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Health Insurance 549 views February 26, 2021
Worrying about what will happen to your finances in case you or any of your family members face a health emergency later? Well, the concern is valid given the rising healthcare expenses across the country. But there are two popular health insurance plans – Star Comprehensive and Care Freedom Plan – that can pay your medical expenses. Using these health insurance plans, you can cover your hospitalization expenses such as room rent, boarding, nursing, etc. To make your choice between Star Comprehensive vs Care Freedom Plan for Diabetes, you should compare the features and benefits of both policies. So, let’s read this page further and compare Star Comprehensive vs Care Freedom Plan for Diabetes.
Table of Contents
- 1 Compare the Hospitalisation Cover of Star Comprehensive vs Care Freedom Plan for Diabetes
- 1.1 Compare Star Comprehensive vs Care Freedom Plan for Diabetes Sum Insured
- 1.2 Automatic Restoration of Sum Insured Benefit Under Star Comprehensive vs Care Freedom Plan
- 1.3 Compare Star Comprehensive vs Care Freedom Domiciliary Hospitalization
- 1.4 Compare Other Benefits of Star Comprehensive vs Care Freedom Plan for Diabetes Patients
- 1.5 People Also Read
Compare the Hospitalisation Cover of Star Comprehensive vs Care Freedom Plan for Diabetes
Star Comprehensive provides you the hospitalization coverage for the following medical expenses:-
- Room rent, boarding and nursing expenses
- Fees of your attending surgeon, anesthetist, medical practitioner, consultants, specialist
- Expenses of anesthesia, blood, oxygen, operation theatre charges, ICU charges, surgical appliances, medicines/drugs, diagnostic materials, x-ray, diagnostic imaging modalities, dialysis, chemotherapy, radiotherapy and the cost of a pacemaker.
Whereas under Care Freedom Plan for Diabetes patient the following expenses will be covered:-
- Room charges (twin sharing room and single private room)
- Nursing expenses
- ICU charges
- Surgeon’s fee
- Doctor’s fee
- Cost of anesthesia, blood, oxygen, operation theatre, etc.
Note:- The hospitalization period should be at least 24 hours.
Compare Star Comprehensive vs Care Freedom Plan for Diabetes Sum Insured
The sum insured is the maximum limit up to which the insurance company will pay your hospital bills. So let’s see the sum insured options available under the Star Comprehensive vs Care Freedom plan.
| Star Comprehensive Sum Insured Options (In INR) | Care Freedom Sum Insured Options (In INR) |
|---|---|
| 5 Lakh 7.5 Lakh 10 Lakh 15 Lakh 20 Lakh 25 Lakh 50 Lakh 75 Lakh 1 Crore | 3 Lakh 5 Lakh 7 Lakh 10 Lakh |
Automatic Restoration of Sum Insured Benefit Under Star Comprehensive vs Care Freedom Plan
When 100% of the sum insured is exhausted in a policy year, the automatic restoration benefit will refill your sum insured up to 100%. With this feature, you can claim your hospitalization even if your sum insured is exhausted in a policy year. Let’s see whether this benefit is available under Star Comprehensive and Care Freedom Plan.
Star Comprehensive:- The automatic restoration of the basic sum insured happens upon 100% exhaustion of the basic sum insured and the accrued cumulative bonus if any. And this benefit can be used only once during the policy period.
Care Freedom Plan:- The automatic recharge of the base sum insured will be available to you if a claim exhausts your coverage limit. You and other insured members can use the recharged base sum insured for future claims unless it is not related to the ailment or injury which has already been claimed under the same policy year.
Compare Star Comprehensive vs Care Freedom Domiciliary Hospitalization
If the medical treatment for an illness, disease, or injury is taken in a confined home under any circumstances, such expenses shall be covered under domiciliary hospitalization. Now, compare the same benefit under the Star Comprehensive and Care Freedom plan.
Star Comprehensive:- You will get coverage for domiciliary hospitalization medical treatment (including AYUSH) if it is advised by the attending Medical Practitioner due to the following circumstances:-
- Your condition is such that you are not in a condition to be moved to a hospital
- Non-availability of room in a hospital
Note:- The benefit will be given only when the treatment lasts for a minimum of 3 days. This benefit shall not be available for asthma, bronchitis, chronic nephritis and nephrotic syndrome, diarrhea and all types of dysenteries including gastroenteritis, diabetes mellitus and insipidus, epilepsy, hypertension, influenza, cough and cold, all psychiatric or psychosomatic disorders, pyrexia of unknown origin for < 10 days, tonsillitis and upper respiratory tract infection including laryngitis and pharyngitis, arthritis, gout and rheumatism.
Care Freedom Plan:- The diabetes patient will be covered for the domiciliary hospitalization expenses up to 10% of the sum assured. And this benefit shall be available only if the medical treatment exceeds 3 consecutive days.
Compare Other Benefits of Star Comprehensive vs Care Freedom Plan for Diabetes Patients
| Benefits | Star Comprehensive Health Insurance Plan | Care Freedom Plan |
|---|---|---|
| Ambulance Cover | Based on hospitalization claims | Up to INR 1,000 per hospitalization |
| Air Ambulance Cover | INR 2,50,000 per hospitalization, up to INR 5 Lakh per policy period | Not available |
| Pre-Hospitalization Medical expenses | 60 days before hospitalization | Up to 7.5% or 10.00% of the hospitalization claim based on your sum insured |
| Post-Hospitalization Medical expenses | 90 days after discharge from the hospital | Up to 7.5% or 10.00% of the hospitalization claim based on your sum insured, post- discharge from the hospital up to 30 days |
| Outpatient Medical Consultation | INR 300 per consultation | Not available |
| Day Care Procedures | Up to the Sum Insured | Up to the Sum Insured |
| Dialysis Cover | Covered under the hospitalization cover | Up to INR 1,000 per sitting, available for 24 consecutive months |
| Policy Term | 1 year / 2 year / 3 year | 1 year / 2 year / 3 year |
| Health Check-up | Available in a claim-free year | Annually regardless of claim history |
| Pre-Existing Diseases Waiting Period | 36 months | 24 months |
| Specified disease/procedure waiting period | 24 months | 24 months |
| Initial Waiting Period | 30 days | 30 days |
| All types of Hernia | Not available | Up to INR 50,000 for a Sum Insured of INR 3 Lakh Up to INR 65,000 for a Sum Insured of INR 5 Lakh INR 80,000 for a Sum Insured of INR 7 Lakh and INR 10 Lakh |
| Treatment of Cataract | Available after the expiry of the waiting period | Up to INR 20,00 for a Sum Insured of INR 3 Lakh Up to INR 30,000 for a Sum Insured of INR 5 Lakh, INR 7 Lakh and INR 10 Lakh |
| Co-payments | 10% of each claim if the age of the insured person is 61 years and above at the time of entry. | 20% per claim |
| ICU/Operation Theatre Charges | Actual | Up to 2% of the sum insured per day for INR 3 Lakh sum insured. Otherwise, there will be no limit. |
| AYUSH Treatment | Up to INR 15,000 for a sum insured of INR 5 Lakh to INR 15 Lakh Up to INR 20,000 for a sum insured of INR 20 Lakh and INR 25 Lakh Up to INR 30,000 for a sum insured of INR 50 Lakh and above | Not available |
Conclusion
For a wide range of coverage and high sum insured, you should choose Star Comprehensive Health Insurance Plan. On the other hand, if you are a diabetes patient, you should purchase a Care Freedom plan as it provides coverage for specific illnesses or injuries related to your condition.