Insurance Plans Comparison
Star Women Care vs Star Health Gain
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreWhat Makes It Special:
Star Women Care is a specialized health plan designed for women and their families. It offers coverage from ₹5 lakh to ₹1 crore with benefits like maternity, newborn care, preventive check-ups, OPD consultations, and wellness rewards. The plan also includes coverage for surrogacy, oocyte donation, modern treatments, AYUSH, and organ...
Best For:
Wellness-linked, preventive care insurance
Automatic sum insured restoration
Premium maternity and newborn care
Comprehensive women’s family health protection
(4-5 word description of the type of plan)
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
![]() Women Care Health Insurance Plan VS VS |
![]() Health Gain Health Insurance Plan |
| Room Rent |
|---|
Women Care Up to 1% of SI (₹5L); Single AC up to ₹25L; any room above ₹50L |
VS VS |
Health Gain
|
| ICU Charges |
|---|
Women Care No restriction on ICU room rent |
VS VS |
Health Gain Covered as part of eligible hospitalisation expenses. |
| Disease-wise sublimits |
|---|
Women Care No |
VS VS |
Health Gain Sublimits apply to specified treatments, including cataract and listed modern treatments. |
| Co-payment |
|---|
Women Care 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. |
| Cashless Healthcare Providers |
|---|
Women Care 13000+ Healthcare Providers |
VS VS |
Health Gain Cashless treatment is available at eligible network hospitals, subject to pre-authorisation. |
| Restoration Benefit |
|---|
Women Care 100% once after full/partial utilization in a year |
VS VS |
Health Gain Not specified. |
| Daycare Treatment |
|---|
Women Care 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. |
| Cumulative Bonus |
|---|
Women Care 20% each year, up to 100% |
VS VS |
Health Gain Not specified. |
| AYUSH Treatment |
|---|
Women Care 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. |
| Consumable Cover |
|---|
Women Care Yes |
VS VS |
Health Gain Not specified. |
| Initial Waiting Period |
|---|
Women Care 30 days. |
VS VS |
Health Gain 30 days, except for covered accident-related claims. |
| Specific Waiting Period |
|---|
Women Care 2 years |
VS VS |
Health Gain 24 months for specified diseases and procedures. |
| PED Waiting Period |
|---|
Women Care 3 years |
VS VS |
Health Gain 36 months for pre-existing diseases. |
| Modern Treatment |
|---|
Women Care 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 |
|---|
Women Care Health check-up is available once every policy year, from day 1 of the policy |
VS VS |
Health Gain Not specified. |
| Pre-Hospitalisation |
|---|
Women Care 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 |
|---|
Women Care 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) |
|---|
Women Care OPD is available |
VS VS |
Health Gain Available at networked facilities in India, up to the selected benefit limit. |
| Deductible Option |
|---|
Women Care Not Available |
VS VS |
Health Gain Not specified. |
| Coverage Options |
|---|
Women Care Available coverage options: ₹5L, ₹10L, ₹15L, ₹20L, ₹25L, ₹50L,₹1 Cr |
VS VS |
Health Gain Individual and Family Floater. |
| Claim Settlement Ratio |
|---|
Women Care 82.31% |
VS VS |
Health Gain Insurer-level metric, not a policy benefit. |
| Maternity Cover |
|---|
Women Care Available |
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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