Health Insurance March 18, 2021

Healthcare expenses are rising at a faster pace and could exhaust your savings in no time if not insured with a health insurance plan. Considering these needs, we have brought to you two popular health insurance plans – Star Cancer Care Gold and Max Bupa Arogya Sanjeevani. The maximum sum insured under both these plans is INR 5 Lakh. But they do differ in other aspects.

Health Insurance

Please fill the details below and our policy experts will call you to help figure out the correct health insurance policy for your needs

+91

While Star Cancer Care Gold Plan is a health insurance plan that covers medical expenses of cancer (Stage 1 or Stage 2), accidents and other diseases or ailments, Max Bupa Arogya Sanjeevani covers costs of hospitalization, pre & post-hospitalization, daycare treatment, AYUSH treatment, etc. Let’s compare Star Cancer Care Gold vs Max Bupa Arogya Sanjeevani further to know the right plan for you.

Compare Star Cancer Care Gold and Max Bupa Arogya Sanjeevani Based on Different Coverages

Star Cancer Care Gold and Max Bupa Arogya Sanjeevani come with extensive coverages for different expenses involved in medical treatment. But they come with certain limits too that we have highlighted here. Let’s look at the exact coverage under both these plans in the below table.

Expenses CoveredStar Cancer Care GoldMax Bupa Arogya Sanjeevani
Room Rent, Boarding, Nursing ExpensesActualUp to 2% of the sum insured, up to INR 5,000 per day
Intensive Care Unit (ICU) charges/ Intensive Cardiac Care Unit (ICCU) chargesActualUp to 5% of the sum insured, up to INR 10,000 per day
Surgeon, Anesthetist, Medical practitioner, Consultants, Specialist FeesActualBased on the sub-limit of room rent
Emergency Ambulance chargesUp to INR 1,500 per hospitalization and INR 2,000 per policy periodUp to INR 2,000 per hospitalization, if the company has accepted the in-patient hospitalization claim
Pre-hospitalizationUp to 30 daysUp to 30 days
Post-hospitalizationUp to 60 daysUp to 60 days
AYUSH TreatmentNot AvailableUp to the sum insured
Cataract TreatmentNot AvailableUp to 25% of the sum insured or INR 40,000, whichever is less, per eye, under one policy year
Co-pay10% if the entry age is 61 years and above, not applicable on cancer care treatments5% on all claims

Compare the Sum Insured of Star Cancer Care Gold Plan vs Max Bupa Arogya Sanjeevani Plan

You will get coverage under Star Cancer Care Gold Plan up to the following sum insured limits –

SectionDescriptionFor Sum Insured INR 3 Lakh (In INR)For Sum Insured INR 5 Lakh (In INR)
Section 1 Lump Sum BenefitIn case of recurrence, metastasis or a second cancer1,50,0002,50,000
Section 2 Indemnity CoverSurgical and Interventional Therapy1,00,0001,50,000
Section 3 Indemnity CoverNon Surgical and
Non Interventional Therapy
50,0001,00,000

Note – Accidents, diseases and other ailments shall be covered under Section 2 & 3 only.

Under Max Bupa Arogya Sanjeevani Plan, the sum insured ranges from INR 1-5 Lakh (in multiples of INR 50,000). If you purchase this plan on an individual basis, the sum insured shall apply to each individual. Whereas on a floater basis, the whole family will be covered under a single sum insured.

Premiums Applicable for a Star Cancer Care Gold Plan & Max Bupa Arogya Sanjeevani Plan

The premium amount for Star Cancer Care Gold Plan is mentioned below –

Before Claim under Section 1

AgePremiums for Sum Insured INR 3 Lakh (In INR)Premiums for Sum Insured INR 5 Lakh (In INR)
5 months to 29 Years17,40027,300
30-39 Years17,80027,900
40-49 Years18,90029,200
50-59 Years21,00032,000
60-65 Years23,20035,100
66-69 Years23,20035,100

Post claim Under Section 1

Age (In Years)Premiums for Sum Insured INR 1.5 Lakh (In INR)Premiums for Sum Insured INR 2.5 Lakh (In INR)
5 months to 2912,25018,700
30-3912,65019,300
40-4913,75020,600
50-5915,85023,400
60-6518,05026,500
66-6918,05026,500

Note – The above-mentioned premium amounts are exclusive of taxes and cess, and the same is applicable for renewals only.

Under Max Bupa Arogya Sanjeevani Plan, the premium amount is determined based on the insured members’ age, medical history and pre-existing condition.

Who Can Avail Star Cancer Care Gold Plan & Max Bupa Arogya Sanjeevani Plan?

To purchase Star Cancer Care Gold, you need to meet the following criteria –

  1. Entry age – 5 months to 65 years
  2. Diagnosed with Cancer (Stage 1 or Stage 2)

On the other hand, to purchase Max Bupa Arogya Sanjeevani, you need to meet the following –

  1. Entry age – 18-65 years

Under Max Bupa Arogya Sanjeevani Family Floater, you can cover yourself plus the following family members

  1. Spouse
  2. Parents
  3. Parents-in-law
  4. Dependent children whose age is between 3 months to 25 years

People Also Read