Star Health Insurance vs Apollo Munich Health Insurance

Do not let the thought of choosing from the vast number of insurers deter you from buying health insurance. Buying health insurance is the start of a long-term relationship between you and the insurer, so ensure you choose a reliable one. You can verify the reliability of your chosen insurer by checking its credentials such as its claim paying abilities, its range of products, its awards and publications and customer testimonials. Here are leading insurance companies such as Star Health Insurance and Apollo Munich Health Insurance to give you a head start.  

Star Health Insurance vs Apollo Munich Health Insurance – Overview 

ParameterStar Health InsuranceApollo Munich Health Insurance
No. of health insurance policies1110+
E-servicesPolicy salePolicy renewalClaim settlementBranch locator Online consultation24x7 customer helpPolicy salePolicy renewalClaim settlementOnline consultationBranch locator 24×7 customer service
Branches600+100+
Claim settlement ratio90%92%
Cashless claim settlement time Within 2 hoursWithin 20 minutes 
Hospital network9,000+10,000+

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

Health Insurance Policies: Star Health Insurance vs Apollo Munich Health Insurance

Star Health Insurance and Apollo Munich Health Insurance (now known as HDFC Ergo Health Insurance) are two of the most prestigious insurers. They are reputed for having high claim paying abilities and settle over 90% of their insurance claims. Both insurers offer over 10 health insurance policies. 

Senior-citizen Policy: 

Star Health Insurance’s Senior Citizen Policy offers: 

  • Sum insured (SI) amount options up to Rs. 25,00,000
  • Insurance protection for senior citizens aged between 65-75 years
  • Coverage for: 
  • Pre and post-hospitalization 
  • In-patient hospitalization (including ICU hospitalization) 
  • Daycare procedures 
  • Modern treatments 
  • Pre-existing diseases 
  • Out-patient medical consultations 
  • Ambulance charges  

HDFC Ergo Health Insurance has 3 policies for senior citizens: 

  • MyHealth Suraksha Silver Smart 
  • MyHealth Suraksha Gold Smart 
  • MyHealth Medisure Super Top-up 

These policies provide: 

  • SI amounts up to Rs. 15,00,000
  • Coverage for: 
  • Pre and post-hospitalization 
  • In-patient hospitalization 
  • Domiciliary hospitalization 
  • Ayurveda, Unani, Siddha, and Homeopathy treatments (AYUSH)
  • 586 daycare procedures 
  • Organ donor expenses 
  • Modern treatments 
  • Air and road ambulance costs
  • A recovery benefit of Rs. 15,000 

Cancer Care Policy: 

Star Health Insurance’s Cancer Care Policy offers coverage for persons diagnosed with cancer. The benefits of this policy include: 

  • SI amounts up to Rs. 5,00,000
  • Options of lump-sum or reimbursement payout of the SI 
  • Coverage for all stages of cancer and: 
  • In-patient hospitalization expenses 
  • Home hospitalization and nursing expenses 
  • Pre and post-hospitalization expenses 
  • Charges incurred for daycare procedures
  • Modern treatments 
  • Emergency ambulance costs up to Rs. 1,500 per hospitalization 

HDFC Ergo Health Insurance offers iCan – An Essential Cancer Insurance Plan. The features of the plan include: 

  • SI amounts up to Rs. 50,00,000
  • Options of lump-sum or reimbursement payout of the SI 
  • Coverage for:
  • All stages of cancer
  • Pre and post-hospitalization expenses  
  • Expenses towards cancer-specific daycare procedures and advanced treatments such as: 
  • Chemotherapy
  • Immunotherapy
  • Oncological surgery
  • Stem cell transplantation
  • Proton beam therapy
  • Emergency ambulance costs up to Rs. 2,000 per hospitalization 
  • Up to Rs. 3,000 for follow-up care expenses 

Diabetes-centric Policy: 

Star Health Insurance and Apollo Munich Health Insurance offer insurance coverage for diabetic persons.

Star Health Insurance offers the Diabetes Safe Insurance Policy that provides: 

  • SI amounts up to Rs. 10,00,000
  • Coverage for: 
  • Type-1 and type-2 diabetes
  • Pre, post and in-patient hospitalization expenses 
  • Out-patient hospitalization expenses 
  • Diagnostic tests 
  • Organ donor costs 
  • Modern treatments 
  • Costs of artificial limbs in case of amputation 
  • 100% of the SI in case of death of the insured due to an accident 
  • Emergency ambulance charges up to Rs. 2,000 per hospitalization 

HDFC Ergo Health Insurance offers the Energy Health Insurance Plan that provides:

  • SI amounts up to Rs. 50,00,000
  • Coverage for: 
  • Type-1 and type-2 diabetes
  • Pre, post and in-patient hospitalization expenses 
  • 182 daycare procedures 
  • Diagnostic tests (including the HbA1C test)
  • Organ donor expenses 
  • Emergency ambulance charges up to Rs. 2,000 per hospitalization 
  • Personalized wellness plan, health coach and reward points
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