Star Health vs United India
  • 100+ top health insurance plans
  • Premium starting @Rs. 19/day*
  • No medical check-ups required
Health Insurance
Buy Policy in just 2 mins

Buy Policy in just 2 mins

Happy Customers

2 lakh + Happy Customers

Free Comparison

Free Comparison

Customized Health Insurance Plan for you.

Get upto 15% Online Discount*

Select Members You Want To Insure

Age of Eldest Member

Star Health vs United India

Star Health and United India both come with a plethora of insurance solutions and a vast product portfolio. Both companies are well known for their all-inclusive plans that cover individuals as well as their families. The network hospitals under the umbrella of Star Health are 14000+ Number Of Network Hospitals whereas United India has 14000+ Number Of Network Hospitals of them. The companies provide benefits such as hospitalization, accidental care, daycare procedures, critical illness and senior citizen coverage, along with affordable premiums and high sum insured new age insurance plans.

PLAN DETAILS Edit Star Health

Star Health

Edit united-india

United India

Number of health insurance plans and add-ons
Sum insured Up to 2Cr Up to 95 Lakh
Network hospitals 14000+ 14000+
Claim ratio 99.06% 97.25%
Preventive health check-up Available (plan dependant) Available (plan dependant)
Existing illness cover Available Available
No claim bonus Available Available
Online discount Available Available
OPD coverage Covered (plan dependant) Covered (plan dependant)
Day care treatment Available Available
Wellness benefits Available (plan dependant) Available (plan dependant)
Discount on renewal Available Available
Global coverage Not Available Not Available
Cashless Facility Available Available
Exclusive Plans for Senior Citizen Available NA
Exclusive Plans for Women Available NA
Exclusive Plans for Critical Illness Available Available
Exclusive Plans for Family Available Available
Top selling plans Star comprehensive, Star SCRC, young star, star women care United Family Medicare Policy

Health Insurance Companies

Finding a reliable insurance company is as critical as purchasing suitable medical insurance plans to avail of all the expected benefits of the policy. Here are the 28 most trusted health insurance providers in India.

Trouble connecting with an insurance company?

Contact PolicyX.comCall at our toll-free number 1800-4200-269Email: helpdesk@policyx.com

We are happy to help.

Star Health Insurance Plans

Star Health medical insurance plans are designed to meet all the healthcare requirements of the masses. PolicyX.com has made it simpler for you to choose a Star health plan tailor-made for your and your family by classifying it in different sections as given below:

Star Health Insurance Individual & Family Plans

Comprehensive

This policy is designed to provide complete protection against all health care eventualities to you and your family.

Unique Features

  • Avail free health check-ups
  • Hospital Cash Benefit
  • 100% Automatic Restoration

Star Comprehensive Plan (Pros)

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

Star Comprehensive Plan (Cons)

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

Star Comprehensive Plan (Other Benefits)

  • Individual and family floater
  • Mid-term inclusion available
  • Accidental Death
  • Permanent Total Disablement
  • Star Wellness Program

Star Comprehensive Plan (Eligibility Criteria)

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

Comprehensive

The plan is ideal for the families who want to get covered under single sum insured.

Unique Features

  • Automatic Restroration of SI
  • Instant Recharge UPTO 30% of SI
  • New born baby cover from 16th day

Family Health Optima Policy (Pros)

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

Family Health Optima Policy (Cons)

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

Family Health Optima Policy (Other Benefits)

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

Family Health Optima Policy (Eligibility Criteria)

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

Youth-specific

Created for young individuals under 40 years of age. It also offers various benefits such as discounts on renewals, incentive-led wellness programs, lowest waiting periods.

Unique Features

  • No-claim bonus
  • Hospital daily cash
  • Automatic restoration of SI

Star Young Star Policy (Pros)

  • Mid-term inclusion
  • 10% discount on early purchase
  • Star Wellness Program
  • Flexible-Premium Payment
  • 2 Plan variants

Star Young Star Policy (Cons)

  • PED waiting period
  • Obesity Treatment Unavailable
  • Hazardous Activity not covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable

Star Young Star Policy (Other Benefits)

  • Hospital Cash Benefit
  • Lifelong Renewal
  • E-opinion
  • No-claim bonus
  • Automatic Restoration

Star Young Star Policy (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 40 Years
  • SI - 3 L to 1 Cr
  • Waiting Period - 30 Days

Standard

A standard health plan mandated by IRDAI that covers all essential healthcare benefits including Ayush treatment, day care procedures, etc. for individuals and families.

Unique Features

  • Room rent up to 5K/day
  • Modern treatments covered
  • 20% rural discount available

Arogya Sanjeevani Policy (Pros)

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

Arogya Sanjeevani Policy (Cons)

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

Arogya Sanjeevani Policy (Other Benefits)

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

Arogya Sanjeevani Policy (Eligibility Criteria)

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

Comprehensive

A uniquely designed insurance policy that covers organ donor expenses up to sum insured, AYUSH treatments, modern treatments, and many more.

Unique Features

  • All Daycare procedures
  • Automatic Restoration
  • Domiciliary hospitalization

Medi Classic Policy (Individual) (Pros)

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

Medi Classic Policy (Individual) (Cons)

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

Medi Classic Policy (Individual) (Other Benefits)

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

Medi Classic Policy (Individual) (Eligibility Criteria)

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

Flexible

Provides flexibility in terms of choosing the Sum Insured amount, premium amount, family size. It can be a perfect tax saver for you.

Unique Features

  • All Daycare procedures
  • Coverage for Modern Treatment
  • Outpatient Expense

Star Health Gain Policy (Pros)

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

Star Health Gain Policy (Cons)

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

Star Health Gain Policy (Other Benefits)

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

Star Health Gain Policy (Eligibility Criteria)

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

Star Health Insurance Specialized Plans

Women Care

A special plan designed for women, wherein women can avail multifold benefits along with the coverage to the whole family.

Unique Features

  • Coverage for Modern Treatments
  • Coverage during Pregnancy
  • Preventive Health Check Up

Star Women Care Plan(Pros)

  • Designed for Women's Care
  • Cancer cover optional
  • Bariatric Surgery Cover
  • Mid-term inclusions
  • High SI

Star Women Care Plan (Cons)

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

Star Women Care Plan (Other Benefits)

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

Star Women Care Plan (Eligibility Criteria)

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

Senior Citizen

The plan is specially designed for those individuals who are willing to secure their old-age medical needs after their retirement.

Unique Features

  • Guaranteed Lifelong renewals
  • No Pre-acceptance Medical test
  • Availability of Instalment Facility

Senior Citizens Red Carpet Policy (Pros)

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

Senior Citizens Red Carpet Policy (Cons)

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

Senior Citizens Red Carpet Policy (Other Benefits)

  • Flexible-Premium Payment
  • Cataract Treatment available
  • Modern treatment cover
  • No pre-policy checkup
  • OP Consultation

Senior Citizens Red Carpet Policy (Eligibility Criteria)

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

Top-up

The plan offers additional coverage to the policyholder in case their existing coverage is exhausted.

Unique Features

  • All Daycare procedure
  • Pre and Post Hospitalization
  • Organ Donor Expense

Star Super Surplus Policy (Pros)

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

Star Super Surplus Policy (Cons)

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

Star Super Surplus Policy (Other Benefits)

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

Star Super Surplus Policy (Eligibility Criteria)

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

Critical Illness

Provides reimbursement of hospitalization expenses and also provides a total amount of sum insured if the insured person is diagnosed with a major illness.

Unique Features

  • Modern Treatment Covered
  • Non-allopathic Treatment
  • Coverage Medicine and drugs cost

Star Health Insurance Pre-existing Diseases Plans

Cardiac

Star Cardiac Care is ideal for those individuals who want to cover the expenses of cardiac & non-cardiac ailments.

Unique Features

  • Accidents and non-cardiac ailments
  • Day care procedure
  • No pre-acceptance Medical test

Star Cardiac Care Policy (Pros)

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

Star Cardiac Care Policy (Cons)

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

Star Cardiac Care Policy (Other Benefits)

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

Star Cardiac Care Policy (Eligibility Criteria)

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

Cancer care

Covers the risk of spreading/recurrence of first cancer (metastasis) & second cancer (second malignancy)

Unique Features

  • Pre-hospitalization (30 days)
  • All daycare procedure
  • Nursing Expense

Autism Spectrum Disorder

Star Special Care provides coverage to children (3 years to 25 years) who are diagnosed with Autism Spectrum Disorder.

Unique Features

  • No Pre-medical test
  • Nursing Expense
  • Emergency Ambulance Charges

Star Special Care Policy (Pros)

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

Star Special Care Policy (Cons)

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

Star Special Care Policy (Other Benefits)

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

Star Special Care Policy (Eligibility Criteria)

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

Star Health Insurance COVID-19 Specific Plans

COVID-19

This plan is for individuals who want to protect themselves and their families against the deadliest virus of Covid-19.

Unique Features

  • No pre-medical Test
  • Only 16 days of Waiting Period
  • Low premium amount

COVID-19

Corona Kavach Policy

It covers the cost of hospitalization if the policyholder tested positive for COVID-19.

Unique Features

  • AYUSH Treatments
  • Home Care Treatment
  • No pre-medical screening test

COVID-19

Corona Rakshak Policy

This policy offers 100% sum insured to the policyholder if he/she tested positive for COVID-19.

Unique Features

  • No pre-medical screening test
  • Sum insured: INR 50K to 2.5Lakhs
  • Only 15 days Waiting Period

Health Insurance Plans offered by United India Health Insurance

Elaborated below is a glimpse of all the 8 health plans offered by United India Health Insurance Company that will help you narrow down your selection:

Individual & Family Floater Health Insurance Plans

A family floater health insurance plan that offers up to 25 Lacs coverage to you, your spouse and 2 dependent children on the Sum Insured.

Unique Features

  • Midterm Inclusion available
  • Modern Treatment Methods
  • Maternity & New Born Baby cover

Family Medicare Policy(Pros)

  • AYUSH Treatment Cover
  • Daycare Treatment Cover
  • Room Rent Cover
  • Ambulance Cover
  • Organ Donor Benefit

Family Medicare Policy(Cons)

  • 2 Years WP for Cataract
  • Obesity Treatment Unavailable
  • Unproven Treatments Not Covered
  • 2 Years WP for Hernia
  • 4 Years WP for Joint Replacement

Family Medicare Policy(Other Benefits)

  • Restoration Of SI
  • Health Checkup
  • Affordable Premium
  • Tax Benefit
  • Dependent Child Cover

Family Medicare Policy(Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age -65 Years
  • SI - 3 L to 25 L
  • Waiting Period - 30 Days

United Individual Health Insurance

An individual health insurance policy that covers hospitalization, day care and ayurvedic expenses.

Unique Features

  • Ambulance charges covered
  • Daily hospital cash
  • Free health check-ups

Individual Health Insurance(Pros)

  • AYUSH Treatment Cover
  • Daycare Treatment Cover
  • Room Rent Cover
  • Domiciliary Hospitalization
  • Organ Donor Benefit

Individual Health Insurance(Cons)

  • 2 Years WP for Cataract
  • Obesity Treatment Unavailable
  • Unproven Treatments Not Covered
  • 2 Years WP for Hernia
  • 4 Years WP for Joint Replacement

Individual Health Insurance(Other Benefits)

  • 3 Policy Variants
  • Spouse Cover
  • Cataract Treatment Cover
  • Surgical Procedures Cover
  • Senior Citizen Cover

Individual Health Insurance(Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age -65 Years
  • SI - 2 L to 20 L
  • Waiting Period - 30 Days

United Arogya Sanjeevani Policy

The standard health insurance plan, which is designed to look after your healthcare needs at affordable premiums.

Unique Features

  • Coverage for cataract treatment
  • AYUSH Treatment covered
  • Cumulative Bonus up to 5%

Arogya Sanjeevani Policy(Pros)

  • Pacemaker Implantation Covered
  • Daycare Treatment Covered
  • Asthma Treatment Covered
  • Domiciliary Hospitalization
  • Organ Donor Benefit

Arogya Sanjeevani Policy(Cons)

  • No Maternity Cover
  • No Global Coverage
  • No Unproven Treatments
  • No Change in Gender
  • No Obesity Treatment Cover

Arogya Sanjeevani Policy(Other Benefits)

  • 3 Policy Variants
  • Spouse Cover
  • Hypertension Treatment Covered
  • Influenza Treatment Covered
  • Senior Citizen Cover

Arogya Sanjeevani Policy(Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age -65 Years
  • SI - 2 L to 20 L
  • Waiting Period - 30 Days

United Super Top-up Medicare Policy

The plan offers extended coverage against hospitalization expenses if the cover exceeds the threshold level up to the mentioned sum insured.

Unique Features

  • Daily cash allowance
  • Home Care Treatment covered
  • Road ambulance up to 5K

Super Top-up Medicare Policy(Pros)

  • AYUSH Treatment Cover
  • Organ Donor Cost Covered
  • Room Rent Covered
  • In Patient Hospitalization
  • Modern Treatment Covered

Super Top-up Medicare Policy(Cons)

  • No Respite Care Cover
  • No Global Coverage
  • No Unproven Treatments
  • No Breach Of Law Cover
  • No Infertility Treatment Cover

Super Top-up Medicare Policy(Other Benefits)

  • Pre Hospitalization
  • Post Hospitalization
  • Stem Cell Therapy Covered
  • Brain Stimulation Covered
  • Dependent Child Cover

Super Top-up Medicare Policy(Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age -65 Years
  • SI -3 L to 75 L
  • Waiting Period - 30 Days

UNI Criticare Health Policy

A plan that is exclusively designed for 11 listed critical illnesses and pays out a lump sum amount on diagnosis of these listed critical illnesses.

Unique Features

  • 90 Days waiting period
  • No exit age for continuous renewal
  • Tax benefits

UNI Criticare Health Policy(Pros)

  • First Heart Attack Cover
  • Cancer Covered
  • Heart Valve Replacement
  • Coma Treatment Covered
  • Kidney Failure Covered

UNI Criticare Health Policy(Cons)

  • No HIV Treatment Cover
  • No Global Coverage
  • Diseases Caused By Smoking
  • No War Injury Cover
  • No Suicide Cover

UNI Criticare Health Policy(Other Benefits)

  • Multiple Sclerosis Cover
  • Permanent Paralysis Cover
  • Motor Neuron Treatment Cover
  • Bone Marrow Treatment Cover
  • Spouse Cover

UNI Criticare Health Policy(Eligibility Criteria)

  • Entry Age - 21 Years
  • Max Entry Age -65 Years
  • SI -1 L to 10 L
  • Waiting Period - 90 Days

UNI Group Health Insurance Policy

The policy covers an individual and family on a Family Floater basis. Apart from this, it provides additional riders and critical illness covers.

Unique Features

  • 35 optional covers
  • Donor expenses covered
  • Mental illnesses covered

UNI Group Health Policy(Pros)

  • OPD Physiotherapy Cover
  • Hospital Daily Cash Benefit
  • Critical Illness Cover
  • Blindness Covered
  • Loss Of Pay Covered

UNI Group Health Policy(Cons)

  • No Sterilization Reversal Cover
  • No Dangerous Sports Coverage
  • No Deep Coma Cover
  • No War Injury Cover
  • No Dietary Supplement Cover

UNI Group Health Policy(Other Benefits)

  • Air Ambulance cover
  • Domiciliary Hospitalization Cover
  • Maternity Expenses Covered
  • New Born Baby Covered
  • Wellness Cover

UNI Group Health Policy(Eligibility Criteria)

  • Entry Age - NA
  • Max Entry Age - NA
  • SI -NA
  • Waiting Period - NA

United Shramik Seva Policy

A Group Health policy specially designed for Employer-Employee Groups. The plan provides coverage for the basic healthcare needs of the employees/ workers.

Unique Features

  • 5 sum insured options are available
  • All the daycare treatments
  • Plastic surgery & Dental treatments

Shramik Seva Policy(Pros)

  • 7 People Covered
  • Ambulance Cover
  • Cataract Treatment Cover
  • Hernia Treatment Covered
  • AYUSH Treatment Covered

Shramik Seva Policy(Cons)

  • No Weight Control Cover
  • No Breach Of Law Coverage
  • No Change Of Gender Cover
  • No War Injury Cover
  • No Dietary Supplement Cover

Shramik Seva Policy(Other Benefits)

  • Modern Treatment Cover
  • Out -Patient Treatment Cover
  • Waiver Of Waiting Period
  • Maternity Cover
  • Daily Cash Allowance Cover

Shramik Seva Policy(Eligibility Criteria)

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

United Corona Kavach Policy

The plan offers coverage against the treatment of COVID-19 on an Individual or Family Floater basis. The plan offers coverage of up to 5 Lakhs.

Unique Features

  • Home Care Treatment Expenses
  • AYUSH Treatment
  • Covid Hospitalization Cover

Corona Kavach Policy(Pros)

  • Flexible Policy Duration
  • Daycare Treatment Covered
  • Room Rent Covered
  • Spouse Cover
  • ICU Charges Covered

Corona Kavach Policy(Cons)

  • No Maternity Cover
  • No Global Coverage
  • No Unproven Treatments
  • No Dietary Supplements Cover
  • No OPD Cover

Corona Kavach Policy(Other Benefits)

  • Pre Hospitalization
  • Post Hospitalization
  • PPE Kit Covered
  • Ambulance Cover
  • Room Rent Cover

Corona Kavach Policy(Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age -65 Years
  • SI -50 Thousand to 5 L
  • Waiting Period - 15 Days

Quick and Free Quick Comparison with Other Insurers

Naval Goel

Reviewed By: Naval Goel

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.