Office No. 402, 4th Floor, Marathon Nextgen Campus, Marathon Icon, Ganapatrao Kadam Marg, opposite Peninsula Corporate Park, Lower Parel, Mumbai, Maharashtra 400013
Star Health Insurance and Care Health Insurance are two leading players in the Indian health insurance market. Both offer extensive coverage options and aim to provide financial security in the event of medical emergencies. However, there are key differences in their plans, coverage options, claim settlement ratios, and additional features. Below is a detailed comparison of both companies to help you choose the health insurance plan that suits your needs.
Our insurance advisor can provide you with more information about these plans. Based on your requirements, we will send you a customized health insurance quote.
Very Easy 3 step Process
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Comparison Factor
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Star Health Insurance
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Care Health Insurance
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|---|---|---|
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Coverage Options
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Hospitalization, critical illness, maternity benefits, annual health check-ups, personal accident cover
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Comprehensive hospitalization, critical illness, maternity benefits, mental health cover, health check-ups
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|
Premium Cost (₹)
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₹7 lakh to 1Cr.
Age - 91 days 18yrs. (Child)
18yrs. to 60yrs. (Adult)
Above 60 (senior citizen
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₹7 lakh to 1Cr.
Age - 91 days 18yrs. (Child)
18yrs. to 60yrs. (Adult)
Above 60 (senior citizen)
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|
Claim Settlement Ratio
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99.2%
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96%
|
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Network Hospitals
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10,000+
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10,000+
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Room Rent Limit
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Covered up to Sum Insured (flexible options available)
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Covered up to Sum Insured
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Add-on Benefits & Riders
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Critical illness cover, maternity benefits, personal accident cover, wellness programs
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Critical illness cover, maternity benefits, mental health cover, wellness programs, and personal accident cover
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|
Digital Claim Tracking
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Available
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Available
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Customer Reviews
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Positive reviews for easy claims process, quick settlement, and comprehensive coverage.
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Positive reviews for flexible plans, strong digital platform, and good customer service.
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Claim Settlement Process
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High claim settlement ratio of 99.2%, direct claim settlement, digital claim tracking via app
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Claim settlement ratio of 96%, quick processing, in-house claim settlement and mobile app tracking
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Benefit
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Star Health Insurance
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Care Health Insurance
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|---|---|---|
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Inpatient Care
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Up to Sum Insured
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Up to Sum Insured
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Eligible Room Category
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Single Private AC (select plans)
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Covered up to Single Private A/C Room
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Pre-hospitalization Expenses
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30 days, Up to Sum Insured
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30 days, Up to Sum Insured
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Post-hospitalization Expenses
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60 days, Up to Sum Insured
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60 days, Up to Sum Insured
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Alternative Treatments
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Covered under specific plans
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Covered under specific plans
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Day Care Treatment
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Up to Sum Insured
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Up to Sum Insured
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|
Home Care / Domiciliary Hospitalization
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Covered
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Covered
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Organ Donor
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Covered
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Covered
|
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Emergency Ambulance
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Covered
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Covered
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No Claim Bonus
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Up to Sum Insured
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Up to Sum Insured
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|
Vaccination for Animal Bite
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Not Covered
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Covered under specific plans
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Health Checkup
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Yes
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Yes
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Advanced Health Check-up
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Available
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Available
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Personal Accident
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Add-On
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Add-On
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Health Returns
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Available
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Available
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Co-payment
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No
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Optional
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PED Waiting Period
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24 months
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24 months
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Modern Treatments
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Yes
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Yes
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Air Ambulance
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Available as Add-On
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Available as Add-On
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The choice between Star Health Insurance and Care Health Insurance depends on your specific needs:
Contact us today to learn more about which health insurance plan is best for your needs and budget.
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