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Insurance Plans Comparison

Star Health Gain vs Star Young Star

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

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Star

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.

VS
Star

Young Star

Star Young star policy

What Makes It Special:

Young Star Insurance Policy is a health insurance plan designed for adults between 18 and 40 years, with dependent children eligible from 91 days to 25 years on a floater basis. It offers individual and family floater coverage, automatic restoration of Basic Sum Insured, cumulative bonus, health check-up benefits, wellness...

Best For:

  • Buyers looking for long-term health insurance with lifelong renewability

  • Customers who want wellness-based premium discounts

  • Customers looking for automatic restoration of Basic Sum Insured

  • Young families seeking individual or family floater coverage

  • Adults between 18 and 40 years looking for health insurance

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

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.

Star Young Star

  • The restored Sum Insured cannot be carried forward and does not apply to Modern Treatment.

  • The maternity benefit is available only under the Gold Plan and has specific eligibility and waiting period conditions.

  • Room eligibility is based on a Single Private A/C Room, with proportionate deductions for higher room categories.

  • Specified diseases and procedures have a 12-month waiting period.

  • The PED waiting period is 12 months.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Health Gain
Health Gain

Health Insurance Plan

Brochure

VS
Young Star
Young Star

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Health Gain

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

Young Star

Single Private A/C Room, with proportionate deductions applicable for higher room categories


ICU Charges

Health Gain

Covered as part of eligible hospitalisation expenses.

VS

Young Star

Covered as part of hospitalisation expenses

Disease-wise sublimits

Health Gain

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

VS

Young Star

Applicable limits may apply to specific treatments and benefits


Co-payment

Health Gain

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

VS

Young Star

No standard co-payment specified in the supplied policy document

Restoration Benefit

Health Gain

Not specified.

VS

Young Star

100% Automatic Restoration of Basic Sum Insured, subject to policy conditions


Cashless Healthcare Providers

Health Gain

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

VS

Young Star

Cashless hospitalisation available through Star Health network hospitals

Daycare Treatment

Health Gain

Eligible daycare procedures are covered, subject to policy terms.

VS

Young Star

All Day Care Procedures Covered

Cumulative Bonus

Health Gain

Not specified.

VS

Young Star

20% of Basic Sum Insured for every claim-free year, up to 100% of Basic Sum Insured

AYUSH Treatment

Health Gain

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

VS

Young Star

Covered, subject to applicable policy terms


Consumable Cover

Health Gain

Not specified.

VS

Young Star

Not specifically mentioned in the supplied policy document


Initial Waiting Period

Health Gain

30 days, except for covered accident-related claims.

VS

Young Star

30 Days, except for eligible accident-related claims

Specific Waiting Period

Health Gain

24 months for specified diseases and procedures.

VS

Young Star

12 Months for specified diseases and procedures


PED Waiting Period

Health Gain

36 months for pre-existing diseases.

VS

Young Star

12 Months for pre-existing diseases and their direct complications


Modern Treatment

Health Gain

Specified modern treatments are covered, subject to policy limits.

VS

Young Star

Covered subject to applicable limits

Annual Health Checkup

Health Gain

Not specified.

VS

Young Star

Available after completion of each policy year, subject to applicable limits and renewal


Pre-Hospitalisation

Health Gain

Covered for up to 30 days before hospital admission.

VS

Young Star

Covered for up to 60 Days

Post-Hospitalisation

Health Gain

Covered for up to 60 days after discharge.

VS

Young Star

Covered for up to 90 Days

Outpatient Department Cover (OPD Expense)

Health Gain

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

VS

Young Star

Not specified as a standard OPD benefit

Deductible Option

Health Gain

Not specified.

VS

Young Star

1-day deductible applies to the Hospital Cash Benefit


Coverage Options

Health Gain

Individual and Family Floater.

VS

Young Star

₹3 Lakh to ₹1 Crore, with ₹3 Lakh available only on an individual basis; higher options available on individual and floater basis


Claim Settlement Ratio

Health Gain

Insurer-level metric, not a policy benefit.

VS

Young Star

Not specified in the supplied policy document

Maternity Cover

Health Gain

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

VS

Young Star

Delivery expenses up to ₹30,000 per delivery under the Gold Plan, subject to a 36-month waiting period and other conditions


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

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

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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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