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Star vs Reliance health insurance


Plan benefits

Star Comprehensive health insurance

 Hospitals    Buy online

Reliance Healthgain insurance

 Hospitals    Buy online
Policy can be purchased for 1 year 1 year (if purchased for single women or girl child, a discount of 5% is applicable)
Eligibility criteria Adults from 18 to 65 years (dependents 3 months to less than 25 years) Adults from 18 to 65 years (dependents 91 days & up to 4 years can be covered under floater plan)
Available Sum insured options Rs.5 lakhs, 7.5 lakhs, 10 lakhs, 15 lakhs, 20 lakhs, 25 lakhs Rs.3 lakhs, 6 lakhs, 9 lakhs, 12 lakhs, 15 lakhs, 18 lakhs
Renewability Renewal for whole life Renewal for whole life
In-patient Treatment Room (Single Standard A/C), Boarding and Nursing expenses, and other medical expenses. Covered
Out-patient Treatment
Sum Insured (Rs.)Out Patient Dental / Ophthal CoverageMedical Consultation
(per Consultation Rs.300)
5 lacsUp to Rs.5,000/-Up to Rs.1,200/-
7.5 lacsUp to Rs.5,000/-Up to Rs.1,500/-
10 lacsUp to Rs.10,000/-Up to Rs.2,100/-
15 lacsUp to Rs.10,000/-Up to Rs.2,400/-
20 lacsUp to Rs.10,000/-Up to Rs.3,000/-
25 lacsUp to Rs.10,000/-Up to Rs.3,300/-
Not covered
Pre-hospitalization Up to 30 days Up to 60 days
Post-hospitalization Up to 60 days Up to 60 days
Day Care Procedures 405 day care procedures are covered 172 day care procedures are covered
Domiciliary Treatment Covered Up to 10% of base sum insured, maximum Rs.50,000/-
Organ Donor Expenses Not covered Up to 50% of the base sum insured, maximum Rs.5 lakh
Emergency Ambulance
Ambulance Charges (per policy period)
Sum Insured (Rs.)By RoadBy Air
5 lacsUp to Rs.2,000/-Not available
7.5 lacsUp to Rs.3,000/-Up to 10% of sum insured
10 lacsUp to Rs.3,500/-Up to 10% of sum insured
15 lacsUp to Rs.4,000/-Up to 10% of sum insured
20 lacsUp to Rs.4,500/-Up to 10% of sum insured
25 lacsUp to Rs.5,000/-Up to 10% of sum insured
Up to Rs.1,500/- for sum insured Rs.3 lakh, 6 lakh, 9 lakh
Up to Rs.3,000/- for sum insured Rs.12 lakh, 15 lakh and 18 lakh (road ambulance)
Dental Treatment Out-patient Dental/Ophthal:
Rs.5 lakhs, 7.5 lakhs sum insured: Up to Rs.5,000/-
Rs.10 lakhs, 15 lakhs, 20 lakhs, 25 lakhs sum insured: Up to Rs.10,000/-
Not covered
Ayush Benefit Not covered Not covered
Maternity Benefits
Delivery Charges (covered after waiting period of 3 years)
Sum Insured (Rs.)Normal DeliveryCaesarean Section
5 lacsUp to Rs.10,000/-Up to Rs.15,000/-
7.5 lacsUp to Rs.20,000/-Up to Rs.40,000/-
10, 15, 20 & 25 lacsUp to Rs.25,000/-Up to Rs.40,000/-
Not covered
New Born baby cover 5 lakhs sum insured: up to Rs.50,000/-
Rs.7.5 lakhs, 10 lakhs, 15 lakhs, 20 lakhs, 25 lakhs sum insured: up to Rs.1,00,000/-
Not covered
Daily Cash for Accompanying an Insured Child Not avaliable Not available
Health Check-up Rs.5 lakhs sum insured: Up to Rs.5,000/-
Rs.7.5 lakhs, 10 lakhs sum insured: Up to Rs.7,500/-
Rs.15 lakhs, 20 lakhs, 25 lakhs sum insured: Up to Rs.12,000/-
(Covered after 3 claim free years)
Not available
Hospital daily allowance Rs.5 lakhs sum insured: Up to Rs.500/-
Rs.7.5 lakhs, 10 lakhs sum insured: Up to Rs.750/-
Rs.15 lakhs, 20 lakhs sum insured: Up to Rs.1,000/-
Rs.25 lakhs sum insured: Up to Rs.1,500/-
(upto 7 days per occurrence & upto 120 days per policy period)
Not available
Pre-existing diseases coverage Covered after a continuous coverage of 4 years Covered after waiting period of 36 months
Restore benefit 100% after exhaustion of sum insured One Re-instatement upto 100% of base Sum Insured, subject to submit of 20% for related illness/injury
General waiting period 30 days Any illness waiting period of 30 days after policy is in force where as accident medical expenses are covered from day one.
Renewal Benefit / Cumulative Bonus Bonus 50% for every claim free year, maxmium 100% for sum insured Rs.5 Lacs
Bonus 100% for every claim free year, maxmium 100% for sum insured above Rs.5 Lacs
33% (i.e 1/3rd) increase in Base Sum Insured for every claim free year, max up to 100%
Co-pay 10% of each and every claim made by insured persons who are above 60 years at entry level 20% per claim amount (For those insured whose age at entry is 61 years or above for individual or floater policy.)
Claims loading Yes Not applicable
Portablity Yes, 45 days before its renewal date Yes, 45 days before its renewal date
Tax Benefits Limit Income tax benefit under section 80D Income tax benefit under section 80D
Value Added Services Not Applicable Wellness : Fabulous discounts and deals on a variety of health and lifestyle products and services.
Insurance Renewal: For Sum Insured Rs.12 Lakhs & above, one time auto extension of policy in case of covered critical illness
Accidental Death Cover for No Claim Renewal: Rs.1 Lakh Personal Accident Death cover for insured
Policy Service Guarantee: Even after receiving all completed documents, if there is a delay of more than 10 working days from the company in issuing your policy (new policy). Then the company pays you onetime additional sum insured of Rs 10,000/- for sum insured Rs.3 lakh, 6 lakh, 9 lakhs and Rs 20,000/- for sum insured 12 lakh, 15 lakh, 18 lakh.
Claim Service Guarantee:
1. Cashless claims - On receipt of required information / documents, If the company is unable to respond within 6 business hours, then it pays 1% of claim amount subject to a maximum liability of 6% of claim amount
2. Reimbursement Claims - On receipt of required information / documents, If the company is unable to respond within 21 days, then it pays 1% of claim amount subject to a maximum liability of 6% of claim amount

Plan benefits

Star Comprehensive health insurance

 Hospitals    Buy online

Reliance Healthgain insurance

 Hospitals    Buy online

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CIN: U66000KA2018PTC117713 | IRDAI Web aggregator License Code Number: IRDAI / INT / WBA /53/ 2018, Valid till 07/08/2022