Star Health vs IFFCO Tokio Health Insurance

Compare Star Health vs IFFCO Tokio 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 IFFCO Tokio
Claims Settlement Ratio** 81.62% 102.43%
Number of Lives Covered* 1,16,17,000 22,015,000
Network Hospitals 9,900 + 5,000 +
  • * 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 IFFCO Tokio IFFCO Tokio IFFCO Tokio IFFCO Tokio
Medi Classic Comprehensive plan Family Health Optima Arogya Sanjeevani Family Health Protector Swasthya Kavacha Policy Individual Medishield Policy Swasthya Raksha Bima
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
Individual Health Protector: Covered.
Family Health Protector: Covered.
Not covered Not covered Not 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
Individual Health Protector: Covered up to sum insured.
Family Health Protector: Covered up to sum insured.
Base plan: 1.0% of the sum insured.
Wider plan: 1.5% of basic sum insured.
Covered up to a specified limit. Normal Room expenses: 1% of the Sum Insured per day
ICU Charges
Covered Actual Covered 5% of sum insured, maximum up to Rs.10,000 per day
Individual Health Protector: Covered up to sum insured.
Family Health Protector: Covered up to sum insured
Base plan: 2.0% of the sum insured.
Wider plan: 2.5% of the sum insured.
Covered up to a specified limit. Sub limit per day for ICU : 2.0% of the Sum Insured 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
Individual Health Protector: Up to 45 days.
Family Health Protector: Up to 45 days.
30 days before hospitalization Covered Up to 60 days Covered 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
Individual Health Protector: Up to 60 days.
Family Health Protector: Up to 60 days.
30 days after hospitalization Covered Up to 60 days Covered Up to 30 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
Individual Health Protector: Covered
Family Health Protector: Covered
Not covered Up to 121 day care surgeries covered. Defined day care surgeries.
Domiciliary Treatment
Covered Covered Not Covered Covered
Individual Health Protector: up to 20% of the sum insured are covered
Family Health Protector: up to 20% of the sum insured are covered
Maximum sub-limit of 20% of the basic sum insured. Maximum sub-limit of 20% of the basic sum insured. Covered up to a max sub-limit of 20% of sum insured.
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
Individual Health Protector: 1% of sum insured or Rs. 2500, whichever is less.
Family Health Protector: 0.75% of sum insured or Rs. 2500, whichever is less.
Base plan: Rs.750 or actual, whichever is less for each claim.
Wider plan: Rs.1500 or actual, whichever is less .
1% of sum insured up to a maximum of Rs.1500. Maximum to Rs.750 for each admissible claim.
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
Individual Health Protector: Not covered
Family Health Protector: Not covered
Covered Not covered 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
Individual Health Protector: Not covered
Family Health Protector: 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 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
Individual Health Protector: Covered
Family Health Protector: Covered
Not covered Not covered Not 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
Individual Health Protector: Not covered
Family Health Protector: Not covered
Not covered 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
Individual Health Protector: Not covered
Family Health Protector: Not covered
Not covered Not covered Not covered
Organ Donor Expenses
Basic: Not Covered;
Gold: Covered
Covered 10% of sum insured or Rs.100,000 Not Covered
Individual Health Protector: Covered
Family Health Protector: Covered
Covered This plan offers coverage for medical expenses up to sum insured, on harvesting organ from the donor, for the insured. Actual within the overall limit of Sum Insured
Vaccination (In case of post bite treatment)
Not Covered Not Covered Not Covered Not Covered
Individual Health Protector: Up to 10% of total premium paid at end of block of 2 continuous, claim free policies.
Family Health Protector: Up to 7.5% of total premium paid at end of block of 2 continuous, claim free policies.
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
Individual Health Protector: 1% of basic sum insured at end of block of 4 continuous, claim free policies.
Family Health Protector: Up to 1% of basic sum insured at end of block of 4 continuous, claim free policies.
Not Available This plan offers health check-up benefit equal to 1% of sum insured once every 4 continuous claim free years. 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
Individual Health Protector: 0.20% of sum insured.
Family Health Protector: 0.15% of sum insured, subject to a maximum of Rs. 1,000.
Base plan: Rs.150 per day
Wider plan: Rs.250 per day
Covered up to a maximum Rs. 250 per day during hospitalization. Rs.150 per day of Hospitalization.
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
Individual Health Protector: Not covered
Family Health Protector: Not covered
Not covered This plan does not have co-pay option. However, for packaged treatments, a sub limit equal to 80% of the sum insured is applicable. 35% Co-pay if the insured person undergoes medical treatment in Zone A Cities/Towns
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
Individual Health Protector: Not covered
Family Health Protector: Not covered
Pre-existing diseases covered after 4 years of continuous coverage with us. Any pre-existing disease for a period of 3 years is not covered. 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 upto 100% of Base sum insured for plans with sum insured 3 lakhs and above Not applicable
Individual Health Protector: Not covered
Family Health Protector: Not covered
Not covered Not covered Not covered
General waiting period
30 days 30 days 30 days 30 days 30 days Not covered Not covered Not covered
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%
Individual Health Protector: 5% of sum insured, maximum of 50% for claim free policy.
Family Health Protector: 5% of sum insured, maximum of 50% for claim free policy.
Base plan: N/A
Wider plan: Increase by 5% of basic sum insured at each renewal, maximum of 50% of basic sum insured
5% is offered for each claim free year at renewals. It is subject to a maximum 50% of the basic sum insured. In case, a claim is made, the bonus gets reduced by 10% at next renewal.
Not covered
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
Individual Health Protector: Not covered
Family Health Protector: Not covered
Not covered Not covered 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
Individual Health Protector: Rs.50,000 to Rs.20 Lakh.
Family Health Protector: Rs.1.5 Lakh to Rs.30 Lakh
Rs.2 Lakh to Rs.5 Lakh in multiples of Rs.1 Lakh. Rs.50, 000 to Rs.5,00,000. Rs.1 Lakh to Rs.5 Lakh in multiples of Rs.1 Lakh.
Policy can be purchased for
1/2 years 1/2 years 1 year 1 year -- -- 1 years 1 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)
Individual Health Protector: 18 years and 65 years
dependent kids from the age of 91 days.
Family Health Protector: 18 and 65 years
Dependent kids are insured from Day 1
18 years to 65 years
dependent children above 3 months.
The policy offers coverage for persons between the ages of 3 months to 80 years.
18 years to 65 years
dependent children above 3 months.
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 Not covered Not covered Daily cash allowance of 1% of sum insured up to a maximum of Rs.250 is available in this plan. Not covered
Claims loading
No Loading No 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 Yes No
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
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CIN: U66000KA2018PTC117713 | IRDAI Web aggregator License Code Number: IRDAI / INT / WBA /53/ 2018, Valid till 07/08/2025