Star Premier Insurance Policy
vs
Hdfc Ergo Personal Accident Policy
- 100+ top health insurance plans
- Premium starting @Rs. 19/day*
- No medical check-ups required
| PLAN DETAILS |
 Star Premier Insurance Policy |
805-1730283766.webp){kind=logo} Hdfc Ergo Personal Accident Policy |
| Premium Including GST | ||
| Product Type | Senior Citizen Health Insurance | Individual |
| Key Features (Key features of the plan) |
|
|
| 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 | 12000 |
| 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) |
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) |
Not 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) |
Applicable | - |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
Applicable | - |
| Plan Entry Age | 50 Years to no Limit | 18 to 65 years |
| Plan Premium Entry Age and S/A | 54026 | N/A |
| Plan Waiting Period | 30 | None |
| Plan Coverage | - | Accident individual cover |
| Plan Sample Premium | - | N/A |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | 1/2/3 Years | 1/2/3 years |
| ICU Charges | Covered | - |
| Covid-19 Treatment | Covered | - |
| Cataract | Covered | - |
| Automatic Restoration | Covered | - |
| Ayush Treatment | Covered | - |
| Modern Treatment | Covered | - |
| E Consultation | Not Covered | - |
| Air Ambulance | Covered | - |
| Global Coverage | Not Covered | - |
| Claim Ratio | 65 | 98.59 |
| Solvency Ratio | 2.0 | 1.7 |
Star Health Premier Insurance Policy is a unique health plan designed to cover individuals who are 50 years and above with no maximum entry age limit. The health plan can be availed either as an individual or family floater basis. The maximum family coverage can be offered to 2A + 3C. The entry age for coverage of dependent children is 3 months to 25 years. Star Health Premier Policy offers an array of coverage benefits to insured individuals such as outpatient medical expenses coverage, automatic restoration of the Sum Insured, health check-up discounts, cataract treatment, and more.
Star Health Premier can be opted for 1/2/3 years and offers a wide range of sum insured options suitable as per your medical needs and requirements ranging between INR 10 L to 1 Crore. Insured individuals do not require to undergo a pre-policy health check-up in order to purchase the plan regardless of their age or the sum insured chosen. Under the Star Health Premier Insurance policy, individuals are offered Star Wellness Program motivating them to promote a healthy lifestyle.
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