 Lakhs Basic plan - 1.5 lakhs to 15lakhs
Gold plan - 3 lakhs to 25 lakhs
5 lakhs to 1 crore 3 lakhs to 25 lakhs 1 lakh to 5 lakhs
Policy can be purchased for
1/2/3 years 1/2/3 years 1 year / 2 years 1 year / 2 years 1 year 1 year
Eligibility criteria
Adults from 18 to 65 years (dependents 91 days to 17 years) 5 years onwards, Dependent children between 91 days to 5 years can be covered only if both parents are covered under the policy 5 Months to 65 years. Therefore only renewals will be accepted without capping on the exit age Adults from 18 to 65 years (dependents 3 months to less than 25 years) Adults from 18 to 65 years (dependents 16 days to less than 25 years) Adults from 18 to 65 years (dependents 3 months to less than 25 years)
Renewability
Renewal for whole life Renewal for whole life Renewal for whole life Renewal for whole life Renewal for whole life Renewal for whole life
Daily Cash for Accompanying an Insured Child
Not covered Not covered Not covered Not covered Not covered Not covered
Portablity (At the time of renewal)
Yes Yes Yes Yes Yes Yes
Claims loading
No Loading Loading No Loading No Loading No Loading No Loading
Tax Benefits Limit
Income tax benefit under section 80D Income tax benefit under section 80D Income tax benefit under section 80D Income tax benefit under section 80D Income tax benefit under section 80D Income tax benefit under section 80D
Useful Links
Care Star Health
Claims Settlement Ratio ** 95.2 % 81.62%
Number of Lives Covered * 1,07,13,000 1,16,17,000
Network Hospitals 16,500 + 9,900 +
  • * As per IRDAI report for 2018-19
  • ** As per NL25 data published on the Insurance Company website
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CIN: U66000KA2018PTC117713 | IRDAI Web aggregator License Code Number: IRDAI / INT / WBA /53/ 2018, Valid till 07/08/2025