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Health Insurance 355 views February 26, 2021
Star and Care, formerly known as Religare, are two renowned health insurers offering numerous health insurance plans covering people financially when they face a medical emergency. Of the plans these companies have, the two most popular are Star Comprehensive and Care with Unlimited Recharge plan. But which should you go for? This is where you need to compare Star Comprehensive vs Care With Unlimited Recharge Plan based on factors such as coverage, premium, entry age, etc. So, what are you waiting for? Let’s start comparing!
Table of Contents
Compare Star Comprehensive vs Care With Unlimited Recharge Plan Based on Hospitalization Expenses
Star Comprehensive Health Insurance Plan hospitalization coverage includes the following:-
- Room rent (which would be a private single A/C room), boarding and nursing expenses
- Surgeon, anesthetist, medical practitioner, consultants, specialist fees
- 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 if used during the hospitalization period in treatment or surgery.
On the other hand, Care With Unlimited Recharge Plan provides coverage for the following medical expenses:-
- Room rent (single private A/C room)
- ICU charges
- Doctor fees
- And other medical expenses
Compare Star Comprehensive vs Care With Unlimited Recharge Plan Sum Insured
You will get the sum insured option of INR 5 Lakh, INR 7.5 Lakh, INR 10 Lakh, INR 15 Lakh, INR 20 Lakh, INR 25 Lakh, INR 50 Lakh, INR 75 Lakh and INR 1 Crore under Star Comprehensive Health Insurance Plan. Whereas under Care With Unlimited Recharge Plan, you will get sum insured options of INR 2 Lakh, INR 3 Lakh, INR 4 Lakh, INR 5 Lakh, INR 7 Lakh INR 10 Lakh, INR 15 Lakh, INR 20 Lakh, INR 25 Lakh, INR 50 Lakh and INR 60 Lakh.
So, if you are looking for a health insurance plan with a high sum insured, Star Comprehensive is a suitable plan for you.
Compare Other Benefits of Star Comprehensive vs Care With Unlimited Recharge Plan
| Benefits | Star Comprehensive Health Insurance Plan | Star Family Optima Health Insurance Plan |
|---|---|---|
| Road Ambulance | Subject to hospitalization claims | INR 1,500-2,000 per claim, based on your sum insured |
| Air Ambulance | Up to INR 2.5 Lakh per hospitalization | Not available |
| Pre-hospitalization Period | 60 days | 30 days |
| Post-hospitalization Period | 90 days | 60 days |
| Day Care Procedures | Available | Available |
| Domiciliary Hospitalization | Available | Available up to 10% of the sum insured |
| Outpatient Medical Consultation | INR 300 per consultation | Not available |
| Out-patient Dental and Ophthalmic Treatment | Available once in every block of 3 years of continuous coverage. | Not available |
| Organ Donor Expenses | In-patient hospitalization of the donor organ transplant to the insured. Also, the expenses incurred by the donor for the complications that necessitate a Redo Surgery or ICU admission will be covered. | Up to INR 50,000 or INR 1 Lakh |
| Health Checkup | Available after every claim-free year | Available once a policy year |
| Maternity Cover | Up to INR 15,000 for normal delivery and up to INR 20,000 for cesarean. This cover will start after the waiting period of 24 months. | Not available |
| New Born Baby Cover | Available after the expiry of the 24-month waiting period | Not available |
| Hospital Cash Benefit | Up to 7 days per hospitalization, for a maximum of 120 days during the entire policy period. | Not available |
| Accidental Death and Permanent Total Disablement | Up to INR 10 Lakh | Not available |
| Modern Treatments | Available | Not available |
| Restoration of Basic Sum Insured | 100% of the sum insured is immediately restored upon exhaustion of the Basic Sum Insured and accrued Cumulative Bonus, if any, once during the policy period. | 100% restoration of the sum insured upon exhaustion of the sum insured plus bonus. This benefit is available only for illnesses other than the already claimed illness or injury during the same policy year. |
| AYUSH Treatment | Available | Not available |
| Second Medical Opinion | Available | Available |
| No Claim Bonus | Your sum insured will increase by 50% for each claim-free year, subject to a maximum of 100% of the sum insured | The sum insured increase by 10% for every claim-free year, subject to a maximum of 50% of the sum insured |
| Waiting Period on Pre-existing Illnesses or Condition | Your pre-existing illnesses will be covered under the policy after a waiting period of 3 years | The waiting period is 4 years |
| Daily Cash Allowance | Not available | INR 500 per day of hospitalization, available up to 5 days |
| Eye and Dental Treatment | Up to INR 5,000 after the expiry of a 3-year waiting period | Not available |
| Entry Age | 3 months to 65 years | The minimum entry age is 91 days, and there is no maximum limit for entry age under this plan. |
Conclusion
So if you have made your decision between Star Comprehensive vs Care With Unlimited Recharge Plan, don’t delay anymore and purchase health insurance for yourself right now!