How does OneAssure help me compare health insurance policies and choose the best plan?

OneAssure allows you to compare multiple health insurance policies side by side, analyzing coverage, premiums, hospital networks, and benefits to choose the most suitable plan for your needs.

What is the difference between cashless and reimbursement claims in health insurance policies?

Cashless claims let you get treatment at network hospitals without paying upfront, while reimbursement claims require you to pay first and get refunded later.

Does OneAssure provide expert guidance while selecting health insurance with maternity or newborn coverage?

Yes, OneAssure’s insurance experts guide you in selecting plans with maternity benefits, newborn cover, and short waiting periods for family planning needs.

How do co-payment clauses impact health insurance premiums and claim settlements?

Co-payment means you share a part of the claim cost. Opting for co-pay lowers your premium but increases your out-of-pocket expenses.

Which health insurance plan offers the best coverage for critical illnesses and pre-existing diseases?

Plans with comprehensive coverage, minimal waiting periods, and optional critical illness riders are ideal. OneAssure helps identify policies that best meet these requirements.

Can I compare waiting periods and sub-limits for hospitalisation expenses on OneAssure?

Yes, OneAssure’s comparison tool highlights waiting periods, sub-limits, and exclusions so you can choose a policy that maximizes benefits and minimizes restrictions.

What are room rent limits in health insurance, and how do they affect claims?

Room rent limits cap the daily room cost covered by your insurer. Choosing a plan without strict limits ensures higher claim payouts.

Does OneAssure assist with health insurance claims and renewals after I purchase a policy?

Absolutely. OneAssure provides end-to-end support for claims, renewals, and queries, ensuring a hassle-free experience throughout your policy tenure.

How can I check if a health insurance plan covers daycare procedures and modern treatments?

OneAssure’s policy comparison clearly lists daycare and advanced treatment coverage, helping you pick a plan aligned with your healthcare needs.

What documents are needed to buy and claim a health insurance policy online via OneAssure?

To buy a policy, you need ID proof, address proof, and medical details. For claims, hospital bills, prescriptions, and discharge summaries are required.

Oneassure

Health Insurance

Compare Health Insurance Plans

Prohealth Preferred Vs Assure

Insurance Plans Comparison

ManipalCigna ProHealth Preferred vs Star Assure

Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare coverage, benefits, and premiums to find the perfect plan for your needs.

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

ProHealth Preferred

What Makes It Special:

ProHealth 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

Assure

Star Health Assure Insurance Policy

What Makes It Special:

Star Health Assure is a flexible, high-limit health insurance plan designed for individuals and families, with coverage options from ₹5 lakh up to ₹2 crore. The plan offers cashless hospitalization across a wide network, daily hospital cash benefits, and no room rent restrictions on standard rooms. It features lifetime renewability,...

Best For:

Unlimited restoration option plan
Premium floater family health plan
Flexible high-sum insured protection
Flexible options for payment of premium

Insurance Plans Comparison

Get Personalized Advice

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

Name

Phone Number

Email

Your Enquiry

Name

Phone Number

Email

Your Enquiry

Quick Decision Guide

ManipalCigna ProHealth Preferred

Not available

Star Assure

You want maternity and newborn coverage included
You want no room rent capping for standard rooms
You value unlimited restoration of sum insured
You want coverage up to ₹2 crore for family

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

ProHealth Preferred

Health Insurance Plan

Policy Wording

VS

Assure

Health Insurance Plan

Brochure

Room Rent
ProHealth Preferred Normal: Any Room Category (excluding Suite and higher category) ICU: Covered up to Sum Insured	Assure Capped at up to 1% of Sum Insured per day for a ₹5 Lakh cover. For ₹10 Lakh to ₹25 Lakh cover: Any room allowed except suites. For ₹50 Lakh to ₹2 Crore cover: Any room category with zero restrictions (Suites included). Proportionate deduction applies if an higher room tier is chosen.

Advanced Treatments
ProHealth Preferred Robotic Surgery Cyber Knife Treatment Worldwide Emergency Treatment Organ Transplant Related Hospitalization	Assure Not Available

ICU Charges
ProHealth Preferred Not Available	Assure No restriction on ICU room rent

Co-payment
ProHealth Preferred No mandatory co-pay below age 65 20% mandatory co-pay for insured persons aged 65 years and above Additional zone-based co-pay may apply for treatment outside selected zone	Assure 0% for entries up to age 60. A mandatory 10% co-payment applies to each and every claim if the insured person's age at entry is 61 years or older.

Disease-wise sublimits
ProHealth Preferred Not Available	Assure No

Waiting Period
ProHealth Preferred Initial Waiting Period: 30 days Pre-existing Disease Waiting Period: 24 months	Assure Not Available

Cashless Healthcare Providers
ProHealth Preferred Available through ManipalCigna network hospitals	Assure 14000+ Healthcare Providers

Restoration Benefit
ProHealth Preferred Not Available	Assure Yes, your sum insured restores to 100% each time you make a claim in a policy year, for both related and unrelated illnesses

Daycare Treatment
ProHealth Preferred Covered	Assure Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured

Cumulative Bonus
ProHealth Preferred Not Available	Assure 25% of the Sum Insured for each claim-free year, up to a maximum of 100%.

AYUSH Treatment
ProHealth Preferred Covered	Assure Covers AYUSH treatment expenses up to your annual sum insured during the policy period

Consumable Cover
ProHealth Preferred Not Available	Assure Yes

Initial Waiting Period
ProHealth Preferred Not Available	Assure 30 days.

Specific Waiting Period
ProHealth Preferred Not Available	Assure 2 years

PED Waiting Period
ProHealth Preferred Not Available	Assure 36 months (3 years) for 1 and 2-year policy terms; reduced to 30 months if a 3-year policy term is chosen up front.

Modern Treatment
ProHealth Preferred Not Available	Assure Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period

Annual Health Checkup
ProHealth Preferred Not Available	Assure Health check-up is available once every policy year, from day 1 of the policy

Pre-Hospitalisation
ProHealth Preferred Not Available	Assure You get cover for medical tests and doctor visits up to 60 days before hospitalisation, if your main claim is approved

Post-Hospitalisation
ProHealth Preferred Not Available	Assure You get cover for medical bills up to 180 days after discharge, including physiotherapy if your doctor prescribes it

Outpatient Department Cover (OPD Expense)
ProHealth Preferred Not Available	Assure Not included for general consultations or regular pharmacies. Outpatient benefits are available exclusively for Chronic Severe Refractory Asthma up to specified policy sub-limits.

Deductible Option
ProHealth Preferred Not Available	Assure Available as an option

Coverage Options
ProHealth Preferred Not Available	Assure Available coverage options: ₹5L, ₹10L, ₹15L, ₹20L, ₹25L, ₹50L, ₹75L, ₹1 Cr, ₹2 Cr

Claim Settlement Ratio
ProHealth Preferred Not Available	Assure 82.31%

Maternity Cover
ProHealth Preferred Not Available	Assure Covered up to 10% of the Sum Insured after a continuous 24-month waiting period. Requires both spouses to be covered under the same policy.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

ProHealth Preferred

Health Insurance Plan

Policy Wording

VS

Assure

Health Insurance Plan

Brochure

Room Rent
ProHealth Preferred Normal: Any Room Category (excluding Suite and higher category) ICU: Covered up to Sum Insured
VS VS
Assure Capped at up to 1% of Sum Insured per day for a ₹5 Lakh cover. For ₹10 Lakh to ₹25 Lakh cover: Any room allowed except suites. For ₹50 Lakh to ₹2 Crore cover: Any room category with zero restrictions (Suites included). Proportionate deduction applies if an higher room tier is chosen.

Advanced Treatments
ProHealth Preferred Robotic Surgery Cyber Knife Treatment Worldwide Emergency Treatment Organ Transplant Related Hospitalization
VS VS
Assure Not Available

ICU Charges
ProHealth Preferred Not Available
VS VS
Assure No restriction on ICU room rent

Co-payment
ProHealth Preferred No mandatory co-pay below age 65 20% mandatory co-pay for insured persons aged 65 years and above Additional zone-based co-pay may apply for treatment outside selected zone
VS VS
Assure 0% for entries up to age 60. A mandatory 10% co-payment applies to each and every claim if the insured person's age at entry is 61 years or older.

Disease-wise sublimits
ProHealth Preferred Not Available
VS VS
Assure No

Waiting Period
ProHealth Preferred Initial Waiting Period: 30 days Pre-existing Disease Waiting Period: 24 months
VS VS
Assure Not Available

Cashless Healthcare Providers
ProHealth Preferred Available through ManipalCigna network hospitals
VS VS
Assure 14000+ Healthcare Providers

Restoration Benefit
ProHealth Preferred Not Available
VS VS
Assure Yes, your sum insured restores to 100% each time you make a claim in a policy year, for both related and unrelated illnesses

Daycare Treatment
ProHealth Preferred Covered
VS VS
Assure Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured

Cumulative Bonus
ProHealth Preferred Not Available
VS VS
Assure 25% of the Sum Insured for each claim-free year, up to a maximum of 100%.

AYUSH Treatment
ProHealth Preferred Covered
VS VS
Assure Covers AYUSH treatment expenses up to your annual sum insured during the policy period

Consumable Cover
ProHealth Preferred Not Available
VS VS
Assure Yes

Initial Waiting Period
ProHealth Preferred Not Available
VS VS
Assure 30 days.

Specific Waiting Period
ProHealth Preferred Not Available
VS VS
Assure 2 years

PED Waiting Period
ProHealth Preferred Not Available
VS VS
Assure 36 months (3 years) for 1 and 2-year policy terms; reduced to 30 months if a 3-year policy term is chosen up front.

Modern Treatment
ProHealth Preferred Not Available
VS VS
Assure Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period

Annual Health Checkup
ProHealth Preferred Not Available
VS VS
Assure Health check-up is available once every policy year, from day 1 of the policy

Pre-Hospitalisation
ProHealth Preferred Not Available
VS VS
Assure You get cover for medical tests and doctor visits up to 60 days before hospitalisation, if your main claim is approved

Post-Hospitalisation
ProHealth Preferred Not Available
VS VS
Assure You get cover for medical bills up to 180 days after discharge, including physiotherapy if your doctor prescribes it

Outpatient Department Cover (OPD Expense)
ProHealth Preferred Not Available
VS VS
Assure Not included for general consultations or regular pharmacies. Outpatient benefits are available exclusively for Chronic Severe Refractory Asthma up to specified policy sub-limits.

Deductible Option
ProHealth Preferred Not Available
VS VS
Assure Available as an option

Coverage Options
ProHealth Preferred Not Available
VS VS
Assure Available coverage options: ₹5L, ₹10L, ₹15L, ₹20L, ₹25L, ₹50L, ₹75L, ₹1 Cr, ₹2 Cr

Claim Settlement Ratio
ProHealth Preferred Not Available
VS VS
Assure 82.31%

Maternity Cover
ProHealth Preferred Not Available
VS VS
Assure Covered up to 10% of the Sum Insured after a continuous 24-month waiting period. Requires both spouses to be covered under the same policy.

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.

Name

Phone Number

Email

Your Enquiry

Name

Phone Number

Email

Your Enquiry

Why Choose Our Expert Consultation?

End-to-End Support

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

Zero Spam. Zero Hassle

Pure advice, no unwanted calls, no unnecessary push

Free Expert Consultation

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

24/7 Claim Assistance

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

End-to-End Support

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

Zero Spam. Zero Hassle

Pure advice, no unwanted calls, no unnecessary push

Free Expert Consultation

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

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

Secure against age-related medical costs
Tailored for seniors healthcare needs

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

Covers delivery, newborn care, and maternity expenses
Reduces financial stress of childbirth costs

Senior Citizen Health Plan

Secure against age-related medical costs
Tailored for seniors healthcare needs

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

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.

1-5 of 10 FAQs

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Oneassure

Health Insurance

Compare Health Insurance Plans

Prohealth Preferred Vs Assure