Star vs Apollo Munich Health Insurance

Today, uncertainties and unforeseen situations make it necessary for all of us to buy a good and comprehensive health insurance plan for ourselves and our family. So are you searching for a health ins plan in the market? This article comprises of a comparison of some vital features and benefits offered by Star Health Mediclaim Policy and Apollo Health Ins Plans.

Choices Everywhere! How Do You Choose Your Health Ins Plan?

The world is full of choices when we talk about health ins plans. Competition within the products enables buyers to choose the best product depending on their needs. All of these products provide various benefits and coverage options. Even then, why is it necessary for you to compare health ins plans?

Price, inclusions, coverage, benefits, etc. are vital aspects while choosing the best health ins plan. Along with the features, your requirement is also significant while making a choice. When you match your needs, go through the product reviews and gather the necessary information, you should be able to choose the plan to be purchased.

Which Options Do You Have For Health Ins Plans?

As mentioned earlier, there are many. But some of the most popular ones are,

✓      Star Health Mediclaim Policy

✓      Apollo Health Ins Plans

✓      Max Bupa

✓      Religare Health Insurance

✓      Cigna TTK Prohealth Protect Plan

✓      Oriental Happy Family Floated Health Plan

✓      Star Health Mediclassic Insurance Policy and many more.

Remember, each one of the above plans in the market offers a USP. It could be low premium, low claim processing time, etc. One should not be confused with the options or the USP. Instead, if required, make an apple to apple comparison and then take a wise decision.

Comparison of Star Health Mediclaim Policy vs Apollo Munich Health Ins Plans

Now, we will be comparing the comprehensive health ins plan offered by Star Health Mediclaim policy and, Easy Health and Optima Restore plan offered by Apollo Health Ins Plans.

Benefits of the Plan	Insurance Provider
	Star Health Mediclaim Policy	Apollo Health Ins Plans
	Comprehensive Health Insurance	Easy Health	Optima Restore
Policy Term	1 Year	1 Year/ 2 Years	1 Year/ 2 Years
Sum Insured Option	2 Lakhs INR to 25 Lakhs INR	2 Lakhs INR to 10 Lakhs INR	2 Lakhs INR to 25 Lakhs INR
Eligibility Criteria	Three months to 65 Years	Three Months to 60 Years	Three Months to 60 Years
In-Patient Treatment	Covered up to the sum insured	Covered up to the sum insured	Covered up to the sum insured
Renewal Coverage	Whole life renewal	Whole life renewal	Whole life renewal
Pre Hospitalization	30 Days	30 Days (60 Days, provided, the insured person intimates 5 days in advance before getting hospitalized)	60 Days
Post Hospitalization	60 Days	60 Days (90 Days, provided, the insured person intimates 5 days in advance before getting hospitalized)	180 Days
Home Care	Covered	Covered up to the sum insured	Covered up to the sum insured
Emergency Ambulance Service	5 lakhs sum insured –2000 INR 7.5 lakhs sum insured –3000 INR 10 lakhs sum insured –3500 INR 15 lakhs sum insured –4000 INR 20 lakhs sum insured –4500 INR 25 lakhs sum insured –5000 INR	Up to 2000 INR per hospitalization	Up to 2000 INR per hospitalization
Organ Donor Cost	Not covered	Covered up to the sum insured	Covered up to the sum insured
Dental Treatment	Not covered	Covered	Not covered
Day Care Procedures	Coverage for 101-day care procedures	Coverage for 140-day care procedures	Coverage for 140-day care procedures
Ayush Benefit	Not covered	Covered	Not covered
Benefits of Maternity	Delivery charges are covered after 3 years	Covered after 6 years	Not covered
Daily Cash For Accompanying the Insured Person	5 lakhs sum insured: 500 INR 7.5 lakhs sum insured: 750 INR 10 lakhs sum insured: 750 INR 15 lakhs sum insured: 1000 INR 20 lakhs sum insured: 1000 INR 25 lakhs sum insured: 1500 INR	For an insured child Easy Health Exclusive 3,4,5 lakhs sum insured : 300 INR per day, maximum 9000 INR 7.50 lakhs sum insured : 500 INR per day, maximum 15000 INR Easy Health Premium 4,5 lakhs sum insured : 300 INR per day, maximum 9000 INR 7.50 lakhs sum insured : 500 INR per day, maximum 15000 INR	Not covered
Health Check-Up	Covered after three years	Covered after four years	Not covered
Vaccination (In case of post-bite treatment)	Not covered	Not covered	Not covered
Daily Allowance – Hospital	Per day 1500 INR up to 7 days	Not covered	Not covered
Coverage for pre-existing diseases	Coverage rendered after a continuous renewal for 4 years	Coverage rendered after a continuous renewal for 3 years	Coverage rendered after a continuous renewal for 3 years
General waiting time	30 days	30 days	30 days
Restore Benefit	100% - after exhaustion of the sum insured	-	Yes
Cumulative Bonus	NA	10% cumulative bonus for each claim free year accumulating up to 50%	50%
Sub-limits – inpatient treatment	Covered up to sum insured	Covered up to sum insured	Covered up to sum insured
Co-Pay	10% of each claim made by insured people who are above the age of 60 at the entry level	No copay	No copay
Claims Loading	Yes	Applicable	Applicable
Tax Benefit Limit	15000 INR For senior citizens (above 60 years of age) – 20000 INR	15000 INR For senior citizens (above 60 years of age) – 20000 INR	15000 INR For senior citizens (above 60 years of age) – 20000 INR
Newborn Baby Cover	5 lakhs sum insured: 50,000 INR 7.5 lakhs sum insured: 1,00,000 INR 10 lakhs sum insured: 1,00,000 INR 15 lakhs sum insured: 1,00,000 INR 20 lakhs sum insured: 1,00,000 INR 25 lakhs sum insured: 1,00,000 INR	Newborn baby from the age of 1-90 days.	-

Are Health Insurance Reviews As Well Important?

Yes, checking reviews also are necessary. Reviews help you with an understanding of the way the product is faring in the market. Besides, customer comments also help you in knowing remarks, bouquets, and brickbats associated with the health ins plan that you wish to buy.

Apollo Health Ins Plans Reviews

Apollo Munich offers a wide range of health ins plans. Overall, a couple of plans such as Apollo Munich Easy Health std Plan and Apollo Munich Easy Health Excl Plan have rated 5 stars. Apollo Munich Easy Health Prem. Plan, on the other hand, has rated 3 stars.

Given the fact that there are many other choices in the market, to know about other health ins plans when compared with Star Health Mediclaim Policy and Apollo Health Ins Plans, try comparing max Bupa vs Star Health vs Apollo Munich. Along with this, you may also compare Apollo Munich vs Religare Health Insurance and Star Health vs National Insurance.

I have compared most of the inclusions of Star Health Mediclaim Policy, and Apollo Health Insurance Plans by the above chart. But, for any questions or technical understanding of any term, it is better to visit health insurance expert and have the doubts clarified. Consulting a health insurance expert will also help make you a decision on opting for the most appropriate health ins plan suiting your needs.

For more updates and News visit Policybazaar Linkedin Profile