Care Heart vs Young Star Gold Health Insurance Plan
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Care Heart vs Young Star Gold Health Insurance Plan 2024

Care Heart Plan and Young Star Gold Plan 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 Care Heart Plan are 14000+ Number Of Network Hospitals whereas Young Star Gold Plan has 20800+ 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  Care Health Insurance Limited

Care Heart

 Star Health And Allied Insurance Company Limited

Young Star Gold

Premium Including GST
Sum Assured 3L, 5L, 7L & 10L 3L, 4L, 5L, 10L, 15L, 20L & 25L
Product Type Reimbursement Hospitalization and Cashless Reimbursement Hospitalization and Cashless
Key Features
(Key features of the plan)
Lifelong Renewability,Auto Recharge if SA exhausts upto 100%
541 Day Care Treatment
No Claim Based Loading
19000+ Network hospital covered
Covers PED and Slow Growing diseases just after 1 year
Offers Early Bird discount - If this policy is availed before the age of 36 years
Covers Delivery expenses upto 30000 just after 3 years
Additional Basic Sum Insured for Road Traffic Accident - SI shall be increased by 25% subject to a maximum of INR 10 Lacs
Automatic Restoration upto 100% of SI
Hospital Cash - INR 1000 for each completed day of hospitalization
E-Medical Opinion
OPD Details
(In some policies, OPD (Out patient department) expenses are also covered.)
Not Covered Not Available
EMI Option yes no
Pre-acceptance Medical Check Up
(Whether a pre-acceptance check up is required or not to buy the policy)
NA Not Applicable
Room Rent
(A limit of room rent cover during hospitalization if any)
Single Private Room Single private A/c room
Domicillary Hospitalization
(It is the expenses incurred on treatment of the patient at home)
Up to 100% of Sum Insured covered after 3 days Not Available
Pre-hospitalization
(Expenses before the insured is hospitalized)
30 Days 60 Days
Post-hospitalization
(Expenses after discharge from the hospital)
60 Days 90 Days
Non-allopathic
(Expenses incurred on non-allopathic treatment)
Upto 2.5L Not Covered
Day Care Treatment Covered
(Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.)
Upto Rs 10L & All Day Care treatment covered All day care treatment covered
Hospital_network
(Number of Hospital Network in city)
Organ Donor Expenses
(Expenses incurred on organ donor in case of organ transplants)
No Not Applicable
Hospital Daily Allowance
(Some plans offer daily allowance to take care of expenses like food, etc)
No Rs 1000/hospitalization
Pre-existing Coverage
(If the insured is having some existing diseases, that would be covered after particular time period)
After 2 years After 1 year
Cumulative Bonus
(The amount by which your sum assured gets increased, if there is no claim.)
10% increase in SI per Policy Year in case of claim-free year; Max up to 50% of SI Rs 2L of the Sum Insured upto Rs 10L
Restoration Details
(Increase of Sum Insured for non-related illness if the original sum insured is exhausted)
Upto Rs 10L (on unrelated illness & on partial exhaustion) Upto Rs 10L on partial and full exhortation
Ambulance Charges
(Expenses incurred on ambulance charges)
Up to Rs 3,000/- Upto 10L
Worldwide Emergency
(The emergency medical assistance and cover against medical expenses while the customer is abroad)
NA NA
Maternity Benefits
(All Hospitalization cost covered at the time of pregnancy.)
Not Covered Covered upto Rs. 30,000/Delivery(Waiting period 3 years)
New Born Baby Covered
(Newborn babies can be covered under the insurance plan after a certain period)
No No
Health Checkup
(An added benefit of one time full health checkup of policy holder.)
Every year irrespective of claim to all members - Annual cardiac health Check-up Available every year irrespective of the claim
Non-allopathic Details
(Expenses incurred on non-allopathic treatment)
no no
Vaccination
(Cover againts any medical expenses occurred in Vaccinations for certain diseases)
No No
Animal Bite
(Cover againts any medical expenses occurred due to any Animal Bite)
No Not Applicable
Sub Limit
(Sub-limit is a monetary capping that applies on specific diseases like cataract)
Applicable Not Applicable
Co-pay
(Mentioned %, if any is to be borne by Insured and rest will be borne by insurer)
20% / 30% per claim No Co-Pay

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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.