Insurance Plans Comparison
Care Plus Youth vs Star Health Gain
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read morePlus Youth
Care Plus Youth is a health insurance plan for young adults, offering hospitalisation cover, unlimited automatic recharge, OPD benefits and protection against rising medical costs.
What Makes It Special:
Care Plus Youth is designed for young adults, with individual and family floater options. Its benefits include hospitalisation, OPD consultations and dental and eye treatments, No Claim Bonus Protect, Inflation Shield and unlimited automatic recharge, subject to policy terms.
Best For:
Couples or families considering optional maternity and newborn cover.
Individuals looking for automatic recharge and a no-claim bonus.
Customers who value OPD consultations and dental and eye treatment benefits.
People who want hospitalisation and eligible daycare treatment cover.
Young adults looking to buy individual health insurance early.
VS
Health Gain
Flexible Health Insurance with Hospitalisation and OPD Benefits
What Makes It Special:
Inpatient Hospitalisation and Outpatient Medical Expenses
Best For:
Customers looking for daycare and eligible AYUSH treatment coverage.
Customers who use outpatient services at networked facilities.
Customers seeking flexible Sum Insured options.
Families looking for Individual or Family Floater coverage.
Individuals seeking inpatient and outpatient health insurance benefits.
Insurance Plans Comparison
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Quick Decision Guide
If you need maternity cover, verify eligibility, the 24-month waiting period and the applicable benefit limit.
Check the OPD limits and whether the optional Smart Select benefit suits your preferred hospitals.
Review room-rent and ICU limits based on your chosen sum insured.
Check the 30-day initial waiting period, 24-month named-ailment waiting period and 36-month PED waiting period.
Choose a sum insured that suits your healthcare needs and budget.
Check the treatment-specific sublimits.
Review the pre- and post-hospitalisation benefit periods.
Check the selected OPD benefit limit.
Understand the waiting periods for pre-existing diseases and specified treatments.
Review the co-payment applicable to entry age 61 and above.
Check the room rent limit.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
Plus Youth Health Insurance Plan VS VS |
![]() Health Gain Health Insurance Plan |
| Room Rent |
|---|
Plus Youth For sum insured below ₹5 lakh, room rent is limited to 1% of the sum insured per day. For sum insured of ₹5 lakh or above, the brochure lists a single private AC room. |
VS VS |
Health Gain
|
| ICU Charges |
|---|
Plus Youth For sum insured below ₹5 lakh, ICU charges are limited to 2% of the sum insured per day. For sum insured of ₹5 lakh or above, the brochure states no ICU charge limit. |
VS VS |
Health Gain Covered as part of eligible hospitalisation expenses. |
| Co-payment |
|---|
Plus Youth The Smart Select optional benefit offers a 15% discount on the base benefit premium and eligible maternity/newborn premium. If treatment is taken at a non-Smart Select network hospital, a 20% co-payment per claim applies under this option. |
VS VS |
Health Gain 20% for insured persons whose age at entry is 61 years and above. |
| Disease-wise sublimits |
|---|
Plus Youth Room-rent, ICU and benefit-specific limits apply. OPD, ambulance and optional maternity/newborn cover have defined monetary limits. Review the policy schedule for other applicable restrictions. |
VS VS |
Health Gain Sublimits apply to specified treatments, including cataract and listed modern treatments. |
| Cashless Healthcare Providers |
|---|
Plus Youth Cashless treatment is available through eligible network hospitals, subject to network status, pre-authorisation and policy conditions. Confirm the current hospital count before publishing a number. |
VS VS |
Health Gain Cashless treatment is available at eligible network hospitals, subject to pre-authorisation. |
| Restoration Benefit |
|---|
Plus Youth Unlimited Automatic Recharge is included as a listed base benefit. It can replenish the sum insured for eligible claims, subject to the policy’s recharge conditions. |
VS VS |
Health Gain Not specified. |
| Cumulative Bonus |
|---|
Plus Youth No Claim Bonus Protect increases the sum insured by 50% per claim-free policy year, up to 200% of the sum insured. If the total claim amount in a policy year is below 25% of the applicable sum insured, the accrued bonus is not reduced in the subsequent year. If the claim amount reaches or exceeds 25%, the accrued bonus may reduce according to the policy terms. |
VS VS |
Health Gain Not specified. |
| Daycare Treatment |
|---|
Plus Youth All eligible daycare procedures are covered up to the sum insured, subject to the policy’s definitions and exclusions. |
VS VS |
Health Gain Eligible daycare procedures are covered, subject to policy terms. |
| Consumable Cover |
|---|
Plus Youth A separate comprehensive consumables benefit is not specified in the uploaded brochure. |
VS VS |
Health Gain Not specified. |
| AYUSH Treatment |
|---|
Plus Youth Eligible AYUSH treatment is covered up to the sum insured, subject to the policy wording. |
VS VS |
Health Gain Eligible inpatient Ayurveda, Unani, Siddha and Homeopathy treatment is covered, subject to policy terms. |
| Initial Waiting Period |
|---|
Plus Youth 30 days from policy commencement for illnesses, except claims arising from accidents, as specified in the brochure. |
VS VS |
Health Gain 30 days, except for covered accident-related claims. |
| Specific Waiting Period |
|---|
Plus Youth 24 months for named ailments and procedures, subject to the policy wording and applicable exclusions. |
VS VS |
Health Gain 24 months for specified diseases and procedures. |
| PED Waiting Period |
|---|
Plus Youth 36 months for pre-existing diseases, subject to disclosure, acceptance and policy terms. |
VS VS |
Health Gain 36 months for pre-existing diseases. |
| Modern Treatment |
|---|
Plus Youth Covers eligible advanced technology treatments up to the sum insured, subject to policy terms, exclusions and applicable treatment definitions. |
VS VS |
Health Gain Specified modern treatments are covered, subject to policy limits. |
| Annual Health Checkup |
|---|
Plus Youth Available for adult insured members, subject to the applicable policy terms. |
VS VS |
Health Gain Not specified. |
| Pre-Hospitalisation |
|---|
Plus Youth Eligible medical expenses are covered for up to 60 days before an admissible hospitalisation, up to the sum insured. |
VS VS |
Health Gain Covered for up to 30 days before hospital admission. |
| Post-Hospitalisation |
|---|
Plus Youth Eligible medical expenses are covered for up to 90 days after discharge from an admissible hospitalisation, up to the sum insured. |
VS VS |
Health Gain Covered for up to 60 days after discharge. |
| Outpatient Department Cover (OPD Expense) |
|---|
Plus Youth Outpatient consultations and outpatient dental and ophthalmic treatments are covered within specified limits. For sum insured of ₹5 lakh–₹7 lakh, the brochure lists up to ₹1,500; for ₹10 lakh–₹25 lakh, up to ₹2,500. Consultation limits are ₹350 per consultation. |
VS VS |
Health Gain Available at networked facilities in India, up to the selected benefit limit. |
| Deductible Option |
|---|
Plus Youth No deductible option is listed in the uploaded brochure’s optional-benefit section. |
VS VS |
Health Gain Not specified. |
| Coverage Options |
|---|
Plus Youth Available as individual or family floater cover, with annual sum insured options listed from ₹3 lakh to ₹25 lakh. The brochure lists several family combinations. |
VS VS |
Health Gain Individual and Family Floater. |
| Claim Settlement Ratio |
|---|
Plus Youth This is an insurer-level metric, not a product-specific ratio. Use Care Health Insurance’s verified latest financial-year claim settlement figure if required; the uploaded brochure does not provide one. |
VS VS |
Health Gain Insurer-level metric, not a policy benefit. |
| Maternity Cover |
|---|
Plus Youth Optional maternity and newborn cover: ₹15,000 for sum insured up to ₹5 lakh and ₹25,000 for sum insured above ₹5 lakh. Available only under specified family-floater combinations, with a 24-month waiting period and eligibility conditions. |
VS VS |
Health Gain Maternity expenses are excluded, except for the specified ectopic pregnancy exception. |
Insurance Plans Comparison
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Insurance Plans Comparison
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