Star Health vs Bajaj Allianz health insurance

Compare Star Health vs Bajaj Allianz

Plan Type
Health
Coverage type
Coverage State
Coverage City
Date of birth
  OR age    years
Coverage amount
Gender
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Star Health Medi Classic Star Health Comprehensive plan Star Health Family Health Optima Star Health Arogya Sanjeevani bajaj-allianz Health Gurad bajaj-allianz Health Ensure bajaj-allianz Health Care Supreme bajaj-allianz Arogya Sanjeevani
Medi Classic
Basic
Gold

N/A for Family

Comprehensive
Family Health Optima

N/A for Individual

Arogya Sanjeevani
Health Guard
Gold
Platinum
Silver
Health Ensure
Health Care Supreme
Ultimo
Vital
Smart
Arogya Sanjeevani
In-patient Treatment
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 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
Basic: 2% of base sum insured maximum up to Rs.5,000
Gold - 3 & 4 Lakhs: Rs.5,000 per day
5 to 25 Lakhs: Private single A/c Room
Private single standard A/c Room
3 & 4 Lakhs: Rs.5,000 per day
5 to 25 Lakhs: Single standard A/c room
2% of sum insured subject to a maximum of Rs.5,000 per day
Silver plan: Up to 1% of Sum Insured per day (Excluding Cumulative Bonus) or actual, whichever is lower
Gold: No sublimits
1% of sum insured per day max.Rs.5,000 per day Actual 2% of sum insured, maximum up to Rs.5,000 per day
ICU Charges
Covered Actual Covered 5% of sum insured, maximum up to Rs.10,000 per day Actual 2% of sum insured per day maximum Rs.10,000 per day Actual 5% of sum insured, maximum up to Rs.10,000 per day
Pre-hospitalization
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 Up to 60 days Up to 30 days Up to 60 days Up to 30 days
Post-hospitalization
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 Up to 90 days Up to 60 days Up to 90 days Up to 60 days
Day Care Procedures
All day care procedures are covered All day care procedures are covered All day care procedures are covered All day care procedures are covered All day care procedures are covered All day care procedures are covered All day care procedures are covered Covered
Domiciliary Treatment
Covered Covered Not Covered Covered Not Covered Not Covered Not Covered Any expenses incurred on Domiciliary Hospitalization
Emergency Ambulance
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 Up to Rs.20,000 per policy year Up to Rs.1,000 per hospitalisation Up to sum insured Up to Rs.2,000 per hospitalisation
Dental Treatment
Not Covered
5 & 7.5 Lakhs: Rs.5,000
10 to 25 Lakhs: Rs.10,000
50 Lakhs to 1 Crore: Rs.15,000
Not Covered Not Covered Not covered Not covered Covered out patient expenses procedures – Root Canal Treatment, Extractions Not covered
Bariatric Surgery
Not Covered
5 to 15 Lakhs: Rs.2,50,000
20 Lakhs to 1 Crore: Rs.500,000
Not Covered Not Covered
50% of Sum insured maximum up to Rs.5 lakhs
(waiting period 3years)
Not Covered Covered if medically indicated Not Covered
Ayush Benefit
Not Covered
5 to 15 Lakhs: Rs.15,000 per policy period
20 & 25 Lakhs: Rs.20,000 per policy periodbr>50 Lakhs to 1 Crore: Rs.30,000 per policy period
3 & 4 Lakhs: Up to Rs.10,000 per policy period
5 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
Covered Covered up to 20% of Sum Insured Covered Covered
Maternity Benefits
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
10 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
Silver plan: Up to 1% of Sum Insured per day (Excluding Cumulative Bonus) or actual, whichever is lower
Gold: No sublimits
Not Covered
Up to Rs.25,000 to Rs.1 lakh
( waiting period: 2 years)
Not Covered
New Born baby cover
Not Covered
5 to 25 Lakhs: Rs.100,000
50 Lakhs to 1 Crore: Rs.200,000
Up to 10% of sum insured or maximum of Rs.50,000 subject to availability of the sum insured (from 16th day to till the expiry of the policy)
(provided if mother is insured for 12 months without break)
Not Covered 50% of Sum insured maximum up to Rs.5 lakhs Not Covered Covered if medically indicated Not Covered
Vaccination of the new born baby
Not Covered
5 to 25 Lakhs: Rs.5,000
50 Lakhs to 1 Crore: Rs.10,000
Not Covered Not Covered Covered Not Covered Covered Not Covered
Organ Donor Expenses
Basic: Not Covered
Gold: Covered
Covered 10% of sum insured or Rs.100,000 Not Covered Covered up to sum insured Covered up to sum insured Available up to Rs.500,000 Not Covered
Vaccination (In case of post bite treatment)
Not Covered Not Covered Not Covered Not Covered Not Covered Not Covered Not Covered Not Covered
Health Check-up
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 & 25 Lakhs: Rs.4,500
50 Lakhs to 1 Crore: 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 Every 3 years, 1% of sum insured, maximum Rs.5,000, irrespective of claim Every 3 years, 1% of sum insured, maximum Rs.1,500, irrespective of claim Annual Not Covered
Hospital daily allowance
Not Covered
5 Lakhs: Rs.500
7.5 & 10 Lakhs: Rs.750
15 & 20 Lakhs: Rs.1,000
25 Lakhs: Rs.1,500
50 Lakhs & 1 Crore: Rs. 2,500
(maximum 7 days/occurrence is payable)
Not Covered Not Covered Not Covered Not Covered Up to Rs.1,000 per day Not Covered
Co-pay
No co-pay if entry age is below 60 years / 20% co-pay for ages above 60 years No co-pay if entry age is below 60 years / 20% co-pay for ages above 60 years No co-pay if entry age is below 60 years / 20% co-pay for ages above 60 years 5% co-pay applicable on all claims
Co-pay options of NIL / 20% based on Zonewise treatment availed
Co-pay options of NIL / 20% based on Zonewise treatment availed Not Applicable Not Applicable
Pre-existing diseases 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 Covered after a waiting period of 3 years Covered after a waiting period of 2 years Covered after a waiting period of 2 years Covered after a waiting period of 4 years
Restore Benefit
200% of Base Sum Insured for unrelated illness/diseases 100% of Base Sum Insured for unrelated illness/diseases Thrice upto 100% of Base sum insured for plans with sum insured 3 lakhs and above Not Applicable Restoration benefit available upto 100% of Base sum insured Not Applicable Restoration benefit available upto 100% of Base sum insured Not Applicable
General waiting period
30 days 30 days 30 days 30 days 30 days 30 days 30 days 30 days
Renewal Benefit / Cumulative Bonus
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% 10% of base sum insured per annum up to 10 years (if without any break no claim in the preceding year) 5% on base sum insured for every claim free year and up to 25% 10% on base sum insured for every claim free year and up to 50% 5% on base sum insured for every claim free year and up to 50%
Emergency Air Ambulance
Not Covered Up to Rs.2,50,000 per hospitalization, not exceeding Rs.5,00,000 per policy period
3 to 5 Lakhs: Not Covered
5 to 25 Lakhs: Up to 10% of the sum insured
Not Covered Not Covered Not Covered Rs.50,000 to Rs.5 lakhs Not Covered
Available sum insured options
Basic plan : Rs.1.5 to 15 Lakhs
Gold plan: Rs.3 to 25 Lakhs
Rs.5 Lakhs to 1 Crore Rs.3 to 25 Lakhs Rs.1 to 5 Lakhs
Silver Plan: Rs.1.5 Lakhs, 2 Lakhs;
Gold Plan: Rs.3 to 50 Lakhs
Individual: Rs.50,000 to 10 Lakhs;
Floater: Rs.2 to 10 Lakhs
Rs.5 to 50 Lakhs Rs.1 to 5 Lakhs
Policy can be purchased for
1/2 years 1/2 years 1 year 1 year 1/2/3 years 1/2/3 years 1 year 1 year
Eligibility criteria
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) Adults from 18 to 65 years (dependents 3 months to less than 30 years) Adults from 18 to 99 years (dependents 3 months to less than 30 years) Adults from 18 to 99 years (dependents 3 months 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 Renewal for whole life Renewal for whole life
Daily Cash for Accompanying an Insured Child
Not Covered Not Covered Not Covered Not Covered Up to Rs.500 per day maximum up to 10 days during each policy year Not Covered Not Covered Not Covered
Claims loading
No Loading No Loading No Loading No Loading No Loading 5% for one condition ,maximum up to 25% 10% for one condition , maximum up to 50% No Loading
Portablity (At the time of renewal)
Yes Yes Yes Yes Yes Yes Yes Yes
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 Income tax benefit under section 80D Income tax benefit under section 80D
Useful Links
Star Health Bajaj Allianz
Claims Settlement Ratio** 81.62% 94.55%
Number of Lives Covered* 1,16,17,000 2,46,85,000
Network Hospitals 9,900 + 6,500 +
  • * 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 07/08/2022