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Insurance Plans Comparison

Star Young Star Gold 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

Young Star Gold

Star Health Young Star Gold Plan

What Makes It Special:

Star Young Star Gold is a smart health insurance plan designed for young adults, offering sum insured options from ₹3 lakh up to ₹1 crore. The plan covers hospitalization, daycare procedures, pre and post-hospitalization expenses, and provides cashless treatment across a wide hospital network. It features no pre-acceptance medical screening,...

Best For:

  • Young families using a floater policy

  • Customers wanting automatic restoration

  • Flexible payment and coverage options

  • Comprehensive high-limit individual and floater

  • Smart young adult health protection

VS
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.

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 Young Star Gold

  • You seek automatic sum insured restoration

  • You enjoy wellness rewards and teleconsultations

  • You value maternity and newborn benefits included

  • You want cashless treatments at many hospitals

  • You prefer no medical screening for easy entry

  • You want broad coverage up to ₹1 crore

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

Young Star Gold
Young Star Gold

Health Insurance Plan

Brochure

Policy Wording

VS
Health Gain
Health Gain

Health Insurance Plan

Brochure

Room Rent

Young Star Gold

Single Private Room is included as part of base cover. However, you can opt for Room Modifier Add-on to upgrade or downgrade the room category

VS

Health Gain

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

Young Star Gold

No restriction on ICU room rent

VS

Health Gain

Covered as part of eligible hospitalisation expenses.

Disease-wise sublimits

Young Star Gold

Yes, certain diseases have coverage limits

VS

Health Gain

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

Co-payment

Young Star Gold

Not Available

VS

Health Gain

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

Cashless Healthcare Providers

Young Star Gold

13000+ Healthcare Providers

VS

Health Gain

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

Restoration Benefit

Young Star Gold

Sum insured restores to 100% after each claim during the policy year

VS

Health Gain

Not specified.

Cumulative Bonus

Young Star Gold

Sum insured increases by 20% every year, up to 100% max

VS

Health Gain

Not specified.

Daycare Treatment

Young Star Gold

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

VS

Health Gain

Eligible daycare procedures are covered, subject to policy terms.

Consumable Cover

Young Star Gold

Yes

VS

Health Gain

Not specified.

AYUSH Treatment

Young Star Gold

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.

Initial Waiting Period

Young Star Gold

30 days.

VS

Health Gain

30 days, except for covered accident-related claims.

Specific Waiting Period

Young Star Gold

1 year

VS

Health Gain

24 months for specified diseases and procedures.

PED Waiting Period

Young Star Gold

1 year

VS

Health Gain

36 months for pre-existing diseases.

Modern Treatment

Young Star Gold

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

Young Star Gold

Health check-up is available once every policy year, from day 1 of the policy

VS

Health Gain

Not specified.

Pre-Hospitalisation

Young Star Gold

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

Young Star Gold

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)

Young Star Gold

Not covered under base plan (available as add-on)

VS

Health Gain

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

Deductible Option

Young Star Gold

Available as an option

VS

Health Gain

Not specified.

Coverage Options

Young Star Gold

Available coverage options:₹3L, ₹5L, 10L, 15L, 20L, 25L, 50L, 75L and 1 Cr

VS

Health Gain

Individual and Family Floater.

Claim Settlement Ratio

Young Star Gold

82.31%

VS

Health Gain

Insurer-level metric, not a policy benefit.

Maternity Cover

Young Star Gold

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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