Health Insurance 257 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!

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Compare Star Comprehensive vs Care With Unlimited Recharge Plan Based on Hospitalization Expenses

Star Comprehensive Health Insurance Plan hospitalization coverage includes the following:-

  1. Room rent (which would be a private single A/C room), boarding and nursing expenses
  2. Surgeon, anesthetist, medical practitioner, consultants, specialist fees
  3. 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:-

  1. Room rent (single private A/C room)
  2. ICU charges
  3. Doctor fees
  4. 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

BenefitsStar Comprehensive Health Insurance PlanStar Family Optima Health Insurance Plan
Road AmbulanceSubject to hospitalization claimsINR 1,500-2,000 per claim, based on your sum insured
Air AmbulanceUp to INR 2.5 Lakh per hospitalizationNot available
Pre-hospitalization Period60 days30 days
Post-hospitalization Period90 days60 days
Day Care ProceduresAvailableAvailable
Domiciliary HospitalizationAvailableAvailable up to 10% of the sum insured
Outpatient Medical ConsultationINR 300 per consultationNot available
Out-patient Dental and Ophthalmic TreatmentAvailable once in every block of 3 years of continuous coverage.Not available
Organ Donor ExpensesIn-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 CheckupAvailable after every claim-free yearAvailable once a policy year
Maternity CoverUp 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 CoverAvailable after the expiry of the 24-month waiting periodNot available
Hospital Cash BenefitUp to 7 days per hospitalization, for a maximum of 120 days during the entire policy period.Not available
Accidental Death and Permanent Total DisablementUp to INR 10 LakhNot available
Modern TreatmentsAvailableNot available
Restoration of Basic Sum Insured100% 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 TreatmentAvailableNot available
Second Medical OpinionAvailableAvailable
No Claim BonusYour sum insured will increase by 50% for each claim-free year, subject to a maximum of 100% of the sum insuredThe 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 ConditionYour pre-existing illnesses will be covered under the policy after a waiting period of 3 yearsThe waiting period is 4 years
Daily Cash AllowanceNot availableINR 500 per day of hospitalization, available up to 5 days
Eye and Dental TreatmentUp to INR 5,000 after the expiry of a 3-year waiting periodNot available
Entry Age3 months to 65 yearsThe 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!

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