Star Health insurance vs SBI General Health Insurance

Compare Star Health vs SBI General 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 SBI General
Claims Settlement Ratio ** 81.62% 62.73%
Number of Lives Covered * 1,16,17,000 27,48,000
Network Hospitals 9,900 + 6,000 +
  • * 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 SBI General SBI General SBI General SBI General
Medi Classic Comprehensive plan Family Health Optima Arogya Sanjeevani Retail Health Arogya Premier Arogya Plus 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 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 1% of sum insured per day Covered Covered 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 2% of sum insured per day Covered Covered Up to 5% of the 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 Up to 30 days Up to 60 days Up to 60 days 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 Up to 60 days Up to 90 days Up to 90 days 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 142 day care expenses covered 142 day care expenses covered 142 day care expenses covered All the day care treatments
Domiciliary Treatment
Covered Covered Not Covered Covered 20% of the sum insured maximum up to Rs.20,000 Insurer will cover reasonable and customary charges towards domiciliary hospitalisation. Insurer will cover reasonable and customary charges towards domiciliary hospitalisation. Not 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 1% of sum insured per policy period up to a maximum of Rs.1,500 Actual Actual ambulance expenses or Rs.1,500 Subject to a 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 Covered Covered 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 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
Ayurvedic medicine: Covered up to maximum 15% of sum insured per policy period up to a maximum of Rs.20,000
Homeopathic and Unani system of medicine:Covered up to maximum 10% of sum insured per policy period up to a maximum of Rs.15,000
Covered 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 Not Covered Reasonable and customary charges towards maternity expenses during hospitalisation are covered after first 9months from the date of inception of first policy Covered but only under OPD section and up to OPD Limit specified in policy schedule. 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 Not Covered Not Covered 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 Not Covered Not Covered Not Covered Not Covered
Daily Cash for Accompanying an Insured Child
Not Covered Not Covered Not Covered Not Covered Rs.500 for each completed day of hospitalisation of a child below 10 years of age, subject to maximum of 30 days during the policy period. 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 Covered Covered Not Covered 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 1% of sum insured up to a maximum of Rs.2,500 for every 4 claims free year Rs.5,000 for every 4 claims free year Not Covered 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 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 No co-pay for treatment in Network / 10% in Non Network Hospitals No co-pay for all treatment No co-pay for all treatment 5% Co pay applicable 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 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 4 years.
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 Not Covered Covered up to 100% of base sum insured Covered up to 100% of base sum insured Not Covered
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% 5% every year, maximum up to 25% of sum insured 10% every year, maximum up to 50% of sum insured Not Covered 5% every year, maximum up to 25% of sum insured
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 Up to Rs.100,000 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 50,000 to 5 Lakhs 10 to 30 Lakhs 1 to 3 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 1/2/3 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 to 115 years (dependents 91 days to 17 years) Adults from 18 to 115 years (dependents 91 days to 17 years) Adults from 18 to 75 years (dependents 91 days to 17 years) Adults from 18 to 65 years (dependents 91 days to 17 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
Claims loading
No 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 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
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Indian Health Insurance Resources

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