Star Health vs Godigit Health Insurance

Compare Star Health vs Godigit Health Insurance Plans
Plan Type
Health
Coverage type
Coverage State
Coverage City
Coverage amount
Date of birth
  OR age    years
Policy duration
Gender
Start date
End date
* Get insurance updates
Star Health Godigit
Claims Settlement Ratio ** 80.62% 60
Number of Lives Covered * 1,16,17,000 -
Network Hospitals 9,900 + 6,400 +
  • * As per IRDAI report for 2018-19
  • ** As per NL25 data published on the Insurance Company website
Star Health Medi Classic Star Health Comprehensive plan Star Health Family Health Optima Star Health Arogya Sanjeevani Godigit Godigit
Medi Classic Comprehensive plan Family Health Optima Arogya Sanjeevani Digit Health Care Plus Digit Health Plus
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
Maxima Restore Super: All Illness Hospitalization
Early Cover: All Illness Hospitalization
Super Care: All Illness Hospitalization
Covered
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
Maxima Restore Super: No room rent restriction
Early Cover: No room rent restriction
Super Care: No room rent restriction
Covered(shared or private room subject to a Limit Per Day as opted by You and mentioned in Your Policy )
ICU Charges
Covered Actual Covered 5% of sum insured, maximum up to Rs.10,000 per day Covered Covered
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
Maxima Restore Super: 30 days
Early Cover: 30 days
Super Care: 30 days
Covered
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
Maxima Restore Super: 60 days
Early Cover: 60 days
Super Care: 60 days
Covered
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
Maxima Restore Super: Covered
Early Cover: Covered
Super Care: Covered
Covered
Domiciliary Treatment
Covered Covered Not Covered Covered
Maxima Restore Super: Not Covered
Early Cover: Not Covered
Super Care: Not Covered
Covered
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
Maxima Restore Super: 1% upto Rs.5,000
Early Cover: 1% upto Rs.5,000
Super Care: 1% upto Rs.5,000
Covered
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
Maxima Restore Super: Covered
Early Cover: Covered
Super Care: Covered
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
Maxima Restore Super: Covered
Early Cover: Covered
Super Care: Covered
Covered
Ayush Benefit
Not Covered
5 to 15 Lakhs: Rs.15,000 per policy period
20 & 25 Lakhs: Rs.20,000 per policy period
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
Maxima Restore Super: Not Covered
Early Cover: Not Covered
Super Care: Not 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
Maxima Restore Super: Not Covered
Early Cover: Not Covered
Super Care: Not Covered
Covered (if opted by You.)
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
Maxima Restore Super: Not Covered
Early Cover: Not Covered
Super Care: Not Covered
Covered (if opted by You.)
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 Not Covered Vaccinations of the New Born Baby as per National Immunization Schedule as defined by Government of India, up to 90 Days from the date of delivery
Daily Cash for Accompanying an Insured Child
Not Covered Not Covered Not Covered Not Covered
Maxima Restore Super: Not Covered
Early Cover: Not Covered
Super Care: Not Covered
Covered
Organ Donor Expenses
Basic: Not Covered
Gold: Covered
Covered 10% of sum insured or Rs.100,000 Not Covered
Maxima Restore Super: Covered
Early Cover: Not Covered
Super Care: Not Covered
Organ transplantation charges, including donor’s pre and post hospitalization expenses are covered and the limit is 5% of the amount claimed.
Vaccination (In case of post bite treatment)
Not Covered Not Covered Not Covered Not Covered
Maxima Restore Super: Not Covered
Early Cover: Not Covered
Super Care: Not Covered
Covered (if opted by You.)
Health Check-up
Up to 1% of the average basic sum insured subjected to maximum 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
Maxima Restore Super: Covered
Early Cover: Covered
Super Care: Covered
Covered
Hospital daily allowance
Not Covered
5 Lakhs: Rs.500
7.5 & 10 Lakhs: Rs.750
15 & 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
Maxima Restore Super: Covered
Early Cover: Covered
Super Care: Covered
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
Maxima Restore Super: No Age based Co-Payment
Early Cover: No Age based Co-Payment
Super Care: No Age based Co-Payment
Covered
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 4 years of continuous coverage without break
Maxima Restore Super: 2 year waiting period for PED
Early Cover: 2 year waiting period for PED
Super Care: 3 year waiting period for PED & 2 year for Specific illness
Pre-existing Disease as defined in this policy shall not be covered until the number of months of continuous coverage as opted by you and mentioned in policy schedule
Restore Benefit
200% of Base Sum Insured for unrelated illness/diseases 100% of Base Sum Insured for unrelated illness/diseases Thrice up to 100% of Base sum insured for plans with sum insured 3 lakhs and above Not applicable
Maxima Restore Super: Not Covered
Early Cover: Not Covered
Super Care: Not Covered
NIL restoration benefit
General waiting period
30 days 30 days 30 days 30 days
Maxima Restore Super: 30 days
Early Cover: 30 days
Super Care: 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%
Maxima Restore Super: 10% each claim free year (max 50%)
Early Cover: 10% each claim free year (max 50%)
Super Care: 10% each claim free year (max 50%)
You would be eligible for Cumulative Bonus at the time of renewal as mentioned in Your Policy Schedule
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
Maxima Restore Super: Not Covered
Early Cover: Not Covered
Super Care: Not Covered
Air ambulance cover is provided in case of life threatening medical conditions requiring immediate transportation to the proximate hospital.
Available sum insured options
Basic plan: 1.5 to 15 Lakhs
Gold plan: 3 to 25 Lakhs
5 Lakhs to 1 Crore 3 to 25 Lakhs 1 to 5 Lakhs
Maxima Restore Super: Rs.3 to 25 Lakhs
Early Cover: Rs.3 to 25 Lakhs
Super Care: Rs.3 to 25 Lakhs
Starting from Rs. 2 Lakh
Policy can be purchased for
1/2 years 1/2 years 1 year 1 year
Maxima Restore Super: 1/2/3 years
Early Cover: 1/2/3 years
Super Care: 1/2/3 years
1/2/3 years
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 80 years (dependent children will be covered till the age of 25 years)
Between the age group of 1 year and 60 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
Claims loading
No Loading No Loading No Loading No Loading No Loading No Loading
Portablity(At the time of renewal)
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

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CIN: U66000KA2018PTC117713 | IRDAI Web aggregator License Code Number: IRDAI / INT / WBA /53/ 2018, Valid till 07/08/2025