Insurance Plans Comparison
Star Women Care vs HDFC ERGO myHealth Suraksha Silver
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreWhat Makes It Special:
Star Women Care is a specialized health plan designed for women and their families. It offers coverage from ₹5 lakh to ₹1 crore with benefits like maternity, newborn care, preventive check-ups, OPD consultations, and wellness rewards. The plan also includes coverage for surrogacy, oocyte donation, modern treatments, AYUSH, and organ...
Best For:
Wellness-linked, preventive care insurance
Automatic sum insured restoration
Premium maternity and newborn care
Comprehensive women’s family health protection
(4-5 word description of the type of plan)
VS
myHealth Suraksha Silver
Cover hospitalisation, cashless home treatment and day care, with 60 days before admission and 180 days after discharge, plus a 5% bonus each claim-free year up to 50% of the sum insured.
What Makes It Special:
HDFC ERGO my:health Suraksha Silver is an older health insurance variant that covers eligible hospitalisation expenses, including room rent and ICU charges at actuals, and provides pre- and post-hospitalisation coverage, daycare treatment, AYUSH treatment and home healthcare, subject to the applicable policy terms.
Best For:
Customers checking whether optional benefits such as Sum Insured Rebound are included in their policy schedule.
Policyholders who want to understand how optional co-payment choices affect their share of admissible claims.
Buyers who want pre- and post-hospitalisation expenses included in their health cover.
Individuals seeking cover for eligible inpatient hospitalisation expenses.
Existing policyholders reviewing the benefits and conditions of their my:health Suraksha Silver policy.
Insurance Plans Comparison
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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
You prefer no medical check-up before purchase
You enjoy earning wellness points and premium discounts
You need surrogacy and oocyte donor coverage
You want automatic sum insured restoration after a claim
You value OPD consultations and yearly health check-ups
Verify network hospital status and any optional covers before planning treatment or relying on a particular benefit.
Confirm whether Sum Insured Rebound has been selected and understand the conditions governing its use.
Check the 4-year PED waiting period against your declared medical history and policy start date.
Review the selected co-payment percentage to understand your potential out-of-pocket share of admissible claims.
Check the UIN and policy schedule to confirm that your policy is Silver and not Silver Smart.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
![]() Women Care Health Insurance Plan VS VS |
![]() myHealth Suraksha Silver Health Insurance Plan |
| Room Rent |
|---|
Women Care Up to 1% of SI (₹5L); Single AC up to ₹25L; any room above ₹50L |
VS VS |
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) |
| ICU Charges |
|---|
Women Care No restriction on ICU room rent |
VS VS |
myHealth Suraksha Silver At actuals, subject to policy terms. |
| Advanced Treatments |
|---|
Women Care Information Unavailable |
VS VS |
myHealth Suraksha Silver All Advance Treatment are Covered |
| Disease-wise sublimits |
|---|
Women Care No |
VS VS |
myHealth Suraksha Silver No complete Silver-specific confirmation available; check the applicable policy wording. |
| Co-payment |
|---|
Women Care Yes (subject to co-payment of 10% for insured person whose age at the time of entry is 61 years and above) |
VS VS |
myHealth Suraksha Silver Optional Co-payment available |
| Cashless Healthcare Providers |
|---|
Women Care 13000+ Healthcare Providers |
VS VS |
myHealth Suraksha Silver Available through network hospitals |
| Restoration Benefit |
|---|
Women Care 100% once after full/partial utilization in a year |
VS VS |
myHealth Suraksha Silver Sum Insured Rebound is an optional benefit under Silver; it is subject to conditions and is not unlimited restoration. |
| Daycare Treatment |
|---|
Women Care Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured |
VS VS |
myHealth Suraksha Silver Covered |
| Cumulative Bonus |
|---|
Women Care 20% each year, up to 100% |
VS VS |
myHealth Suraksha Silver 5% per claim-free year, up to 50% of basic sum insured. |
| AYUSH Treatment |
|---|
Women Care Covers AYUSH treatment expenses up to your annual sum insured during the policy period |
VS VS |
myHealth Suraksha Silver Covered |
| Consumable Cover |
|---|
Women Care Yes |
VS VS |
myHealth Suraksha Silver Medicines, drugs and consumables are included in listed medical expenses, subject to policy terms. |
| Initial Waiting Period |
|---|
Women Care 30 days. |
VS VS |
myHealth Suraksha Silver 30 days for illnesses; accident-related claims are generally exempt. |
| Specific Waiting Period |
|---|
Women Care 2 years |
VS VS |
myHealth Suraksha Silver 24 months for listed illnesses and procedures. |
| PED Waiting Period |
|---|
Women Care 3 years |
VS VS |
myHealth Suraksha Silver 4 years under the older Silver variant terms. |
| Modern Treatment |
|---|
Women Care Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period |
VS VS |
myHealth Suraksha Silver Information Unavailable |
| Annual Health Checkup |
|---|
Women Care Health check-up is available once every policy year, from day 1 of the policy |
VS VS |
myHealth Suraksha Silver Available after 4 consecutive claim-free policy years under the older prospectus; eligibility and limits apply. |
| Pre-Hospitalisation |
|---|
Women Care You get cover for medical tests and doctor visits up to 60 days before hospitalisation, if your main claim is approved |
VS VS |
myHealth Suraksha Silver 60 days for eligible expenses. |
| Post-Hospitalisation |
|---|
Women Care You get cover for medical bills up to 90 days after discharge, including physiotherapy if your doctor prescribes it |
VS VS |
myHealth Suraksha Silver 180 days for eligible expenses. |
| Outpatient Department Cover (OPD Expense) |
|---|
Women Care OPD is available |
VS VS |
myHealth Suraksha Silver Not covered as a standard OPD benefit; verify any separately selected optional cover. |
| Deductible Option |
|---|
Women Care Not Available |
VS VS |
myHealth Suraksha Silver Not verified for the exact Silver variant. |
| Coverage Options |
|---|
Women Care Available coverage options: ₹5L, ₹10L, ₹15L, ₹20L, ₹25L, ₹50L,₹1 Cr |
VS VS |
myHealth Suraksha Silver Individual and Family Floater; sum-insured options depend on the applicable policy version. |
| Claim Settlement Ratio |
|---|
Women Care 82.31% |
VS VS |
myHealth Suraksha Silver 97.45% for HDFC ERGO health claims in FY 2024–25, calculated using claims settled against claims available to settle. This is insurer-level, not product-specific. |
| Maternity Cover |
|---|
Women Care Available |
VS VS |
myHealth Suraksha Silver Exact Silver-specific coverage for modern treatments not verified. |
Insurance Plans Comparison
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