search icon
linner
yellow-star

Beshak  gradient-star  Rating - Insurance Ratings based on stuff that matters to you!

01. Claims Experience  02. Customer Service Experience  03. Product Benefits
Home arrow Health Insurance arrow Best Health Plans arrow Star Health Family Health Optima vs Bajaj Allianz Health Guard (Gold)

Compare Health Insurance

Star Health Family Health Optima vs Bajaj Allianz Health Guard (Gold)

View detail comparison

Comparisons is old school. Get personalized recommendations in a report

Whom do you want to cover?

check-white
Myself
check-white
Family
check-white
Parents

What's your Pincode?

Star Health Family Health Optima with similar Health Insurances

Star Health Family Health Optima

Manipal Cigna ProHealth (Protect)

Compare

Star Health Family Health Optima

Reliance General Health Gain (Power)

Compare

Star Health Family Health Optima

Aditya Birla Activ Health Platinum (Enhanced)

Compare

Star Health Family Health Optima

Niva Bupa ReAssure 2.0 (Titanium+)

Compare

Star Health Family Health Optima

Aditya Birla Activ Health Platinum (Premier)

Compare

Star Health Family Health Optima

ICICI Lombard Health AdvantEdge

Compare

Star Health Family Health Optima

Manipal Cigna ProHealth Prime (Protect)

Compare

Star Health Family Health Optima

Aditya Birla Activ Fit (Plus)

Compare

Star Health Family Health Optima

Bajaj Allianz Health Guard (Platinum)

Compare

Star Health Family Health Optima

Star Health Women Care

Compare

Star Health Family Health Optima

HDFC Ergo Optima Secure

Compare

Star Health Family Health Optima

Royal Sundaram Multiplier

Compare

Star Health Family Health Optima

ManipalCigna ProHealth (Plus)

Compare

Star Health Family Health Optima

Niva Bupa Aspire (Titanium+)

Compare

Star Health Family Health Optima

Reliance General Health Infinity

Compare

Star Health Family Health Optima

Bajaj Allianz My Health Care

Compare

Star Health Family Health Optima

Star Health Assure

Compare

Star Health Family Health Optima

Aditya Birla Activ Fit (Preferred)

Compare

Star Health Family Health Optima

Star Health Comprehensive

Compare

Star Health Family Health Optima

Royal Sundaram Lifeline (Supreme)

Compare

Star Health Family Health Optima

Tata AIG MediCare Premier

Compare

Star Health Family Health Optima

Manipal Cigna ProHealth Prime (Advantage)

Compare

Star Health Family Health Optima

Niva Bupa Health Companion

Compare

Star Health Family Health Optima

ManipalCigna ProHealth (Accumulate)

Compare

Star Health Family Health Optima

Aditya Birla Activ Assure Diamond

Compare

Star Health Family Health Optima

HDFC Ergo Optima Restore

Compare

Star Health Family Health Optima

Tata AIG MediCare

Compare

Star Health Family Health Optima

Care Insurance Care Supreme

Compare

Star Health Family Health Optima

Care Insurance Care

Compare

Star Health Family Health Optima

Aditya Birla Activ One (NXT)

Compare

Star Health Family Health Optima

New India Floater Mediclaim

Compare

Bajaj Allianz Health Guard (Gold) with similar Health Insurances

Bajaj Allianz Health Guard (Gold)

Manipal Cigna ProHealth (Protect)

Compare

Bajaj Allianz Health Guard (Gold)

Reliance General Health Gain (Power)

Compare

Bajaj Allianz Health Guard (Gold)

Aditya Birla Activ Health Platinum (Enhanced)

Compare

Bajaj Allianz Health Guard (Gold)

Niva Bupa ReAssure 2.0 (Titanium+)

Compare

Bajaj Allianz Health Guard (Gold)

Aditya Birla Activ Health Platinum (Premier)

Compare

Bajaj Allianz Health Guard (Gold)

ICICI Lombard Health AdvantEdge

Compare

Bajaj Allianz Health Guard (Gold)

Manipal Cigna ProHealth Prime (Protect)

Compare

Bajaj Allianz Health Guard (Gold)

Aditya Birla Activ Fit (Plus)

Compare

Bajaj Allianz Health Guard (Gold)

Bajaj Allianz Health Guard (Platinum)

Compare

Bajaj Allianz Health Guard (Gold)

Star Health Women Care

Compare

Bajaj Allianz Health Guard (Gold)

HDFC Ergo Optima Secure

Compare

Bajaj Allianz Health Guard (Gold)

Royal Sundaram Multiplier

Compare

Bajaj Allianz Health Guard (Gold)

ManipalCigna ProHealth (Plus)

Compare

Bajaj Allianz Health Guard (Gold)

Niva Bupa Aspire (Titanium+)

Compare

Bajaj Allianz Health Guard (Gold)

Reliance General Health Infinity

Compare

Bajaj Allianz Health Guard (Gold)

Bajaj Allianz My Health Care

Compare

Bajaj Allianz Health Guard (Gold)

Star Health Assure

Compare

Bajaj Allianz Health Guard (Gold)

Aditya Birla Activ Fit (Preferred)

Compare

Bajaj Allianz Health Guard (Gold)

Star Health Comprehensive

Compare

Bajaj Allianz Health Guard (Gold)

Royal Sundaram Lifeline (Supreme)

Compare

Bajaj Allianz Health Guard (Gold)

Tata AIG MediCare Premier

Compare

Bajaj Allianz Health Guard (Gold)

Manipal Cigna ProHealth Prime (Advantage)

Compare

Bajaj Allianz Health Guard (Gold)

Niva Bupa Health Companion

Compare

Bajaj Allianz Health Guard (Gold)

ManipalCigna ProHealth (Accumulate)

Compare

Bajaj Allianz Health Guard (Gold)

Aditya Birla Activ Assure Diamond

Compare

Bajaj Allianz Health Guard (Gold)

HDFC Ergo Optima Restore

Compare

Bajaj Allianz Health Guard (Gold)

Tata AIG MediCare

Compare

Bajaj Allianz Health Guard (Gold)

Care Insurance Care Supreme

Compare

Bajaj Allianz Health Guard (Gold)

Care Insurance Care

Compare

Bajaj Allianz Health Guard (Gold)

Aditya Birla Activ One (NXT)

Compare

Bajaj Allianz Health Guard (Gold)

New India Floater Mediclaim

Compare
Notes

1- The health insurance data was last updated in September 2023. All data has been sourced from product brochures, policy wordings, prospectus, public disclosures (Q1, FY 2023-2024), insurer websites, and the IRDAI website. 

2- The Claims Settlement Ratio data is taken from NL-37, insurer public disclosures (Q1, FY 2023-2024). It is calculated by dividing the number of claims settled by the sum of claims outstanding at the beginning of the year and claims reported during the year.

3- The data related to claim complaints and policy purchase complaints is taken from NL-45, insurer public disclosures (Q1, FY 2023-2024).

4- The Solvency Ratio data is taken from NL-26, insurer public disclosures (Q1, FY 2023-2024).

5- The data related to claims settled within 30 days is taken from NL-39, insurer public disclosures (Q1, FY 2023-2024).

6- The Claims Incurred Ratio data is taken from NL-4 and NL-5, insurer public disclosures (Q1, FY 2023-2024). It is calculated by dividing the Net Claims Incurred by the Net Earned Premium.

7- For now, we have considered the most comprehensive plans from leading insurance companies. We will keep updating the product pages with new plans in the coming days.

8- We have rated only those plans that can be serviced by individual advisors. This is because of our strong belief that health insurance customers need professional assistance from individual advisors before and after purchase. We do not recommend and hence do not rate direct-to-customer health insurance plans or plans where there aren't enough advisors available to service. 

9- Affordability assessment of plans: 

  • The affordability of comprehensive plans is assessed using premiums for a family of two adults (30 years old) and one child (1 year old) residing in Zone 1, opting for a cover of ₹10 Lakhs. And, the premiums are as of 30th September 2023.
  • The affordability of Care Freedom Plan is assessed using premiums for a 30-year-old male residing in Zone 1, opting for a cover of ₹5 Lakhs. And, the premium is as of 30th September 2023.
  • The affordability of Acko Platinum Health Insurance is assessed using premiums for a family of two adults (30 years old) and one child (1 year old) residing in Zone 1, opting for a cover of ₹25 Lakhs. And, the premium is as of February 2024.
  • The affordability of ICICI Lombard MaxProtect (Premium) is assessed using premiums for a family of two adults (30 years old) and one child (1 year old) residing in Zone 1, opting for a cover of ₹1 Crore. And, the premium is as of February 2024.
  • The affordability of Aditya Birla Activ One (VIP+) is assessed using premiums for a family of two adults (30 years old) and one child (1 year old) residing in Zone 1, opting for a cover of ₹50 Lakhs. And, the premium is as of March 2024.
  • The affordability of Aditya Birla Activ One (VIP) is assessed using premiums for a family of two adults (30 years old) and one child (1 year old) residing in Zone 1, opting for a cover of ₹50 Lakhs. And, the premium is as of April 2024.
  • The affordability of Care Advantage Plan is assessed using premiums for a family of two adults (30 years old) and one child (1 year old) residing in Zone 1, opting for a cover of ₹25 Lakhs. And, the premium is as of April 2024.

10- We have considered the Inflation Protection benefit under Acko’s Platinum and Standard Health Plan instead of the No Claim Bonus Benefit.

11- The product benefits section is based on a sum insured of ₹10 Lakhs and only highlights the top benefits and features of health insurance plans. 

12- Only those hidden and special conditions that apply to the benefits and features we have considered are included on the product pages. 

13- The product pages only include the most significant specific exclusions under each plan, which we've simplified for better understanding.

14- The product pages do not include any generic terms, conditions, or exclusions (those that are the same and apply to all health insurance plans).

15- If the policy wording, brochure, or prospectus states that a benefit/feature is available with a specific plan but it is not available online when generating the premium quote, we have not considered that benefit/feature to be available with the plan.

16- The response time on Twitter was calculated using a sample set of tweets from February 2023 to August 2023 (analyzed in September 2023).

17- The metrics like claim complaints, policy purchase complaints, response time on Twitter and toll-free are not related to a specific product but are related to the overall performance of the insurance company.

18- The network hospitals' data was last updated on 5th March 2024.

Read More down-arrow-black
Legal Disclaimer

Your use of the website shall be governed by the Terms and Conditions and Privacy Policy of our website.

Compare Star Health Family Health Optima and Bajaj Allianz Health Guard (Gold)

Claims Track Record:

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.

Bajaj Allianz Health Guard (Gold)

Bajaj Allianz General Insurance Company Limited has settled 99.38% of claims in less than 30 days. It has a claim settlement ratio of 72.14% and a claims incurred ratio of 81.10%. Moreover, it has received fewer complaints related to claims as compared to other insurers.

Service Experience:

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.

Bajaj Allianz Health Guard (Gold)

Bajaj Allianz General Insurance Company Limited offers customer service via a toll-free number and Twitter. They both have average response rates. If you have questions or issues, you can get in touch with the company through either of these channels.

Product Benefits:

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.

Bajaj Allianz Health Guard (Gold)

The Bajaj Allianz Health Guard (Gold) Plan covers hospitalisation expenses as well as pre and post-hospitalisation expenses. 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. The plan covers 399 daycare treatments and all modern treatments up to the sum insured. The cost of harvesting the organ from the donor is also covered up to the sum insured. In the Bajaj Allianz Health Guard (Gold) plan, you can choose any room type - there's no restriction on room rent. Furthermore, there's no limit on ICU rent and no deductible. However, the plan comes with an optional copayment of 10% or 20%. Cataract surgery is covered up to 20% of the sum insured per eye per policy year (up to a maximum of Rs 1 lakh) and joint replacement surgery is covered up to the sum insured. There's a 36-month waiting period for pre-existing conditions and a 24-month waiting period for specific diseases, out of which some conditions come with a 36-month waiting period.