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Star Health Family Health Optima Family Floater - 3 Lakh Vs Star Health Star Comprehensive Policy Family Floater - 5 Lakh Health Plan Comparison

Star Health
Family Health Optima
Family Floater
3 Lakh
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Star Health
Star Comprehensive Policy
Family Floater
5 Lakh
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Policy Tenures (Years)
1
1
Minimum Entry Age (Adult)
18
18
Maximum Entry Age (Adult)
65
65
Minimum Entry Age (Child)
16 days
3 Month
Maximum Entry Age (Child)
25
25
Maximum Renewal Age
Lifelong
Lifelong
Fees of Surgeon, Anesthetic, Nurses etc
Fully Covered
Fully Covered
No. of Day Care Treatments Covered
All
405
OPD Benefit
5000
No Pre-Policy Medical Tests Age
51
51
Room Rent
Not Covered
Actual Rent
ICU Rent
Actual Rent
Actual Rent
Waiting Period for Pre-existing Diseases (months)
48
48
Waiting Period for Named Ailments (months)
24
24
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
Actual expenses
Maternity Expenses
Not Covered
Waiting period of 36 months
Newborn Coverage
Not Covered
Not Covered
Recharge of Sum Assured
Hospital Cash Benefit
Ambulance Charges (Rs.)
1500
2000
Air Ambulance Charges (Rs.)
Not Covered
Not Covered
Recovery Benefit
Health Check up
Covered , benefit payable up to in Rs.750/- available after every claim free year per policy
Covered , Up to 5,000/- once in a block of every 3 claim free years of continuous renewal
Organ Donor Expenses
10% of Sum Assured , Subject to Maximum of 100000
Not covered
Ayurvedic Treatment
Rs. 10000
Not covered
Second Opinion
Covered
Covered
e-Opinion
Not covered
Covered
Cumulative Bonus
Yes, 25% of Sum Insured after first year if claim free and additional 10% for the subsequent years
Yes, claim free year bonus at 50% of the basic sum insured (max.100%) would be allowed
Co-payment
20% of Sum Assured , 20% of each and every claim amount for fresh as we
10% of Sum Assured , 10% of each and every claim made by insured person
Cashless Hospital Network
8400 hospitals across India
6000 hospitals across India
Free Look Period
15 days
15 days
Grace Period
120 days
30 days
International Treatment
Not covered
Not covered
Tax Benefit
Yes, under section 80D
Yes, under section 80D
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