Star Health Insurance Young Star Gold vs Care Health Insurance Heart

Single Private Room is included as part of base cover. However, you can opt for Room Modifier Add-on to upgrade or downgrade the room category

Up to ₹3 L sum insured – 1% of Sum Insured per day

No restriction on ICU room rent

Up to ₹3 L sum insured – 2% of Sum Insured per day

Yes, certain diseases have coverage limits

Yes

Not Available

In-built co-payment: 20% if entry age ≤ 70 years, 30% if entry age > 70 years.

13000+ Healthcare Providers

21700+ Healthcare Providers

Sum insured restores to 100% after each claim during the policy year

Provides 1 restoration of the base cover upon exhaustion, applicable for unrelated illnesses only

Sum insured increases by 20% every year, up to 100% max

Your sum insured increases by 10% each policy year as a No-Claim Bonus, up to 50% of the sum insured. The bonus reduces by 10% for every claim paid

Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured

Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured

Yes

No. However, available as an add-on

Covers AYUSH treatment expenses up to your annual sum insured during the policy period

Covers AYUSH treatment expenses up to your annual sum insured during the policy period

30 days.

30 days

1 year

2 years

1 year

2 years

Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period

Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period

Health check-up is available once every policy year, from day 1 of the policy

Health check-up is available from the first policy year

You get cover for medical tests and doctor visits up to 60 days before hospitalisation, if your main claim is approved

You get cover for medical tests and doctor visits up to 30 days before hospitalisation, if your main claim is approved

You get cover for medical bills up to 90 days after discharge, including physiotherapy if your doctor prescribes it

You get cover for medical bills up to 60 days after discharge, including physiotherapy if your doctor prescribes it

Not covered under base plan (available as add-on)

OPD expense is not included

Available as an option

Not available

Available coverage options:₹3L, ₹5L, 10L, 15L, 20L, 25L, 50L, 75L and 1 Cr

Available coverage options: ₹3L, ₹5L, ₹7L and ₹10L

99.21%

87.10%

Available

Not available