Care Health Insurance vs Star Health Insurance Policy: which is better and why?

Star Health Insurance vs Care (Religare) Health Insurance Which Plan is Better – Basic Comparison Guide of Plans and Features

Gone are the days when you had to be worried about healthcare expenses and keep yourself away from the much-needed medical treatment. These days, as soon as you get a job and become financially independent, you should buy a health insurance policy. The majority of us need some kind of medical treatment, especially as we grow old, and that is when one such health insurance plan can help us to get the right treatment and save some money at the same time. As a matter of fact, if you buy a health insurance policy when you are young, you will also do not have to pay a high premium. You also will not have to worry about the hospital that you have to choose during a medical emergency because you can simply go to a network hospital and get the needed treatment.

Nevertheless, the only confusion arises when it is about choosing a particular health insurance company. All of us want to get all the best features and benefits with our health insurance policy. And that is what creates so much confusion. Well, as we talk about features and benefits, we must discuss the two very popular insurances Star Health Insurance and Care (formerly known as Religare) Health Insurance Company.

Details	Star Health Insurance	Care Health Insurance
Year of inception	2005	2,007
Number of branches	850+	230+
Network hospitals	14000+	22900+
Claim Settlement Ratio (CSR)	99.06% (2021-22)	100% (2021-22)
Claims settled so far	60 lakhs +	38 lakhs +
Customer support	24×7 claim and customer support	24×7 customer support
No Claim Bonus (NCB)	Up to 100%	Up to 100%
Online buying discount	Available (up to 20%)	Available
Free Health check	Available	Available
Pre-existing diseases (PED) waiting period	36 months	48 months
Room rent limit	Applicable	Applicable
Sum insured	Up to 1 crore	Up to 6 crores
OPD coverage	Coverage available	Coverage available as per plan and sum insured
Maternity coverage	Available under several plans	Available under specific plans like Joy maternity insurance
Wellness discount	Available (up to 10%)	Available (up to 30% on premium)
Other special discounts	10% on premium for buying plans before turning 36 and renewing it after turning 40	Available

 

Basic Differences Between the Star Health Insurance and Care (Earlier Known as Religare) Health Insurance Policy

Mentioned herein below are the basic differences between the two.

Parameter	Star Health Insurance	Care Health Insurance
Tenure of policy	1	1,2,3
Daycare treatments that are covered	All	500
No pre-policy medical tests age	51	45
Ambulance charges	INR 1500	INR 2000
Pre-hospitalization expenses	Actual expenses for up to 60 days	Actual expenses for up to 30 days
Cashless hospitals network	8400	5420
Second opinion	Covered	Covered

 

About the Star Health Insurance Company

Star Health & Allied Insurance Co. Ltd is one of the top insurance companies in the country that has been providing its insurance products since 2006. Star Health Insurance is popular for offering affordable plans and for having around 8400 network hospitals across the country.

Types of Health Insurance Plans Offered by Star Health Insurance Company

Let us discuss the types of plans offered by the insurance company:

1. Family insurance plans

As you take this Star Health policy, you will be able to avail cover for your entire family. Here are some of the salient features of the family insurance plans offered by Star Health Insurance.

• Under the family plans of this company, there are several health insurance plans included such as Star Super Surplus, Star Comprehensive, Senior Citizens Red Carpet, Diabetes Safe, Family Health Optima Midi-Classic, Cardiac Care, Health Gain, Cancer Care Gold, and Novel Coronavirus insurance policies
• Diabetic, HIV, and heart patients can get specialized plans
• They provide 24X7 consultation of expert doctors with free medical advice
• Insured can get a complimentary second medical opinion.

2. Personal insurance plans

An individual can get Medi-Classic Insurance Policy with affordable premiums. The main highlights are mentioned herein below:

• For non-allopathic treatments, the insured can get 25% of the sum insured
• For each policy term, the insured can get an emergency ambulance facility of up to INR 1500
• For in-patients hospitalization, all expenses are covered up to 1% of the sum insured
• Insured can avail of lifetime renewal on policies.

3. Diabetes insurance plans

The medical conditions that come under the diagnosis of both types of Diabetes Mellitus are covered under Star Diabetes Safe Insurance Policy. The key features include:

• Stay at a hospital, boarding, and nursing charges
• Coverage on diagnostic tests, pharmacy bills, and drugs
• Payment for ambulance charges up to INR 2000

About the Care Health Insurance Company

Care or Religare Health Insurance Company was formerly called Religare Health Insurance. The company was founded in 2012. In a very short time, the company has established itself and has become one of the most sought-after insurance companies in the country. H

Types of Health Insurance Plans Offered by the Care Health Insurance Company

Here are some types of Care (earlier known as Religare) health insurance plans mentioned below:

1. Family insurance plans

Care Health Insurance provides plans for various stages of life. The key highlights of the plans are mentioned herein below:

• Under the family insurance plans of Care Health Insurance, several health insurance plans are available such as Care Joy for maternity insurance, Care Health, Care Heart Health, Care Freedom for diabetics, Care Enhance Health, and Care Senior Health Insurance Plan
• For over 540 procedures, daycare treatments are covered
• In the form of higher cover, up to 100%, No Claim Bonus is offered
• The minimum entry age for family insurance plans is 91 days, while there is no upper age limit.

2. Personal insurance plans

The key features of personal insurance plans offered by Care Health Insurance plan are mentioned herein below:

• The coverage offered under this type of plan range between INR 3 lakhs and INR 6 crores
• For organ transplants, the coverage ranges between INR 50,000 and INR 3 lakhs
• The 1-year policy period is offered with lifetime renewability
• Ambulance expenses are also reimbursed.

3. Diabetes insurance plans

As the name suggests, this type of plan is specially designed for diabetic patients. Under this kind of plan, coverage against regular medical expenses is offered that is incurred by patients for their treatment. The main features are as follows:

• The coverage offered ranges  between INR 3 lakhs and INR 10 lakhs
• Expenses for diagnosis, medication, and consultation are covered
• A pre-medical checkup is not required.

Which Health Insurance Plan is Better Star Health or Care (Religare) Health Insurance Policy?

This comparison between two health insurance companies will make it easier for you to make up your mind and choose a particular company. You can also c