Star Health Insurance Young Star Gold vs Care Health Insurance Enhance 1

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

1. Normal:  No limit on room rent.
2. ICU: No limit on ICU charges.

No restriction on ICU room rent

No restriction on ICU room rent

1. Robotic surgery
2. Stem cell therapy
3. Deep brain stimulation
4. Immunotherapy
5. Monoclonal antibody injections
6. Oral chemotherapy
7. Intra-vitreal injections
8. Balloon Sinuplasty.

Yes, certain diseases have coverage limits

No

Not Available

No mandatory co-payment for policyholders below 61 years. Policyholders above 61 years have a mandatory 20% co-payment.

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13000+ Healthcare Providers

Access to 24,800+ network hospitals for cashless treatment.

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

Yes, your sum insured restores to 100% each time you make a claim in a policy year, for both related and unrelated illnesses

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

Your sum insured increases by 10% every year, maximum up to 100%

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

.

Yes

Yes

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

.

30 days.

30 days

1 year

2 years

1 year

3 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 once every policy year, from day 1 of the policy

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 60 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 90 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

Available

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

Available coverage options: 20L to 1cr

99.21%

87.10%

Available

Not available