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SBI General Arogya Plus Family Floater - 1 to 3 Lakh Vs Star Health Family Health Optima Family Floater - 4 Lakh Health Plan Comparison

SBI General
Arogya Plus
Family Floater
1 to 3 Lakh
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Star Health
Family Health Optima
Family Floater
4 Lakh
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Policy Tenures (Years)
1,2,3
1
Minimum Entry Age (Adult)
18
18
Maximum Entry Age (Adult)
65
65
Minimum Entry Age (Child)
3 Month
16 days
Maximum Entry Age (Child)
23
25
Maximum Renewal Age
Lifelong
Lifelong
Fees of Surgeon, Anesthetic, Nurses etc
Fully Covered
Fully Covered
No. of Day Care Treatments Covered
142
All
OPD Benefit
No Pre-Policy Medical Tests Age
56
51
Room Rent
Actual Rent
Not Covered
ICU Rent
Actual Rent
Actual Rent
Waiting Period for Pre-existing Diseases (months)
48
48
Waiting Period for Named Ailments (months)
12
12
Pre-hospitalisation Expenses
Actual expenses for Upto 60 days
Actual expenses for Upto 60 days
Post-hospitalisation Expenses
Actual expenses for Upto 90 days
Actual expenses for Upto 90 days
Domiciliary Treatment
Actual expenses
Actual expenses
Maternity Expenses
Not Covered
Not Covered
Newborn Coverage
Not Covered
Not Covered
Recharge of Sum Assured
Hospital Cash Benefit
Ambulance Charges (Rs.)
1500
1500
Air Ambulance Charges (Rs.)
Not Covered
Not Covered
Recovery Benefit
Health Check up
Covered , benefit payable up to in Rs.1000/- available after every claim free year per policy
Organ Donor Expenses
Not covered
10% of Sum Assured , Subject to Maximum of 100000
Ayurvedic Treatment
Not covered
Rs. 10000
Second Opinion
Not covered
Covered
e-Opinion
Not covered
Not covered
Cumulative Bonus
Yes, 25% of Sum Insured after first year if claim free and additional 10% for the subsequent years
Co-payment
20% of Sum Assured , 20% of each and every claim amount for fresh as we
Cashless Hospital Network
No Cashless Treatment
8400 hospitals across India
Free Look Period
15 days
15 days
Grace Period
30 days
120 days
International Treatment
Not covered
Not covered
Tax Benefit
Yes, under section 80D
Yes, under section 80D
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