Star Extra Protect Plan
vs
Star Family Health Optima Plan
- 100+ top health insurance plans
- Premium starting @Rs. 19/day*
- No medical check-ups required
| PLAN DETAILS |
 Star Extra Protect Plan |
 Star Family Health Optima Plan |
| Premium Including GST | ||
| Product Type | Top Up and Super Top Up | Individual and Family Health Insurance |
| Key Features (Key features of the plan) |
|
|
| OPD Details (In some policies, OPD (Out patient department) expenses are also covered.) |
Not Covered | Covered |
|
Room Rent (A limit of room rent cover during hospitalization if any) |
Covered | Covered |
| Domicillary Hospitalization (It is the expenses incurred on treatment of the patient at home) |
Not Covered | Covered |
| Pre-hospitalization (Expenses before the insured is hospitalized) |
Not Covered | Covered |
| Post-hospitalization (Expenses after discharge from the hospital) |
Not Covered | Covered |
| Day Care Treatment Covered (Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.) |
Not Covered | Covered |
| Hospital_network (Number of Hospital Network in city) |
14000 | 14000 |
| Organ Donor Expenses (Expenses incurred on organ donor in case of organ transplants) |
Covered | Covered |
|
Hospital Daily Allowance (Some plans offer daily allowance to take care of expenses like food, etc) |
Covered | Not Covered |
| Ambulance Charges (Expenses incurred on ambulance charges) |
Covered | Covered |
|
Maternity Benefits (All Hospitalization cost covered at the time of pregnancy.) |
Not Covered | Not Covered |
| New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period) |
Not Covered | Covered |
| Health Checkup (An added benefit of one time full health checkup of policy holder.) |
Covered | Covered |
|
Sub Limit (Sub-limit is a monetary capping that applies on specific diseases like cataract) |
Applicable | Applicable |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
Not Applicable | Applicable |
| Plan Entry Age | depends on base health plan | 18 to 65 Years |
| Plan Premium Entry Age and S/A | N/A | 25318 |
| Plan Waiting Period | N/A | 30 |
| Plan Coverage | - | - |
| Plan Sample Premium | - | - |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | N/A | upto 3 years |
| ICU Charges | Covered | Covered |
| Covid-19 Treatment | Covered | Covered |
| Cataract | Not Covered | Covered |
| Automatic Restoration | Not Covered | Covered |
| Ayush Treatment | Covered | Covered |
| Modern Treatment | Covered | Covered |
| E Consultation | Not Covered | Not Covered |
| Air Ambulance | Covered | Covered |
| Global Coverage | Not Covered | Not Covered |
| Claim Ratio | 65 | 65 |
| Solvency Ratio | 2.0 | 2.0 |
Star Extra Protect insurance plan is an add-on cover under Star Health Insurance that enhances the limitations imposed on your existing base policy. You can purchase this plan while buying or incepting the health policy under Star Health or while renewing your existing policy with the same.
This add-on comes with two different sections. The policyholders have the choice of opting for either of the two sections that are mentioned below:-
Section 1:- Coverage options availability
Section 2:- Coverage options availability
Read below the eligibility criteria for buying the Star Extra Protect insurance plan and the sum insured it offers:-
| Entry Age | As per the entry age of base health policy [Only applicable with Family Health Optima Insurance Plan / Star Comprehensive Insurance Policy / Medi Classic Insurance Policy (Individual)] |
|---|---|
| Sum Insured (in Rs.) | INR 10 - 20 Lakhs and above, same as the base policy (base policy's SI should be a minimum of INR 10 Lakhs and above) |
| Plan Type | Applicable on comprehensive Individual/ Family Floater plans |
| Policy Term | Depending on the base policy opted for |
| Initial Waiting Period | Subject to the base policy's waiting period |
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