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Health Guard - Platinum Plan vs Star Comprehensive Insurance Policy

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Specifications side by side

Spec
Health Guard - Platinum Plan
Star Comprehensive Insurance Policy
Cover
Plan type
Individual and family floater
Individual and family floater
Sum insured options
5 lakh, 7.5 lakh, 10 lakh, 15 lakh, 20 lakh, 25 lakh, 30 lakh, 35 lakh, 40 lakh, 45 lakh, 50 lakh, 75 lakh, 1 crore
5 lakh, 7.5 lakh, 10 lakh, 15 lakh, 20 lakh, 25 lakh, 50 lakh, 75 lakh, 1 crore
Highest sum insured
100 lakh
100 lakh
Entry age
From 3 months (no maximum stated)
18 years (adults); 91 days (dependent children) to 65 years
Room rent
SI up to 7.5 lacs: Single private Air Conditioned room; SI 10 lacs and above: any room category
Single Private A/C Room
Co-payment
None for Zone A premium; zone-based 5%-20% if treated in a higher zone than premium paid (not for accidents)
10% of each and every claim for Insured Persons whose age at entry is 61 years and above
Waiting periods
Initial waiting period
30 days
30 days
Pre-existing disease waiting
36 months
36 months
Specific illness waiting
24 months
24 months
Benefits
Pre-hospitalisation
60 days
60 days
Post-hospitalisation
90 days
90 days
Day-care treatment
Yes
Yes
AYUSH treatment
Yes
Yes
Restore benefit
Sum Insured Reinstatement: 100% of Base Sum Insured, once during each Policy Year
Basic Sum Insured automatically restored once in a Policy Year by 100% upon exhaustion of basic Sum Insured and accrued Cumulative Bonus (not available for Modern Treatment)
No-claim bonus
Super Cumulative Bonus: 50% of base SI per annum for first 2 years, then 10% per annum for next 5 years, maximum 150%
Rs 5 lakh SI: 50% of basic SI per claim-free year up to 100%; Rs 7.5 lakh SI and above: 100% of basic SI per claim-free year up to 100%
Maternity
Covered (limit per Policy Schedule by SI) after 72-month waiting period
Covered after 24 months waiting period (sub-limits by SI; max 2 deliveries; self and spouse must both be covered)
OPD
Not covered
Covered: OPD consultation Rs 300 per consultation, up to Rs 2,100 per policy period at Rs 10 lakh SI (limit varies by SI, cashless only); plus OPD dental and ophthalmic treatment limits per 3-year block
Premium
Sample annual premium
—
₹13,129
Sample premium is for
—
1 adult (plan type 1A), age band 3m-35, Sum Insured Rs 10,00,000, 1-year policy, Zone A, excluding tax
Insurer
Health incurred claim ratio (insurer)
87.31%
70.3%
Claims figures for
FY 2024-25: health incurred claim ratio including personal accident, IRDAI Annual Report (Statement 10)
FY 2024-25: health incurred claim ratio including personal accident, IRDAI Annual Report (Statement 10)
Network hospitals (insurer)
18,400+
16,000+
IRDAI UIN
BAJHLIP26073V082526
SHAHLIP26044V092526

A tick marks the better value where the category rules say higher (or lower) is better. Text values are shown without a winner. Ties have no winner.

Pros and cons

Health Guard - Platinum Plan

  • Pro: No room-rent cap

Star Comprehensive Insurance Policy

  • Con: Co-payment: 10% of each and every claim for Insured Persons whose age at entry is 61 years and above
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