The difference between Star health optima and Star health insurance Comprehensive Health Policy is not significant, but both plans provide varied facilities for different segments of the population.
For instance, in Star comprehensive plan delivery charges are covered, whereas Star health optima cover assisted reproduction treatment. However both the plans cover new born baby cover.
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Difference between Star health Optima & Comprehensive health insurance Plan
If we compare star health optima vs star health insurance comprehensive, there are a number of differences between both the health insurance plans.
Let’s Compare the benefits for main factors.
Eligible Members
Star health Optima covers parents and parent in laws also but in comprehensive plan only family members are covered. Even dependent children age also differ.
Pre medical Check Up
In optima health compulsory medical check up required for above 50 age while no medical check up in comprehensive plan.
Pro tip : Star Comprehensive plan is better with medical complications.
One can buy the plan for only one year in health optima plan and for 1 or 2 year in comprehensive health plan.
Room Rent
Room Rent limit is attached in case of health optima while one can avail single private room in comprehensive plan.
Co payment
Co Payment is a clause wherein one has to make simultaneous payment along with insurance comapny.
For example 20%co payment means the customer has to pay 20%of bill amount.
If the policy holder buy both the plan at the age of 60 than co payment option is applicable.
Pre existing disease
PED is covered after 4 years in case of Optima health while it is 3 year in comprehensive health.
Automatic Restoration
Automatic Restoration provide additional coverage (restoration of SA) in case one’s cover amount has been utilised fully.
Star Health Family Health Optima – 3 times available for 100% SA for UNRELATED DISEASE.
Star Health Comprehensive Insurance Policy -Up to 100% restoration once in a policy year for RELATED DISESAE
Compare between Star Health Optima and Comprehensive
| Star Health Optima Restore Vs Comprehensive Insurance Policy | ||
| Feature | Star Health Family Health Optima | Star Health Comprehensive Insurance Policy |
| Eligible members | Self, spouse, dependent children ( 16 days to 25 years) parents & parent in laws | only 2 adults and 3 dependent children/Individual Plan |
| Minimum Age at Entry | 18 years | 18 years |
| Maximum Age at entry | 65 years | 65 years |
| Dependent children | 16 days to 25 years | 91 days to 25 years |
| Sum Assured | Rs 3 Lac,4 lac, 5 Lac, 10 Lac, 15 Lac, 20 Lac, 25 Lac | 5 Lac, 7.5 lac,10 Lac, 15 Lac, 20 Lac, 25 Lac, 50 lac, 75 lac, 100 lac |
| Premedical check up | required for all person above 50 age | Not required |
| Policy term | One Year | one year and Two year |
| What is Covered | ||
| Room Rent | 3 lac & 4 lac – Rs 5000 : 5 lac & above -single standard AC Room, | Private Single AC Room |
| Co payment | 20% co payment for who entered above age 61 | 10% co payment for who entered above 60 |
| Renewability | Life Long | Life Long |
| Pre hospitalization | 60 days prior to the hospitalization | 60 days prior to the hospitalization |
| Post Hospitalization | 90 days after hospitalization | 90 days after hospitalization |
| Initial waiting period | 30 days | 30 days |
| Specific disease waiting period | 2 year | 2 year for cataract, ENT disease, thyroid etc. |
| Pre existing disease Waiting Period | 4 year | 3 year |
| Buy back of pre existing waiting period | NA | PED waiting period can be reduced to 12 months from 36 months |
| OPD Coverage | NA | Covered except dental and ophthalmic treatment |
| No claim Bonus | 25% in second year, thereafter 10%, max. accumulation 100% | For SA 5 lac NCB – 50% each year and maximum 100%. For above 5 lac SA – 100% NCB |
| Recharge | If limit of SA is exhausted during policy period. SA is recharged SA 3 lac -75000, SA 4 lac – 1 lac, SA 5 lac & above 1.5 lac | NA |
| Automatic Restoration | 3 times available for 100% SA for UNRELATED DISESAE | Up to 100% restoration once in a policy year for RELATED DISESAE |
| Day care procedures | All Day Care Procedures are covered | All Day Care Procedures are covered |
| Ambulance charges | Rs 750 per hospitalization, Rs 1500 in a policy year | Actuals are paid |
| Air Ambulance charges | 10% of SA available for 5 lac and above SA | Up to 2.5 lac per hospitalization and maximum 5 lac per policy year |
| organ donor expenses | 10% of Sa or 1 lac whichever is lower, donor screening expenses and complications post donation are not covered. | Actuals are paid |
| Domiciliary expenses | Actuals are paid | Actuals are paid |
| Star wellness program | NA | Download mobile app & achieve wellness goal. Take 10% discount on renewal premium |
| Health check up for every claim free year | Yes | NA |
| Hospital Cash benefit | NA | yes |
| shared accommodation Benefit | SA 3 lac -15 lac- Rs 800, SA 20& 25 lac- Rs 1000 | NA |
| Ayush treatment | Up to 4 lac SA- Rs 10K, 5-15 lac SA – Rs 15k, Rs 20 lac & above-Rs 20K | SA 5 lac-15 lac – Rs 15k, , SA – Rs 20 lac & above-Rs 20K |
| New born baby cover | 10% of SA ( maximum 50K cover if mother is covered under the policy) | treatment of new born baby |
| Assisted reproduction treatment | For 5 lac SI – Rs 1 lac, For10 to 25 lac SI – Rs 2 lac ( waiting period 3 year) | NA |
| Road traffic Accident | Additional SA is given – 25% of SA, max 5 lac | |
| Delivery expenses | NA | Yes ( include C Section Cover) |
| Free second medical opinion | Yes | |
| Accidental Death | NA | Covered |
- Reduction in Pre Existing Disease – Star health Comprehensive plan give the option to reduce the preexisting cover from 3 year to 1 year, on paying additional premium ( 50% of original premium for first year Only). No such option in health Optima.
Star Health Optima Insurance Plan Benefit
Star health optima plan is good for people who are looking for medical cover for family. Individual Plan is not available through health Optima Plan.
- Automatic Restoration of cover
- Road accident cover at no cost
- No room rent capping
- New born baby is covered from 16 day
- All day care procedure covered
- Assisted Reproduction treatment covered
- Get extra sum Assured
- Donor Expenses are covered
People lower than age 61 can buy the plan without any co payment. The plan also cover assisted reproduction treatment and new born baby cover.
Star Health Comprehensive Plan Benefits
Star health’s all-inclusive plan is appropriate for both individuals and families.
The benefits of Star health Comprehensive Plan
- No medical check up required to buy the plan.
- This plan cover delivery charges. Even C section is covered.
- New born baby treatment is also covered.
- OPD is also covered except Ophthalmic and dental treatment.
- 100% Restore for related disease.
- Wellness program is provided.
- 50% No claim bonus is given
