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Optima Secure vs Star Health Assure Insurance Policy

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Specifications side by side

Spec
Optima Secure
Star Health Assure Insurance Policy
Cover
Plan type
Individual and family floater
Individual and family floater
Sum insured options
5 lakh, 10 lakh, 15 lakh, 20 lakh, 25 lakh, 50 lakh, 1 crore, 2 crore
5 lakh, 7.5 lakh, 10 lakh, 15 lakh, 20 lakh, 25 lakh, 50 lakh, 75 lakh, 1 crore, 2 crore
Highest sum insured
200 lakh
200 lakh
Entry age
From 91 days (no maximum stated)
91 days (individual); 18 years adults / 16 days dependent children (floater) to 75 years
Room rent
At Actuals
SI Rs 5/7.5 lakh: up to 1% of SI per day; SI Rs 10-25 lakh: any room (except suite or above category); SI Rs 50 lakh and above: any room
Co-payment
None
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
180 days
180 days
Day-care treatment
Yes
Yes
AYUSH treatment
Yes
Yes
Restore benefit
Automatic Restore Benefit: Equal to 100% of Base sum insured (applied only once during the Policy Year)
Sum Insured restored unlimited number of times, up to 100% each time, for a subsequent hospitalization
No-claim bonus
Plus Benefit: Bonus of 50% of the Base Sum Insured, maximum upto 100% (irrespective of claims)
Cumulative bonus 25% of Sum Insured for each claim free year, maximum up to 100% of the Sum Insured
Maternity
Not covered
Covered after 24 months waiting period, up to 10% of Sum Insured (max 2 deliveries in lifetime; self and spouse both covered)
OPD
Not covered
Not covered (unlimited tele-consultation only)
Premium
Sample annual premium
₹19,663
₹10,396
Sample premium is for
Individual, age 30, Base Sum Insured Rs 10,00,000, Optima Secure plan, Tier 1 (Delhi, Surat, Gurugram, Faridabad, Ghaziabad, Greater Noida), 1-year rate chart 'Gross Premium', excluding GST (the prospectus premium illustration using the same table states 'Total premium (Excl. GST)'), before any discounts, no add-ons
Individual, age band 18-35, Sum Insured Rs 10,00,000, 1-year policy, Zone A, excluding GST
Insurer
Health incurred claim ratio (insurer)
84.85%
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)
16,000+
16,000+
IRDAI UIN
HDFHLIP26058V082526
SHAHLIP26048V032526

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

Optima Secure

  • Pro: No co-payment on claims
  • Pro: No room-rent cap

Star Health Assure Insurance Policy

  • Pro: No room-rent cap
  • 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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