Health Insurance 919 views February 24, 2021

In the present times, getting proper treatment while dealing with medical emergencies can break the backbone of your finances. That’s why you need a health insurance plan that can protect your finances from any uninformed medical crisis. With so many health insurance plans in the market, people can often be confused about which to choose for themselves. Here, we are considering the Young Star Silver plan and Care Heart plan — the two most popular plans among customers because of some exciting features.

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Below, we are showing the striking features of both these plans from Star Health and Care Health so that you can get a brief idea about them. Please check!

Young Star Silver PlanCare Heart Plan

  1. Family Floater option

  2. No capping on room rent allowances

  3. Additional sum insured for road traffic accident

  4. Mid term inclusion facility

  5. Discount in renewal premiums through wellness programme

  6. Loyalty Discounts

  7. Automatic restoration facility

  1. Annual cardiac health check up

  2. Treatment of total knee replacement

  3. Domiciliary hospitalization coverage

  4. No Claim Bonus

  5. ICU charges coverage

  6. Shorter waiting period (2 years) for pre-existing diseases

  7. Optional benefits like OPD Care, Home Care, and International 2nd Opinion

  8. Automatic recharge

  9. No pre-policy medical checkup

Now, we will be comparing the Young Star Silver plan and Care Heart Plan in detail so that you can make the right decision. Want to know more? Keep reading!

Let’s Compare Young Star Silver Plan and Care Heart Plan

The young Star Silver plan can be the most suitable companion for individuals wanting to protect themselves from any medical emergencies when they are young. As you can see from the name, Care Heart Plan is a unique health insurance plan for individuals suffering from pre-existing cardiac diseases or disorders or undergoing cardiac surgery for the same. To compare these two plans, we will be assessing both of them on different factors such as the sum assured, premium amount, policy term, coverage, additional benefits, etc. Please check!

Multiple Sum Assured Options

When choosing a health insurance plan, the sum assured can be one of the biggest factors to consider. In the case of the Young Star Silver plan, sum assured options depend on your choice. If you are choosing a sum assured of INR 3 lakh, you cannot opt for the floater option. However, you can choose from different options – INR 5 lakh, INR 10 lakh, INR 15 lakh, INR 20 lakh, INR 25 lakh, INR 50 lakh, INR 75 lakh and INR 1 crore – on both individual and floater basis.

When we talk about the Care Heart plan, individuals can also choose from multiple sum assured options – INR 3 lakh, INR 5 lakh, INR 7 lakh, and INR 10 lakh – according to their convenience.

Policy Term

For the Young Star Silver plan, individuals can also choose the policy term from the options of 1 year, 2 years and 3 years. On choosing a term of more than one year, the sum assured will be available for each of the years without any carry-over benefit.

On the other hand, for the Care Heart Plan, individuals also have the options of 1 year, 2 years or 3 years when it comes to choosing the policy term.

Minimum Premium Amount

The amount you need to pay towards your policy is known as the premium amount, and it is one of the important factors that you should consider. For the Young Star Silver plan, the minimum premium amount stands at INR 3,340 per year for an individual aged between 18 to 30 years for a sum assured of INR 3 lakh. The premium amount depends on several factors such as the age of the individual, family size, and the sum assured option chosen.

With the Care Heart plan, individuals can enjoy additional benefits such as OPD Care and Home Care by paying an additional premium towards the policy.

Additional Features of Young Star Silver Plan and Care Heart Plan

The below table has some of the additional benefits that these two plans offer to customers. Have a look!

FeaturesYoung Star Silver PlanCare Heart Plan
Pre-acceptance Medical ScreeningNot requiredNot Required
Day Care ProceduresAll Daycare Procedures are coveredAll Daycare Procedures are covered up to the sum insured
Pre- and Post-Hospitalization60 days before hospitalization and 90 days after discharge30 days Pre- and 60 days Post-hospitalization up to 5% of the basic sum assured
Room Rent ExpensesAvailableUp to 1% of sum assured per day or Single private room
Domiciliary Treatment (Treatment Taken at Home)AvailableUp to 100% of the sum insured covered after 3 days of treatment taken at home
ICU ChargesAvailableNo Limit
Emergency Ambulance CoverAvailableUp to INR 3,000 per hospitalization
Modern TreatmentsCovered up to the Sum Insured with a Sub-limitCovered up to 25% of the Sum Insured option
Cataract TreatmentNot availableUp to INR 30,000 per eye
Companion BenefitsNot availableNot available
Home Care (Optional Cover)Not availableUp to INR 2,000 per day with a maximum of 7 days per occurrence and a maximum of 45 days per policy year
Free Look Period15 days from the date of receipt of the policy15 days from the date of receipt of the policy
Tax BenefitsAvailable under Section 80D of the Income Tax Act, 1961Available under Section 80D of the Income Tax Act, 1961

Eligibility Criteria

Any individual aged between 18 and 40 years at the time of entry can apply for the Young Star Silver plan. However, for dependent children, the coverage age ranges between 91 days and up to 25 years of age. For the Care Heart Plan, the age at the time of entry stands at a minimum of 18 years, while there is no maximum limit.

Both policies provide lifelong renewability options which means you don’t have to worry about medical emergencies once you have invested in them.

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