Star Maternity Plan vs Flexi Floater Group Mediclaim Policy Health Insurance Plan 2026 | PolicyX

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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 tasks and responsibilities. Couples should consider various factors before and after the baby is born, including the costs involved. This is where maternity health insurance comes to the rescue, helping to manage high medical expenses related to pregnancy and childbirth.

When discussing maternity health insurance, we must highlight Star Health Insurance for its maternity solutions. The maternity plans offered by Star Health have a comprehensive scope, allowing you to opt for individual or family health insurance that covers all maternity-related expenses. For the safety and happiness of the mother, Star Health Insurance for Maternity offers comprehensive coverage.

PLAN DETAILS

Star Maternity Plan

Flexi Floater Group Mediclaim Policy

Product Type Individual and Family Health Insurance Group Health Insurance
Key Features
(Key features of the plan)
  • Lifetime Renewal
  • Newborn’s Immunizations
  • Pediatrician Consultation
  • Ayush Cover
  • Genetic Disorder Cover
  • Mental Illness Cover
OPD Details
(In some policies, OPD (Out patient department) expenses are also covered.)
- Not Covered
Room Rent
(A limit of room rent cover during hospitalization if any)
- Covered
Domicillary Hospitalization
(It is the expenses incurred on treatment of the patient at home)
- Covered
Pre-hospitalization
(Expenses before the insured is hospitalized)
- Covered
Post-hospitalization
(Expenses after discharge from the hospital)
- Covered
Day Care Treatment Covered
(Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.)
- Covered
Hospital_network
(Number of Hospital Network in city)
14000 3000
Organ Donor Expenses
(Expenses incurred on organ donor in case of organ transplants)
- Covered
Hospital Daily Allowance
(Some plans offer daily allowance to take care of expenses like food, etc)
- Not Covered
Ambulance Charges
(Expenses incurred on ambulance charges)
- Covered
Maternity Benefits
(All Hospitalization cost covered at the time of pregnancy.)
- Not Covered
New Born Baby Covered
(Newborn babies can be covered under the insurance plan after a certain period)
- Covered
Health Checkup
(An added benefit of one time full health checkup of policy holder.)
- Covered
Sub Limit
(Sub-limit is a monetary capping that applies on specific diseases like cataract)
- Covered
Co-pay
(Mentioned %, if any is to be borne by Insured and rest will be borne by insurer)
- Covered
Plan Entry Age 60 - 65 Years 18 to 60 Years
Plan Premium Entry Age and S/A - N/A
Plan Waiting Period 180 30
Plan Coverage - -
Plan Sample Premium - N/A
Plan Brochure Brochure URL Brochure URL
Policy Term N/A 1 Year
ICU Charges - Covered
Covid-19 Treatment - Covered
Cataract - Covered
Automatic Restoration - Not Covered
Ayush Treatment - Covered
Modern Treatment - Covered
E Consultation - Not Covered
Air Ambulance - Not Covered
Global Coverage - Covered
Claim Ratio 99.06 90.73
Solvency Ratio 2.21 1.91
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