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Insurance Plans Comparison

Care Enhance Super Top-up vs Star Young Star

Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...

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Care

Enhance Super Top-up

Additional health insurance protection beyond your deductible for major hospitalisation expenses.

What Makes It Special:

Care Enhance is a super top-up health insurance plan from Care Health Insurance that adds financial protection after eligible medical expenses cross the selected annual deductible. Enhance 1 offers cover up to ₹30 lakh, while Enhance 2 provides specified combinations up to ₹55 lakh. The plan covers eligible inpatient hospitalisation, daycare...

Best For:

  • Customers wanting flexible coverage levels: Applicants comparing the different sum-insured and deductible combinations available under Enhance 1 and Enhance 2.

  • People comfortable with a deductible: Customers who have sufficient base insurance or savings to handle expenses up to the selected threshold.

  • Customers planning for major hospital bills: Individuals concerned about costly inpatient treatment, ICU care and eligible daycare procedures.

  • Families seeking higher overall protection: Households that want to supplement an existing policy with a larger potential pool of hospitalisation cover.

  • People with existing health insurance: Customers who want an additional layer of financial protection once eligible annual medical expenses cross a chosen deductible.

VS
Star

Young Star

Star Young star policy

What Makes It Special:

Young Star Insurance Policy is a health insurance plan designed for adults between 18 and 40 years, with dependent children eligible from 91 days to 25 years on a floater basis. It offers individual and family floater coverage, automatic restoration of Basic Sum Insured, cumulative bonus, health check-up benefits, wellness...

Best For:

  • Buyers looking for long-term health insurance with lifelong renewability

  • Customers who want wellness-based premium discounts

  • Customers looking for automatic restoration of Basic Sum Insured

  • Young families seeking individual or family floater coverage

  • Adults between 18 and 40 years looking for health insurance

Insurance Plans Comparison

Get Personalized Advice

Our insurance experts are here to help you make the right choice. Get personalized recommendations based on your specific needs and budget.

Quick Decision Guide

  • Compare the actual policy version, not just the headline sum insured. Review hospitalisation benefits, pre- and post-hospitalisation periods, exclusions and any benefits you expect to use before choosing the plan.

  • Check room eligibility and co-payment. Compare the room categories under Enhance 1 and Enhance 2 and assess the financial impact of the 20% co-payment where the entry-age condition applies.

  • Review waiting periods before buying. The initial waiting period, specified-illness waiting period and pre-existing disease waiting period can affect when coverage becomes available.

  • Understand how annual expenses are counted. A super top-up generally considers eligible medical expenses accumulated during the policy year, subject to its deductible provisions. Check how multiple claims and expenses are assessed.

  • Match the deductible to your existing cover. Check whether your base policy's sum insured is sufficient to meet the deductible. If it is lower, you may need to fund the gap yourself.

  • The restored Sum Insured cannot be carried forward and does not apply to Modern Treatment.

  • The maternity benefit is available only under the Gold Plan and has specific eligibility and waiting period conditions.

  • Room eligibility is based on a Single Private A/C Room, with proportionate deductions for higher room categories.

  • Specified diseases and procedures have a 12-month waiting period.

  • The PED waiting period is 12 months.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Enhance Super Top-up
Enhance Super Top-up

Health Insurance Plan

VS
Young Star
Young Star

Health Insurance Plan

Room Rent

Enhance Super Top-up

Single private AC room eligibility, with room-category conditions varying by Enhance option. Check the schedule for the selected option before admission to avoid room-related deductions.

VS

Young Star

Single Private A/C Room, with proportionate deductions applicable for higher room categories


ICU Charges

Enhance Super Top-up

ICU expenses are covered up to the sum insured, with no separate ICU sub-limit listed on the insurer's product page.

VS

Young Star

Covered as part of hospitalisation expenses

Co-payment

Enhance Super Top-up

A 20% co-payment applies if the policy is purchased at age 61 or above. The insured member bears 20% of the admissible claim amount, with the balance payable subject to the policy terms.

VS

Young Star

No standard co-payment specified in the supplied policy document

Disease-wise sublimits

Enhance Super Top-up

The plan is presented as having no disease-wise sub-limits for covered hospitalisation benefits. Claims remain subject to the deductible, sum insured, exclusions, admissibility rules and other policy conditions.

VS

Young Star

Applicable limits may apply to specific treatments and benefits


Cashless Healthcare Providers

Enhance Super Top-up

Cashless treatment is available at the insurer's network hospitals, subject to pre-authorisation and policy terms. The insurer currently advertises a network of over 22,100 cashless healthcare providers; availability can change.

VS

Young Star

Cashless hospitalisation available through Star Health network hospitals

Restoration Benefit

Enhance Super Top-up

Unlimited automatic recharge is listed on the insurer's current product page. The sum insured can be recharged by an amount equal to the selected sum insured, multiple times in a policy year, subject to policy conditions.

VS

Young Star

100% Automatic Restoration of Basic Sum Insured, subject to policy conditions


Cumulative Bonus

Enhance Super Top-up

The sum insured increases by 50% of the base sum insured for each policy year, up to a maximum increase of 100%. Accrued bonus is not reduced on renewal because of a claim, subject to policy terms.

VS

Young Star

20% of Basic Sum Insured for every claim-free year, up to 100% of Basic Sum Insured

Daycare Treatment

Enhance Super Top-up

Covers eligible daycare procedures that do not require a 24-hour hospital stay, subject to the policy terms and applicable procedure conditions.

VS

Young Star

All Day Care Procedures Covered

AYUSH Treatment

Enhance Super Top-up

Inpatient AYUSH treatment is covered up to the sum insured when hospitalisation takes place in an AYUSH-certified clinic, subject to policy terms.

VS

Young Star

Covered, subject to applicable policy terms


Consumable Cover

Enhance Super Top-up

Routine non-medical consumables are not listed as a separate standard benefit. Check the policy's admissible-expense rules before assuming consumables such as gloves, masks or other non-medical items will be reimbursed.

VS

Young Star

Not specifically mentioned in the supplied policy document


Initial Waiting Period

Enhance Super Top-up

30 days for illnesses from the policy start date, except injuries, subject to the policy terms.

VS

Young Star

30 Days, except for eligible accident-related claims

Specific Waiting Period

Enhance Super Top-up

24 months for specified illnesses and procedures, subject to the applicable list and policy conditions.

VS

Young Star

12 Months for specified diseases and procedures


PED Waiting Period

Enhance Super Top-up

36 months of continuous coverage for pre-existing diseases, subject to policy terms and underwriting.

VS

Young Star

12 Months for pre-existing diseases and their direct complications


Modern Treatment

Enhance Super Top-up

Covers eligible advanced technology treatments, subject to the policy's specified treatment list, medical necessity and applicable terms. Covered expenses are payable up to the sum insured.

VS

Young Star

Covered subject to applicable limits

Annual Health Checkup

Enhance Super Top-up

Annual health check-ups are available for covered adult members regardless of previous claim history, subject to the policy terms.

VS

Young Star

Available after completion of each policy year, subject to applicable limits and renewal


Pre-Hospitalisation

Enhance Super Top-up

Eligible medical expenses incurred up to 60 days before hospitalisation are covered, subject to policy conditions and the relationship of the expenses to the hospitalisation.

VS

Young Star

Covered for up to 60 Days

Post-Hospitalisation

Enhance Super Top-up

Eligible medical expenses for up to 180 days after discharge are covered under the insurer's current product listing, subject to policy conditions.

VS

Young Star

Covered for up to 90 Days

Outpatient Department Cover (OPD Expense)

Enhance Super Top-up

Routine OPD treatment is not a core hospitalisation benefit. The plan lists unlimited general-physician e-consultations and discounts on selected healthcare services.

VS

Young Star

Not specified as a standard OPD benefit

Deductible Option

Enhance Super Top-up

A deductible applies before the super top-up pays eligible expenses. Options vary by plan variant; the deductible must be considered alongside the base health insurance and the amount the customer can pay personally.

VS

Young Star

1-day deductible applies to the Hospital Cash Benefit


Coverage Options

Enhance Super Top-up

Available on an individual and family floater basis. The plan offers Enhance 1 and Enhance 2 options with different sum insured and deductible combinations. The maximum sum insured is ₹55 lakh.

VS

Young Star

₹3 Lakh to ₹1 Crore, with ₹3 Lakh available only on an individual basis; higher options available on individual and floater basis


Claim Settlement Ratio

Enhance Super Top-up

Care Health Insurance's insurer-level claim settlement ratio should be displayed using the verified financial year and published methodology adopted by OneAssure. It is not a separate benefit or guarantee of an individual claim.

VS

Young Star

Not specified in the supplied policy document

Maternity Cover

Enhance Super Top-up

Maternity expenses, including childbirth-related expenses, are generally excluded. The plan's healthcare-service discount programme may offer discounts on maternity services, but this is not the same as insurance coverage for maternity expenses.

VS

Young Star

Delivery expenses up to ₹30,000 per delivery under the Gold Plan, subject to a 36-month waiting period and other conditions


Insurance Plans Comparison

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Explore Insurance Category

Senior Citizen Health Plan

Senior Citizen Health Plan

  • Secure against age-related medical costs

  • Tailored for seniors healthcare needs

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Family Health Plan

Family Health Plan

  • One policy covers the entire family

  • High sum insured with cashless care

  • Multiple coverage options based on your family needs

Maternity Health Plan

Maternity Health Plan

  • Covers delivery, newborn care, and maternity expenses

  • Reduces financial stress of childbirth costs

Insurance Plans Comparison

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