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Health Insurance 127 views January 2, 2021
Taking care of your health should be your top priority, and a Health Insurance Policy can ensure the same. Health emergencies come from anywhere and require you to spend a large sum to get cover. A health insurance policy can not only help you recover from such situations but also prevent yourself from exhausting your savings. Max Bupa Health Companion Family Floater and Star Health Super Surplus Individual Gold Plan are two health insurance policies that can help you tackle any medical emergencies. Want to choose the best one for you? Well, we are comparing these two plans so that you can find the right option for you. Read on to know more!
Table of Contents
Let’s Compare Max Bupa Health Companion Family Floater and Star Health Super Surplus Individual Gold Health Insurance Plan!
When choosing any health insurance plan, you should consider a host of features so that you can recover fast as well as ensure financial harmony. But what are the features you need to consider? Well, these are the Sum Insured Amount, Premium Amount, Premium Payment, Premium Payment Frequency (if any), waiting period, coverage, etc. In the next section, we will be comparing the Max Bupa Health Companion Family Floater plan with Star Health Super Surplus Individual Gold Insurance Plan on these factors individually. Do check!
Choose the Suitable Plan and Sum Insured Option Accordingly
Both these plans from Max Bupa Health Insurance and Star Health Insurance Company provide multiple options when it comes to choosing the desired plan. With the Max Bupa Health Companion Family Floater Plan, you can choose from three variants of Family Floater or Individual options. Other than this, individuals can also choose the Family First Variant option. The Sum Insured varies according to the chosen plan. For Variant 1, this ranges from INR 2 lakh to INR 4 lakh, while for Variant 2, Sum Insured options can be INR 5 lakh to INR 12.5 lakh and for Variant 3, the Sum Insured can be INR 15 lakh to INR 100 lakh. For the Family First Variant, the Sum Insured options are INR 1, 2, 3, 4, 5, and 10 lakh per insured person.
On choosing the Star Health Super Surplus Individual Gold Insurance Plan, individuals can choose from Silver and Gold Plan with which policyholders can get a Sum Insured range of INR 5 lakh to INR 25 lakh. Both these plans have a definite limit that you should keep in mind.
Policy Term
For Max Bupa Health Companion Family Floater Plan, individuals can choose a policy term of 1 or 2 years. On choosing a 2-year plan, individuals will get a discount of 12.50% on the second-year premium amount.
On the other hand, in Star Health Super Surplus Individual Gold Health Insurance Plan, individuals can only choose the policy term of 1 year within which policyholders can get a larger coverage than the basic plan.
Minimum Premium Amount
When choosing a Health Insurance Plan for yourself, you should always look at the minimum premium amount that you will need to pay for your policy. For the Max Bupa Health Companion Family Floater Insurance Plan, individuals will need to pay a minimum premium of INR 5,085 per year.
For Star Health Super Surplus Individual Gold Insurance Plan, the minimum premium amount will depend on the plan chosen by you, age at the time of entering into the policy, and the Sum Insured option. The minimum premium amount stands at INR 920 for the Gold Plan Option with a Sum Insured of INR 5 lakh for individuals with an age of 91 days to 35 years.
Eligibility
Individuals who are between 18 years and 65 years can choose Star Health Super Surplus Individual Gold Plan while children with the age of 91 days to 25 years can get coverage under this plan. Also, there is no exit age with the facility of lifelong renewal. With the Max Bupa Health Companion Family Floater Insurance Plan, individuals with an age of as low as 91 days up to 80 years can get covered. Same as the plan from Max Bupa, individuals can renew their plan lifelong.
Additional Key Features
Check the below table to compare Max Bupa Health Companion Family Floater and Star Health Super Surplus Individual Gold Insurance Plan even better.
| Features | Max Bupa Health Companion Family Floater Insurance Plan | Star Health Super Surplus Individual Gold Insurance Plan |
|---|---|---|
| Pre-acceptance Medical Screening | No Medical Check-up Required | Not Required |
| Day Care Procedures | All Day Care Procedures are covered | All Day Care Procedures are covered |
| Pre- and Post-Hospitalization | 30 days before hospitalization and 60 days after discharge | 60 days before hospitalization and post-hospitalization expenses after 90 days of discharge |
| Room Rent Expenses | Available | Up to a certain percentage of the chosen Sum Insured |
| Domiciliary Treatment (Treatment Taken at Home) | Available | Available |
| ICU Charges | Available | Up to the chosen Sum Insured |
| Emergency Ambulance Charges | Available | Up to INR 3,000 per policy period (with a maximum of INR 1,500 per hospitalization) |
| Organ Donor Expenses | Available up to the Sum Insured | Covered up to the Sum Insured Limit |
| Modern Treatments | Covered up to the Sum Insured with a Sum-limit of INR 1 lakh on a few robotic surgeries | Covered up to a limit of the Sum Insured option |
| AYUSH Treatment (Ayurveda, Unani, Sidha or Homeopathy) | Available | Available up to a pre-decided limit |
| Hospital Cash | INR 1,000 to INR 4,000 per day (depending on the Variant) | Up to INR 4,000 per day |
| Emergency Ambulance Charges | Up to INR 3,000 per hospitalization | Up to INR 3,000 per hospitalization |
| Maternity Expenses | Not Available | Delivery Expenses up to INR 50,000 per policy period (subject to a waiting period of 12 months from the inception of the policy) |
| Free Look Period | 15 days from the date of receipt of the policy | 15 days from the date of receipt of the policy |
| Tax Benefits | Available under Section 80D of the Income Tax Act, 1961 | Available under Section 80D of the Income Tax Act, 1961 |