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Insurance Plans Comparison

Star Super Star vs ManipalCigna ProHealth Accumulate

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

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Star

Super Star

Restore up to 100% of the sum insured unlimited times for later hospital stays, lock your entry-age premium until an inpatient, day-care or AYUSH claim or age 55, and stay in any room.

What Makes It Special:

Super Star is a highly customizable health insurance plan with broad hospitalisation coverage, unlimited restoration and flexible optional benefits. The product supports individual, floater and multi-individual structures and includes Freeze Your Age, wellness rewards, premium waiver and optional maternity and newborn covers

Best For:

  • Buyers who want extensive optional cover choices

  • Customers looking for any-room eligibility

  • Customers interested in unlimited restoration

  • Families wanting flexible floater options

  • Individuals seeking broad health coverage

VS
ManipalCigna

ProHealth Accumulate

Carry forward a health maintenance benefit for outpatient and inpatient care, add 5% to any unused balance, and put up to half of it toward renewal premium, plus a guaranteed 5% cumulative bonus up to 200%.

What Makes It Special:

ProHealth focuses on providing essential health coverage at an affordable premium. It's designed for budget-conscious individuals who want reliable coverage.

Best For:

  • Not available

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

Star Super Star

Not available

ManipalCigna ProHealth Accumulate

Not available

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Super Star
Super Star

Health Insurance Plan

Brochure

Policy Wording

VS
ProHealth Accumulate
ProHealth Accumulate

Health Insurance Plan

Policy Wording

Room Rent

Super Star

Any Room


VS

ProHealth Accumulate

Normal: Single Private AC Room

ICU: Up to Sum Insured

ICU Charges

Super Star

Covered up to Sum Insured

VS

ProHealth Accumulate

Information Unavailable

Advanced Treatments

Super Star

Information Unavailable

VS

ProHealth Accumulate

Sum Insured below ₹5 Lakh: Covered up to 50% of Sum Insured

Sum Insured ₹5 Lakh and above: Covered up to Sum Insured

Co-payment

Super Star

No mandatory co-payment; voluntary options available


VS

ProHealth Accumulate

Not mentioned

Disease-wise sublimits

Super Star

Applicable treatment-specific limits may apply


VS

ProHealth Accumulate

Information Unavailable

Waiting Period

Super Star

Information Unavailable

VS

ProHealth Accumulate

Initial Waiting Period: 30 Days

Pre-existing Disease Waiting Period:

Sum Insured up to ₹5 Lakh: 36 Months

Sum Insured ₹7.5 Lakh and above: 24 Months

Specific Disease/Procedure Waiting Period: 24 Months

Bariatric Surgery Waiting Period: 36 Months

Maternity & Infertility Waiting Period: 36 Months

Cashless Healthcare Providers

Super Star

Cashless treatment through network hospitals

VS

ProHealth Accumulate

Not mentioned

Restoration Benefit

Super Star

Automatic restoration up to 100%, unlimited number of times

VS

ProHealth Accumulate

Information Unavailable

Cumulative Bonus

Super Star

50% of Sum Insured for each claim-free year, up to 100%


VS

ProHealth Accumulate

Information Unavailable

Daycare Treatment

Super Star

All daycare procedures covered


VS

ProHealth Accumulate

Covered up to Sum Insured

Consumable Cover

Super Star

Available subject to selected cover

VS

ProHealth Accumulate

Information Unavailable

AYUSH Treatment

Super Star

Covered up to Sum Insured

VS

ProHealth Accumulate

Covered up to Sum Insured

Initial Waiting Period

Super Star

30 Days

VS

ProHealth Accumulate

Information Unavailable

Specific Waiting Period

Super Star

24 Months

VS

ProHealth Accumulate

Information Unavailable

PED Waiting Period

Super Star

36 Months

VS

ProHealth Accumulate

Information Unavailable

Modern Treatment

Super Star

Covered up to Sum Insured


VS

ProHealth Accumulate

Information Unavailable

Annual Health Checkup

Super Star

Available subject to policy terms


VS

ProHealth Accumulate

Information Unavailable

Pre-Hospitalisation

Super Star

Up to 90 Days

VS

ProHealth Accumulate

Information Unavailable

Post-Hospitalisation

Super Star

Up to 180 Days

VS

ProHealth Accumulate

Information Unavailable

Outpatient Department Cover (OPD Expense)

Super Star

Not a standard base OPD benefit

VS

ProHealth Accumulate

Information Unavailable

Deductible Option

Super Star

Optional aggregate deductible available

VS

ProHealth Accumulate

Information Unavailable

Coverage Options

Super Star

₹5 Lakh to ₹1 Crore and Unlimited Sum Insured under the applicable option

VS

ProHealth Accumulate

Information Unavailable

Claim Settlement Ratio

Super Star

Not specified

VS

ProHealth Accumulate

Information Unavailable

Maternity Cover

Super Star

Available through optional covers


VS

ProHealth Accumulate

Information Unavailable

Insurance Plans Comparison

Still Confused? Get Expert Advice

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

Why Choose Our Expert Consultation?

End-to-End Support

End-to-End Support

From choosing the right policy to managing claims, every step is handled for you

Zero Spam. Zero Hassle

Zero Spam. Zero Hassle

Pure advice, no unwanted calls, no unnecessary push

Free Expert Consultation

Free Expert Consultation

Talk to experienced advisors at no cost, and make confident decisions

24/7 Claim Assistance

24/7 Claim Assistance

Get a dedicated expert managing your claim end-to-end, from hospital admission to approval, including dispute resolution and support

What Our Experts Help You With

Personalised Recommendations

  • Every suggestion is backed by expert analysis of your life stage, goals, and budget

Expert-Led Policy Review

  • We decode the fine print—identifying risks, sub-limits, and gaps you may have missed. No surprises later

Smart, Tech-Enabled Experience

  • From digital onboarding to real-time claim tracking, our platform makes insurance easy, accessible, and stress-free

Insurance Plans Comparison

Explore Insurance Category

Senior Citizen Health Plan

Senior Citizen Health Plan

  • Secure against age-related medical costs

  • Tailored for seniors healthcare needs

Most Popular

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

Frequently Asked Questions (FAQs)

Having questions? We've got answers. Explore our FAQs to find the information you need.

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