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Insurance Plans Comparison

Care Ultimate vs Star Health Gain

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

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Care

Ultimate

Health insurance with unlimited restoration, moneyback rewards and long-term loyalty benefits.

What Makes It Special:

Comprehensive Health Insurance

Best For:

  • Health-conscious customers seeking wellness rewards and renewal discounts.

  • Individuals interested in unlimited restoration of their sum insured.

  • Customers who value rewards for remaining claim-free.

  • People looking for coverage options up to ₹1 crore.

  • Individuals and families seeking comprehensive hospitalisation coverage.

VS
Star

Health Gain

Cover inpatient hospital bills and outpatient treatment at networked facilities in India, and carry unused outpatient benefit into the next policy year on renewal, for that one following year only.

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

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.

Quick Decision Guide

Care Ultimate

  • Review waiting periods: The standard waiting periods are 30 days for initial illnesses, 24 months for named ailments and 36 months for pre-existing diseases.

  • Evaluate wellness rewards: The optional Wellness Benefit offers renewal discounts based on qualifying healthy days and applicable conditions.

  • Look at Infinity Bonus: This optional benefit provides an additional 100% of base sum insured per year, irrespective of claims, with continuous renewal.

  • Consider the moneyback benefit: The optional Premium Payback benefit refunds the first policy year's base premium after five consecutive claim-free policy years, subject to renewal conditions.

  • Choose for comprehensive coverage: The brochure lists inpatient care, day-care procedures, advanced technology treatments, AYUSH and other hospitalisation benefits, subject to policy terms.

Star Health Gain

  • 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

Ultimate
Ultimate

Health Insurance Plan

Brochure

VS
Health Gain
Health Gain

Health Insurance Plan

Brochure

Room Rent

Ultimate

All room categories are covered

VS

Health Gain

  1. Up to 1% of the basic Sum Insured per day.
ICU Charges

Ultimate

No restriction on ICU room rent

VS

Health Gain

Covered as part of eligible hospitalisation expenses.

Co-payment

Ultimate

Not available

VS

Health Gain

20% for insured persons whose age at entry is 61 years and above.

Disease-wise sublimits

Ultimate

No 

VS

Health Gain

Sublimits apply to specified treatments, including cataract and listed modern treatments.

Cashless Healthcare Providers

Ultimate

21700+ Healthcare Providers

VS

Health Gain

Cashless treatment is available at eligible network hospitals, subject to pre-authorisation.

Restoration Benefit

Ultimate

Yes, your sum insured restores to 100% each time you make a claim in a policy year, for both related and unrelated illnesses

VS

Health Gain

Not specified.

Daycare Treatment

Ultimate

Covers medical expenses for treatments not requiring 24-hour hospitalization, up to annual sum insured

VS

Health Gain

Eligible daycare procedures are covered, subject to policy terms.

Cumulative Bonus

Ultimate

Your sum insured increases by 50% every year maximum upto 100%. However, you can pay an additional premium to increase sum insured up to 100%, every year.

VS

Health Gain

Not specified.

AYUSH Treatment

Ultimate

Covers AYUSH treatment expenses up to your annual sum insured during the policy period

VS

Health Gain

Eligible inpatient Ayurveda, Unani, Siddha and Homeopathy treatment is covered, subject to policy terms.

Consumable Cover

Ultimate

No. However, available as an add-on

VS

Health Gain

Not specified.

Initial Waiting Period

Ultimate

30 days

VS

Health Gain

30 days, except for covered accident-related claims.

Specific Waiting Period

Ultimate

2 years
 

VS

Health Gain

24 months for specified diseases and procedures.

PED Waiting Period

Ultimate

3 years
 

VS

Health Gain

36 months for pre-existing diseases.

Modern Treatment

Ultimate

Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period

VS

Health Gain

Specified modern treatments are covered, subject to policy limits.

Annual Health Checkup

Ultimate

Health checkup is not included as part of base cover. However, available as an add-on

VS

Health Gain

Not specified.

Pre-Hospitalisation

Ultimate

You get cover for medical tests and doctor visits up to 60 days before hospitalisation, if your main claim is approved

VS

Health Gain

Covered for up to 30 days before hospital admission.

Post-Hospitalisation

Ultimate

You get cover for medical bills up to 90 days after discharge, including physiotherapy if your doctor prescribes it

VS

Health Gain

Covered for up to 60 days after discharge.

Outpatient Department Cover (OPD Expense)

Ultimate

OPD expense is not included as part of base cover. However, available as an add-on

VS

Health Gain

Available at networked facilities in India, up to the selected benefit limit.

Deductible Option

Ultimate

Not available

VS

Health Gain

Not specified.

Coverage Options

Ultimate

Available coverage options: ₹5L, 7L, 10L, 15L, 20L, 25L, 50L, 1 Cr

VS

Health Gain

Individual and Family Floater.

Claim Settlement Ratio

Ultimate

96%

VS

Health Gain

Insurer-level metric, not a policy benefit.

Maternity Cover

Ultimate

Not available

VS

Health Gain

Maternity expenses are excluded, except for the specified ectopic pregnancy exception.

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.

1-5 of 10 FAQs

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