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HDFC ERGO vs Star Health Insurance

When it comes to choosing a health insurance provider, there are a plethora of options available in the market. Two of the most prominent names are HDFC ERGO and Star Health Insurance. Both companies offer a range of health insurance policies to suit different needs and budgets, but how do they compete against each other?

In this article, we will compare some key features of both companies. We will also compare two of their popular plans for your better understanding.

Firstly, let us compare important key features HDFC ERGO and Star Health Insurance.

Key Important Features

Particulars

HDFC ERGO Health Insurance

Star Health Insurance

Network Hospitals

12000+

14000+

Claim Settlement Ratio

97%

99.06%

Incurred Claim Ratio

62%

63%

Branches

650+

 830+

No of Plans

6

11

Employees

10,000 +

 14,500+

HDFC ERGO vs Star Health Insurance (Individual Health Plan)

Plan features

HDFC ERGO Optima Restore Plan

Star Comprehensive Insurance Policy

In-patient Care

Covered

Covered

Auto Recharge

100% for any illness

100% for any illness

Cumulative Bonus

50% increase of SI, after every 2 claim free years, up to a maximum 100%.

50% increase of SI up to maximum of 100%.

Pre-Hospitalisation

60 days covered

60 days covered

Post- Hospitalisation

180 days covered

90 days covered

Room Rent

Single room

AC room, single room

Air Ambulance

Covered up to ₹ 5,00,000

Covered up to ₹ 5,00,000

Maternity Coverage

Not available

Available

Co-payment

NA

10% if plan purchased after 61 years of age.

Outpatient Consultation

Covered

NA

Renewability

Lifelong

Lifelong

HDFC ERGO vs Star Health Insurance (Cancer Health Plan)

Plan features

HDFC ERGO iCan Cancer Policy

Star Cancer Care Platinum Policy

In-patient Care

Covered

Covered

Pre-Hospitalisation

30 days covered

30 days covered

Post- hospitalisation

60 days covered

60 days covered

AYUSH

NA

NA

Cumulative Bonus

NA

5% increase of the Sum Insured for each claim-free year subject to a maximum of 50%.

Lumpsum Payout

In-built

Optional

Second Medical Opinion

Covered

Covered

Conclusion

Ultimately, the choice between HDFC ERGO and Star Health Insurance will depend on your individual needs and priorities. It’s important to carefully check the coverage and benefits offered by each company to make an informed decision.

While both the companies offer extensive coverage and benefits, it’s important to evaluate your personal healthcare needs and budget before making a final decision.

Also, before choosing a health insurance provider, it is imperative to know the network hospitals of the insurer around you. It is also important to check the claim settlement and incurred claim ratios, as they are strong indicators of the financial strength and reliability of the insurance company.

Author Bio

This article is written by Team InsuranceLiya.com, an independent website that writes about insurance, finance, health, and more. Our writers have a wealth of knowledge, experience, and degrees in the fields of insurance, finance, economics, and beyond.

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