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Insurance Plans Comparison

Star Women Care vs Star Young Star Gold

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

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Star

What 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
Star

Young Star Gold

Get up to ₹30,000 per delivery, for two deliveries after you and your spouse have both been covered for 36 months, plus ₹1,000 a hospital day after a one-day deductible, up to 7 days a stay and 14 a year.

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

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 Women Care

  • 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

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

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Women Care
Women Care

Health Insurance Plan

Brochure

Policy Wording

VS
Young Star Gold
Young Star Gold

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Women Care

Up to 1% of SI (₹5L); Single AC up to ₹25L; any room above ₹50L

VS

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

ICU Charges

Women Care

No restriction on ICU room rent

VS

Young Star Gold

No restriction on ICU room rent

Disease-wise sublimits

Women Care

No

VS

Young Star Gold

Yes, certain diseases have coverage limits

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

Young Star Gold

Not Available

Cashless Healthcare Providers

Women Care

13000+ Healthcare Providers

VS

Young Star Gold

13000+ Healthcare Providers

Restoration Benefit

Women Care

100% once after full/partial utilization in a year

VS

Young Star Gold

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

Daycare Treatment

Women Care

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

VS

Young Star Gold

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

Cumulative Bonus

Women Care

20% each year, up to 100%

VS

Young Star Gold

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

AYUSH Treatment

Women Care

Covers AYUSH treatment expenses up to your annual sum insured during the policy period

VS

Young Star Gold

Covers AYUSH treatment expenses up to your annual sum insured during the policy period

Consumable Cover

Women Care

Yes

VS

Young Star Gold

Yes

Initial Waiting Period

Women Care

30 days.

VS

Young Star Gold

30 days.

Specific Waiting Period

Women Care

2 years

VS

Young Star Gold

1 year

PED Waiting Period

Women Care

3 years

VS

Young Star Gold

1 year

Modern Treatment

Women Care

Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period

VS

Young Star Gold

Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period

Annual Health Checkup

Women Care

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

VS

Young Star Gold

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

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

Young Star Gold

You get cover for medical tests and doctor visits up to 60 days before hospitalisation, if your main claim is approved

Post-Hospitalisation

Women Care

You get cover for medical bills up to 90 days after discharge, including physiotherapy if your doctor prescribes it

VS

Young Star Gold

You get cover for medical bills up to 90 days after discharge, including physiotherapy if your doctor prescribes it

Outpatient Department Cover (OPD Expense)

Women Care

OPD is available

VS

Young Star Gold

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

Deductible Option

Women Care

Not Available


VS

Young Star Gold

Available as an option

Coverage Options

Women Care

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


VS

Young Star Gold

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

Claim Settlement Ratio

Women Care

82.31%

VS

Young Star Gold

82.31%

Maternity Cover

Women Care

Available

VS

Young Star Gold

Available

Insurance Plans Comparison

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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.

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