Compare Care vs Star Health
 |
|
 |
|
|
|
|---|---|---|---|---|---|
| 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 + |
| ||
