Health Companion vs Young Star Gold Health Insurance Plan
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| PLAN DETAILS |
 Health Companion |
 Young Star Gold |
| Premium Including GST | ||
| Sum Assured | 7.5L, 10L, 12.5L, 15L, 20L, 30L, 50L & 1Cr | 3L, 4L, 5L, 10L, 15L, 20L & 25L |
| Product Type | Individual & Family Floater | Reimbursement Hospitalization and Cashless |
| Key Features (Key features of the plan) |
No Max Age Limit Animal Bite Cover AYUSH treatment covered up to Sum Insured Cover All day care procedures No Room Rent Capping Air Ambulance available Upto 2.5Lakh Co-payment is not applicable |
Covers PED and Slow Growing diseases just after 1 year Offers Early Bird discount - If this policy is availed before the age of 36 years Covers Delivery expenses upto 30000 just after 3 years Additional Basic Sum Insured for Road Traffic Accident - SI shall be increased by 25% subject to a maximum of INR 10 Lacs Automatic Restoration upto 100% of SI Hospital Cash - INR 1000 for each completed day of hospitalization E-Medical Opinion |
| OPD Details (In some policies, OPD (Out patient department) expenses are also covered.) |
Not Available | Not Available |
| EMI Option | yes | no |
| Pre-acceptance Medical Check Up (Whether a pre-acceptance check up is required or not to buy the policy) |
Required | Not Applicable |
|
Room Rent (A limit of room rent cover during hospitalization if any) |
Actual - No capping on room rent | Single private A/c room |
| Domicillary Hospitalization (It is the expenses incurred on treatment of the patient at home) |
Upto sum insured | Not Available |
| Pre-hospitalization (Expenses before the insured is hospitalized) |
60 Days | 60 Days |
| Post-hospitalization (Expenses after discharge from the hospital) |
180 Days | 90 Days |
| Non-allopathic (Expenses incurred on non-allopathic treatment) |
Upto Rs 10L | Not Covered |
| Day Care Treatment Covered (Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.) |
Upto Rs. 10L & all Day Care Treatment covered | All day care treatment covered |
| Hospital_network (Number of Hospital Network in city) |
||
| Organ Donor Expenses (Expenses incurred on organ donor in case of organ transplants) |
Upto Rs 10L | Not Applicable |
|
Hospital Daily Allowance (Some plans offer daily allowance to take care of expenses like food, etc) |
No | Rs 1000/hospitalization |
| Pre-existing Coverage (If the insured is having some existing diseases, that would be covered after particular time period) |
After 3 year | After 1 year |
| Cumulative Bonus (The amount by which your sum assured gets increased, if there is no claim.) |
Increase of base sum assure from 20% to 100% | Rs 2L of the Sum Insured upto Rs 10L |
| Restoration Details (Increase of Sum Insured for non-related illness if the original sum insured is exhausted) |
Upto Rs 10L (Applicable for both same & different illness) | Upto Rs 10L on partial and full exhortation |
| Ambulance Charges (Expenses incurred on ambulance charges) |
up to INR 2,000 per hospitalisation | Upto 10L |
| Worldwide Emergency (The emergency medical assistance and cover against medical expenses while the customer is abroad) |
Not Applicable | NA |
|
Maternity Benefits (All Hospitalization cost covered at the time of pregnancy.) |
Not Applicable | Covered upto Rs. 30,000/Delivery(Waiting period 3 years) |
| New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period) |
Not Applicable | No |
| Health Checkup (An added benefit of one time full health checkup of policy holder.) |
Once in a year from day 1, up to INR 500 for every INR 1 Lakh Base Sum Insured, Individual-Max. 5000 Per insured members, Floater-Max. 10000 per policy | Available every year irrespective of the claim |
| Non-allopathic Details (Expenses incurred on non-allopathic treatment) |
yes | no |
| Vaccination (Cover againts any medical expenses occurred in Vaccinations for certain diseases) |
No | No |
| Animal Bite (Cover againts any medical expenses occurred due to any Animal Bite) |
Up to INR 5,000 (Only Vaccination) | Not Applicable |
|
Sub Limit (Sub-limit is a monetary capping that applies on specific diseases like cataract) |
Not Applicable | Not Applicable |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
No Co-Pay | No Co-Pay |
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Naval Goel is the CEO & founder of PolicyX.com. Naval has an expertise in the insurance sector and has professional experience of more than a decade in the Industry and has worked in companies like AIG, New York doing valuation of insurance subsidiaries. He is also an Associate Member of the Indian Institute of Insurance, Pune. He has been authorized by IRDAI to act as a Principal Officer of PolicyX.com Insurance Web Aggregator.
