Comprehensive Individual vs Young Star Gold Health Insurance Plan
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| PLAN DETAILS |
 Comprehensive Individual |
Young Star Gold |
| Premium Including GST | ||
| Sum Assured | 5L, 7.5L, 10L, 15L, 20L, 25L, 50L, 75L & 1Cr | 3L, 4L, 5L, 10L, 15L, 20L & 25L |
| Product Type | Reimbursement Hospitalization and Cashless | Reimbursement Hospitalization and Cashless |
| Key Features (Key features of the plan) |
Automatic Restoration – 100% Available No claim bonus Hospital cash benefit Cover against accidental death and permanent total disablement Health checkup for every claim-free year Wellness program – earn wellness reward Option available to buy back pre-existing disease |
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.) |
300 Per Consultation & overall limit 2100/- | Not Available |
| EMI Option | no | no |
| Pre-acceptance Medical Check Up (Whether a pre-acceptance check up is required or not to buy the policy) |
Not Applicable | Not Applicable |
|
Room Rent (A limit of room rent cover during hospitalization if any) |
Private Single Standard A/C | Single private A/c room |
| Domicillary Hospitalization (It is the expenses incurred on treatment of the patient at home) |
Upto Rs. 10L | Not Available |
| Pre-hospitalization (Expenses before the insured is hospitalized) |
60 Days | 60 Days |
| Post-hospitalization (Expenses after discharge from the hospital) |
90 Days | 90 Days |
| Non-allopathic (Expenses incurred on non-allopathic treatment) |
Rs.15k for Ayush Treatment | Not Covered |
| Day Care Treatment Covered (Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.) |
Upto 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) |
Applicable | Not Applicable |
|
Hospital Daily Allowance (Some plans offer daily allowance to take care of expenses like food, etc) |
750/- per day | Rs 1000/hospitalization |
| Pre-existing Coverage (If the insured is having some existing diseases, that would be covered after particular time period) |
After 3 years, Can get reduced to 1 year on additional premium payment | After 1 year |
| Cumulative Bonus (The amount by which your sum assured gets increased, if there is no claim.) |
Rs 10L per year upto Rs 10L | 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 (on related and unrelated illness & on full exhaustion) | Upto Rs 10L on partial and full exhortation |
| Ambulance Charges (Expenses incurred on ambulance charges) |
Yes | Upto 10L |
| Worldwide Emergency (The emergency medical assistance and cover against medical expenses while the customer is abroad) |
NA | NA |
|
Maternity Benefits (All Hospitalization cost covered at the time of pregnancy.) |
Not Covered | 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) |
No | No |
| Health Checkup (An added benefit of one time full health checkup of policy holder.) |
Given after every claim free year (limit varies as per Sum Insured) | 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) |
Yes | No |
| Animal Bite (Cover againts any medical expenses occurred due to any Animal Bite) |
NA | 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) |
You pay 10% of claim | 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.
