Health Insurance February 20, 2021

Health insurance has become a ‘must-have’ in our lives. A medical emergency can make you exhaust all your savings if you don’t have a health insurance plan. But with so many health insurance plans, people often feel confused. Star Health Medi Classic and Care freedom Plan are two popular health insurance plans that can protect your finances in case you face a medical emergency.

You must be wondering which plan would be suitable for you. Well, we are showing some of the key features of both these plans in the below table. Have a look!

Health Insurance

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Star Health Medi ClassicCare freedom Plan

  1. Family floater option

  2. Sum insured up to INR 25 lakh

  3. Gold plan option

  4. Non-allopathic treatment coverage

  5. Super restoration

  6. Daycare procedures coverage

  7. Cumulative bonus

  8. Add-on covers like patient care & hospital cash


  1. Health insurance for Diabetes, High BP & High Body Mass Index

  2. Shorter waiting period of 2 years for pre-existing diseases

  3. Longer policy term

  4. Family floater option up to 6 members

  5. Annual health check-up facility

  6. No pre-policy medical check-up

  7. Companion benefit

Now, we will be comparing Star Health Medi Classic and Care Freedom Plan in detail so that you can find the right option for you. Keep reading to know more!

Let’s Compare Star Health Medi Classic and Care Freedom Plan

Star Health Medi Classic plan is one of the popular plans with the family package that provides several health benefits with bonus options. Care Freedom Plan, on the other hand, can be the right choice for people affected by diabetes, high blood pressure, and high BMI. In the next section, we will be comparing these plans from Star Health and Care Health respectively on factors such as the sum assured, premium amount, the policy period, coverage, additional features, etc. Do check!

Choose the Plan Option According to Your Convenience

When it comes to choosing the plan option, both Star Health Medi Classic and Care Freedom Plan provide flexibility with multiple sum assured options. If we talk about Star Health Medi Classic, individuals can choose from two options – Basic plan and Gold plan. With a basic plan, the sum insured amount can go up to INR 15 lakh, while this amount can go up to INR 25 lakh with a gold plan.

On the other hand, the Care Freedom Plan also provides two options of Plan 1 and Plan 2 that individuals can choose according to their needs. With Plan 1, the sum insured can be INR 3 lakh and INR 5 lakh, and if you are choosing plan 2, the sum insured options can be INR 7 lakh and INR 10 lakh.

Policy Term

In the case of the Star Health Medi Classic plan, individuals can choose a policy term of 1 year, 2 years or 3 years. Do remember that if you are choosing a policy for more than 1 year, there will not be any carry-over benefit on your sum assured.

On the other hand, for a Care Freedom Plan, you can also choose a policy term of 1 year, 2 years or 3 years for both plan 1 and plan 2.

Minimum Premium Amount

One of the most important things that you should look at when choosing a health insurance plan is the premium amount. In the case of the Star Health Medi Classic plan, the minimum premium amount stands at INR 4,015 per year for a sum assured of INR 1,50,000. Also, you can pay premiums in different modes of monthly, quarterly, half-yearly, annually, biennially and triennially.

One of the best things about the Care Freedom Plan is that individuals can get a discount on their premium if they choose a 2-year policy term or 3-year policy term, which can make their overall experience more convenient.

Eligibility

When we talk about the basic plan under Star Health Medi Classic, the entry age ranges from 5 years to 65 years, while it can be as early as the 16th day from birth up to 65 years with the gold plan. For the Care Freedom plan, the minimum entry age can be 18 years for adults and 90 days for children, while the maximum entry age can be lifelong and 24 years for adults and children respectively.

Both health insurance plans from Star Health and Care Health provide the option of lifelong renewability to the customer with which they can stay free of worries about medical emergencies.

Additional Features of Star Health Medi Classic and Care Freedom Plan

Check out the table below to know the extra these two plans offer to you.

FeaturesStar Health Medi Classic PlanCare Freedom Plan
Pre-acceptance Medical ScreeningNot required for persons below 50 years of ageNot Required
Day Care ProceduresAll Day Care Procedures are coveredAll Day Care Procedures are covered up to the sum insured
Pre- and Post-Hospitalization30 days before hospitalization and 60 days after discharge (up to 7% of the hospitalization expenses with a maximum of INR 5,000)Pre- and Post-hospitalization up to 10% of payable hospitalization expenses
Room Rent ExpensesAvailableUp to a certain percentage of the chosen Sum Insured
Domiciliary Treatment (Treatment Taken at Home)AvailableUp to 10% of the sum insured covered after 3 days
ICU ChargesAvailableUp to the chosen Sum Insured
Emergency Ambulance CoverINR 750 per hospitalization (up to a limit of INR 1,500 per policy period)Up to INR 1,000 per hospitalization
Organ Donor ExpensesAvailable up to the Sum InsuredCovered up to the Sum Insured Limit
Modern TreatmentsCovered up to the Sum Insured with a Sub-limitCovered up to a limit of the Sum Insured option
AYUSH Treatment (Ayurveda, Unani, Sidha or Homeopathy)AvailableAvailable up to a pre-decided limit
Consumable AllowanceINR 1,000 per day ( up to a maximum of 7 days per hospitalization)INR 1,000 per day (for a maximum of 7 days per hospitalization covered after 3 days)
Cataract TreatmentINR 45,000 per eye with a maximum of INR 60,000 per person per policy periodUp to INR 30,000 per eye
Companion BenefitsNot availableINR 15,000 (if the hospitalization exceeds 10 days)
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

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