Articles December 24, 2020

Health insurance is a necessity in today’s times as it helps cover all your medical expenses, which could prove costly for you if you do not have this cover. Since there are many health insurance plans in the market, one must compare plans and figure out the best fit for them. Here, we will compare two of the best health insurance plans – Star Senior Citizens Red Carpet Health Insurance Policy vs Max Bupa Health Companion Family First. We will assess these plans based on the sum insured, coverage, term, payments, etc. So, let’s start comparing the two.

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Star Senior Citizens Red Carpet Health Insurance Policy vs Max Bupa Health Companion Family First Comparison

Sum Insured

You must have been looking for a high sum insured, so the policy doesn’t exhaust when you make a claim. MAX Bupa Health Companion Family First Health Insurance gives you three plan variants where the sum insured differ from each other.

  1. Variant 1: Sum Insured – INR 3,00,000 to INR 4,00,000
  2. Variant 2: Sum Insured – INR 5,00,000 to INR 12,50,000
  3. Variant 3: Sum Insured – INR 15,00,000 to INR 1,00,00,000

On the other hand, if you buy Star Senior Citizens Red Carpet Health Insurance Policy, you will get a sum insured up to INR 25 lakh.

Premium

The next thing you should consider after the sum insured is the policy premium payment. Because the premium should be within your budget. Let’s check out the starting premium amount for these health insurance policies.

Star Senior Citizens Red Carpet Health Insurance Policy – INR 4,450 for Individual plan and 38,250 for family floater plan.

Max Bupa Health Companion Family First Policy – For both individual and family floater plan INR 5,085.

Pre-& Post-Hospitalization Expenses

Star Senior Citizens Red Carpet Health Insurance Policy covers medical expenses for a period up to 30 days before hospitalization for covered illness or injury. And the post-hospitalization expenses equal 7% of the hospitalization bill that includes Nursing Charges, Surgeon/Consultant fees, Diagnostic charges, Medicines and drug expenses, subject to the limits as shown below.

Sum Insured (In INR)Limit on Post-Hospitalization Expenses per policy period (In INR)
1 to 7.50 lakh5,000
10 to 15 lakh7,000
20 to 25 lakh10,000

Max Bupa Health Companion Family First Policy – This policy will cover the medical expenses up to 30 days before hospitalization and up to 60 days after a discharge from the hospital.

Health Check-up

For Star Senior Citizens Red Carpet Health Insurance Policy, the Health Check-up claim amount is as per the table below –

Sum AssuredLimit per person (for an Individual Policy)Limit per person (for a family floater)
INR 1-4 lakhN/AN/A
INR 5-7.50 lakhINR 1,00N/A
INR 10-15 lakhINR 2,000INR 2,000
INR 20-25 lakhINR 2,500INR 2,500

Note – This health check-up cost will be claimable only for claim-free years.

Max Bupa Health Companion Family First Policy – INR 1,000 per day

Deductible

Deductibles in health insurance play an important role in claim settlement as the insurer will pay the claim only if you first pay the deductible amount. Check out the policy deductible limits below:-

Star Senior Citizens Red Carpet Health Insurance Policy – The policy subject to deductibles as per the policy contract.

Max Bupa Health Companion Family First Policy – Deductible of INR 1, 2, 3, 4, 5 and 10 lakh as per your sum insured.

Daycare Treatments

All your daycare treatments will be covered either you go for Star Senior Citizens Red Carpet Health Insurance Policy or Max Bupa Health Companion Family First.

Modern Treatments

With increasing medical technologies, there are some modern treatments for illness or injury. Both these policies cover such treatments. But which of two – Star Senior Citizens Red Carpet Health Insurance Policy vs Max Bupa Health Companion Family First covers the maximum? Let’s find out!

Star Senior Citizens Red Carpet Health Insurance Policy – Balloon Sinuplasty, Deep Brain Stimulation, Oral Chemotherapy, Immunotherapy-Monoclonal Antibody to be given as an injection, Intra Vitreal injections, Robotic surgeries, Uterine artery Embolization and HIFU, Stereotactic radio surgeries, Bronchial Thermoplasty, Vaporisation of the prostate (Green laser treatment/holmium laser treatment), IONM-(Intra Operative Neuromonitoring), Stem cell therapy: Hematopoietic stem cells for bone marrow transplant for hematological conditions. All these can be covered up to the Sum Insured.

Max Bupa Health Companion Family First – Under this policy, modern treatments are covered up to Sum Insured with a sub-limit of INR 1 lakh on a few robotic surgeries.

ICU Charges & Room Rent Limit

While buying a policy, you should check its ICU and room rent limit as they are an integral part of your hospital bills, and if there is a sub-limit, you need to pay the rest of the payment. Check out the Star Senior Citizens Red Carpet Health Insurance Policy vs Max Bupa Health Companion Family First ICU and room rent limit.

Star Senior Citizens Red Carpet Health Insurance Policy – Under the policy Hospitalization Cover, your room rent and ICU limit will be as follows:-

Sum Insured (in INR)Room Rent Limit (in INR)ICU Limit (in INR)
1-5 lakhUp to 1% of the sum insuredUp to 2% of the sum insured
7.50-10 lakhUp to INR 6,000Up to 2% of the sum insured
15 lakhUp to INR 7,000Actuals
20 lakhUp to INR 8,500Actuals
25 lakhUp to INR 10,000Actuals

Max Bupa Health Companion Family First – Under this policy, room rent and ICU limits are covered up to the Sum Insured, except for suite and other room categories.

Exclusions from Star Senior Citizens Red Carpet Health Insurance Policy vs Max Bupa Health Companion Family First

Check out below the exclusions from Star Senior Citizens Red Carpet Health Insurance Policy vs Max Bupa Health Companion Family First. Exclusions mean the policy will not cover the expenses incurred on the following procedures –

  1. Investigation & Evaluation
  2. Obesity/Weight Control Programmes
  3. Rest Cure, rehabilitation and respite care
  4. Change-of-Gender treatments
  5. injury/illness due to participation in hazardous or adventure sports
  6. Breach of law
  7. Treatment at excluded providers
  8. Alcoholism, drug or substance abuse
  9. Health hydros, nature cure clinics, spas or similar establishments
  10. Non-prescribed dietary supplements and substances
  11. Refractive Error
  12. Unproven Treatments
  13. Sterility and Infertility
  14. Maternity treatment expenses
  15. Circumcision
  16. Congenital External Condition/Defects/Anomalies
  17. convalescence, general debility, run-down condition, Nutritional deficiency states
  18. Intentional self-injury
  19. Venereal & Sexually Transmitted Diseases(Other than HIV)
  20. war, invasion,
  21. act of foreign enemy and warlike operations
  22. Nuclear weapons/materials

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