Star Health vs Hdfc Ergo

Star Health Diabetes Safe Health Insurance Plan is a unique plan designed to offer coverage to individuals with Type 1 and Type 2 diabetes. The plan a...

Unique Features

• Diabetes Cover
• High Sum Insured
• OPD Cover

• Road Ambulance Cover
• Pre and Post Hospitalization
• ICU Cover
• Room Rent Cover
• Day Care Treatment Cover

• Obesity Treatment Unavailable
• Hazardous Activity not covered
• HIV/AIDS not covered
• Cosmetic Surgery unavailable
• Injuries due to breach of law

• Dialysis Cover
• Kidney Transplant Cover
• Artificial Limbs Cover
• Personal Accident Cover
• OPD Cover

• Entry Age - 18 years
• Max Entry Age - 65 years
• SI - 3 Lakhs to 10 Lakhs
• Waiting Period - 30 days

Star Health Premier Insurance Policy is a unique health plan designed to cover individuals aged 50 years and above, with no maximum entry age limit. T...

Unique Features

• Avail Health Rewards
• SI Upto 1 Crore
• Pain Management

• Cataract Treatment Cover
• 10% Health Check- Up Discount
• High SI
• Home Care Treatment
• Road Ambulance Cover

• 20% Co-pay applicable
• Obesity Treatment Unavailable
• Hazardous Activity not covered
• HIV/AIDS not covered
• Cosmetic Surgery unavailable

• Hospice Care
• Pain Management
• AYUSH Treatment
• Modern Treatment
• 100% Cumulative Bonus

• Entry Age - 91 Days
• Max Entry Age - No Age Limit
• SI - 10 L to 1 Cr
• Waiting Period - 30 Days

Star Cancer Care Platinum Insurance Policy is designed to cater to cancer patients. The plan helps the insured individual's family prepare financially...

Unique Features

• SI Upto 10 L
• Hospice Care
• Pain Management

• Cataract Cover
• No pre-medical check-up
• Lump Sum Cover
• 50% Cumulative Bonus
• Hospice Care

• Obesity Treatment Unavailable
• Hazardous Activity not covered
• HIV/AIDS not covered
• Cosmetic Surgery unavailable
• Injuries due to breach of law

• Second Medical Opinion
• Rehabilitation Cover
• Pain Management
• Day Care Treatment
• Modern Treatment Cover

• Entry Age - 5 Months
• Max Entry Age - 65 Years
• SI - 5 L to 10 L
• Waiting Period - 30 Days

Star Critical Illness Multipay Insurance Policy is designed to cater to individuals by providing them with lump sum coverage upon diagnosis of any of ...

Unique Features

• Wellness Benefit
• Cancer Cover
• Heart Cover

• Flexible Payment
• Long Term Policy
• Bone Marrow Transplantation
• Heart Disease Cover
• 4 Group CI Covered

• Obesity Treatment Unavailable
• Hazardous Activity not covered
• HIV/AIDS not covered
• Cosmetic Surgery unavailable
• Injuries due to breach of law

• Open Chest CABG
• Heart Transplantation
• Coma of Specified Severity
• Wellness Programs
• Major Head Trauma

• Entry Age - 18 Years
• Max Entry Age - 65 Years
• SI - 5 L to 25 L
• Waiting Period - 30 Days

Star Hospital Cash Insurance Policy is designed to provide insured individuals with additional protection, covering incidental expenses such as travel...

Unique Features

• Accident Hospital Cash
• ICU Hospital Cash
• Daycare Treatment

• <ul> <li>3 Years Policy Term</li> <li>Cover up to 3 Children</li> <li>180 days of hospital cash</li> <li>Comprehensive Plan</li> <li>Various Hospital Cash Covers</li> </ul>

• <ul> <li>Obesity Treatment Unavailable</li> <li>Hazardous Activity not covered</li> <li>HIV/AIDS not covered</li> <li>Cosmetic Surgery unavailable</li> <li>Injuries due to breach of law</li> </ul>

• <ul> <li>Sickness Hospital Cash</li> <li>Accident Hospital Cash</li> <li>ICU Hospital Cash</li> <li>Child Birth Hospital Cash</li> <li>Worldwide Hospital Cash</li> </ul>

• <ul> <li>Entry Age: 91 Days</li> <li>Maximum Entry Age: 65 Years</li> <li>Sum Insured (SI): ₹1
• 000 - ₹5
• 000</li> <li>Waiting Period: 30 Days</li> </ul>

The Star Health Cardiac Care Platinum plan is a long-term policy, offering coverage for 1, 2, or 3 years. It is designed for individuals aged 7 to 70 ...

Unique Features

• Explore Star Cardiac Care
• Benefits & Features
• Eligibility Criteria

• Avail Heart Transplantation
• Long Term Policy
• Up to 15 L SI
• Cardiac device cover
• Installment options available

• Obesity Treatment Unavailable
• Hazardous Activity not covered
• HIV/AIDS not covered
• Cosmetic Surgery unavailable
• Congenital Disease Cover

• Wellness Services
• Angiogram Test
• Modern Treatments
• Pain Management
• Health Check-ups

• Entry Age - 7 Years
• Max Entry Age - 70 Years
• SI - 5 L to 15 L
• Waiting Period - 30 Days

A unique health insurance plan designed by Star Health Insurance to provide medical coverage to individuals with disabilities and HIV/AIDS. The Star S...

Unique Features

• Disability Cover
• HIV/AIDS Cover
• Waiver Of Co-Pay Available

• Modern Treatment Available
• Day Care Procedures Available
• Ambulance cover
• Room rent cover
• Shared Accommodation cover

• Obesity Treatment Unavailable
• Hazardous Activities not covered
• Cosmetic Surgery not covered

• Treatment of Seizures
• Behavioral Therapy Cover
• Speech Therapy Cover
• Occupational Therapy Cover
• Adeno Tonsillectomy

• Entry Age - 18 Years (Adults)
• 0 Years (Children); Max Entry Age - 65 Years (Adults)
• 17 Years (Children); Sum Insured - ₹4 Lakhs
• ₹5 Lakhs; Waiting Period - 30 Days

Star Extra Protect insurance plan is an add-on cover under Star Health Insurance that enhances the limitations of your existing base policy. You can p...

Unique Features

• Base policy coverage enhancer
• Extended family coverage
• Claim guard for the base policy

• Modern treatment coverage
• Room rent limit extension
• Base SI enhancement
• Home care treatment

• No maternity cover
• Limited to SI of base policy
• Organ donor expenses not covered
• Vaccination not covered
• COVID-19 care not covered

• Individual & family floater plan
• Trusted insurance provider
• Benefits up to SI
• Cashless claim settlement
• AYUSH Treatment cover

• Minor entry age: 91 days - 25 years
• Adult entry age: 18 - 40 years
• Sum Insured: Base policy above INR 10 Lakhs
• Waiting Period: As per the base policy

Star Smart Health Pro policy is a newly launched digital plan by Star Health Insurance for customers who want a truly customizable health insurance pl...

Unique Features

• Automatic Restoration Benefit
• Air Ambulance Cover
• Star Wellness Program

• Modify Room Category
• Up to 600% Cumulative Bonus
• Reduced Waiting Period
• Non-Medical Items Covered
• Unlimited Automatic Restoration

• Adventure Sports Injuries
• AIDS not covered
• Injuries due to Illegal activities
• No IVF Treatment
• Obesity Not Covered

• Multiple Discounts Available
• Family Health Cover
• Daycare Treatments
• Air Ambulance
• Domiciliary Hospitalization

• Entry Age: 18-50 Years
• Sum Insured: ₹5 Lakhs to ₹1 Crore
• Initial Waiting Period: 30 Days

Get comprehensive coverage at affordable premiums. Star Comprehensive Insurance Policy is a complete health insurance plan that addresses all the heal...

Unique Features

• No Pre-acceptance required
• Get coverage up to 1 Crore
• Mid-term inclusion at additional premiums

• 99.6% CSR
• Up to ₹1 Cr SI
• Maternity Cover
• Newborn Baby Cover
• Road and Air Ambulance

• No Global Coverage
• No IVF Treatment
• No Compassionate Travel
• HIV/AIDS not covered

• Individual and Family Floater
• Mid-term Inclusion Available
• Accidental Death
• Permanent Total Disablement
• Star Wellness Program

• Entry Age - 3 Months
• Max Entry Age - 65 Years
• SI - ₹5 L to ₹1 Cr
• Waiting Period - 30 Days

The Medi Classic Insurance Policy covers hospitalisation expenses incurred due to illness, disease, sickness, or accidental injuries. It also offers a...

Unique Features

• Secured hospitalization
• Road accident protection
• Comes in 2 variants

• Plan Variants Available
• Customizable Plan
• Hospital-Cash Benefit
• 5% Family Discount
• Organ Donor Cover

• 10% Co-payment
• Obesity Treatment Unavailable
• Hazardous Activity not covered
• HIV/AIDS not covered
• Cosmetic Surgery unavailable

• New Born Baby Cover
• 100% Super Restoration
• Up to 100% No-claim Bonus
• Psychiatric coverage
• Patient Care Cover

• Entry Age - 16 Days
• Max Entry Age - 65 Years
• SI - 1.5 L to 25 L
• Waiting Period - 30 Days

The Star Women Care Insurance Policy is designed to support women's health needs, acknowledging their endless responsibilities. It offers comprehensiv...

Unique Features

• Maternity Benefits
• Preventive Health Check Up
• Coverage for Modern Treatments

• Designed for Women's Care
• Optional Cancer Cover
• Bariatric Surgery Cover
• Mid-term Inclusions
• High Sum Insured

• Obesity Treatment Unavailable
• Hazardous Activity not covered
• HIV/AIDS not covered
• Cosmetic Surgery unavailable
• Congenital Disease Cover

• 10% long-term discount
• 10% Air Ambulance Cover
• Pain Management Cover
• Assisted Reproduction
• Automatic Restoration

• Entry Age - 91 Days
• Max Entry Age - 75 Years
• SI - 5 L to 1 Cr
• Waiting Period - 30 Days

The Young Star Extra Protect add-on cover policy is designed to enhance the benefits of your existing Young Star insurance policy. It extends the limi...

Unique Features

• Base policy cover enhancer
• Claim guard facility
• AYUSH Coverage

• Modern treatment coverage
• Room rent extension
• Base SI enhancement
• Home care treatment

• No maternity cover
• Limited to SI of base policy
• Organ donor expenses not covered
• Vaccination not covered
• COVID-19 care not covered

• Individual & family floater plan
• Trusted insurance provider
• Unlimited benefits up to Sum Insured
• Cashless claim settlement
• AYUSH Treatment cover

• Minor Entry Age: 91 days - 25 years
• Adult Entry Age: 18 - 40 years
• Sum Insured: Base policy above ₹10 Lakhs
• Waiting Period: As per the base policy

A top-up plan for added coverage at affordable costs. Star Super Surplus Insurance Policy is a top-up health insurance plan offering surplus coverage ...

Unique Features

• No pre-acceptance screening required
• Coverage for maternity expenses
• Up to 1 crore cover at affordable rates

• Flexible Policy
• Avail Long Term Discount
• Cover family up to 2 Adults + 3 Children
• Lifelong renewal
• 2 Plan variants

• Includes Deductibles
• Hazardous Activity not covered
• HIV/AIDS not covered
• Cosmetic Surgery unavailable
• Congenital Disease Cover

• Avail e-opinions
• Star Wellness Services
• Recharge benefit
• Air Ambulance
• No pre-policy Medical check-up

• Entry Age - 18 Years
• Max Entry Age - 65 Years
• Sum Insured - 5 L to 1 Cr
• Waiting Period - 30 Days

Medical insurance designed specially for heart patients.Star Health Cardiac Care Health Insurance plan is the perfect medical policy for individuals w...

Unique Features

• Tailored Plan for Cardiac Patients
• Coverage for Non-cardiac Ailments
• No Pre-acceptance Checkup

• Flexible Product
• Personal Accident Cover
• 2 Plan Variants
• Road Ambulance
• Day Care Procedures

• 10% Co-Payment
• PED
• Cosmetic Surgery
• Obesity Treatment
• Change of Gender Treatments

• Personal Accident Cover
• Heart Transplantation
• OPD expenses Cover
• Modern Treatment Cover
• COVID-19 Cover
• Cataract Cover

• Entry Age - 10 Years
• Max Entry Age - 65 Years
• SI - 3 L to 4 L
• Waiting Period - 30 Days

Star Micro Rural and Farmers Care is an individual and family floater plan with a sum insured of INR 1 Lakh and INR 2 Lakh respectively for individual...

Unique Features

• Understanding the Need for Micro Rural Health Insurance
• Sample Premium Rates
• Eligibility Criteria of the Plan

• <ul> <li>Designed for Farmers</li> <li>Flexible Policy</li> <li>Day Care Procedures</li> <li>Flexible Payment Options</li> <li>PED cover available</li> </ul>

• <ul> <li>20% co-pay</li> <li>Obesity Treatment Unavailable</li> <li>Hazardous Activity not covered</li> <li>HIV/AIDS not covered</li> <li>Cosmetic Surgery unavailable</li> </ul>

• <ul> <li>No Pre-policy medical checkup</li> <li>Modern Treatments Covered</li> <li>Lifelong Renewal</li> <li>Up to INR 15
• 000 Cataract Cover</li> <li>ICU cover</li> </ul>

• <ul> <li>Minimum Entry Age: 18 Years</li> <li>Maximum Entry Age: 65 Years</li> <li>Sum Insured (SI): INR 1 Lakh - INR 2 Lakh</li> <li>Waiting Period: 30 Days</li> </ul>

A supersaver policy covering every family member. Star Family Health Optima is a strategically priced family health insurance plan. It offers comprehe...

Unique Features

• Get coverage for the whole family
• Additional SI for Road Traffic Accident
• Coverage for Compassionate Travel

• No Pre-Policy Check-up
• Lifelong Renewability
• High SI available
• COVID-19 cover
• OPD covered

• PED cover not available
• Obesity Treatment Unavailable
• Hazardous Activities
• HIV/AIDS not covered
• Cosmetic Surgery unavailable

• Long term discounts
• Premium Payment flexibility
• Health Check-up Cover
• Domiciliary Hospitalization
• Modern Treatment Cover

• Entry Age - 18 Years
• Max Entry Age - 65 Years
• SI - 1 L to 25 L
• Waiting Period - 30 Days

A comprehensive plan to secure your old age from medical expenses. Star Senior Citizens Red Carpet Health Insurance Plan is designed to cater to the h...

Unique Features

• Guaranteed lifetime renewal
• No pre-medical check-up required
• Coverage up to 25L for individuals & families

• Individual & family floater plan
• Flexible SI
• Road Ambulance Cover
• ICU cover
• Health Check-up cover

• Obesity Treatment Unavailable
• Hazardous Activity Not Covered
• HIV/AIDS Not Covered
• Cosmetic Surgery Unavailable
• Congenital Disease Not Covered

• Flexible Premium Payment
• Cataract Treatment Available
• Modern Treatment Cover
• No Pre-Policy Medical Check-up
• OPD Consultation

• Entry Age - 60 Years
• Max Entry Age - 75 Years
• SI - 1 L to 25 L
• Waiting Period - 30 Days

Star Health has introduced the Star Novel Coronavirus (nCoV) (COVID-19) Insurance policy. This policy covers expenses incurred during the treatment of...

Unique Features

• Explore the Key Features of the Plan
• Check the Eligibility Criteria
• How to Buy the Policy Online?

• Lumpsum payout on COVID-19 diagnosis
• Short waiting period
• No medical checkup required

• Global coverage NA
• No other diseases covered except COVID-19
• Self-inflicted injuries not covered

• High SI options available
• Tax benefit
• Free-look period available

• Min. Entry Age: 18
• Max. Entry Age: 65
• SI: 21000 and 42000
• Policy Term: 1 Year

The Young Star Insurance Policy is tailor-made for individuals up to 40 years of age. This plan is available on an individual and family floater basis...

Unique Features

• No capping on room rent
• No pre-acceptance checkup required
• Pay premium in installments

• <ul> <li>Mid-term inclusion</li> <li>10% discount on early purchase</li> <li>Star Wellness Program</li> <li>Flexible Premium Payment</li> <li>Two plan variants (Silver and Gold)</li> </ul>

• <ul> <li>Pre-existing disease (PED) waiting period</li> <li>Obesity treatment not covered</li> <li>Hazardous activities not covered</li> <li>HIV/AIDS not covered</li> <li>Cosmetic surgery not covered</li> </ul>

• <ul> <li>Hospital Cash Benefit</li> <li>Lifelong Renewal</li> <li>E-opinion</li> <li>No-claim bonus</li> <li>Automatic Restoration</li> </ul>

• <ul> <li>Minimum Entry Age: 18 Years</li> <li>Maximum Entry Age: 40 Years</li> <li>Sum Insured (SI): ₹3 Lakhs to ₹1 Crore</li> <li>Initial Waiting Period: 30 Days</li> </ul>

Star Health Arogya Sanjeevani is a Health Insurance policy that safeguards you and your family from the financial burden and stress during hospitaliza...

Unique Features

• Comprehensive plan
• Affordable premiums
• Include loved ones

• Affordable Plan
• 50% No Claim Bonus
• Flexible Policy
• Day Care Procedures Covered
• Up to 25% of SI for Cataracts

• 5% Co-payment
• Obesity Treatment Unavailable
• Hazardous Activity not covered
• HIV/AIDS not covered
• Cosmetic Surgery unavailable

• Lifelong Renewal
• Road Ambulance Cover
• Day Care Procedures Covered
• AYUSH treatment Cover
• Rural Discount

• Entry Age - 3 Months
• Max Entry Age - 65 Years
• SI - 1 L to 10 L
• Waiting Period - 30 Days

Star Health Gain Insurance Policy, offered by Star Health, is a medical insurance policy designed specifically to provide the best possible medical tr...

Unique Features

• Family coverage
• Multiple sum insured
• Save tax

• Day Care Procedures Covered
• Road Ambulance Available
• Modern Treatments Available
• Outpatient Benefit

• 20% Co-payment
• Obesity Treatment Unavailable
• Hazardous Activity not covered
• HIV/AIDS not covered
• Cosmetic Surgery unavailable

• Up to 60k Cataract cover
• Room Rent Cover
• ICU Cover
• Wide SI options
• Flexible Premiums

• Entry Age - 91 Days
• Max Entry Age - 65 Years
• SI - 1 L to 5 L
• Waiting Period - 30 Days

Star Health Insurance for Senior Citizens is exclusively designed for senior citizens who want to meet high medical costs by paying a yearly premium. ...

Unique Features

• No medical examinations
• High sum insured
• Daycare procedures

• Daycare coverage
• No pre-policy checkup
• Multiple SI options

• Sexually transmitted diseases
• Self-inflicted injuries
• Depression and mental disorders

• Affordable premiums
• Covers cataract
• Outpatient consultations

• Entry Age: 60 Years to 75 Years
• SI: Up to 25 L
• Initial Waiting Period: 30 Days

Star Health Insurance plans for a family are a golden investment when it comes to securing the future of your loved ones. Star family plans are design...

Unique Features

• Avail maternity cover
• Care Beyond Coverage
• Avail mid-term inclusions

• Annual health check-up
• Daycare procedures
• AYUSH cover

• Intentional self-injury
• Miscarriage and abortion
• Congenital disease

• Ambulance cover
• Wellness benefits
• High Sum Insured

• Entry Age: 3 months to 65 years
• Sum Insured: Up to ₹1 Crore
• Initial Waiting Period: 30 days

Turning sixty is a major milestone. It is a time to become more careful about one's health. Any illness can bring a lot of anxiety and mental stress t...

Unique Features

• No medical examinations
• High sum insured
• Daycare procedures

• No pre-policy medical checkup
• Individual & family plan
• 3-year Policy term

• Sexually transmitted diseases
• Self-inflicted injuries
• Depression and mental disorders

• Multiple SI options
• Affordable premium
• Daycare procedures covered

• Entry Age: 60 - 75 Years
• SI: Up to 25 L
• Initial Waiting Period: 30 Days

It is wise to be prepared with a health insurance policy to cover medical and other expenses in case of illness. However, if you already have health i...

Unique Features

• Lump sum payout
• Accidental hospitalisation cover
• Non-allopathic treatments cover

• Pre-hospitalisation covered
• No survival period applicable
• Sum insured enhancement option

• Self-inflicted injuries
• Maternity not covered
• Cosmetic procedures

• Affordable premiums
• Room and nursing expenses covered
• Cover for major critical illnesses

• Entry Age: 18 to 65 years
• Renewability: Yes

Motherhood is a rewarding and fulfilling journey, marking the start of an important and exciting chapter in your life. It also comes with its share of...

Unique Features

• Lifetime Renewal
• Newborn’s Immunizations
• Pediatrician Consultation

• Lifetime renewability
• High SI
• No room rent limit

• Pre-existing not covered before 48 months
• Naturopathy treatment
• Injury due to war/ war-like situations

• Affordable premium options
• 24X7 Customer support
• Individual & family plan

• Entry Age: 18 - 65 years
• Initial Waiting Period: 180 days
• SI: Up to ₹1 Cr

The Star Health Accident Policy provides optimal care and coverage in case of unfortunate accidents. Accidents are an uninvited inconvenience that can...

Unique Features

• Education Grant Available
• Avail Home Care
• Multiple Discount Benefits

• Educational grant for 2 children
• Accidental Death
• Permanent Total Disability

• Intentional self-injury
• Infertility and in vitro fertilization
• Miscarriage and abortion

• Avail Home Care
• Multiple Discount Benefits
• Compassionate Travel

• Entry Age: 18 to 70 Years
• Sum Insured: Starts from ₹1 Lakh
• Initial Waiting Period: 30 Days

Most health insurance plans inadequately cover OPD (Out-Patient Department) expenses for an insurance holder. However, Star Outpatient Care is a uniqu...

Unique Features

• Plan Variants Available
• Dental & Ophthalmic Treatment
• Lifelong Renewal Benefit

• Cover up to 6 family members
• 3 Plan variants available
• Dental Cover available
• Physiotherapy cover
• Pharmacy cover

• Obesity Treatment Unavailable
• Hazardous Activity not covered
• HIV/AIDS not covered
• Cosmetic Surgery unavailable
• Breach of law

• Dental Treatments Available
• AYUSH Treatments Available
• Ophthalmic Treatment
• Outpatient Consultation
• Renewal Discounts

• Entry Age - 18 Years
• Max Entry Age - 50 Years
• SI - 25k - 1 L
• Waiting Period - 30 Days

Star Criticare Plus Policy is a dual benefit plan, offering coverage for both health insurance and critical illnesses. It provides a lump sum payment ...

Unique Features

• Cover 1 family member
• 30% Co-payment
• Non-allopathic treatments

• Cover chronic kidney disease
• Major organ transplants covered
• Acute Myocardial Infarction covered

• Cosmetic and aesthetic treatments
• Change of gender treatments
• Vaccination

• Affordable SI options
• Co-payment
• Lumpsum payout

• Entry Age: 18 to 65 years
• Sum Insured: ₹2 Lakh - ₹10 Lakh
• Initial Waiting Period: 90 Days

Star Health Special Care is a unique individual indemnity plan designed for individuals diagnosed with Autism Spectrum Disorder. It offers a sum insur...

Unique Features

• Indemnity cover
• Autism cover
• Modern treatment

• Modern Treatment Available
• Day Care Procedures Available
• Ambulance cover
• Room rent cover
• Shared Accommodation cover

• Obesity Treatment Unavailable
• Hazardous Activity not covered
• HIV/AIDS not covered
• Cosmetic Surgery unavailable
• Pre-existing Disease

• Treatment of Seizures
• Behavioral Therapy Cover
• Speech Therapy Cover
• Occupational Therapy Cover
• Adeno Tonsillectomy

• Entry Age - 3 Years
• Max Entry Age - 25 Years
• SI - 3 L
• Waiting Period - 30 Days

Top-up health plans from Star Health Insurance can help protect your health in the event of a medical emergency after you have exhausted the sum insur...

Unique Features

• High Sum Insured
• Recharge Benefit
• Wellness Benefit

• Avail wellness benefits
• Consult doctors online
• Recharge your sum insured

• No maternity coverage
• HIV infection / AIDS
• Cosmetic or sex-change treatment

• Air ambulance
• Organ donor expenses
• Affordable premiums

• Entry Age: Minimum: 91 Days to 65 Years
• SI: Up to 1 Cr
• Initial Waiting Period: 30 Days

Cancer is a serious and challenging disease, causing patients and their families to struggle emotionally, physically, and psychologically. Cancer heal...

Unique Features

• High Sum Insured
• 37 Critical Illnesses
• Cancer Cover

• 20% of Sum Insured for compassionate care
• Access to wellness services
• Second medical opinion coverage

• Pregnancy or childbirth
• HIV infection / AIDS
• Cosmetic or sex-change treatment

• Critical Illness Cover
• Organ donor expenses
• Wellness Benefit

• Entry Age: Minimum: 5 months to 65 years; Sum Insured: 5 lakh to 25 lakh; Initial Waiting Period: 30 days

The burden of medical expenses for cancer treatment can be overwhelming, leaving individuals and their families under financial strain. Star Cancer Ca...

Unique Features

• Stage 1 & 2 Cancer Cover
• Specifications
• Cashless Hospitalization

• Covers existing cancer patients
• Cashless hospitalization
• No pre-policy check-up

• Non Allopathic Treatments
• Cosmetic or Plastic Surgery
• Intentional Self Injury

• Affordable premiums
• Individual plan
• Complete cancer cover

• Entry Age: 5 months to 65 Years
• SI: 3 - 5 L
• Policy Tenure: 1 Year

Star Health Assure Insurance Policy is a versatile, 360-degree health insurance plan providing wide coverage for yourself, your spouse, dependent chil...

Unique Features

• Maternity Benefit
• Air Ambulance Cover
• Star Wellness Program

• Second Medical Opinion
• Health Check-up Covered
• 100% Cumulative Bonus
• Compassionate Travel
• AYUSH Treatment

• 10% Co-pay applicable
• Deductibles
• HIV/AIDS not covered
• Cosmetic Surgery unavailable
• Injuries due to breach of law

• In Utero Fetal Surgery
• Pain Management
• Rehabilitation Cover
• Organ Donor Cover
• Modern Treatment Cover

• Entry Age - 18 Years
• Max Entry Age - 75 Years
• SI - 5 L - 2 Cr
• Waiting Period - 30 Days

Star Health Insurance Company has launched one of its most revolutionary plans, the Star Super Star Health Plan. It offers flexible and customizable c...

Unique Features

• Premium discounts
• Freeze age benefit
• Dental cover

• Daycare procedures
• Modern treatment
• Second medical opinion
• Maternity cover

• Compassionate travel
• Global coverage
• Adventure sports
• Breach of law
• STDs not covered

• Newborn baby cover
• Assisted reproduction cover
• Home care
• Domiciliary treatment cover

• Adult 18 years to No max limit
• Dependent children 91 days to 25 years

Star Health provides Group Arogya Sanjeevani and Star Group Health insurance. With Star Group Health plans, insured individuals can choose to include ...

Unique Features

• Explore Star Health Group Plans
• Star Claim Settlement Ratio
• Benefits of Star Group Plans

• 14
• 000+ network hospitals nationwide
• Custom co-pay flexibility
• Family and parent coverage options

• 82.31% claim settlement ratio
• 4-year PED waiting period
• Limited infertility coverage

• Section 80D tax benefits
• Top-up add-on available
• Cashless claim facility
• Employer-employee cost sharing

• Adults: 18 to 65 years
• Children: 91 days and above
• Up to 6 members per policy
• Lifelong renewal

HDFC My:Health Women Suraksha is a comprehensive policy designed to cater to the evolving health and well-being needs of today's women. The policy of...

Unique Features

• Cancer Cover
• Assault And Burn Cover
• 41 Critical Illness Cover

• Lifetime renewal
• Wellness Incentives
• Add-On Coverage

• Obesity or weight control
• Cosmetic surgeries
• Maternity cover
• Change of gender treatment

• Post Diagnosis Support
• Cancer Cover
• Major Illness Cover
• Surgical Procedure
• Critical Illness Cover

• Entry age: 18 to 65 years
• Sum insured: 1 Lakh to 1 Crore
• Policy term: 1/2/3 years

The Arogya Sanjeevani Policy from HDFC ERGO is a basic plan designed for individual or family floater coverage. It provides essential medical support ...

Unique Features

• 3 plan variants
• Double coverage
• E-opinion on critical illnesses

• Pre and post-hospitalization
• Doctor consultation
• AYUSH treatment
• Preventive health check-ups

• Maternity expenses
• Daily hospital cash
• Modern treatment
• Organ donor cover

• Family floater cover
• Sum Insured up to 10 Lakhs
• Lifelong renewability

• Min. Entry Age: 18 Years
• Max. Entry Age: 65 Years
• Sum Insured: Up to 10 Lakhs
• Initial Waiting Period: 30 Days

The HDFC ERGO Optima Secure Global plan offers vital and extended coverage both within and outside India, providing comprehensive protection without g...

Unique Features

• India & Worldwide Coverage
• High SI up to 2 Crores
• Aggregate Deductible Discounts

• Worldwide coverage
• high sum insured up to INR 2 Crores
• 4-level sum insured restoration benefit
• aggregate deductible discounts
• and no deductions on non-medical expenses.

• INR 10
• 000 deductible for overseas claims
• aggregate deductible applicable only in India
• no coverage for vaccinations
• maternity and newborn baby cover not included in the base plan.

• E-opinion for 51 critical illnesses
• availability of various add-on covers
• optional Overseas Travel Secure add-on.

• Entry Age: 18 to 65 Years Sum Insured: INR 1 Crore to INR 2 Crores Initial Waiting Period: 30 Days Policy Term: 1
• 2
• or 3 Years

The HDFC ERGO Optima Secure Plan is designed to provide policyholders with improved financial protection against rising healthcare costs. It offers up...

Unique Features

• 3 plan variants
• Double coverage
• E-opinion on critical illnesses

• Hospital Cash Benefit
• No Cost Instalment Option
• Restore Benefit
• Unlimited Restore

• Maternity cover NA
• Newborn care unavailable
• OPD cover unavailable

• Aggregate deductible discounts
• Disposables &amp; consumables cover
• Worldwide cover

• Entry age: 18 years to no max limit
• SI: 5 Lakhs to 2 Crore
• Policy term: 1/2/3 years
• Initial waiting period: 30 days

The HDFC ERGO Personal Accident Insurance plan offers worldwide coverage and lifelong renewability. A key benefit of this plan is that it does not req...

Unique Features

• Worldwide coverage
• No pre-policy medicals
• Lifelong renewability

• Accidental Death
• Permanent Total Disability
• Broken Bones
• Burns

• Breach of law
• Pregnancy or childbirth
• Self-inflicted injury

• Ambulance costs
• Hospital cash
• Lump sum payout benefit
• Air ambulance cover

• Entry Age: 18 - 65 years
• Policy Term: 1/2/3 years
• Initial Waiting Period: None
• Sum Insured: 20 L - 10 Cr

The iCan Cancer Insurance is a cancer-specific plan offered by HDFC ERGO Health Insurance Company. It covers medical expenses incurred during the trea...

Unique Features

• Key Features
• Eligibility & Exclusions
• iCan Cancer Plan Sample Premiums

• Cancer cover
• In-patient hospitalization
• Ambulance cover

• Maternity cover
• Newborn cover
• Organ donor cover
• Global coverage

• COVID-19 cover
• Pre and post-hospitalization
• ICU charges

• Entry age: 5 to 65 years
• Policy term: 1 year
• Initial waiting period: 120 days

HDFC ERGO Health Suraksha Plan is a comprehensive plan from HDFC ERGO Insurance Company, providing 360-degree protection against rising medical expens...

Unique Features

• Key Features
• Eligibility & Age Restrictions
• Types of My:Health Suraksha Smart Plans

• Air ambulance cover
• Recovery benefit
• Infertility cover

• Vaccination cover unavailable
• Second medical opinion not available
• Maternity cover unavailable
• Newborn baby cover unavailable

• Family discount
• Long-term policy discount
• Loyalty discount

• Entry age: 18 years to no upper age limit
• Sum insured: 3 Lakh to 75 Lakh
• Policy term: 1/2/3 years
• Initial waiting period: 30 days

HDFC ERGO Health Insurance offers an Energy Diabetes plan, which is ideal for those suffering from Diabetes Type 1, Diabetes Mellitus Type 2, pre-diab...

Unique Features

• Personalized health coach option
• Get rewards to reduce your premiums
• Diabetes and Hypertension without waiting period

• Personal health coach
• Rewards for premium discount
• Diabetes and Hypertension cover

• ICU cover unavailable
• AYUSH treatment not covered
• OPD not covered
• Domiciliary treatment unavailable

• Organ donor cover
• Ambulance services
• Pre & post-hospitalization cover

• Entry age: 18 to 65 years
• Policy term: 1 year
• Initial waiting period: 30 days
• Sum insured: 2 L to 50 L

HDFC ERGO Health Insurance's Health Wallet plan is a comprehensive health insurance plan that not only ensures your health today but also secures your...

Unique Features

• Worldwide Emergency Care
• Avail 6% interest on un-used SI
• Cashless Homecare treatment

• Inpatient and outpatient cover
• OPD cover
• Domiciliary hospitalization

• Air ambulance
• E-consultations
• Health check-up
• Modern treatment cover

• Global coverage
• Daycare procedures
• Health check-up
• Vaccination charges

• Entry age: 18 to 65 years
• Initial waiting period: 30 days
• Sum insured: 3 to 50 Lakhs
• Policy term: 1/2/3 years

The HDFC Ergo Super Top-Up plan is an excellent option to ensure ample cover for the best medical treatment without restrictions. It complements your ...

Unique Features

• Plan Specifications
• Key Features & Benefits
• Quick Buying And Claim Process

• Day care procedures
• High sum insured
• 6-hour response guarantee

• Adventure sport injuries
• Self-inflicted injuries
• War

• Deductibles offered
• Covers family members
• Versatile plan

• Min entry age: 18 years
• Max entry age: 65 years
• Initial Waiting Period: 30 days
• Sum Insured: Up to 20 Lakhs

HDFC ERGO Koti Suraksha is a health insurance plan that provides a sum insured of up to INR 1 crore. The Koti Suraksha Plan by HDFC ERGO Insurance Com...

Unique Features

• High sum insured
• Health and wellness plan
• Emergency worldwide coverage

• Air ambulance
• OPD cover
• Domiciliary hospitalization
• Emergency global coverage

• Vaccination not covered
• Modern treatment unavailable
• Maternity & newborn baby care unavailable

• In-patient hospitalization
• Daycare procedures
• Health check-up cover

• Entry age: 18 to 65 years
• Sum insured: 50 Lakhs & 1 Crore
• Waiting period: 30 days
• Policy term: 1/2/3 years

HDFC ERGO Optima Restore Policy is HDFC ERGO's best-selling plan since its launch. It offers comprehensive health cover to you and your family under t...

Unique Features

• Recovery benefit
• SI restoration
• Waiting period reduction

• Restore benefit
• 2X Multiplier benefit
• Renewal discounts

• AYUSH not covered
• OPD cover unavailable
• Global health cover

• Recovery benefits
• Organ donor cover
• In-patient and out-patient hospitalization

• Entry Age: 18 - 65 Years
• Sum Insured: 3 | 5 | 10 | 15 | 20 | 25 | 50L
• Initial Waiting Period: 30 Days

HDFC ERGO Optima Lite Health Insurance Plan is an affordable health insurance policy that provides necessary health insurance coverage to individuals ...

Unique Features

• 100% Cumulative Bonus Benefit
• No Room Rent Limits
• Affordable Entry-Level Health Cover

• Affordable premiums
• Unlimited restore benefit
• No disease-wise sub-limits

• Low sum insured options (₹5L–₹7.5L)
• Room rent cap (1% SI) causing deductions
• Not suitable for metro/high-cost treatment needs

• Preventive health check-up every year after 1st renewal
• Covers non-medical expenses (optional Protect benefit)
• Daily cash allowance for shared room hospitalisation

• Entry age: 91 days (children) to 18 years (adults)
• No maximum age limit
• Available for individual and family floater (self
• spouse
• children
• parents)