United India Health Insurance vs Star Health Health Insurance

There is always a risk to our health; and in the modern mechanized world, the risk is all the more acute. With the COVID-19 pandemic, we have seen the massive impact that an unforeseen health crisis can create. At such times, a health insurance policy comes to the aid as it works as a financial cushion. However, it is wise to buy one from trusted insurance providers and after doing your homework thoroughly. The insurance policies offered by United India Health Insurance and Star Health Insurance suit diverse health needs and financial capacities. You can check the details to begin your comparisons. 

United India Health Insurance versus Star Health Insurance – Overview 

ParameterUnited India Health InsuranceStar Health Insurance
Number of health insurance plans811
E-servicesPolicy sale, Policy renewal, Claim settlement, Branch locator, Online consultation, 24×7 customer supportPolicy sale, Policy renewal, Claim settlement, Branch locator, Online consultation, 24×7 customer support
Branches86600+
Claim settlement ratio79.72%90%
Hospital network7000+9,000+

*Source: IRDAI Annual Report 2018-19 

Health Insurance Policies: United India Health Insurance versus Star Health Insurance

United India offers 8 health insurance policies that cover individual, family, senior citizen and group (employer-employee) needs. They provide coverage against critical illnesses, accidents and COVID-19, among other health issues. 

Star Health Insurance offers 11 health insurance policies that cover individual, family, senior citizen, and corporate group (employer-employee) needs. They provide coverage against critical ailments, accidents, and COVID-19 and have separate policies that cover health conditions like diabetes, cancer and heart ailments. 

This comparison of United India Health Insurance and Star Health Insurance will guide you towards picking the insurance provider offering you the best benefits. 

Individual Insurance Policy: 

United India’s Individual Insurance Policy offers 3 sub-covers – Platinum, Gold and Senior Citizen. It offers:

  • A sum insured (SI) amount ranging between Rs.2,00,000 and Rs.20,00,000
  • Coverage for in-patient hospitalization charges 
  • Reimbursement of pre and post-hospitalization charges 
  • Reimbursement of expenses incurred for domiciliary hospitalization 
  • Coverage for non-allopathic (AYUSH)# treatment, modern treatment and organ donor expenses 
  • 25% of SI for cataract treatment 
  • Coverage for daycare procedures (up to 70% of SI)
  • Coverage for dental treatment and plastic surgery caused by disease/ injury 

# – AYUSH (Ayurveda, Yoga, Unani, Siddha, Homeopathy)

Star Health Insurance offers a ‘Star Comprehensive Insurance Policy’ and ‘Star Health Gain Insurance Policy’ for individuals. These policies provide: 

  • Coverage for pre, post and in-patient hospitalization charges and OPD treatment  
  • Coverage for delivery and newborn baby expenses
  • Coverage for AYUSH treatment, organ donor transplantation, and modern treatment 
  • Coverage for bariatric surgery (up to Rs.5,00,000 only) 
  • Coverage for pre-existing diseases after a waiting period of 2 years
  • Coverage for domiciliary hospitalization  
  • Air ambulance expenses (up to Rs.2,50,000 per hospitalization) and road ambulance expenses
  • A personal accident cover against death and permanent total disability at no extra cost 
  • Coverage for both outpatient and in-patient expenses 

Critical Illness Policy:

United India offers UNI Criticare that provides: 

  • A sum insured (SI) amount up to Rs.10,00,000
  • A lump-sum payment of SI upon diagnosis of any one critical illness
  • Coverage for 11 ailments like cancer, stroke, kidney failure, etc. 

Star Health Insurance offers a ‘Star Criticare Plus Insurance Policy’ that provides: 

  • A sum insured (SI) amount up to Rs.10,00,000
  • A lump-sum payment of SI upon diagnosis of critical ailment
  • Coverage for 9 ailments like cancer, brain tumor, kidney ailments, etc. 
  • Coverage for non-allopathic treatment and modern treatment (up to the policy limits specified)
  • Coverage for in-patient hospitalization charges 
  • Coverage for pre and post hospitalization charges 
  • Coverage for ambulance charges

Arogya Sanjeevani Policy: 

United India Arogya Sanjeevani Policy provides: 

  • A sum insured (SI) amount up to Rs.5,00,000
  • Indemnification of pre, post and in-patient hospitalization charges
  • Indemnification of expenses incurred for cataract treatment (up to 25% of SI)
  • Indemnification of expenses incurred for AYUSH treatment
  • Coverage for 12 daycare procedures (up to 50% of SI) 
  • Coverage for dental treatment and plastic surgery owing to disease/ injury 
  • Road ambulance costs (up to Rs.2000 per hospitalization) 

Star Health Insurance Arogya Sanjeevani Policy provides:

  • A sum insured (SI) amount up to Rs.10,00,000
  • Coverage for in-patient hospitalization charges 
  • Coverage for pre and post hospitalization charges 
  • 25% coverage of SI for cataract treatment 
  • 50% coverage of SI for 12 advanced treatments
  • Coverage for AYUSH treatment and daycare procedures 
  • Road ambulance costs (up to Rs.2000 per hospitalization) 

Before narrowing down on a health insurance policy, read its terms and conditions, limitations and exclusions in entirety. 

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