Chola MS Chola Healthline Value - 2 Lakh Vs Star Health Star Comprehensive Policy Individual - 15 Lakh Health Plan Comparison
Star Health
Star Comprehensive Policy
Individual
15 Lakh
Change plan
Policy Tenures (Years)
1,2,3
1
Minimum Entry Age (Adult)
18
18
Maximum Entry Age (Adult)
65
65
Minimum Entry Age (Child)
3 months
3 Month
Maximum Entry Age (Child)
26
25
Maximum Renewal Age
Lifelong
Lifelong
Fees of Surgeon, Anesthetic, Nurses etc
Fully Covered
Fully Covered
No. of Day Care Treatments Covered
141
405
No Pre-Policy Medical Tests Age
Compulsory for all ages
51
Room Rent
Not Covered
Actual Rent
ICU Rent
Not Covered
Actual Rent
Waiting Period for Pre-existing Diseases (months)
0
0
Waiting Period for Named Ailments (months)
0
0
Pre-hospitalisation Expenses
Not Covered
Actual expenses for Upto 30 days
Post-hospitalisation Expenses
Actual expenses for Upto 60 days
Not Covered
Domiciliary Treatment
Actual expenses
Actual expenses
Maternity Expenses
Not Covered
Waiting period of 36 months
Newborn Coverage
Not Covered
Not Covered
Ambulance Charges (Rs.)
1000
4000
Air Ambulance Charges (Rs.)
Not Covered
Not Covered
Health Check up
Covered , Up to 12,000/- once in a block of every 3 claim free years of continuous renewal
Organ Donor Expenses
Actual expenses
Not covered
Ayurvedic Treatment
Actual expenses
Not covered
Second Opinion
Not covered
Covered
e-Opinion
Not covered
Covered
Cumulative Bonus
Yes, 5% of Sum Insured every claim free year subject to maximum of 25% of Sum Insured
Yes, claim free year bonus at 50% of the basic sum insured (max.100%) would be allowed
Co-payment
10% of Sum Assured , 10% of each and every claim made by insured person
Cashless Hospital Network
5300 hospitals across India
6000 hospitals across India
Free Look Period
15 days
15 days
Grace Period
30 days
30 days
International Treatment
Not covered
Not covered
Tax Benefit
Yes, under section 80D
Yes, under section 80D
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