Star Health Optima Vs Comprehensive

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Star Health Insurance Company has a whole range of options for its consumers. Among them, Star Health Optima & Star Comprehensive Policy are one of the famous ones. So, today in this article below, we are going to discuss or actually going to compare the star Health Optima vs Comprehensive insurance plan of the star insurance company.

However, even before knowing or comparing the star Health Optima vs Comprehensive insurance plan of the star insurance company we should at first know what are these policies are and what are their features. So, let’s get started with star health optima vs comprehensive:

Star Family Health Optima Insurance Policy

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Star Family Health Optima Insurance Policy

The star health optima insurance policy is considered one of the best health protections for both you & your beloved family. This plan provides a comprehensive cover at a low premium. It offers monetary support to you as well as your beloved family on the floater basis at the time of the policy term. This plan provides an auto-renewal benefit that permits the insured to upsurge the worth of their total sum assured.

Let’s now know more about the family health optima insurance before knowing the star health optima vs comprehensive:

Features Of Family Health Optima

  • This plan offers cover for reproductive dealings, cost of the newborn baby
  • Organ donor expenses will be sheltered under this policy
  • The plan also pay attention to the expenses associated with the daycare treatments & domiciliary hospitalization dealing
  • Provides Ambulance charges
  • Provides free health check-ups after every single claim free year

Star Family Health Optima1

Star Family Health Optima Insurance Policy Benefits:

To know the difference between star health optima vs comprehensive we need to know the benefits of Star Family Health Optima Insurance Policy. So, here we go…

Ambulance fees for the emergency conveyance to hospital or nursing home as per the specified limits

This policy gives room, nursing, and boarding costs as per its limits

Air Ambulance fees up to 10% of Basic Sum Insured (SI) during the whole policy period

This policy covers the cost of Consultants, Surgeon, Anesthetist, Specialist Fees, Medical Practitioner, Oxygen, Diagnostics, Operation Theatre, imaging modalities & Medicines as well as Drugs, Blood, Oxygen, Operation theatre, Cost of pacemaker and Diagnostic

Pre-Hospitalization costs up to 60 days earlier to the admission and Post-hospitalization’s costs acquired up to 90 days afterward the release from the hospital

Organ Donor Costs:

Cover up to 10% of the total Sum Insured (SI) but not more than INR 1 lakh

Domiciliary hospitalization Costs:

Cover for the medicinal treatment for a period beyond 3 days

Cover For New Born Baby:

Cover for newborn starts from the 16th day of birth and thus subject to a certain limit of 10% of total Sum Insured (SI) but not more than INR 50000/-

New Benefits:

Compassionate Travel Cover:

The Insurance Company will pay back for the transportation costs by air invited up to INR 5000/- for 1 family member for travel on the way to the place where the hospital is situated.

Emergency Domestic Medicinal Departure:

Company repays the costs invited towards the transportation of the policyholder from the hospital to a different one up to the limits.

Lump-sum for the Treatment in Chosen Network Hospital:

If medical emergency demand hospitalization, the Company will suggest a suitable hospital from their network for the treatment up to 1% of the Sum Insured (SI) subject to a maximum of INR 5000/- per insurance policy will be payable as a lump sum.

AYUSH treatment:

AYUSH treatment is available in this policy up to its limits

Assisted Generative Treatment:

The Insurance Company will repay medical costs acquired on Assisted Generative Treatments, where specified, for sub-fertility

The maximum responsibility of the Insurance Company for such treatments is partial to

  • INR 1 lakh for total sum insured of INR 5 lakh and
  • INR 2 lakhs for total sum insured of INR 10 lakhs and exceeding for each block of 36 months.
  • A waiting period is 36 months from the date of 1st inception of the policy.

Second Medical View:

The policyholder can get a Medicinal Second View from a Surgeon in the Insurance Company’s network of the Medical Practitioners

Automatic Refurbishment of Sum Insured (SI):

Available 3 times at the rate of 100% each time, for the duration of the insurance policy period. Each restoration will work only after the collapse of the previous one.

Further Sum Insured (SI) for Road Traffic Accident (RTA):

In case the policyholder encounters a Road Traffic Accident (RTA) resultant in the in-patient hospitalization, and thus the sum insured will be increased by the rate of 25% which is subject to a maximum of INR 500000. This profit is only payable in case the policyholder was wearing a helmet and was traveling in a bike either as a pillion rider or a rider

No Claim Bonus:

Following a no claim year, a bonus of up to 25% of the basic sum insured (SI) in the 2nd year and added 10% for the following years would be permissible.

A Quick Glance At The Star Family Health Optima Insurance Policy

Plan Type- Family & Individual

Entry Age- Minimum 18 years to a maximum of 65 years

Sum assured- Minimum 1 lakh

Co-Payment- 20%

NOTE:

The star health Optima Insurance Policy is considered one of the most seamless plans to support your family. This is a family floater policy, which offers good coverage.

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Star Health Comprehensive Policy

The Star Health Comprehensive Policy provides extensive cover options to its customers. Some perks of the health plan consist of limitless room rent as well as treatment cost cove. The Star Health Comprehensive plan can pay attention to all your hospitalization costs; that is why it is called a comprehensive plan.

Let’s now know more about the star health comprehensive insurance before knowing the star health optima vs comprehensive:

Features of the Star Health Comprehensive Policy

  • This plan offers bariatric surgery as well as covers other related complications
  • There is no upper boundary on its treatments expenses and the room rent
  • Under this plan, the policyholder can get free wellbeing check-up after completing at least 3 (three) claim-free years
  • Under the policy, even the maternity expenses get covered
  • Other covers consist of a second opinion, transportation services, dental, day care, personal accident, and daily allowances cover

Star Family Health Optima

Star Health Comprehensive Policy Benefits:

To know the difference between star health optima vs comprehensive we need to know the benefits of Star Health Comprehensive Policy. So, here we go…

Hospitalization cover keeps the policyholder for in-patient hospitalization costs for the least period of 24 hours. These costs include the Surgeon, room rent (Only Usual A/C room), Anesthetist, nursing as well as boarding fees, Medical Practitioner, Specialist fees, Consultants, Drugs and Cost of Medications.

Ambulance fees for the emergency conveyance to hospital or nursing home as per the specified parameters

Pre-Hospitalization costs up to 30 days earlier to the admission and Post-hospitalization’s costs acquired up to 60 days afterward the release from the hospital

Coverage for the domiciliary hospitalization for the period beyond three days

Out-patient session (other than ophthalmic and dental) costs up to the limits stated

Air Ambulance Benefits:

Allowable up to the rate of 10% of Sum Insured (SI) chosen, during a policy period is applicable for the sum insured of INR 7.5 lakhs and exceeding only.

Costs for Delivery:

Comprising Pre & Postnatal costs up to the limit stated. There is a waiting period of up to 36 months of nonstop cover under the policy.

Automatic cover for the Newborn (comprising of both internal & external inborn problems) till the expiry of your current policy.

Vaccination costs for the Newborn up to INR 1000/- allocated.

Ophthalmic / Dental Treatments as Out-Patient:

On one occasion in a time period of 3 years irrespective of the fact if a claim was made or not

Health Checkup Benefit:

The expenses of Health Check-up given after a time period of each 3 claim-free years

Hospital Cash Benefit:

The hospital money profit for each accomplished day of the hospitalization

Bariatric Surgery:

Costs acquired on hospitalization for the bariatric surgical process as well as its difficulties thereof are allocated to a maximum of INR 250000/- all through the insurance policy tenure

Cover under this is subject to the waiting period of at least 36 months and thus is allocated only whereas the policy is active

This maximum boundary of INR 250000/- is wide-ranging of the pre and post hospitalization costs

The claim under it is processed only on the cashless base

Accidental Death Cover:

The person selected by the Nominator during premium payment as stated in the program herein is enclosed for the Personal Accident

No Claim Bonus: 

Following a no claim year, a bonus of up to 50% of the basic sum insured (SI) would be permissible. Where there is a case the Bonus would be turned around in a similar request wherein it was given.

A Quick Glance At The Star Health Comprehensive Policy

Plan Type- Family & Individual

Entry Age- Minimum 3 months to a maximum of 65 years

Sum assured- Minimum 5 lakh to maximum 25 lakh

Co-Payment- 10%

NOTE:

Through the plan, the company not only attempted to offer comprehensive coverage to its customers but it also has attempted to provide health insurance requirements to a bigger group of persons.

Quick Comparison between Star Health Optima vs Comprehensive

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Quick Comparison between Star Health Optima vs Comprehensive

Check out the table to get a brief idea about the differences between the Star Health Optima vs Comprehensive policies. So, here you go with the star health optima vs comprehensive:

Star Family Health Optima Star Health Comprehensive Policy

 

Policy Term (Years) 1 year 1 year
Entry Age (Child) 16 Days to 25 years 16 Days to 25 years
Entry Age (Adult) 18 years to 65 years 18 years to 65 years
Renewal Period Lifelong Lifelong
Coverage type Comprehensive Comprehensive
Medical Tests Age (In case of No Pre-Policy) 51 51
ICU Rent Total Rent Total Rent
Room Rent Not Covered Total Rent
Post-hospitalization Costs Total costs for Up to 90 days Total costs for Up to 90 days
Pre-hospitalization costs Total costs for Up to 60 days Total costs for Up to 60 days
Ambulance Costs Up to INR 1500/- Up to INR 1500/-
Organ Donor Costs 10% of the Sum Insured, Subject to Max of 1 lakh 10% of the Sum Insured, Subject to Max of 1 lakh
Hospital Network (Cashless) Over 8000 hospitals across India Over 8000 hospitals across India
Grace Period 120 days 120 days
Tax Benefit Under section 80D Under section 80D
International Treatment Not Covered Not Covered

So, as you know the difference between star health optima vs comprehensive you can buy the right one as per your need. Comparison between star health optima vs comprehensive is made in this article to make it clear to you which one you must buy.

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