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SBI General Arogya Premier Individual - 10 to 30 Lakh Vs Star Health Star Unique Health Insurance Individual - 1 to 3 Lakh Health Plan Comparison

SBI General
Arogya Premier
Individual
10 to 30 Lakh
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Star Health
Star Unique Health Insurance
Individual
1 to 3 Lakh
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Policy Tenures (Years)
1,2,3
2
Minimum Entry Age (Adult)
18
18
Maximum Entry Age (Adult)
65
65
Minimum Entry Age (Child)
3 Month
Maximum Entry Age (Child)
23
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
100
Room Rent
Actual Rent
Not Covered
ICU Rent
Actual Rent
Not Covered
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 30 days
Post-hospitalisation Expenses
Actual expenses for Upto 90 days
Not Covered
Domiciliary Treatment
Actual expenses
Not Covered
Maternity Expenses
Waiting period of 9 months
Not Covered
Newborn Coverage
Not Covered
Not Covered
Recharge of Sum Assured
Hospital Cash Benefit
Ambulance Charges (Rs.)
100000
1500
Air Ambulance Charges (Rs.)
Not Covered
Not Covered
Recovery Benefit
Health Check up
Covered , Up to INR.5000/- per Insured, after each 4 consecutive claim free years of policy renewed continuously
Organ Donor Expenses
Actual expenses
Not covered
Ayurvedic Treatment
Actual expenses
Not covered
Second Opinion
Not covered
Not covered
e-Opinion
Not covered
Not covered
Cumulative Bonus
Yes, 10% of the Sum Insured for every claim free renewal which can be accumulated maximum up to 50%
Co-payment
30% of Sum Assured , 30% of admissible claim amount, in respect of each
Cashless Hospital Network
No Cashless Treatment
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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