Insurance Plans Comparison
Star Star Women Care Policy vs Star Super Surplus Gold
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
Super Surplus Gold
Star Health Super Surplus Gold Plan
What Makes It Special:
Star Super Surplus is a floater top-up policy intended to provide additional health protection after eligible hospitalisation expenses cross the selected deductible or defined limit. The Gold Plan offers high Sum Insured choices, single private A/C room eligibility, maternity benefits, organ donor expenses, AYUSH treatment and a recharge benefit.
Best For:
Policyholders wanting additional protection beyond a base health plan
Customers seeking a Gold Plan maternity benefit
Families looking for a floater top-up plan
Customers wanting high Sum Insured with a defined limit
Families seeking additional top-up protection
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
The policy offers lifelong renewals.
Gold Plan provides a defined maternity benefit after the waiting period.
Recharge Benefit can provide additional indemnity after exhaustion or excess of Sum Insured.
The policy is available on a family floater basis.
Gold Plan Sum Insured options extend up to ₹1 Crore.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
Star Women Care Policy Health Insurance Plan VS VS |
Super Surplus Gold 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 |
Super Surplus Gold Single Private A/C Room |
| ICU Charges |
|---|
Star Women Care Policy No restriction on ICU room rent |
VS VS |
Super Surplus Gold Covered as part of hospitalisation |
| Disease-wise sublimits |
|---|
Star Women Care Policy No |
VS VS |
Super Surplus Gold Specific limits and defined limits apply |
| 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 |
Super Surplus Gold Not specified as a standard co-payment |
| Restoration Benefit |
|---|
Star Women Care Policy 100% once after full/partial utilization in a year |
VS VS |
Super Surplus Gold Recharge Benefit available once for the remaining policy period |
| Cashless Healthcare Providers |
|---|
Star Women Care Policy 13000+ Healthcare Providers |
VS VS |
Super Surplus Gold Cashless treatment through network hospitals |
| Cumulative Bonus |
|---|
Star Women Care Policy 20% each year, up to 100% |
VS VS |
Super Surplus Gold 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 |
Super Surplus Gold All daycare procedures covered |
| Consumable Cover |
|---|
Star Women Care Policy Yes |
VS VS |
Super Surplus Gold Not specified |
| AYUSH Treatment |
|---|
Star Women Care Policy Covers AYUSH treatment expenses up to your annual sum insured during the policy period |
VS VS |
Super Surplus Gold Covered up to Sum Insured |
| Initial Waiting Period |
|---|
Star Women Care Policy 30 days. |
VS VS |
Super Surplus Gold 30 Days, subject to policy terms |
| Specific Waiting Period |
|---|
Star Women Care Policy 2 years |
VS VS |
Super Surplus Gold 12 Months for Gold Plan specified diseases and procedures |
| PED Waiting Period |
|---|
Star Women Care Policy 3 years |
VS VS |
Super Surplus Gold 12 Months for Gold Plan PEDs |
| 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 |
Super Surplus Gold Covered subject to applicable 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 |
Super Surplus Gold 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 |
Super Surplus Gold Up to 60 Days |
| 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 |
Super Surplus Gold Up to 90 Days |
| Outpatient Department Cover (OPD Expense) |
|---|
Star Women Care Policy OPD is available |
VS VS |
Super Surplus Gold Not a standard OPD benefit |
| Deductible Option |
|---|
Star Women Care Policy Not Available |
VS VS |
Super Surplus Gold Defined Limit applies to aggregate eligible hospitalisation expenses |
| Coverage Options |
|---|
Star Women Care Policy Available coverage options: ₹5L, ₹10L, ₹15L, ₹20L, ₹25L, ₹50L,₹1 Cr |
VS VS |
Super Surplus Gold ₹5 Lakh to ₹1 Crore for Gold Plan |
| Claim Settlement Ratio |
|---|
Star Women Care Policy 82.31% |
VS VS |
Super Surplus Gold Not specified |
| Maternity Cover |
|---|
Star Women Care Policy Available |
VS VS |
Super Surplus Gold Delivery expenses up to ₹50,000 per policy period, maximum two deliveries, subject to 12-month wait and conditions |
Insurance Plans Comparison
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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
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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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