Insurance Plans Comparison
Star Star Women Care Policy 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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Star Women Care Policy
Star Women Care Policy
What Makes It Special:
Star Women Care Insurance Policy is designed around the healthcare needs of women and their families. The product provides regular hospitalisation coverage along with maternity-related benefits, pregnancy entry subject to conditions, newborn support, family floater options and additional benefits such as bariatric surgery and restoration.
Best For:
Pregnant women who meet the product's entry conditions
Wellness-linked, preventive care insurance
Automatic sum insured restoration
Premium maternity and newborn care
Comprehensive women’s family health protection
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
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
You prefer no medical check-up before purchase
You enjoy earning wellness points and premium discounts
You need surrogacy and oocyte donor coverage
You want automatic sum insured restoration after a claim
You value OPD consultations and yearly health check-ups
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
Star Women Care Policy Health Insurance Plan VS VS |
Health Gain Health Insurance Plan |
| Room Rent |
|---|
Star Women Care Policy Up to 1% of SI (₹5L); Single AC up to ₹25L; any room above ₹50L |
VS VS |
Health Gain
|
| ICU Charges |
|---|
Star Women Care Policy No restriction on ICU room rent |
VS VS |
Health Gain Covered as part of eligible hospitalisation expenses. |
| Disease-wise sublimits |
|---|
Star Women Care Policy No |
VS VS |
Health Gain Sublimits apply to specified treatments, including cataract and listed modern treatments. |
| Co-payment |
|---|
Star Women Care Policy Yes (subject to co-payment of 10% for insured person whose age at the time of entry is 61 years and above) |
VS VS |
Health Gain 20% for insured persons whose age at entry is 61 years and above. |
| Restoration Benefit |
|---|
Star Women Care Policy 100% once after full/partial utilization in a year |
VS VS |
Health Gain Not specified. |
| Cashless Healthcare Providers |
|---|
Star Women Care Policy 13000+ Healthcare Providers |
VS VS |
Health Gain Cashless treatment is available at eligible network hospitals, subject to pre-authorisation. |
| Cumulative Bonus |
|---|
Star Women Care Policy 20% each year, up to 100% |
VS VS |
Health Gain Not specified. |
| Daycare Treatment |
|---|
Star Women Care Policy Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured |
VS VS |
Health Gain Eligible daycare procedures are covered, subject to policy terms. |
| Consumable Cover |
|---|
Star Women Care Policy Yes |
VS VS |
Health Gain Not specified. |
| AYUSH Treatment |
|---|
Star Women Care Policy Covers AYUSH treatment expenses up to your annual sum insured during the policy period |
VS VS |
Health Gain Eligible inpatient Ayurveda, Unani, Siddha and Homeopathy treatment is covered, subject to policy terms. |
| Initial Waiting Period |
|---|
Star Women Care Policy 30 days. |
VS VS |
Health Gain 30 days, except for covered accident-related claims. |
| Specific Waiting Period |
|---|
Star Women Care Policy 2 years |
VS VS |
Health Gain 24 months for specified diseases and procedures. |
| PED Waiting Period |
|---|
Star Women Care Policy 3 years |
VS VS |
Health Gain 36 months for pre-existing diseases. |
| Modern Treatment |
|---|
Star Women Care Policy Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period |
VS VS |
Health Gain Specified modern treatments are covered, subject to policy limits. |
| Annual Health Checkup |
|---|
Star Women Care Policy Health check-up is available once every policy year, from day 1 of the policy |
VS VS |
Health Gain Not specified. |
| Pre-Hospitalisation |
|---|
Star Women Care Policy You get cover for medical tests and doctor visits up to 60 days before hospitalisation, if your main claim is approved |
VS VS |
Health Gain Covered for up to 30 days before hospital admission. |
| Post-Hospitalisation |
|---|
Star Women Care Policy You get cover for medical bills up to 90 days after discharge, including physiotherapy if your doctor prescribes it |
VS VS |
Health Gain Covered for up to 60 days after discharge. |
| Outpatient Department Cover (OPD Expense) |
|---|
Star Women Care Policy OPD is available |
VS VS |
Health Gain Available at networked facilities in India, up to the selected benefit limit. |
| Deductible Option |
|---|
Star Women Care Policy Not Available |
VS VS |
Health Gain Not specified. |
| Coverage Options |
|---|
Star Women Care Policy Available coverage options: ₹5L, ₹10L, ₹15L, ₹20L, ₹25L, ₹50L,₹1 Cr |
VS VS |
Health Gain Individual and Family Floater. |
| Claim Settlement Ratio |
|---|
Star Women Care Policy 82.31% |
VS VS |
Health Gain Insurer-level metric, not a policy benefit. |
| Maternity Cover |
|---|
Star Women Care Policy Available |
VS 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
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
Most Popular
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
Most Popular
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.
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