Star Health Insurance vs SBI General Health Insurance

Picture this. You are going shopping to buy groceries. There, you see a selection of items of your usual go-to brand and another one of an unknown, unlabelled one. Which one would you pick? Probably the brand you have always chosen and trust. Apply this same practice when you are buying a health insurance policy. You might not know which ones are reliable at first glance, but trusting established and leading insurers such as Star Health Insurance and SBI General Health Insurance can be your first choice. Better yet, when you have a comparative brief highlighting their best features, it becomes easier to make a decision. 

Star Health Insurance vs SBI General Health Insurance – Overview 

ParameterStar Health InsuranceSBI General Health Insurance
No. of health insurance policies10+10+
E-servicesPolicy salePolicy renewalClaim settlementBranch locator Online consultation24x7 customer helpPolicy salePolicy renewalClaim settlementOnline consultationBranch locator 24×7 customer support
Branches600+22,000+
Claim settlement ratio90%59.42%
Hospital network9,000+6,000+

*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 SBI General Health Insurance

Both Star Health Insurance and SBI General Health Insurance offer over 10 health insurance policies. Their policies provide extensive protection for individuals, families (especially mothers and children) and senior citizens. 

Top-up Policy: 

Star Health Insurance’s Top-up Policy offers: 

  • Sum insured (SI) amount options up to Rs. 25,00,000
  • Deductible amount options up to Rs. 10,00,00
  • Individual and family floater options
  • Coverage for: 
  • Pre and post-hospitalization expenses  
  • In-patient hospitalization expenses 
  • Daycare procedures 
  • Modern technology treatments 
  • Organ donor transplantation costs  
  • Maternity/ delivery needs 
  • Pre-existing diseases after 12-36 months
  • Up to Rs. 3,000 per hospitalization towards road ambulance charges 

SBI General Health Insurance’s Top-up Policy offers:

  • SI amount options up to Rs. 50,00,000
  • Deductible amount options up to Rs. 10,00,000
  • Individual and family floater options 
  • Coverage for
  • Pre and post-hospitalization expenses 
  • In-patient hospital expenses 
  • Domiciliary/ home hospitalization costs 
  • 141 daycare procedures
  • Organ donor expenses 
  • Non-allopathic treatments – Ayurveda, Unani, Siddha and Homeopathy (AYUSH) 
  • Maternity expenses 
  • 12 modern/advanced treatments 
  • Treatment costs for congenital diseases 
  • Up to Rs. 1,00,000 for: 
  • HIV/AIDS treatment
  • Genetic disorders treatment 
  • Treatment costs for mental ailments  
  • Up to Rs. 5,000 per hospitalization towards ambulance costs 

Individual Personal Accident Policy:  

Star Health Insurance’s Individual Personal Accident Policy gives:

  • SI amount options up to Rs. 15,00,000
  • 100% of the SI for accidental death
  • Up to 150% of the SI for permanent total disablement 
  • Up to 100% of the SI for permanent partial disablement
  • Up to Rs. 15,000 per week for temporary total disability (for a maximum of 100 weeks) 
  • An education benefit up to Rs. 20,000 for the insured’s dependent children 
  • A modification benefit of up to Rs. 50,000 for repairing the insured’s vehicle/home 
  • Up to Rs. 50,000 for the travel expenses of one relative 
  • Up to Rs. 20,000 for transportation of imported medicines 
  • Up to Rs. 5,000 for ambulance charges 

SBI General Health Insurance’s Personal Accident Policy offers:

  • SI amount options up to Rs. 1,00,00,000
  • 100% of the SI for accidental death 
  • 100% of the SI for permanent total disablement
  • Up to 100% of the SI for permanent partial disablement
  • Rs. 10,000 per week for temporary total disability (for a maximum of 104 weeks) 
  • A child education benefit of Rs. 50,000 for the insured’s dependent children  
  • A modification benefit of Rs. 25,000 towards repairing the insured’s vehicle/home 
  • Road and air ambulance costs up to Rs. 1,00,000

Corona Rakshak Policy: 

The Corona Rakshak Policy is a standard and affordable health insurance policy providing insurance coverage for COVID-19. All insurance providers across India, including Star Health Insurance and SBI General Health Insurance offer the Corona Rakshak Policy. It offers similar benefits such as: 

  • SI amount options between Rs. 50,000 and Rs. 2,50,000 
  • 100% lump-sum payout of the SI upon the diagnosis of COVID-19 and 72 hours of continuous in-patient hospitalization
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