Health Insurance 119 views March 12, 2021

A health insurance plan helps individuals avoid exhausting their hard-earned savings towards hospital expenses resulting from accidents or diseases should they occur. Instead, the health insurer will pay for all these expenses. But not every plan will suit your needs, so you should choose from the options carefully. Today, we have brought to you two of the best family floater health insurance plans – Star Health Comprehensive and Max Bupa Health Companion Plan. So, read this post further and compare these two health insurance plans to find out the suitable one for you.

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Comparison of Sum Insured Between Star Comprehensive and Max Bupa Health Companion Plan

The sum insured is the maximum amount up to which you and your family health expenses are covered. So let’s see the available sum insured options of these two health insurance plans

Star Comprehensive Insurance Policy (In INR)Max Bupa Health Companion - Family Health Insurance Plan (In INR)

  1. 5,00,000

  2. 7,50,000

  3. 10,00,000

  4. 15,00,000

  5. 20,00,000

  6. 25,00,000

  7. 50,00,000

  8. 75,00,000

  9. 1,00,00,000


  1. 3,00,000-4,00,000 for Variant 1

  2. 5,00,000-12,50,000 for Variant 2

  3. 15,00,000-1,00,00,000 for Variant 3

Compare Star Comprehensive vs Max Bupa Health Companion Plan Premium

It is necessary for us to get a health insurance policy that provides high sum insured at a less premium payment. So, let’s check out the premium rate of  Star Health Comprehensive Plan and Max Bupa Health Companion Plan.

Premium Amount for 1 Year for Star Comprehensive Insurance Policy

Number of Insured PersonMinimum Premium Amount (In INR)Maximum Premium Amount (In INR)
1 Adult7,0151,11,340
1 Adult + 1 Children9,1801,91,500
1 Adult + 2 Children10,9502,43,705
1 Adult + 3 Children15,5902,90,725
2 Adult10,4201,74,785
2 Adult + 1 Children13,1702,97,175
2 Adult + 2 Children14,8003,08,635
2 Adult + 3 Children17,0003,27,915

Note – The above-mentioned premium rates of Star Health Comprehensive Insurance Policy is exclusive of the applicable tax and cess.

On the other hand, Max Bupa Health Companion Plan premium amount starts from INR 5,085 per year.

Compare Star Health Comprehensive vs Max Bupa Health Companion Plan Benefits

BenefitsStar Comprehensive Insurance PolicyMax Bupa Health Companion - Family Health Insurance Plan
Room, Boarding and Nursing chargesUp to the sum insured with no sub-limitNo capping on room rent if the sum insured is INR 5 Lakh or above
ICU/Operation Theatre ChargesActualActual
Road Ambulance ChargesActualUp to 3,000
Air Ambulance Charges (per policy period)Up to INR 5 LakhNot available
Pre-hospitalization CoverUp to 60 daysUp to 30 days
Post-hospitalization CoverUp to 90 dayUp to 60 days
Maternity Expense Cover After 24 Months of Waiting PeriodINR 15,000-50,000 for Normal Delivery
And
INR 20,000-1,00,000 for Caesarean Section
As specified in the policy bond
Hospital CashINR 500 per day for a sum insured of INR 5 Lakh

INR 750 per day for a sum insured of INR 7.5 and 10 Lakh

INR 1,000 per day for a sum insured of INR 15 and 20 Lakh

INR 1,500 per day for a sum insured INR 25 Lakh

INR 2,500 per day for a sum insured of INR 50 lakh, INR 75 Lakh and INR 1 Crore
INR 1,000 per day for Variant 1

INR 2,000 per day for Variant 2

INR 4,000 per day for Variant 3
AYUSH
Treatment
Up to INR 30,000As specified in the policy bond
VaccinationINR 5,000 & INR 10,000INR 2,500, 5,000, 7,500
New Born Child Cover post expiry of waiting periodUp to INR 1 Lakh for sum insured up to INR 25 Lakh
And
Up to INR 2 Lakh for a sum insured of INR 50 Lakh and above
As specified in the policy bond
Modern TreatmentsAs specified in the policy bondUp to INR 1 Lakh for few Robotic Surgeries
Accidental Death and Permanent Total DisablementINR 5 Lakh to INR 1 CroreNot available
Medical Practitioner FeesActualNot liable to pay the visiting or consultation charges for any Medical Practitioner unless
Medical Practitioner’s treatment or advice is provided by the Hospital

Visiting or consultation charges are mentioned in the hospital’s bill

And if visiting or consultation charges are not more than the treating or referral Medical Practitioner consultation fee
Outpatient CoverUp to INR 15,000 for Dental/Ophthal treatment once in a block of every 3 yearNot available
Cumulative Bonus (available after every claim free year)50% of the sum insured, subject to a maximum of 100%.20% of the sum insured, subject to a maximum of 100%

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