Star Health vs HDFC ERGO Health Insurance

Compare Star Health vs HDFC Ergo 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
* Name, Email Id & Mobile No. are required 
Star Health HDFC Ergo
Claims Settlement Ratio ** 81.62% 85.97%
Number of Lives Covered * 1,16,17,000 96.05,000
Network Hospitals 9,900 + 10,000 +
  • * 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 Hdfc ergo Hdfc ergo Hdfc ergo
Medi Classic Comprehensive plan Family Health Optima Arogya Sanjeevani Health Suraksha Health Suraksha Silver 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 Covered Covered 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 At Actual capping on room rent Up to 2% of the sum insured subject to maximum of Rs.5,000 per day.
ICU Charges
Covered Actual Covered 5% of sum insured, max up to Rs.10,000 per day At Actuals Covered Up to 5% of sum insured subject to maximum of 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 60 days before the date of admission to the hospital 60 days before the date of admission to the hospital 30 days before the date of admission to the hospital
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 180 days after discharge from the hospital 180 days after discharge from the hospital 60 days after discharge from the hospital
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 Covered Covered Covered
Domiciliary Treatment
Covered Covered Not Covered Covered Covered 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
Silver Smart: Rs.2,000
Gold Smart: Rs.3,500
Platinum Smart: Sum insured 20 to 50 lakhs: Rs.3,500;
Sum insured 50 & 75 lakhs : Rs.15,000
Covered Maximum of 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 Dental treatment, necessitated due to disease or injury
Bariatric Surgery
Not Covered
5 to 15 Lakhs: Rs.2,50,000
20 Lakhs to 1 Crore: Rs.500,000
Not Covered Not Covered Not Covered Not Covered Not 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
Covered Covered
Expenses incurred for inpatient care treatment under Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy.
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 Covered(Optional)
(Waiting period : 3 years)
Not Covered 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 Up to parent care sum insured(Optional) Not Covered 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
Silver Smart: Rs.5,000
Gold Smart: Rs.5,000
Platinum Smart: Sum insured 20 to 50 lakhs: Rs.5,000
Sum insured 50 & 75 lakhs: Rs.15,000
(Optional)
Not Covered Not Covered
Organ Donor Expenses
Basic: Not Covered
Gold: Covered
Covered 10% of sum insured or Rs.100,000 Not Covered Covered Covered Not Covered
Vaccination (In case of post bite treatment)
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 Covered
1% of Sum Insured after every 4 consecutive and continuous claim free years with us (Subject to a maximum up to Rs.5,000)
Not 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 Covered up to Sum Insured Covered up to Sum Insured Not Covered
Daily Cash for Accompanying an Insured Child
Not Covered Not Covered Not Covered Not Covered Not Covered Not Covered 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
Silver Smart: No co-pay for all treatment, Optional Co pay available between 10%/20%;
Gold Smart : No co-pay for all treatment, Optional Co pay available between 15%/25%;
Platinum Smart: No co-pay for all treatment, Optional Co pay available between 15%/25%
NIL / co-pay applicable upto 20% for treatment in higher class cities 5% co-pay on all claims
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 Pre-existing diseases covered after 3 years of continuous coverage Pre-existing diseases covered after 4 years of continuous coverage Pre-existing diseases covered after 4 years of continuous coverage
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 Sum Insured Rebound upto 100% of Sum Insured per year Not Covered Not Covered
General waiting period
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%
Silver Smart & Gold Smart: 10% on base sum insured for every claim free year and up to 100%;
Platinum Smart: 25% on base sum insured for every claim free year and up to 200%
5% 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
Silver Smart:Not Covered;
Gold Smart: Up to 2 lakhs;
Platinum Smart : Up to 5 lakhs.
Not Covered Not Covered
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
Silver Smart: 3 to 5 Lakhs
Gold Smart: 7.5 to 15 Lakhs
Platinum Smart: 20 to 75 Lakhs
3 to 50 Lakhs 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
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 Years to lifetime entry (dependents 91 days to 25 years) Adults from 18 Years to lifetime entry (dependents 91 days to 25 years) Adults from 18 to 65 years (dependents 91 days to 25 years).If the child above 18 years of age is financially independent, he or she shall be ineligible for coverage in the subsequent renewals
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
Claims loading
No Loading No Loading No Loading No Loading Loading Loading No Loading
Portablity(At the time of renewal)
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
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CIN: U66000KA2018PTC117713 | IRDAI Web aggregator License Code Number: IRDAI / INT / WBA /53/ 2018, Valid till 07/08/2022