Care Health Insurance vs Star Health Insurance

Have you heard about health insurance? If yes, then now (what with the ongoing COVID-19 crisis) would be a good time to buy it to keep you and your loved ones secure. If not, then how about sparing a few minutes of your time and reading this comparative brief of Care Health Insurance and Star Health Insurance to get an idea of what it offers? 

Care Health Insurance vs Star Health Insurance – Overview 

Parameter Care Health InsuranceStar Health Insurance
No. of health insurance policies10+10+
E-servicesPolicy salePolicy renewalClaim settlementOnline consultationBranch locator 24×7 customer support Policy salePolicy renewalClaim settlementBranch locator Online consultation24x7 customer help
Branches1000+600+
Claim settlement ratio95.2%90%
Cashless claim settlement time Within 2 hoursWithin 2 hours
Hospital network7,800+9,000+

Source: Annual Report of the Insurance Regulatory and Development Authority of India (IRDAI) – 2019-20. 

Health Insurance Policies: Care Health Insurance vs Star Health Insurance

If you take a look at the comparative table of Care Health Insurance and Star Health Insurance, you will notice how alike their performance parameters are. For instance, they both offer over 10 health insurance policies, have a claim settlement ratio above 90%, turnaround times of 2 hours, and a vast number of hospital networks. Thus, you cannot go wrong in buying a health insurance policy from either of the two insurance providers. 

Star Health Insurance 

Cardiac Health Policy: 

Care Health Insurance offers 2 policies for cardiac care and persons suffering from heart issues: 

  • Care Heart 
  • Heart Mediclaim 

These policies provide: 

  • Sum insured (SI) amount options up to Rs. 10,00,000
  • Individual and family floater options
  • Coverage for: 
  • Heart-related/cardiac ailments 
  • Pre and post-hospital care 
  • In-patient hospital care
  • Domiciliary/ home hospital care
  • Alternative treatments (AYUSH) including: 
  1. Ayurveda
  2. Unani
  3. Siddha
  4. Homeopathy
  • Annual cardiac health check-up
  • Ambulance charges
  • Organ donor expenses
  • Out-patient departmental expenses
  • A doctor-on-call 
  • Automatic restoration of the SI on exhaustion of the base SI 

Star Health Insurance offers Cardiac Care for heart health and those dealing with heart ailments. It provides: 

  • SI amounts up to Rs. 4,00,000
  • Individual and family floater options 
  • Coverage for: 
  •  Heart-related/ cardiac ailments 
  • Pre and post-hospital care 
  • In-patient hospital care
  • Domiciliary/ home hospital care
  • Daycare treatments 
  • Advanced technology treatments 
  • Out-patient Departmental expenses 
  • Death of the insured due to an accident 
  • Cataract treatment 
  • Ambulance charges
  • Pre-existing diseases after 2 years

Diabetes Health Policy: 

Care Health Insurance offers Care Freedom for diabetes health care. It provides: 

  • SI amounts up to Rs. 10,00,000
  • Coverage for: 
  • Diabetes, high blood pressure (HBP), and high BMI
  • Pre and post-hospital care 
  • In-patient hospital care
  • Domiciliary/ home hospital care
  • Daycare treatments 
  • Total knee replacement surgery 
  • Diabetes and HBP-specific ailments 
  • Dialysis sittings 
  • Annual health check-up
  • Ambulance charges 
  • A consumable allowance up to Rs. 1,000 per day
  • Companion benefits up to Rs. 15,000

Star Health Insurance offers the Diabetes Safe Insurance Policy for diabetic persons. It provides: 

  • SI amounts up to Rs. 10,00,000
  • Coverage for: 
  • Type-1 and type-2 diabetes
  • Pre and post-hospital care 
  • In-patient hospital care
  • Out-patient departmental expenses 
  • Death of the insured due to an accident 
  • Organ donor expenses  
  • Advanced treatments 
  • Costs of artificial limbs in case of amputation 
  • Emergency ambulance charges 

Senior Citizen Policy: 

Care Health Insurance’s Senior Citizen Policy offers

  • SI amounts up to Rs. 10,00,00
  • Coverage for: 
  • Treatment of senior-citizen specific ailments
  • Pre and post-hospital care 
  • In-patient hospital care
  • Domiciliary hospital care
  • AYUSH treatments
  • Organ donor transplantation expenses
  • Daily hospital cash allowances 
  • Ambulance charges 
  • Second medical opinion 

Star Health Insurance’s Senior Citizen Policy offers: 

  • SI amounts up to Rs. 25,00,000
  • Coverage for: 
  • Pre and post-hospital care 
  • In-patient hospital care
  • Daycare procedures 
  • Advanced treatments 
  • Pre-existing diseases 
  • Out-patient medical expenses 
  • Ambulance charges  
  • Health check-up
  • A waiver of the pre-policy medical check-up needed to buy the policy

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