Star Health Insurance vs Kotak General Health Insurance

When you are busy living an eventful life, it can be easy to forget about its unpredictable side. But life is known for going awry at the most unpredictable of times. It is at these times when you must have sufficient support at least when it comes to your health. You can get this support with the help of health insurance. Read this Star Health Insurance and Kotak General Health Insurance guide to find out how. 

Star Health Insurance vs Kotak General Health Insurance – Overview 

ParameterStar Health InsuranceKotak General Health Insurance
No. of health insurance policies119
E-servicesPolicy salePolicy renewalClaim settlementBranch locator Online consultation24x7 customer helpPolicy salePolicy renewalClaim settlementOnline consultationBranch locator24x7 customer support 
Branches600+1600
Claim settlement ratio90%97.40%
Claim settlement time 2 hours for cashless claim settlement15 days for reimbursement
Hospital network9,000+4000+ 

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

Health Insurance Policies: Star Health Insurance vs Kotak General Health Insurance

Star Health Insurance was India’s first standalone health insurance provider in 2006. Since then, it has come a long way and reached the farthest corners of the country. The company also has tie-ups with some of the best hospital networks. It offers 11 health insurance policies.  

Kotak General Health Insurance is part of the prestigious Kotak Group. It operates nationwide and has been the recipient of several notable accolades for its services and work practices. The company offers 9 health insurance policies 

Group Personal Accident Policy: 

Star Health Insurance’s Group Personal Accident Policy offers: 

  • 100% of the sum insured (SI) for accidental death 
  • Up to 100% of the SI for permanent total disability 
  • Up to 75% of the SI for permanent partial disability 
  • Rs. 15,000 per week for temporary total disability (for a maximum of 100 weeks) 
  • Up to Rs. 50,000 towards the modification of the insured’s home/vehicle
  • Up to Rs. 50,000 towards the transportation of one relative of the insured 
  • Up to Rs. 20,000 towards the transportation of imported medicines 
  • Ambulance charges up to Rs. 5,000 

Kotak General Health Insurance’s Group Personal Accident Policy offers:

  • 100% of the SI for accidental death
  • 100% of the SI for permanent total disability
  • Up to 100% of the SI for burns and broken bones 
  • Up to 50% of the SI for permanent partial disability 
  • Weekly cash benefits if the insured falls under a coma 
  • Monetary benefits for: 
  • Temporary total disability
  • Child’s education 
  • Child’s marriage 
  • Hospitalization
  • Ambulance charges 
  • OPD treatments
  • Loss of employment  
  • Daily hospital cash 

Top-up Policy: 

Star Health Insurance’s Top-up Policy, called the ‘Super Surplus Insurance Policy’ offers: 

  • Silver and Gold sub-policies
  • SI amount options up to Rs. 25,00,000
  • Deductible amount options up to Rs. 10,00,00
  • Coverage for: 
  • Pre and post-hospitalization 
  • In-patient hospitalization 
  • Daycare procedures 
  • Modern/advanced treatments 
  • Organ donor transplantation 
  • Pre-natal, post-natal and maternity/delivery needs 
  • Second medical opinion
  • Road ambulance charges up to Rs. 3,000 per hospitalization
  • Inclusion of pre-existing diseases after 12-36 months 
  • A restoration benefit on exhaustion of the base SI 
  • A complete waiver of the pre-policy medical check-up to avail of the policy

Kotak General Health Insurance’s Super Top-up Policy offers: 

  • SI amount options up to Rs. 40,00,000 
  • Deductible amount options up to Rs. 20,00,000
  • Coverage for: 
  • Pre and post-hospitalization
  • In-patient hospitalization 
  • 405 daycare procedures
  • Organ donor expenses 
  • Non-allopathic treatments – Ayurveda, Unani, Siddha, and Homeopathy (AYUSH) 
  • Up to Rs. 40,00,000 on hospitalization due to an accident
  • Ambulance charges up to Rs. 2,000 per hospitalization 
  • Restoration of the SI upon exhaustion of the base SI 

Arogya Sanjeevani Policy: 

The IRDAI made it mandatory for insurance companies to offer affordable insurance policies among the range of health insurance policies. As a result, insurers across India now offer the Arogya Sanjeevani Policy. This policy has standard features across insurers, including Star Health Insurance and Kotak General Health Insurance. The features include: 

  • SI amount options up to Rs. 5,00,000
  • Coverage for: 
  • Pre and post-hospitalization
  • In-patient hospitalization 
  • Domiciliary/home hospitalization
  • AYUSH treatments
  • Daycare procedures
  • Advanced/modern treatments 
  • Road ambulance expenses up to Rs. 2,000 per hospitalization 
Click to rate this!
[Total: 0 Average: 0]