Insurance Plans Comparison
HDFC ERGO myHealth Suraksha Silver vs Star Comprehensive
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moremyHealth Suraksha Silver
myHealth Suraksha Silver
What Makes It Special:
myHealth Suraksha is designed for those who want comprehensive coverage without restrictions. It offers extensive coverage for modern treatments and innovative features.
Best For:
- Not available
VS
Comprehensive
Family health insurance with maternity, OPD, dental and eye cover, 100% restoration and up to 100% cumulative bonus.
What Makes It Special:
An all-in-one family health plan that combines hospitalisation cover with maternity and new-born cover, OPD consultations, dental and eye care, hospital cash, bariatric surgery and accidental death/disability cover in a single policy.
Best For:
People under 61 who want to avoid co-payment
Buyers looking for a fast-growing bonus (100% after one claim-free year for SI ₹7.5L+)
People who want OPD, dental and eye expenses included
Families wanting individual or floater cover up to ₹1 crore
Young couples planning a family (maternity and new-born cover)
Insurance Plans Comparison
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Quick Decision Guide
Not available
Things to Consider: Premiums vary by city zone.
Things to Consider: Modern treatments and bariatric surgery have sublimits.
Things to Consider: Maternity needs both spouses covered for 24 months, and delivery limits are modest at lower SI.
Things to Consider: 10% co-payment for people who join at age 61 or above.
Things to Consider: 36-month PED waiting period, unless you buy the optional PED buy-back (reduces it to 12 months).
Reasons to Consider: 60 days of pre- and 90 days of post-hospitalisation cover, plus air ambulance and home care.
Reasons to Consider: Cumulative bonus up to 100% of SI, plus 100% restoration once a year (usable for the same illness).
Reasons to Consider: OPD consultations and dental/eye treatment covered outside the Sum Insured.
Reasons to Consider: Delivery (up to 2) and new-born cover after 24 months.
Reasons to Consider: Private single AC room with no fixed room rent cap.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
![]() myHealth Suraksha Silver Health Insurance Plan VS VS |
![]() Comprehensive Health Insurance Plan |
| Room Rent |
|---|
myHealth Suraksha Silver 1% of Sum Insured per day, subject to a maximum of ₹5,000 per day (if Room Rent Restriction Option is selected) 2% of Sum Insured per day, subject to a maximum of ₹10,000 per day (if Room Rent Restriction Option is selected) |
VS VS |
Comprehensive Information Unavailable |
| Advanced Treatments |
|---|
myHealth Suraksha Silver All Advance Treatment are Covered |
VS VS |
Comprehensive Coverage includes robotic surgeries, stem cell therapy, organ transplants, modern cancer treatments, bariatric surgery, and advanced cardiac procedures as per policy terms. |
| ICU Charges |
|---|
myHealth Suraksha Silver Information Unavailable |
VS VS |
Comprehensive Covered up to Sum Insured; no separate ICU cap. |
| Co-payment |
|---|
myHealth Suraksha Silver Optional Co-payment available |
VS VS |
Comprehensive This policy is subject to co-payment of 10% of each and every claim amount for fresh as well as renewal policies for insured persons whose age at the time of entry is 61 years and above |
| Waiting Period |
|---|
myHealth Suraksha Silver Initial Waiting Period: 30 Days Pre-existing Disease Waiting Period: 48 Months |
VS VS |
Comprehensive
|
| Cashless Healthcare Providers |
|---|
myHealth Suraksha Silver Available through network hospitals |
VS VS |
Comprehensive Access to over 14,000+ cashless healthcare providers for seamless treatment. |
| Daycare Treatment |
|---|
myHealth Suraksha Silver Covered |
VS VS |
Comprehensive covered by the policy. |
| Cumulative Bonus |
|---|
myHealth Suraksha Silver Information Unavailable |
VS VS |
Comprehensive SI ₹5L: 50% of Basic SI per claim-free year, max 100%. SI ₹7.5L and above: 100% of Basic SI after one claim-free year, max 100%. |
| AYUSH Treatment |
|---|
myHealth Suraksha Silver Covered |
VS VS |
Comprehensive AYUSH treatments are covered up to the sum insured. |
| Consumable Cover |
|---|
myHealth Suraksha Silver Information Unavailable |
VS VS |
Comprehensive Not mentioned (no separate consumables cover in the policy documents). |
| Initial Waiting Period |
|---|
myHealth Suraksha Silver Information Unavailable |
VS VS |
Comprehensive 30 days (accidents excepted) |
| Specific Waiting Period |
|---|
myHealth Suraksha Silver Information Unavailable |
VS VS |
Comprehensive 24 months for listed diseases/procedures; 36 months for Bariatric Surgery; 24 months for Delivery and New Born cover |
| Modern Treatment |
|---|
myHealth Suraksha Silver Information Unavailable |
VS VS |
Comprehensive
|
Insurance Plans Comparison
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Insurance Plans Comparison
Explore Insurance Category
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Maternity Health Plan
Covers delivery, newborn care, and maternity expenses
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