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Care Insurance Care vs Star Health Family Health Optima
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Care Insurance Care with similar Health Insurances
Star Health Family Health Optima with similar Health Insurances
Compare Care Insurance Care and Star Health Family Health Optima
Claims Track Record:
Care Insurance Care
Care Health Insurance Company has a claim settlement ratio of 85.64% and a claims incurred ratio of 56.19%. It has settled 99.99% of claims within 30 days. Furthermore, it has a high complaint rate related to claims, as compared to other insurers.
Star Health Family Health Optima
Star Health and Allied Insurance Company Limited has a claim settlement ratio of 61.98% and claims incurred ratio of 65.41%. It has settled 95.22% of claims in less than 30 days. The company has received higher complaints related to claims as compared to other insurers.
Service Experience:
Care Insurance Care
Care Health Insurance Company provides customer support through its toll-free helpline and Twitter channel. While the toll-free response time is quick, their Twitter response time is comparatively slower. Therefore, if you need an immediate response, using the toll-free number might be the preferable choice.
Star Health Family Health Optima
Star Health and Allied Insurance Company Limited offers customer service via its toll-free number and Twitter account. Based on our research, the Twitter response rate is slow, and the toll-free response rate is average, making it the better choice.
Product Benefits:
Care Insurance Care
The Care Insurance Care Plan offers comprehensive coverage, encompassing hospitalisation expenses, pre-hospitalisation, and post-hospitalisation costs. Pre-hospitalisation expenses are covered for up to 30 days before hospitalisation, while post-hospitalisation expenses are covered for up to 60 days after discharge, all up to the sum insured. Furthermore, the policy covers 541 day care treatments along with modern treatments, both up to the sum insured. Domiciliary treatments (except 12 illnesses) are covered up to 10% of the sum insured and organ donor expenses related to harvesting the organ are covered up to Rs 1 lakh. Consumables are also covered up to the sum insured. With the Care Insurance Care Plan, you can choose only up to a single private AC room during your hospital stay. There is no ICU rent limit or deductible limit. However, there is a 20% copayment for individuals aged 61 years and above. The policy does not impose any restrictions on common treatments or surgeries, such as cataract treatment, joint replacement surgery, etc. Under this plan, the waiting period for pre-existing diseases is 24 months if you choose an add-on, and specific diseases also have a 24-month waiting period.
Star Health Family Health Optima
As part of the Star Health Family Health Optima Plan, hospitalisation expenses as well as pre and post-hospitalisation expenses are covered. Pre-hospitalisation expenses are covered for 60 days before hospitalisation and post-hospitalisation expenses are covered for 90 days after discharge, both up to the sum insured. Additionally, the plan covers all day care treatments and domiciliary treatments (except for 15 illnesses) up to the sum insured. Harvesting expenses related to organ donations are covered up to 10% of the sum insured, with a maximum limit of Rs 1 lakh. Modern treatment coverage and consumables coverage are available up to the sum insured, if you opt for add-ons. The Star Health Family Health Optima Plan comes with a room rent limit; you can choose any room except suites and above if you go for an add-on. But, the good news is that it doesn’t levy any ICU rent limits. Certain treatments/surgeries come with a financial sub-limit, like cataract treatments, which are covered up to Rs 50,000 per eye per policy year with a maximum limit of Rs 75,000; joint replacement surgeries are covered up to the sum insured. The Star Health Family Health Optima Plan also imposes a copay of 20% if your age at the time of entry is 60 years or above. Moreover, there are no deductible options available under this plan. The plan has a waiting period of 48 months for pre-existing diseases and a waiting period of 24 months for specific diseases.