Compare Star Health vs Reliance health insurance
| Star Health | Reliance | |
|---|---|---|
| Claims Settlement Ratio ** | 81.62% | 80.61% |
| Number of Lives Covered * | 1,16,17,000 | 22,48,000 |
| Network Hospitals | 9,900 + | 4,000 + |
| ||
 |
|
|
|
 |
|
|
|
|---|---|---|---|---|---|---|---|
| Medi Classic | Comprehensive plan | Family Health Optima | Arogya Sanjeevani | HealthGain | Healthwise | Health Infinity | Arogya Sanjeevani |
| In-patient Treatment | |||||||
| Covers hospitalisation expenses due to an disease/illness/ injury | Covers hospitalisation expenses due to an disease/illness/ injury | Covers hospitalisation expenses due to an disease/illness/ injury | Covers hospitalisation expenses due to an disease/illness/ injury | Covered illnesses /injuries, where the insured person is hospitalised for more than 24 consecutive hours. | Covers hospitalisation expenses due to an disease/illness/injury per policy period | Covered, No Sub limits | Covers hospitalisation expenses |
| Room Rent | |||||||
| Basic: 2% of base sum insured maximum up to Rs.5,000 Gold - 3 lakhs & 4 lakhs: Rs.5,000 per day 5 lakhs to 25 lakhs: Private single A/c Room |
Private Single Standard A/c Room | 3 lakhs & 4 lakhs: Rs.5,000 per day 5 lakhs to 25 lakhs: Single Standard A/c Room |
2% of Sum Insured subject to a maximum of ₹5,000 per day | Actual | No sub-limit | No sub-limit | Up to 2% of the sum insured subject to maximum of Rs.5000 per day. |
| ICU Charges | |||||||
| Covered | Actual | Covered | 5% of sum insured, Max up to Rs.10,000 per day | Not Covered | Not Covered | Covered | expenses up to 5% of sum insured subject to maximum of Rs.10,000 per day. |
| Pre-hospitalization | |||||||
| Incurred for a period not exceeding 30 days prior to the date of hospitalization, for the disease/illness, injury | Up to 60 days | Up to 60 days | Up to 30 days | Up to 60 days | Standard Plan 30 days Silver & Gold Plan 60 days |
90 days before the date of admission to the hospital | Covers medical expenses incurred 30 days prior to the date of hospitalisation. |
| Post-hospitalization | |||||||
| Basic - 60 days from the date of discharge from the hospital (payble 7% of hospitalization expenses maximum of Rs.5,000 per hospitalization) Gold - 60 days from the date of discharge from the hospital |
Up to 90 days | Up to 90 days | 60 days after discharge from the hospital | Up to 60 days | Standard Plan 60 days Silver & Gold Plan 90 days |
180 days after discharge from the hospital | Covers medical expenses incurred up to 60 days from the date of discharge. |
| Day Care Procedures | |||||||
| All day care procedures are covered | All day care procedures are covered | All day care procedures are covered | All day care procedures are covered | All day care procedures are covered | All day care procedures are covered | All day care procedures are covered | Medical expenses incurred for day care procedures taken at a hospital or day care centre. 24 hour mandatory hospitalization is not necessary in the day care procedure. |
| Domiciliary Treatment | |||||||
| Covered | Covered | Not covered | Covered | Up to 10% of base sum insured,subject to maximum of Rs.50000 | Yes - Limited to 10% of Sum Insured, for medical expenses incurred for availing Medical treatment at home which would have otherwise required hospitalisation | Covered up to sum insured | Not covered |
| Emergency Ambulance | |||||||
| Up to Rs.750 per hospitalisation and overall limit of Rs.1,500 per policy period | Actual | Up to Rs.750 per hospitalisation and overall limit of Rs.1,500 per policy period | Up to Rs.2,000 per hospitalisation | Up to Rs.1,500 to Rs.3000 per hospitalisation | Standard Plan 500 per hospitalisation Silver Plan 750 per hospitalisation Gold Plan 1000 per hospitalisation |
Covered, No Sub-limits | Up to Rs.2,000 per hospitalisation |
| Dental Treatment | |||||||
| Not covered | 5 & 7.5 lakhs: Rs.5,000 10 to 25 lakhs: Rs.10,000 50 lakhs to 1 crore: Rs.15,000 |
Not covered | Not covered | Not covered | Not covered | Not covered | Covered |
| Bariatric Surgery | |||||||
| Not covered | 5 to 15 lakhs: Rs.2,50,000 20 lakhs to 1 crore: Rs.500,000 |
Not covered | Not covered | Not covered | Not covered | Not covered | Not covered |
| Ayush Benefit | |||||||
| Not covered | 5 to 15 lakhs: Rs.15,000 per policy period 20 & 25 lakhs: Rs.20,000 per policy period 50 lakhs to 1 crore: Rs.30,000 per policy period |
3 & 4 lakhs: Up to Rs.10,000 per policy period 5 to 15 lakhs: Up to Rs.15,000 per policy period 20 & 25 lakhs: Up to Rs.20,000 per policy period |
Covers in-patient care treatment under Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy up to Sum Insured | Not covered | Not covered | Covered, No Sub limits | Covered, No Sub limits |
| Maternity Benefits | |||||||
| Not covered | 5 lakhs: Normal delivery - Rs.15,000 Caesarean - Rs.20,000 7.5 lakhs: Normal delivery - Rs.25,000 Caesarean - Rs.40,000 10lakhs to 25 lakhs: Normal delivery - Rs.30,000 Caesarean - Rs.50,000 50 lakhs to 1 crore: Normal delivery - Rs.50,000 Caesarean - Rs.100,000 (24 months for first delivery from first inception of the policy) (24 months from claim under for next delivery) |
Not covered | Not covered | Not covered | Not covered | Not covered | Not covered |
| New Born baby cover | |||||||
| Not covered | 5 lakhs to 25 lakhs: Rs.100,000 50 lakhs to 1 crore: Rs.200,000 |
Up to 10% of S.I or maximum of Rs.50,000 subject to availability of the S.I (from 16th day to till the expiry of the policy) (provided if mother is insured for 12 months without break) |
Not covered | Not covered | Not covered | Not covered | Not covered |
| Organ Donor Expenses | |||||||
| Basic: Not covered Gold: Covered |
Covered | 10% of sum insured or Rs.100,000 | Not Covered | 50% of sum insured up to max Rs.5 Lac | Available only under Gold and Silver plans | NO-SUBLIMIT | Not covered |
| Vaccination (In case of post bite treatment) | |||||||
| Not covered | Not covered | Not covered | Not covered | Not covered | Not covered | Not covered | Not covered |
| Health Check-up | |||||||
| Up to 1% of the average basic sum insured subjected to max of Rs.5000, is payable (Sum insured 2 lakhs & above) . |
5 lakhs: Rs.2,000 7.5 lakhs: Rs.2,500 10 lakhs: Rs.3,000 15 lakhs: Rs.4,000 20 lakhs & 25 lakhs: Rs.4,500 50 lakhs to 1crore: Rs.5,000 (Once in a block of every claim free years of continuous renewal) |
3 lakhs: Rs.750 4 lakhs: Rs.1,000 5 lakhs: Rs.1,500 10 lakhs: Rs.2,000 15 lakhs: Rs.2,500 20 lakhs: Rs.3,000 25 lakhs: Rs.3,500 (available after every claim free year per policy) |
Not covered | Not covered | Standard Plan: No Silver Plan 7: Rs.250 per day for a maximum period of 5 days Gold Plan: Rs.300 per day for a maximum period of 5 days |
10% discount on health check-up | Not covered |
| Hospital daily allowance | |||||||
| Not covered | 5 lakhs: Rs.500 7.5 lakhs & 10 lakhs: Rs.750 15 lakhs & 20 lakhs: Rs.1000 25 lakhs: Rs.1,500 50 lakhs & 1 crore: Rs.2,500 (maximum 7 days/occurrence is payable) |
Not covered | Not covered | Not covered | Standard Plan: No Silver Plan: No Gold Plan:Rs.250 per day up to 7 days |
Not covered | Not covered |
| Co-pay | |||||||
| No co-pay if entry age is below 60 years / 20% co-pay for ages above 60 years | No co-pay if entry age is below 60 years / 20% co-pay for ages above 60 years | No co-pay if entry age is below 60 years / 20% co-pay for ages above 60 years | 5% co-pay applicable on all claims | NIL for insureds lessthan 61 years/ 20% co-pay for ages graterthan 61 years | Not covered | 10%, if opted | 5% for all claims |
| Pre-existing diseases coverage | |||||||
| Covered after a waiting period of 4 years | Covered after a waiting period of 4 years | Covered after a waiting period of 2 years | Covered after 48 months of continuous coverage without break | Pre-existing diseases covered after 36 months of continuous coverage. | Covered after 4 continuous renewals for Standard plan & 2 continuous renewals for Silver and Gold plan.. | Pre-existing diseases covered after 36 months of continuous coverage. | Pre-existing diseases covered after 48 months of continuous coverage. |
| Restore Benefit | |||||||
| 200% of Base Sum Insured for unrelated illness/diseases | 100% of Base Sum Insured for unrelated illness/diseases | Thrice up to 100% of Base sum insured for plans with sum insured 3 lakhs and above | Not applicable | Not applicable | Not applicable | Equal to 100% of Sum Insured | Not applicable |
| General waiting period | |||||||
| 30 days | 30 days | 30 days | 30 days | 30 days | 30 days | 30 days | 48 days |
| Renewal Benefit / Cumulative Bonus | |||||||
| Basic: 5% of the basic sum insured for every claim free year subject to a maximum of 25% Gold: 25% of basic sum insured in the second year and additional 20% of the basic sum insured for each subsequent years subject to a maximum of 100% |
5 lakhs: 50% on base sum insured for every claim free year and up to 100% 7.5 lakhs to 1 crore: 100% of the basic sum insured for every claim free year. |
25% of Sum Insured after first year if claim free and additional 10% for the subsequent years (Maximum allowable bonus is 100%) |
5% on base sum insured for every claim free year and up to 50%. | 33.33% increase in Base sum insured for every claim free year; Max up to 100%. 33.33% decrease in Base sum insured for every claim year; Max up to Cumulative Bonus earned. | Continuity Benefits Shall be available only if the policy is renewed within 30 days from the previous policy expiry date. | 10% discount on renewal premium | Increase in the sum insured by 5% in respect of each claim free year subject to a maximum of 50% of sum insured. |
| Emergency Air Ambulance | |||||||
| Not covered | Up to Rs.2,50,000 per hospitalization, not exceeding Rs.5,00,000 per policy period | 3 to 5 lakhs: not covered 5 to 25 lakhs: Up to 10% of the Sum Insured |
Not covered | Not covered | Not covered | Not covered | Not covered |
| Available sum insured options | |||||||
| Basic plan - 1.5 to 15lakhs Gold plan - 3 to 25 lakhs |
5 lakhs to 1 crore | 3 to 25 lakhs | 1 lakh to 5 lakhs | Plan A: 3, 6 & 9 lakhs Plan B: 12,15 & 18 lakhs |
5 lakhs | 3 lakhs to 1 CRORE | 1 lac, 1.5 lakhs, 2 lakhs, 2.5 lakhs, 3 lakhs, 3.5 lakhs, 4 lakhs, 4.5 lakhs and 5 lakhs. |
| Policy can be purchased for | |||||||
| 1 / 2 years | 1 / 2 years | 1 year | 1 year | 1 year | 1 year | 1, 2 & 3 Years | 1 year |
| Eligibility criteria | |||||||
| 5 Months to 65 years. Therefore only renewals will be accepted without capping on the exit age | Adults from 18 to 65 years (dependents 3 months to less than 25 years) | Adults from 18 to 65 years (dependents 16 days to less than 25 years) | Adults from 18 to 65 years (dependents 3 months to less than 25 years) | 65 years. No entry age bar for an insured sum of 3 lakh covered under the policy | Maximum age to enter the plan is 65 years covered under the policy | Child: 91 days to 25 years Adult: 18 years to 65 years covered under the policy |
Child: 91 days to 25 years Adult: 18 years to 65 years |
| Renewability | |||||||
| Renewal for whole life | Renewal for whole life | Renewal for whole life | Renewal for whole life | Renewal for whole life | Renewal for whole life | Renewal for whole life | Renewal for whole life |
| Daily Cash for Accompanying an Insured Child | |||||||
| Not covered | Not covered | Not covered | Not covered | Not covered | Not covered | Not covered | Not covered |
| Claims loading | |||||||
| No Loading | No Loading | No Loading | No Loading | No Loading | 5% for one condition ,max up to 25% | 10% for one condition , max up to 50% | No Loading |
| Portablity (At the time of renewal) |
|||||||
| Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes |
| Tax Benefits Limit | |||||||
| Income tax benefit under section 80D | Income tax benefit under section 80D | Income tax benefit under section 80D | Income tax benefit under section 80D | Income tax benefit under section 80D | Income tax benefit under section 80D | Income tax benefit under section 80D | Income tax benefit under section 80D |
