Senior Citizen Plan vs Star Assure Health Insurance Plan
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| PLAN DETAILS |
 Senior Citizen Plan |
Star Assure |
| Premium Including GST | ||
| Sum Assured | 3L, 4L, 5L, 7.5L, 10L, 15L, 20L & 25L | 5L, 10L, 15L, 20L, 25L, 50L, 75L, 1Cr & 2Cr |
| Product Type | Reimbursement Hospitalization and Cashless | Individual and Family Floater |
| Key Features (Key features of the plan) |
No Pre medical test required Pre Existing disease coverd after 12 month Renewal gauranteed for lifetime |
Unlimited Restoration Modern Treatments are covered upto SI Coverage for Non-medical Items Home Care (10% of SI and Max upto 5L) IVF Treatment (Covers after 2 years & as per SI) Compassionate Travel upto INR 10,000 Rehabilitation and Pain Management (upto 20% of SI) In Utero Fetal Surgery (After 2 years) |
| OPD Details (In some policies, OPD (Out patient department) expenses are also covered.) |
Rs 200 per consultation upto Rs 1400 | Not Applicable |
| EMI Option | no | no |
| Pre-acceptance Medical Check Up (Whether a pre-acceptance check up is required or not to buy the policy) |
no | Not required |
|
Room Rent (A limit of room rent cover during hospitalization if any) |
Upto Rs 6000 | Any Room (except suite or above category) |
| Domicillary Hospitalization (It is the expenses incurred on treatment of the patient at home) |
Not Applicable | Upto Rs.10L |
| Pre-hospitalization (Expenses before the insured is hospitalized) |
Pre hospitalization medical expenses incurred for a period not exceeding 30 days prior to the date of hospitalisation as per the policy | 60 Days |
| Post-hospitalization (Expenses after discharge from the hospital) |
Post-Hosp. - 7% of the hospitalization expenses comprising of Nursing Charges, Surgeon / Consultant fees, Diagnostic charges,Medicines and drugs expenses, subject to a max of Rs.7000/- per occurrence | 180 Days |
| Non-allopathic (Expenses incurred on non-allopathic treatment) |
Not Covered | Upto Rs.10L |
| 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 | Upto Rs.10L |
| Hospital_network (Number of Hospital Network in city) |
||
| Organ Donor Expenses (Expenses incurred on organ donor in case of organ transplants) |
Not Applicable | Upto Rs.10L |
|
Hospital Daily Allowance (Some plans offer daily allowance to take care of expenses like food, etc) |
Not Applicable | Not Available |
| Pre-existing Coverage (If the insured is having some existing diseases, that would be covered after particular time period) |
After 1 year | After 3 Years |
| Cumulative Bonus (The amount by which your sum assured gets increased, if there is no claim.) |
Not Applicable | 25% increase in SI for every claim free year upto 100% of SI |
| Restoration Details (Increase of Sum Insured for non-related illness if the original sum insured is exhausted) |
Not Applicable | Available for unlimited times for unrelated & same illness |
| Ambulance Charges (Expenses incurred on ambulance charges) |
Rs 1000/- per hospitalization up to max of 2000/- ppp | Upto Rs. 10L |
| Worldwide Emergency (The emergency medical assistance and cover against medical expenses while the customer is abroad) |
Not Applicable | Not Available |
|
Maternity Benefits (All Hospitalization cost covered at the time of pregnancy.) |
Not Covered | Upto Rs 100000/- (Covered after a waiting period of 2 years) |
| New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period) |
No | Upto 2L (Covered after 12 Months) |
| Health Checkup (An added benefit of one time full health checkup of policy holder.) |
Rs 2000/- per person | Annually from 1st year onwards (limit varies as per SI) |
| Non-allopathic Details (Expenses incurred on non-allopathic treatment) |
no | yes |
| Vaccination (Cover againts any medical expenses occurred in Vaccinations for certain diseases) |
Not Applicable | Not Available |
| Animal Bite (Cover againts any medical expenses occurred due to any Animal Bite) |
Not Applicable | Not Available |
|
Sub Limit (Sub-limit is a monetary capping that applies on specific diseases like cataract) |
Applicable | Applicable |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
30% For any Claims | You pay 10% of claim |
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